US Stocks/Bonds 90/10 Portfolio: 10-year retirement

Last Update: 31 March 2024

Do you have in mind a 10 years retirement, investing in the US Stocks/Bonds 90/10 Portfolio?

Worst case scenario so far, over a 10-year time horizon, you could have withdrawn 6.307% of your initial capital each year, kept withdrawing all the time (adjusting for inflation), and you wouldn't have run out of money before 10 years.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 72.38% 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 90/10 Portfolio

Over the last 10 years (last update: March 2024), the portfolio has returned 11.21% annualized, with a maximum drawdown of -23.77%.

A safe withdrawal rate would have been 14.373%.

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
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Timeframes ending at Mar 2024
Withdrawal Rate (%)
Investment Performances
Timeframe Period from Period to Perpetual Safe Ann.Return(%)
[ Infl.Adj. ]		 Max
Drawdown(%)
10 Years 1 Apr 2014
 31 Mar 2024 7.808 14.373 11.21
[ 8.15 ] 		-23.77
Jan 2022 - Sep 2022
Simulations are calculated with actual returns of US Stocks/Bonds 90/10 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 March 2024

For a complete view of the portfolio and all the possible strategies, please refer to US Stocks/Bonds 90/10 Portfolio page.

Withdrawal Rates Simulation (updated at Mar 2024)

How much would it be an acceptable withdrawal rate, for the US Stocks/Bonds 90/10 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 - Mar 2024
Period: Apr 1924 - Mar 2024
Period: Apr 1974 - Mar 2024
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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 		1.554
Jul 1911 		4.474
Sep 1929 		6.307
Sep 1929
95%
 0.000
 1.033
 3.699
 6.245
 8.530
90%
 0.058
 2.346
 4.619
 6.965
 9.208
80%
 2.475
 4.490
 6.604
 8.646
 10.668
50%
Median WR 		6.643
 8.385
 10.175
 11.976
 13.732
Only 1 case
Best Period (From) 		18.460
Jul 1932 		21.010
Jul 1932 		23.560
Jul 1932 		26.111
Jul 1932 		28.661
Jul 1932
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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
Apr 1928 		0.000
Oct 1964 		2.405
Mar 1999 		4.474
Sep 1929 		6.307
Sep 1929
95%
 0.000
 0.917
 3.589
 6.146
 8.419
90%
 0.000
 2.164
 4.367
 6.812
 9.217
80%
 2.379
 4.367
 6.437
 8.573
 10.557
50%
Median WR 		6.966
 8.627
 10.343
 12.071
 13.793
Only 1 case
Best Period (From) 		18.460
Jul 1932 		21.010
Jul 1932 		23.560
Jul 1932 		26.111
Jul 1932 		28.661
Jul 1932
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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 		0.000
Feb 1999 		2.405
Mar 1999 		5.375
Sep 2000 		7.923
Sep 2000
95%
 0.000
 1.870
 4.632
 6.967
 9.621
90%
 2.462
 4.562
 6.579
 8.680
 10.482
80%
 4.698
 6.382
 7.982
 9.723
 11.370
50%
Median WR 		7.808
 9.569
 11.245
 12.879
 14.454
Only 1 case
Best Period (From) 		15.194
Mar 2009 		16.676
Mar 2009 		18.158
Mar 2009 		19.640
Mar 2009 		21.122
Mar 2009
Simulations are calculated with actual returns of US Stocks/Bonds 90/10 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 March 2024

Withdrawals and Success Rate

If you had implemented a specific Withdrawal Strategy with the US Stocks/Bonds 90/10 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 - Mar 2024
Period: Apr 1924 - Mar 2024
Period: Apr 1974 - Mar 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
99.88
91.34
82.79
2.50 %
100.00
0.00
100.00
99.30
89.24
79.83
3.00 %
100.00
0.00
100.00
98.31
87.33
77.79
3.50 %
100.00
0.00
100.00
96.40
85.93
75.12
4.00 %
100.00
0.00
100.00
93.49
83.20
72.38
4.50 %
100.00
0.00
99.94
90.76
79.88
68.84
5.00 %
100.00
0.00
99.83
87.73
77.62
64.53
5.50 %
100.00
0.00
98.60
85.81
75.29
60.70
6.00 %
100.00
100% Succ.
6.307% 		0.00
96.57
83.37
71.40
55.81
6.50 %
99.94
0.06
93.60
80.41
67.50
51.05
7.00 %
99.83
0.17
89.48
77.67
63.49
46.51
7.50 %
99.53
0.47
86.28
74.71
58.95
41.16
8.00 %
98.14
1.86
83.84
70.29
54.24
35.64
Legend: Min% of Protected Capital
Min 0%
Min 25%
Min 50%
Min 75%
Min 100%
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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
90.56
81.50
2.50 %
100.00
0.00
100.00
99.81
88.16
79.00
3.00 %
100.00
0.00
100.00
98.33
86.31
77.15
3.50 %
100.00
0.00
100.00
96.02
84.46
75.86
4.00 %
100.00
0.00
100.00
92.51
81.87
73.64
4.50 %
100.00
0.00
99.91
89.73
79.37
70.31
5.00 %
100.00
0.00
99.81
86.49
77.52
65.49
5.50 %
100.00
0.00
98.33
84.83
75.58
62.26
6.00 %
100.00
100% Succ.
6.307% 		0.00
95.74
82.52
72.34
58.37
6.50 %
99.91
0.09
92.51
79.74
68.18
54.21
7.00 %
99.72
0.28
88.62
77.24
64.01
49.68
7.50 %
99.26
0.74
85.85
74.65
60.41
43.66
8.00 %
97.13
2.87
83.16
70.49
56.89
37.93
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
94.80
91.27
2.50 %
100.00
0.00
100.00
99.79
94.59
89.60
3.00 %
100.00
0.00
100.00
98.75
94.18
88.77
3.50 %
100.00
0.00
100.00
97.51
93.56
88.15
4.00 %
100.00
0.00
100.00
95.43
91.48
86.49
4.50 %
100.00
0.00
100.00
95.01
90.23
82.54
5.00 %
100.00
0.00
100.00
94.18
89.19
76.51
5.50 %
100.00
0.00
99.79
94.18
88.15
72.35
6.00 %
100.00
0.00
98.13
92.10
83.37
68.61
6.50 %
100.00
0.00
95.84
90.64
77.96
64.24
7.00 %
100.00
0.00
94.59
88.98
73.39
59.88
7.50 %
100.00
100% Succ.
7.923% 		0.00
94.39
85.65
70.06
53.22
8.00 %
99.58
0.42
93.14
79.83
66.32
47.61
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 90/10 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 March 2024

Related Pages

Portfolio Main Page:
US Stocks/Bonds 90/10 Portfolio

For the US Stocks/Bonds 90/10 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