Last Update: 30 April 2023
Do you have in mind a 30 years retirement, investing in the Short Term Treasury 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 30 years of the Short Term Treasury Portfolio
Over the last 30 years (last update: April 2023), the portfolio has returned 3.03% annualized, with a maximum drawdown of -5.36%.
A safe withdrawal rate would have been 4.286%.
Timeframes ending at Apr 2023 |
Withdrawal Rate (%) |
Investment Performances |
||||
---|---|---|---|---|---|---|
Timeframe | Period from | Period to | Perpetual | Safe | Ann.Return(%) [ Infl.Adj. ] |
Max Drawdown(%) |
30 Years |
1 May 1993 |
30 Apr 2023 | 0.595 | 4.286 |
3.03 [ 0.50 ] |
-5.36 Jun 2021 - Oct 2022 |
For a complete view of the portfolio and all the possible strategies, please refer to Short Term Treasury Portfolio page.
Withdrawal Rates Simulation (updated at Apr 2023)
How much would it be an acceptable withdrawal rate, for the Short Term Treasury Portfolio?
Analyzing the available data source, all the 30-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) |
0.000 Dec 1930 |
0.000 Mar 1933 |
0.804 Jun 1933 |
1.573 Jun 1939 |
2.339 Jun 1939 |
2.560 95% Succ. |
2.815 90% Succ. |
3.753 80% Succ. |
4.170 50% Succ. |
|
Median |
1.902 |
2.469 |
3.035 |
3.617 |
4.170 | |||||
Average |
2.144 |
2.731 |
3.378 |
4.025 |
4.672 | |||||
Maximum Best Period (from) |
8.586 Apr 1872 |
8.934 Apr 1872 |
9.313 Feb 1873 |
9.715 Feb 1873 |
10.117 Feb 1873 |
Key Withdrawal Rates (%) |
Success Rate | |||||
---|---|---|---|---|---|---|
100% | 95% | 90% | 80% | 50% | ||
Preserved Capital | 100% |
0.000 |
0.000 |
0.000 |
0.631 |
1.902 |
75% |
0.000 |
0.180 |
0.541 |
1.491 |
2.469 |
|
50% |
0.804 |
0.960 |
1.325 |
2.322 |
3.035 |
|
25% |
1.573 |
1.752 |
2.065 |
3.072 |
3.617 |
|
0% |
2.339 |
2.560 |
2.815 |
3.753 |
4.170 |
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) |
0.000 Dec 1930 |
0.000 Mar 1933 |
0.804 Jun 1933 |
1.573 Jun 1939 |
2.339 Jun 1939 |
2.504 95% Succ. |
2.568 90% Succ. |
2.915 80% Succ. |
4.029 50% Succ. |
|
Median |
1.633 |
2.228 |
2.890 |
3.455 |
4.029 | |||||
Average |
1.507 |
2.085 |
2.767 |
3.448 |
4.130 | |||||
Maximum Best Period (from) |
5.023 Sep 1981 |
5.582 Sep 1981 |
6.140 Sep 1981 |
6.699 Sep 1981 |
7.258 Sep 1981 |
Key Withdrawal Rates (%) |
Success Rate | |||||
---|---|---|---|---|---|---|
100% | 95% | 90% | 80% | 50% | ||
Preserved Capital | 100% |
0.000 |
0.000 |
0.000 |
0.000 |
1.633 |
75% |
0.000 |
0.102 |
0.213 |
0.655 |
2.228 |
|
50% |
0.804 |
0.907 |
0.984 |
1.392 |
2.890 |
|
25% |
1.573 |
1.702 |
1.769 |
2.144 |
3.455 |
|
0% |
2.339 |
2.504 |
2.568 |
2.915 |
4.029 |
Withdrawals and Success Rate
If you had implemented a specific Withdrawal Strategy with the Short Term Treasury Portfolio, over 30 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 30-year timeframes available in the data source. To focus on a specific withdrawal rate, click on the links in the table.
