Historical performance and safe withdrawal rate analysis for the Total Stock Market + Cash Cushion. See asset allocation, risk metrics, and success rates across different withdrawal strategies and retirement horizons.
100% Total US Stock Market with 2-3 years of expenses in cash. The cash cushion helps avoid selling stocks during market downturns, improving sequence-of-returns risk management.
Source: Early Retirement Now
Worst year: -22.1%
Sharpe: 0.41
| Metric | Value |
|---|---|
| CAGR (Annual Return) | 6.2% |
| Volatility (Std Dev) | 12.1% |
| Maximum Drawdown | -35% |
| Sharpe Ratio | 0.41 |
| Best Year | 25.4% |
| Worst Year | -22.1% |
| Withdrawal Rate | 30-Year Success | 40-Year Success |
|---|---|---|
| Conservative (3%) | 100% | 95% |
| Moderate (3.5%) | 100% | 93% |
| Standard (4%) | 95% | 87% |
| Aggressive (5%) | 81% | 73% |
Conservative (3%)
Moderate (3.5%)
Standard (4%)
Aggressive (5%)
Calculation Assumptions
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