Last Update: 30 April 2023
Do you have in mind a 50 years retirement, investing in the Gyroscopic Investing Desert Portfolio?
According to the historical returns and stats of the portfolio, which has been a sustainable withdrawal rate to live off your investiment?
The last 50 years of the Gyroscopic Investing Desert Portfolio
Over the last 50 years (last update: April 2023), the portfolio has returned 8.14% annualized, with a maximum drawdown of -14.7%.
A safe withdrawal rate would have been 4.277%.
Timeframes ending at Apr 2023 |
Withdrawal Rate (%) |
Investment Performances |
||||
---|---|---|---|---|---|---|
Timeframe | Period from | Period to | Perpetual | Safe | Ann.Return(%) [ Infl.Adj. ] |
Max Drawdown(%) |
50 Years |
1 May 1973 |
30 Apr 2023 | 3.683 | 4.277 |
8.14 [ 4.03 ] |
-14.70 Jan 2022 - Sep 2022 |
For a complete view of the portfolio and all the possible strategies, please refer to Gyroscopic Investing Desert Portfolio page.
Withdrawal Rates Simulation (updated at Apr 2023)
How much would it be an acceptable withdrawal rate, for the Gyroscopic Investing Desert Portfolio?
Analyzing the available data source, all the 50-years timeframes have been considered to calculate the withdrawal rates and their success percentage.
PWR (%) - Perpetual Withdrawal Rate
|
SWR (%) - Safe Withdrawal Rate
|
|||||||||
---|---|---|---|---|---|---|---|---|---|---|
Preserved Capital | 100% | 75% | 50% | 25% | 0% | 0% | 0% | 0% | 0% | |
Success Rate | 100% | 100% | 100% | 100% | 100% | 95% | 90% | 80% | 50% | |
Minimum Worst Period (from) |
1.910 Feb 1899 |
2.152 Feb 1899 |
2.353 Feb 1937 |
2.544 Feb 1937 |
2.736 Feb 1937 |
2.951 95% Succ. |
3.068 90% Succ. |
3.268 80% Succ. |
3.837 50% Succ. |
|
Median |
3.215 |
3.376 |
3.541 |
3.697 |
3.837 | |||||
Average |
3.293 |
3.485 |
3.677 |
3.869 |
4.061 | |||||
Maximum Best Period (from) |
6.313 Jun 1920 |
6.557 Jun 1920 |
6.800 Jun 1920 |
7.043 Jun 1920 |
7.286 Jun 1920 |
Key Withdrawal Rates (%) |
Success Rate | |||||
---|---|---|---|---|---|---|
100% | 95% | 90% | 80% | 50% | ||
Preserved Capital | 100% |
1.910 |
2.124 |
2.245 |
2.448 |
3.215 |
75% |
2.152 |
2.339 |
2.449 |
2.650 |
3.376 |
|
50% |
2.353 |
2.545 |
2.666 |
2.851 |
3.541 |
|
25% |
2.544 |
2.749 |
2.864 |
3.060 |
3.697 |
|
0% |
2.736 |
2.951 |
3.068 |
3.268 |
3.837 |
PWR (%) - Perpetual Withdrawal Rate
|
SWR (%) - Safe Withdrawal Rate
|
|||||||||
---|---|---|---|---|---|---|---|---|---|---|
Preserved Capital | 100% | 75% | 50% | 25% | 0% | 0% | 0% | 0% | 0% | |
Success Rate | 100% | 100% | 100% | 100% | 100% | 95% | 90% | 80% | 50% | |
Minimum Worst Period (from) |
1.966 Dec 1936 |
2.162 Feb 1937 |
2.353 Feb 1937 |
2.544 Feb 1937 |
2.736 Feb 1937 |
2.897 95% Succ. |
3.004 90% Succ. |
3.329 80% Succ. |
3.914 50% Succ. |
|
Median |
3.278 |
3.430 |
3.580 |
3.757 |
3.914 | |||||
Average |
3.190 |
3.368 |
3.546 |
3.724 |
3.903 | |||||
Maximum Best Period (from) |
4.889 Nov 1923 |
5.109 Nov 1923 |
5.329 Nov 1923 |
5.550 Nov 1923 |
5.770 Nov 1923 |
Key Withdrawal Rates (%) |
Success Rate | |||||
---|---|---|---|---|---|---|
100% | 95% | 90% | 80% | 50% | ||
Preserved Capital | 100% |
1.966 |
2.103 |
2.191 |
2.554 |
3.278 |
75% |
2.162 |
2.299 |
2.423 |
2.716 |
3.430 |
|
50% |
2.353 |
2.492 |
2.637 |
2.937 |
3.580 |
|
25% |
2.544 |
2.695 |
2.825 |
3.124 |
3.757 |
|
0% |
2.736 |
2.897 |
3.004 |
3.329 |
3.914 |
Withdrawals and Success Rate
If you had implemented a specific Withdrawal Strategy with the Gyroscopic Investing Desert Portfolio, over 50 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 50-year timeframes available in the data source. To focus on a specific withdrawal rate, click on the links in the table.
