Historical performance and safe withdrawal rate analysis for the Bogleheads 60/40. See asset allocation, risk metrics, and success rates across different withdrawal strategies and retirement horizons.
The traditional 60% stocks / 40% bonds allocation. A balanced approach suitable for retirees seeking moderate growth with reduced volatility compared to all-equity portfolios.
Source: Vanguard/Bogleheads
Worst year: -17.7%
Sharpe: 0.52
| Metric | Value |
|---|---|
| CAGR (Annual Return) | 6.4% |
| Volatility (Std Dev) | 9.8% |
| Maximum Drawdown | -26.6% |
| Sharpe Ratio | 0.52 |
| Best Year | 22.5% |
| Worst Year | -17.7% |
| 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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