Historical performance and safe withdrawal rate analysis for the Bogleheads 80/20. See asset allocation, risk metrics, and success rates across different withdrawal strategies and retirement horizons.
An aggressive 80% stocks / 20% bonds allocation. Suited for early retirees with longer time horizons who can tolerate higher volatility in exchange for greater long-term returns.
Source: Bogleheads.org
Worst year: -29.8%
Sharpe: 0.43
| Metric | Value |
|---|---|
| CAGR (Annual Return) | 7.8% |
| Volatility (Std Dev) | 14.8% |
| Maximum Drawdown | -42.2% |
| Sharpe Ratio | 0.43 |
| Best Year | 30.7% |
| Worst Year | -29.8% |
| 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
Ask Alistair to model your exact portfolio allocation against real historical data and sequence-of-returns risk.
Try Alistair Free