60/40 with a value tilt
The same 60/40 split with the stock half moved to large and small value companies.
What it holds
| Asset | Share |
|---|---|
| US large value stocks | 30% |
| US small value stocks | 30% |
| US 10-year Treasury bonds | 40% |
How it did, 1926-07 to 2026-09
7.9%
Per year after inflation (11.1% before)
15.9%
Volatility
-53%
Worst drop, 1929 to 1932
5.08%
Safe withdrawal rate over 30 years, 5.72% over 20
Best and worst calendar years
| Best | Return |
|---|---|
| 1933 | +103.9% |
| 1943 | +48.4% |
| 1954 | +40.7% |
| 1936 | +40.3% |
| 1982 | +37.7% |
| Worst | Return |
|---|---|
| 1931 | −32.0% |
| 1937 | −27.8% |
| 1930 | −25.9% |
| 2008 | −16.3% |
| 1969 | −15.4% |
Open in the backtest tool Test a withdrawal rate
US dollars, rebalanced yearly, before tax and fund costs. Past results are not a promise about the future, and nothing here is investment advice.