Historical performance and safe withdrawal rate analysis for the 3-Fund Portfolio. See asset allocation, risk metrics, and success rates across different withdrawal strategies and retirement horizons.
The classic Bogleheads 3-fund portfolio: Total US Stock Market, Total International Stock Market, and Total US Bond Market. Simple to manage, broad diversification, and low cost.
Source: Bogleheads.org
Worst year: -23.9%
Sharpe: 0.45
| Metric | Value |
|---|---|
| CAGR (Annual Return) | 7.1% |
| Volatility (Std Dev) | 13.4% |
| Maximum Drawdown | -37% |
| Sharpe Ratio | 0.45 |
| Best Year | 27.2% |
| Worst Year | -23.9% |
| Withdrawal Rate | 30-Year Success | 40-Year Success |
|---|---|---|
| Conservative (3%) | 100% | 92% |
| Moderate (3.5%) | 98% | 90% |
| Standard (4%) | 92% | 84% |
| Aggressive (5%) | 78% | 70% |
Conservative (3%)
Moderate (3.5%)
Standard (4%)
Aggressive (5%)
Calculation Assumptions
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