Historical performance and safe withdrawal rate analysis for the 100-Minus-Age Rule. See asset allocation, risk metrics, and success rates across different withdrawal strategies and retirement horizons.
A simple heuristic: allocate (100 - your age)% to stocks and the rest to bonds. Automatically becomes more conservative as you age. A starting point for personalized allocation.
Source: Conventional Financial Planning
Worst year: -18.4%
Sharpe: 0.48
| Metric | Value |
|---|---|
| CAGR (Annual Return) | 6.1% |
| Volatility (Std Dev) | 10.1% |
| Maximum Drawdown | -27.8% |
| Sharpe Ratio | 0.48 |
| Best Year | 21.2% |
| Worst Year | -18.4% |
| Withdrawal Rate | 30-Year Success | 40-Year Success |
|---|---|---|
| Conservative (3%) | 100% | 92% |
| Moderate (3.5%) | 98% | 90% |
| Standard (4%) | 90% | 82% |
| Aggressive (5%) | 74% | 66% |
Conservative (3%)
Moderate (3.5%)
Standard (4%)
Aggressive (5%)
Calculation Assumptions
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