US Stocks/Bonds 70/30 Portfolio: 10-year retirement

Last Update: 31 October 2024

Do you have in mind a 10 years retirement, investing in the US Stocks/Bonds 70/30 Portfolio?

Worst case scenario so far, over a 10-year time horizon, you could have withdrawn 7.642% of your initial capital each year, kept withdrawing all the time (adjusting for inflation), and you wouldn't have run out of money before 10 years.

With a 4% withdrawal strategy, you would have lived on your investiment for 10 years in the 100% of cases. In the 70.58% of cases, you would have preserved your initial inflation adjusted capital.

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

The last 10 years of the US Stocks/Bonds 70/30 Portfolio

Over the last 10 years (last update: October 2024), the portfolio has returned 9.21% annualized, with a maximum drawdown of -21.69%.

A safe withdrawal rate would have been 13.11%.

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 Oct 2024
Withdrawal Rate (%)
Investment Performances
Timeframe Period from Period to Perpetual Safe Ann.Return(%)
[ Infl.Adj. ]		 Max
Drawdown(%)
10 Years 1 Nov 2014
 31 Oct 2024 5.891 13.110 9.21
[ 6.15 ] 		-21.69
Jan 2022 - Sep 2022
Simulations are calculated with actual returns of US Stocks/Bonds 70/30 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 October 2024

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

Withdrawal Rates Simulation (updated at Oct 2024)

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

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 - Oct 2024
Period: Nov 1924 - Oct 2024
Period: Nov 1974 - Oct 2024
Swipe left to see all data
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 		1.783
Jul 1911 		4.975
Jul 1911 		7.642
Jan 1973
95%
 0.000
 1.406
 4.097
 6.632
 8.821
90%
 0.199
 2.476
 4.797
 7.143
 9.598
80%
 2.384
 4.451
 6.625
 8.703
 10.792
50%
Median WR 		5.798
 7.683
 9.512
 11.339
 13.262
Only 1 case
Best Period (From) 		15.086
Jul 1932 		17.566
Jul 1932 		20.047
Jul 1932 		22.528
Jul 1932 		25.008
Jul 1932
Swipe left to see all data
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 1964 		0.000
Oct 1964 		2.786
Jul 1972 		5.407
Jun 1972 		7.642
Jan 1973
95%
 0.000
 1.505
 4.157
 6.803
 9.101
90%
 0.000
 2.451
 4.827
 7.316
 9.738
80%
 2.432
 4.500
 6.663
 8.700
 10.753
50%
Median WR 		5.851
 7.699
 9.512
 11.333
 13.204
Only 1 case
Best Period (From) 		15.086
Jul 1932 		17.566
Jul 1932 		20.047
Jul 1932 		22.528
Jul 1932 		25.008
Jul 1932
Swipe left to see all data
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
Nov 1998 		0.457
Mar 1999 		3.757
Mar 1999 		6.383
Sep 2000 		8.797
Sep 2000
95%
 0.433
 2.674
 5.300
 7.623
 10.137
90%
 2.725
 4.759
 6.899
 9.013
 10.861
80%
 4.447
 6.250
 7.955
 9.673
 11.368
50%
Median WR 		6.912
 8.632
 10.574
 12.331
 14.058
Only 1 case
Best Period (From) 		13.508
Aug 1982 		15.070
Aug 1982 		16.631
Aug 1982 		18.193
Aug 1982 		19.755
Aug 1982
Simulations are calculated with actual returns of US Stocks/Bonds 70/30 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 October 2024

Withdrawals and Success Rate

If you had implemented a specific Withdrawal Strategy with the US Stocks/Bonds 70/30 Portfolio, 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 - Oct 2024
Period: Nov 1924 - Oct 2024
Period: Nov 1974 - Oct 2024
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
99.94
92.13
82.57
2.50 %
100.00
0.00
100.00
99.42
89.98
79.39
3.00 %
100.00
0.00
100.00
99.02
88.25
76.95
3.50 %
100.00
0.00
100.00
98.03
86.10
74.29
4.00 %
100.00
0.00
100.00
95.54
83.67
70.58
4.50 %
100.00
0.00
100.00
92.13
79.68
65.32
5.00 %
100.00
0.00
99.94
88.71
77.42
58.71
5.50 %
100.00
0.00
99.48
86.33
74.64
53.50
6.00 %
100.00
0.00
98.26
84.25
69.60
47.89
6.50 %
100.00
0.00
96.00
80.72
63.40
42.62
7.00 %
100.00
0.00
91.55
77.53
57.04
37.52
7.50 %
100.00
100% Succ.
7.642% 		0.00
87.55
73.77
51.65
32.19
8.00 %
99.54
0.46
85.12
68.33
45.98
27.79
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
91.95
82.24
2.50 %
100.00
0.00
100.00
100.00
89.82
79.93
3.00 %
100.00
0.00
100.00
99.44
88.07
77.80
3.50 %
100.00
0.00
100.00
98.80
85.85
75.67
4.00 %
100.00
0.00
100.00
95.93
83.53
71.88
4.50 %
100.00
0.00
100.00
92.23
80.02
65.77
5.00 %
100.00
0.00
100.00
89.08
77.71
59.48
5.50 %
100.00
0.00
99.72
86.77
75.86
54.12
6.00 %
100.00
0.00
98.52
84.27
70.03
48.47
6.50 %
100.00
0.00
96.58
80.85
63.09
43.48
7.00 %
100.00
0.00
92.69
77.61
57.45
38.58
7.50 %
100.00
100% Succ.
7.642% 		0.00
88.53
74.38
51.99
34.04
8.00 %
99.44
0.56
85.38
67.72
46.99
29.14
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
97.09
92.31
2.50 %
100.00
0.00
100.00
100.00
95.43
90.44
3.00 %
100.00
0.00
100.00
100.00
94.80
89.19
3.50 %
100.00
0.00
100.00
100.00
94.18
88.98
4.00 %
100.00
0.00
100.00
99.17
93.35
86.28
4.50 %
100.00
0.00
100.00
97.51
91.06
79.42
5.00 %
100.00
0.00
100.00
95.22
89.40
73.18
5.50 %
100.00
0.00
100.00
94.59
88.98
68.19
6.00 %
100.00
0.00
100.00
94.18
83.37
62.58
6.50 %
100.00
0.00
99.79
91.68
75.26
56.13
7.00 %
100.00
0.00
97.30
89.40
70.06
49.06
7.50 %
100.00
0.00
95.22
87.11
66.74
42.20
8.00 %
100.00
0.00
94.39
79.21
60.50
37.42
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 70/30 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 October 2024

Related Pages

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

For the US Stocks/Bonds 70/30 Portfolio, 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