US Small Cap Value: 10-year retirement

Last Update: 30 June 2024

Do you have in mind a 10 years retirement, investing in the US Small Cap Value asset class?

According to the historical returns and stats of the asset class, which has been a sustainable withdrawal rate to live off your investiment?

Worst case scenario so far, over a 10-year time horizon, you could have withdrawn 4.917% of your initial capital each year, kept withdrawing all the time (adjusting for inflation), and you wouldn't have run out of money before 10 years.

Considering the last 10 years (last update: June 2024), a safe withdrawal rate would have been 12.567%.

The last 10 years of the US Small Cap Value asset class

Over the last 10 years (last update: June 2024), the asset class has returned 6.99% annualized, with a maximum drawdown of -40.32%.

The Withdrawal Rates calculated here are annualized and refer to the initial capital (not the current!). The first month withdrawal is 1/12 of that annualized withdrawal and it's adjusted for inflation for each subsequent month.

A Perpetual Withdrawal Rate (PWR) protected the original inflation adjusted capital.

A Safe Withdrawal Rate (SWR) didn't protect the original capital, but the investment didn't run out of money during retirement. The capital went to zero exaclty at the end of the retirement period.

Learn more about Withdrawal Rate simulation
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Timeframes ending at Jun 2024
Withdrawal Rate (%)
Investment Performances
Timeframe Period from Period to Perpetual Safe Ann.Return(%)
[ Infl.Adj. ]
Max
Drawdown(%)
10 Years 1 Jul 2014
30 Jun 2024 4.139 12.567 6.99
[ 4.08 ]
-40.32
Sep 2018 - Mar 2020
Simulations are calculated with actual returns of US Small Cap Value Asset Class | Preserved capital and withdrawals are considered adjusted for inflation | Withdrawals happen monthly | Performances are calculated in USD dollars, considering reinvestment of dividends when applicable | Inflation is updated at June 2024

For a complete view of the asset class and all the possible strategies, please refer to US Small Cap Value page.

Withdrawal Rates Simulation (updated at Jun 2024)

How much would it be an acceptable withdrawal rate, for the US Small Cap Value asset class?

Analyzing the available data source, all the 10-years timeframes have been considered to calculate the withdrawal rates and their success percentage.

Legend:
SWR 100% Success
PWR 100% Capital Protection
Period: Jan 1871 - Jun 2024
Period: Jul 1924 - Jun 2024
Period: Jul 1974 - Jun 2024
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WR (%) - Withdrawal Rate, on % Preserved Capital (Infl.Adj)
100%
Preserved
75%
Preserved
50%
Preserved
25%
Preserved
0%
Preserved
Success 100%
Worst Period (From)
0.000
Jun 1908
0.000
Jun 1910
1.421
Jul 1911
3.170
Sep 1929
4.917
Sep 1929
95%
0.393
2.365
4.554
6.789
8.611
90%
2.109
4.183
6.147
8.062
9.902
80%
4.096
5.952
7.892
9.664
11.373
50%
Median WR
8.270
9.895
11.472
13.038
14.710
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WR (%) - Withdrawal Rate, on % Preserved Capital (Infl.Adj)
100%
Preserved
75%
Preserved
50%
Preserved
25%
Preserved
0%
Preserved
Success 100%
Worst Period (From)
0.000
Apr 1928
0.000
Sep 1929
1.423
Sep 1929
3.170
Sep 1929
4.917
Sep 1929
95%
1.992
3.912
5.523
7.110
8.640
90%
3.589
5.462
7.143
8.812
10.073
80%
5.030
6.810
8.471
10.195
11.973
50%
Median WR
9.939
11.332
12.866
14.267
15.732
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WR (%) - Withdrawal Rate, on % Preserved Capital (Infl.Adj)
100%
Preserved
75%
Preserved
50%
Preserved
25%
Preserved
0%
Preserved
Success 100%
Worst Period (From)
1.602
Mar 1999
4.858
Feb 2006
6.617
Jun 2007
8.051
Jun 2007
9.485
Jun 2007
95%
4.017
5.832
7.658
9.242
10.841
90%
4.495
6.246
8.272
10.131
11.938
80%
5.754
7.520
9.310
11.285
13.003
50%
Median WR
10.211
11.663
13.085
14.625
16.208
Simulations are calculated with actual returns of US Small Cap Value Asset Class | Preserved capital and withdrawals are considered adjusted for inflation | Withdrawals happen monthly | Performances are calculated in USD dollars, considering reinvestment of dividends when applicable | Inflation is updated at June 2024

Withdrawals and Success Rate

If you had implemented a specific Withdrawal Strategy with the US Small Cap Value asset class, over 10 years, which would have been the success rate so far?

Simulations follow the same rules mentioned before. Withdrawals are expressed as yearly rates and refer to the initial capital. After that, withdrawal amount is monthly adjusted for inflation.

Success rates are calculated over all 10-year timeframes available in the data source. To focus on a specific withdrawal rate, click on the links in the table.