Withdrawal Rate |
30 Years
|
% Fail
|
% Success over 30 Years - on % Preserved Capital
|
|||||
---|---|---|---|---|---|---|---|---|
% Success | Percentile | No Capital Preserved |
0% Preserved |
25% Preserved |
50% Preserved |
75% Preserved |
100% Preserved |
|
2.00 % |
100.00
|
100% Succ. 2.339% |
0.00 |
100.00
|
91.83
|
84.75
|
66.58
|
44.59
|
2.50 % |
97.14
|
95% Succ. 2.560% |
2.86 |
97.14
|
87.34
|
74.47
|
48.06
|
27.84
|
3.00 % |
88.43
|
11.57 |
88.43
|
81.62
|
51.87
|
28.32
|
23.08
|
|
3.50 % |
86.18
|
80% Succ. 3.753% |
13.82 |
86.18
|
55.62
|
32.20
|
23.49
|
17.09
|
4.00 % |
60.25
|
50% Succ. 4.170% |
39.75 |
60.25
|
37.03
|
24.85
|
18.45
|
14.30
|
4.50 % |
42.00
|
58.00 |
42.00
|
26.48
|
19.74
|
14.43
|
11.37
|
|
5.00 % |
32.13
|
67.87 |
32.13
|
21.38
|
14.70
|
11.44
|
8.51
|
|
5.50 % |
23.21
|
76.79 |
23.21
|
15.11
|
11.78
|
8.44
|
6.47
|
|
6.00 % |
16.34
|
83.66 |
16.34
|
12.19
|
8.37
|
6.19
|
4.49
|
|
6.50 % |
12.53
|
87.47 |
12.53
|
8.17
|
6.26
|
4.42
|
3.74
|
|
7.00 % |
8.58
|
91.42 |
8.58
|
6.19
|
4.15
|
3.47
|
3.13
|
|
7.50 % |
6.13
|
93.87 |
6.13
|
4.02
|
3.40
|
2.79
|
2.18
|
|
8.00 % |
3.88
|
96.12 |
3.88
|
3.20
|
2.52
|
1.97
|
1.09
|
Withdrawal Rate |
30 Years
|
% Fail
|
% Success over 30 Years - on % Preserved Capital
|
|||||
---|---|---|---|---|---|---|---|---|
% Success | Percentile | No Capital Preserved |
0% Preserved |
25% Preserved |
50% Preserved |
75% Preserved |
100% Preserved |
|
2.00 % |
100.00
|
100% Succ. 2.339% |
0.00 |
100.00
|
85.73
|
73.37
|
53.98
|
36.39
|
2.50 % |
95.01
|
95% Succ. 2.504% |
4.99 |
95.01
|
77.88
|
62.66
|
38.29
|
20.10
|
3.00 % |
79.79
|
20.21 |
79.79
|
70.27
|
39.36
|
19.74
|
14.51
|
|
3.50 % |
76.10
|
23.90 |
76.10
|
45.07
|
23.42
|
14.27
|
7.37
|
|
4.00 % |
51.96
|
50% Succ. 4.029% |
48.04 |
51.96
|
26.28
|
14.74
|
8.68
|
4.40
|
4.50 % |
32.22
|
67.78 |
32.22
|
14.98
|
9.04
|
4.52
|
2.14
|
|
5.00 % |
19.38
|
80.62 |
19.38
|
9.39
|
4.52
|
2.38
|
0.12
|
|
5.50 % |
9.87
|
90.13 |
9.87
|
4.52
|
2.73
|
0.24
|
0.00
|
|
6.00 % |
5.71
|
94.29 |
5.71
|
2.97
|
0.36
|
0.00
|
0.00
|
|
6.50 % |
3.09
|
96.91 |
3.09
|
0.36
|
0.00
|
0.00
|
0.00
|
|
7.00 % |
0.59
|
99.41 |
0.59
|
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:
Short Term Treasury Portfolio
For the Short Term Treasury 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