Balanced 65/35 (Wellington style)
Roughly two-thirds stocks and one-third bonds, the split of Vanguard’s Wellington fund. US stocks and 10-year Treasuries stand in for its holdings.
What it holds
| Asset | Share |
|---|---|
| US stocks, whole market | 65% |
| US 10-year Treasury bonds | 35% |
How it did, 1926-07 to 2026-09
5.8%
Per year after inflation (9.0% before)
12.1%
Volatility
-52%
Worst drop, 1929 to 1932
3.81%
Safe withdrawal rate over 30 years, 4.47% over 20
Best and worst calendar years
| Best | Return |
|---|---|
| 1933 | +45.3% |
| 1995 | +32.5% |
| 1954 | +32.1% |
| 1985 | +30.6% |
| 1935 | +30.1% |
| Worst | Return |
|---|---|
| 1931 | −28.3% |
| 1937 | −22.3% |
| 2008 | −19.4% |
| 1930 | −17.7% |
| 2022 | −17.3% |
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.