Period: Jan 1871 - Jun 2024
Period: Jul 1924 - Jun 2024
Period: Jul 1974 - Jun 2024
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Withdrawal
Rate
% Success over 10 Years
% Fail
% Success over 10 Years - on % Preserved Capital (Infl.Adj)
At least 0%
Capital Preserved
Percentile No Capital
Preserved
25%
Preserved
50%
Preserved
75%
Preserved
100%
Preserved
2.00 %
100.00
0.00
100.00
99.83
96.11
90.60
2.50 %
100.00
0.00
100.00
99.07
94.78
88.57
3.00 %
100.00
0.00
100.00
98.61
93.56
87.00
3.50 %
100.00
0.00
99.94
97.91
92.69
84.10
4.00 %
100.00
0.00
99.77
96.75
91.06
80.73
4.50 %
100.00
100% Succ.
4.917%
0.00
99.54
95.07
88.45
76.96
5.00 %
99.94
0.06
99.07
93.73
86.77
73.53
5.50 %
99.83
0.17
98.37
92.46
83.69
70.40
6.00 %
99.54
0.46
97.50
90.89
79.74
65.76
6.50 %
99.30
0.70
96.05
88.74
75.86
61.58
7.00 %
99.07
0.93
93.79
86.13
72.32
57.86
7.50 %
98.61
1.39
91.76
83.17
68.02
54.67
8.00 %
97.50
2.50
90.19
79.11
63.26
52.23
Legend: Min% of Protected Capital
Min 0%
Min 25%
Min 50%
Min 75%
Min 100%
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Withdrawal
Rate
% Success over 10 Years
% Fail
% Success over 10 Years - on % Preserved Capital (Infl.Adj)
At least 0%
Capital Preserved
Percentile No Capital
Preserved
25%
Preserved
50%
Preserved
75%
Preserved
100%
Preserved
2.00 %
100.00
0.00
100.00
99.91
98.33
94.91
2.50 %
100.00
0.00
100.00
99.44
97.22
93.06
3.00 %
100.00
0.00
100.00
98.98
96.48
92.04
3.50 %
100.00
0.00
99.91
98.43
95.93
90.47
4.00 %
100.00
0.00
99.63
97.87
94.73
87.60
4.50 %
100.00
100% Succ.
4.917%
0.00
99.26
96.58
93.15
83.81
5.00 %
99.91
0.09
98.70
96.11
92.23
80.20
5.50 %
99.72
0.28
98.06
95.19
89.82
76.78
6.00 %
99.26
0.74
97.22
94.26
85.94
73.17
6.50 %
98.89
1.11
96.30
93.06
82.05
70.03
7.00 %
98.52
1.48
95.10
90.84
78.54
66.98
7.50 %
97.78
2.22
94.36
88.34
74.10
64.75
8.00 %
96.11
3.89
93.06
84.64
70.03
62.72
Legend: Min% of Protected Capital
Min 0%
Min 25%
Min 50%
Min 75%
Min 100%
Swipe left to see all data
Withdrawal
Rate
% Success over 10 Years
% Fail
% Success over 10 Years - on % Preserved Capital (Infl.Adj)
At least 0%
Capital Preserved
Percentile No Capital
Preserved
25%
Preserved
50%
Preserved
75%
Preserved
100%
Preserved
2.00 %
100.00
0.00
100.00
100.00
100.00
99.79
2.50 %
100.00
0.00
100.00
100.00
100.00
99.38
3.00 %
100.00
0.00
100.00
100.00
100.00
98.96
3.50 %
100.00
0.00
100.00
100.00
100.00
97.71
4.00 %
100.00
0.00
100.00
100.00
100.00
95.22
4.50 %
100.00
0.00
100.00
100.00
100.00
89.81
5.00 %
100.00
0.00
100.00
100.00
99.38
84.82
5.50 %
100.00
0.00
100.00
100.00
97.71
81.08
6.00 %
100.00
0.00
100.00
100.00
93.56
78.38
6.50 %
100.00
0.00
100.00
100.00
87.94
74.64
7.00 %
100.00
0.00
100.00
98.34
84.62
72.77
7.50 %
100.00
0.00
100.00
95.84
80.46
70.89
8.00 %
100.00
0.00
100.00
92.52
77.13
68.40
Legend: Min% of Protected Capital
Min 0%
Min 25%
Min 50%
Min 75%
Min 100%
Simulations are calculated with actual returns of US Small Cap Value Asset Class | Preserved capital and withdrawals are considered adjusted for inflation | Withdrawals happen monthly | Performances are calculated in USD dollars, considering reinvestment of dividends when applicable | Inflation is updated at June 2024

Related Pages

Asset Class Main Page:
US Small Cap Value Asset Class

For the US Small Cap Value Asset Class, we have prepared a report for each available timeframe:
10-Year    20-Year    30-Year    40-Year    50-Year    60-Year    70-Year    80-Year   

if you want to learn more about the statistics of a specific withdrawal rate, we suggest these in particular:
2%    2.5%    3%    3.5%    4%    4.5%    5%   

Website Homepage:
BestRetirementPortfolio.com