Withdrawal Rate |
50 Years
|
% Fail
|
% Success over 50 Years - on % Preserved Capital
|
|||||
---|---|---|---|---|---|---|---|---|
% Success | Percentile | No Capital Preserved |
0% Preserved |
25% Preserved |
50% Preserved |
75% Preserved |
100% Preserved |
|
2.00 % |
100.00
|
0.00 |
100.00
|
100.00
|
100.00
|
100.00
|
98.62
|
|
2.50 % |
100.00
|
100% Succ. 2.736% |
0.00 |
100.00
|
100.00
|
96.18
|
88.45
|
77.30
|
3.00 % |
92.92
|
90% Succ. 3.068% |
7.08 |
92.92
|
83.73
|
70.79
|
64.04
|
59.89
|
3.50 % |
65.74
|
50% Succ. 3.837% |
34.26 |
65.74
|
61.84
|
52.24
|
41.82
|
33.85
|
4.00 % |
41.17
|
58.83 |
41.17
|
33.69
|
26.20
|
22.21
|
17.33
|
|
4.50 % |
23.43
|
76.57 |
23.43
|
19.69
|
16.03
|
13.59
|
11.96
|
|
5.00 % |
15.62
|
84.38 |
15.62
|
13.51
|
11.15
|
8.62
|
6.59
|
|
5.50 % |
10.25
|
89.75 |
10.25
|
8.38
|
6.67
|
5.21
|
3.66
|
|
6.00 % |
6.67
|
93.33 |
6.67
|
5.21
|
3.82
|
1.95
|
0.57
|
|
6.50 % |
3.82
|
96.18 |
3.82
|
2.12
|
0.65
|
0.16
|
0.00
|
|
7.00 % |
0.65
|
99.35 |
0.65
|
0.16
|
0.00
|
0.00
|
0.00
|
|
7.50 % |
0.00
|
100.00 |
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
|
8.00 % |
0.00
|
100.00 |
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Withdrawal Rate |
50 Years
|
% Fail
|
% Success over 50 Years - on % Preserved Capital
|
|||||
---|---|---|---|---|---|---|---|---|
% Success | Percentile | No Capital Preserved |
0% Preserved |
25% Preserved |
50% Preserved |
75% Preserved |
100% Preserved |
|
2.00 % |
100.00
|
0.00 |
100.00
|
100.00
|
100.00
|
100.00
|
99.17
|
|
2.50 % |
100.00
|
100% Succ. 2.736% |
0.00 |
100.00
|
100.00
|
94.51
|
87.69
|
80.53
|
3.00 % |
90.02
|
90% Succ. 3.004% |
9.98 |
90.02
|
83.86
|
77.37
|
73.88
|
68.72
|
3.50 % |
74.38
|
50% Succ. 3.914% |
25.62 |
74.38
|
72.21
|
59.57
|
43.76
|
30.28
|
4.00 % |
42.10
|
57.90 |
42.10
|
28.45
|
16.14
|
12.31
|
8.99
|
|
4.50 % |
12.98
|
87.02 |
12.98
|
9.98
|
7.82
|
3.99
|
2.50
|
|
5.00 % |
7.32
|
92.68 |
7.32
|
3.99
|
2.16
|
0.67
|
0.00
|
|
5.50 % |
2.00
|
98.00 |
2.00
|
0.33
|
0.00
|
0.00
|
0.00
|
|
6.00 % |
0.00
|
100.00 |
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
|
6.50 % |
0.00
|
100.00 |
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
|
7.00 % |
0.00
|
100.00 |
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
|
7.50 % |
0.00
|
100.00 |
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
|
8.00 % |
0.00
|
100.00 |
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
Related Pages
Portfolio Main Page:
Gyroscopic Investing Desert Portfolio
For the Gyroscopic Investing Desert Portfolio, we have prepared a report for each available timeframe:
20-Year
30-Year
40-Year
50-Year
60-Year
70-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