US Stocks/Bonds 30/70 Portfolio: 60-year retirement

Last Update: 28 February 2023

Do you have in mind a 60 years retirement, investing in the US Stocks/Bonds 30/70 Portfolio?

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

Key Points

Worst case scenario so far, over a 60-year time horizon, you could have withdrawn 2.589% of your initial capital each year, kept withdrawing all the time (adjusting for inflation), and you wouldn't have run out of money before 60 years.

With a 4% withdrawal strategy, you would have lived on your investiment for 60 years in the 30.53% of cases. In the 23.49% of cases, you would have preserved your initial inflation adjusted capital.

The last 60 years of the US Stocks/Bonds 30/70 Portfolio

Over the last 60 years (last update: February 2023), the portfolio has returned 7.5% annualized, with a maximum drawdown of -17.56%.

A safe withdrawal rate would have been 3.386%.

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 portfolio didn't run out of money during retirement. The portfolio went to zero exaclty at the end of the retirement period.

Learn more about Withdrawal Rate simulation
Swipe left to see all data
Timeframes ending at Feb 2023
Withdrawal Rate (%)
Investment Performances
Timeframe Period from Period to Perpetual Safe Ann.Return(%)
[ Infl.Adj. ]		 Max
Drawdown(%)
60 Years 1 Mar 1963
 28 Feb 2023 2.952 3.386 7.50
[ 3.48 ] 		-17.56
Jan 2022 - Sep 2022
Simulations are calculated with actual returns of US Stocks/Bonds 30/70 Portfolio | Preserved capital and withdrawals are considered adjusted for inflation | Withdrawals happen monthly | Performances are calculated in USD dollars, considering reinvestment of dividends when applicable | Portfolio is rebalanced each month | Inflation is updated at January 2023

For a complete view of the portfolio and all the possible strategies, please refer to US Stocks/Bonds 30/70 Portfolio page.

Withdrawal Rates Simulation (updated at Feb 2023)

How much would it be an acceptable withdrawal rate, for the US Stocks/Bonds 30/70 Portfolio?

Analyzing the available data source, all the 60-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 - Feb 2023
Swipe left to see all data
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) 		2.154
Mar 1937 		2.263
Mar 1937 		2.373
Mar 1937 		2.481
Feb 1937 		2.589
Feb 1937 		2.814
95% Succ. 		2.975
90% Succ. 		3.150
80% Succ. 		3.607
50% Succ.
Median 3.145
 3.261
 3.365
 3.495
 3.607
Average 3.424
 3.550
 3.675
 3.801
 3.926
Maximum
Best Period (from) 		6.856
Dec 1873 		6.955
Dec 1873 		7.054
Dec 1873 		7.153
Dec 1873 		7.252
Dec 1873
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Key
Withdrawal
Rates (%) 		Success Rate
100% 95% 90% 80% 50%
Preserved Capital 100% 2.154
 2.397
 2.498
 2.653
 3.145
75% 2.263
 2.496
 2.617
 2.788
 3.261
50% 2.373
 2.602
 2.741
 2.912
 3.365
25% 2.481
 2.700
 2.858
 3.036
 3.495
0% 2.589
 2.814
 2.975
 3.150
 3.607
Period: Mar 1923 - Feb 2023
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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) 		2.154
Mar 1937 		2.263
Mar 1937 		2.373
Mar 1937 		2.481
Feb 1937 		2.589
Feb 1937 		2.711
95% Succ. 		2.790
90% Succ. 		3.055
80% Succ. 		3.558
50% Succ.
Median 3.151
 3.256
 3.354
 3.457
 3.558
Average 3.139
 3.252
 3.364
 3.476
 3.589
Maximum
Best Period (from) 		4.588
Nov 1923 		4.780
Nov 1923 		4.972
Nov 1923 		5.164
Nov 1923 		5.357
Nov 1923
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Key
Withdrawal
Rates (%) 		Success Rate
100% 95% 90% 80% 50%
Preserved Capital 100% 2.154
 2.326
 2.407
 2.613
 3.151
75% 2.263
 2.421
 2.505
 2.727
 3.256
50% 2.373
 2.517
 2.602
 2.832
 3.354
25% 2.481
 2.618
 2.695
 2.938
 3.457
0% 2.589
 2.711
 2.790
 3.055
 3.558
Simulations are calculated with actual returns of US Stocks/Bonds 30/70 Portfolio | Preserved capital and withdrawals are considered adjusted for inflation | Withdrawals happen monthly | Performances are calculated in USD dollars, considering reinvestment of dividends when applicable | Portfolio is rebalanced each month | Inflation is updated at January 2023

Withdrawals and Success Rate

If you had implemented a specific Withdrawal Strategy with the US Stocks/Bonds 30/70 Portfolio, over 60 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 60-year timeframes available in the data source. To focus on a specific withdrawal rate, click on the links in the table.

Period: Jan 1871 - Feb 2023
Swipe left to see all data
Withdrawal
Rate
60 Years
% Fail
% Success over 60 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
100.00
2.50 %
100.00
100% Succ.
2.589% 		0.00
100.00
99.73
98.74
94.76
89.88
3.00 %
88.98
80% Succ.
3.150% 		11.02
88.98
82.48
70.55
62.60
57.72
3.50 %
55.47
50% Succ.
3.607% 		44.53
55.47
49.59
42.37
36.86
32.52
4.00 %
30.53
69.47
30.53
27.82
26.56
25.38
23.49
4.50 %
23.76
76.24
23.76
21.05
17.71
15.00
12.47
5.00 %
14.54
85.46
14.54
12.20
10.57
10.12
9.58
5.50 %
9.85
90.15
9.85
9.21
8.76
8.04
7.14
6.00 %
7.50
92.50
7.50
6.32
5.33
4.61
3.97
6.50 %
4.07
95.93
4.07
3.25
2.53
1.99
1.36
7.00 %
0.72
99.28
0.72
0.36
0.09
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
Legend: Min% of Protected Capital
Min 0%
Min 25%
Min 50%
Min 75%
Min 100%
Period: Mar 1923 - Feb 2023
Swipe left to see all data
Withdrawal
Rate
60 Years
% Fail
% Success over 60 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
100.00
2.50 %
100.00
100% Succ.
2.589% 		0.00
100.00
99.38
97.09
90.23
85.24
3.00 %
82.12
80% Succ.
3.055% 		17.88
82.12
77.96
70.27
68.19
62.58
3.50 %
55.51
50% Succ.
3.558% 		44.49
55.51
45.53
36.80
30.15
23.49
4.00 %
17.46
82.54
17.46
13.93
11.85
10.40
9.15
4.50 %
9.98
90.02
9.98
8.32
4.16
2.70
0.62
5.00 %
3.12
96.88
3.12
1.46
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
Legend: Min% of Protected Capital
Min 0%
Min 25%
Min 50%
Min 75%
Min 100%
Simulations are calculated with actual returns of US Stocks/Bonds 30/70 Portfolio | Preserved capital and withdrawals are considered adjusted for inflation | Withdrawals happen monthly | Performances are calculated in USD dollars, considering reinvestment of dividends when applicable | Portfolio is rebalanced each month | Inflation is updated at January 2023

Related Pages

Portfolio Main Page:
US Stocks/Bonds 30/70 Portfolio

For the US Stocks/Bonds 30/70 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

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