Historical performance and safe withdrawal rate analysis for the Bernstein No-Brainer Portfolio. See asset allocation, risk metrics, and success rates across different withdrawal strategies and retirement horizons.
William Bernstein's simple portfolio: equal parts US Large Cap, US Small Cap, Foreign Stocks, and US Short-Term Bonds. Just 4 funds for complete diversification.
Source: The Intelligent Asset Allocator
Worst year: -22.3%
Sharpe: 0.46
| Metric | Value |
|---|---|
| CAGR (Annual Return) | 7% |
| Volatility (Std Dev) | 12.5% |
| Maximum Drawdown | -34.8% |
| Sharpe Ratio | 0.46 |
| Best Year | 26.8% |
| Worst Year | -22.3% |
| 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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