125 start years, 1872–1996, US stocks and 10-year Treasuries, Rebalanced annually, In today's dollars
- Lasted 30 years
- 100%125 of 125
- Median final balance
- $6,685,528
- Worst 1 in 10 ended with
- $3,478,428
- Safe withdrawal rate
- 3.78%
Safe withdrawal rate by start year · 30 years, 60% stocks, 40% bonds
- Lasted at 3%
- Ran out at 3%
| Worst start years | Safe rate (%) |
|---|---|
| 3.78 | |
| 3.88 | |
| 3.89 | |
| 3.97 | |
| 4.17 | |
| 4.17 | |
| 4.19 | |
| 4.27 | |
| 4.32 | |
| 4.47 |
Balance over 30 years · $90,000 a year from $3,000,000, 60% stocks, 40% bonds
- Starting 1966
- Median
- Middle 80%
Lasted 30 years, by withdrawal rate · 60% stocks, 40% bonds
Start years by final balance · $90,000 a year from $3,000,000, 60% stocks, 40% bonds
- Lasted
- Ran out