Last Update: 30 April 2023
Do you have in mind a 50 years retirement, investing in the US Stocks/Bonds 0/100 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 US Stocks/Bonds 0/100 Portfolio
Over the last 50 years (last update: April 2023), the portfolio has returned 6.44% annualized, with a maximum drawdown of -17.28%.
A safe withdrawal rate would have been 3.465%.
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 | 2.399 | 3.465 |
6.44 [ 2.39 ] |
-17.28 Aug 2020 - Oct 2022 |
For a complete view of the portfolio and all the possible strategies, please refer to US Stocks/Bonds 0/100 Portfolio page.
Withdrawal Rates Simulation (updated at Apr 2023)
How much would it be an acceptable withdrawal rate, for the US Stocks/Bonds 0/100 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) |
0.000 Feb 1931 |
0.226 Jun 1934 |
0.748 Jun 1934 |
1.202 Jun 1939 |
1.513 Feb 1941 |
1.717 95% Succ. |
1.791 90% Succ. |
2.368 80% Succ. |
2.815 50% Succ. |
|
Median |
1.673 |
1.955 |
2.238 |
2.518 |
2.815 | |||||
Average |
1.739 |
2.051 |
2.371 |
2.691 |
3.010 | |||||
Maximum Best Period (from) |
5.681 Mar 1873 |
6.005 Mar 1873 |
6.329 Mar 1873 |
6.653 Feb 1873 |
6.983 Feb 1873 |
Key Withdrawal Rates (%) |
Success Rate | |||||
---|---|---|---|---|---|---|
100% | 95% | 90% | 80% | 50% | ||
Preserved Capital | 100% |
0.000 |
0.199 |
0.364 |
0.927 |
1.673 |
75% |
0.226 |
0.574 |
0.713 |
1.313 |
1.955 |
|
50% |
0.748 |
0.937 |
1.077 |
1.684 |
2.238 |
|
25% |
1.202 |
1.331 |
1.492 |
2.061 |
2.518 |
|
0% |
1.513 |
1.717 |
1.791 |
2.368 |
2.815 |
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 Feb 1931 |
0.226 Jun 1934 |
0.748 Jun 1934 |
1.202 Jun 1939 |
1.513 Feb 1941 |
1.595 95% Succ. |
1.716 90% Succ. |
1.791 80% Succ. |
2.675 50% Succ. |
|
Median |
1.468 |
1.825 |
2.167 |
2.435 |
2.675 | |||||
Average |
1.356 |
1.643 |
1.944 |
2.246 |
2.547 | |||||
Maximum Best Period (from) |
2.939 Jun 1970 |
3.127 Jun 1970 |
3.316 Jun 1970 |
3.504 Jun 1970 |
3.692 Jun 1970 |
Key Withdrawal Rates (%) |
Success Rate | |||||
---|---|---|---|---|---|---|
100% | 95% | 90% | 80% | 50% | ||
Preserved Capital | 100% |
0.000 |
0.000 |
0.157 |
0.359 |
1.468 |
75% |
0.226 |
0.390 |
0.574 |
0.708 |
1.825 |
|
50% |
0.748 |
0.884 |
0.935 |
1.074 |
2.167 |
|
25% |
1.202 |
1.273 |
1.329 |
1.470 |
2.435 |
|
0% |
1.513 |
1.595 |
1.716 |
1.791 |
2.675 |
Withdrawals and Success Rate
If you had implemented a specific Withdrawal Strategy with the US Stocks/Bonds 0/100 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 % |
86.33
|
80% Succ. 2.368% |
13.67 |
86.33
|
81.94
|
57.77
|
48.49
|
39.38
|
2.50 % |
73.72
|
50% Succ. 2.815% |
26.28 |
73.72
|
51.10
|
35.96
|
26.44
|
16.60
|
3.00 % |
39.71
|
60.29 |
39.71
|
27.50
|
17.49
|
13.75
|
9.76
|
|
3.50 % |
19.53
|
80.47 |
19.53
|
14.56
|
10.98
|
8.62
|
5.86
|
|
4.00 % |
12.94
|
87.06 |
12.94
|
9.76
|
6.35
|
5.29
|
4.56
|
|
4.50 % |
7.49
|
92.51 |
7.49
|
5.94
|
4.88
|
4.23
|
3.58
|
|
5.00 % |
5.45
|
94.55 |
5.45
|
4.56
|
3.91
|
3.01
|
2.20
|
|
5.50 % |
4.23
|
95.77 |
4.23
|
3.58
|
2.52
|
1.71
|
0.41
|
|
6.00 % |
3.09
|
96.91 |
3.09
|
2.20
|
1.14
|
0.08
|
0.00
|
|
6.50 % |
1.71
|
98.29 |
1.71
|
0.41
|
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
|
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 % |
72.05
|
27.95 |
72.05
|
66.22
|
56.24
|
42.76
|
31.45
|
|
2.50 % |
60.07
|
50% Succ. 2.675% |
39.93 |
60.07
|
46.42
|
20.47
|
9.98
|
3.99
|
3.00 % |
26.46
|
73.54 |
26.46
|
10.32
|
2.83
|
1.00
|
0.00
|
|
3.50 % |
3.16
|
96.84 |
3.16
|
0.17
|
0.00
|
0.00
|
0.00
|
|
4.00 % |
0.00
|
100.00 |
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
|
4.50 % |
0.00
|
100.00 |
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
|
5.00 % |
0.00
|
100.00 |
0.00
|
0.00
|
0.00
|
0.00
|
0.00
|
|
5.50 % |
0.00
|
100.00 |
0.00
|
0.00
|
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:
US Stocks/Bonds 0/100 Portfolio
For the US Stocks/Bonds 0/100 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