| Year | Real Cumulative Growth | Est. Return (SD 0) | Est. Return (+1σ) | Est. Return (+2σ) | Est. Return (+3σ) | Est. Return (−1σ) | Est. Return (−2σ) | Est. Return (−3σ) | Diff. to Mean |
|---|---|---|---|---|---|---|---|---|---|
| 1970 | 94.12% | 88.50% | 102.96% | 119.78% | 139.35% | 76.07% | 65.38% | 56.20% | -5.98% |
| 1971 | 115.72% | 95.57% | 111.19% | 129.36% | 150.50% | 82.15% | 70.61% | 60.69% | -17.41% |
| 1972 | 141.39% | 103.21% | 120.08% | 139.70% | 162.53% | 88.72% | 76.26% | 65.55% | -27.00% |
| 1973 | 113.17% | 111.47% | 129.68% | 150.87% | 175.52% | 95.81% | 82.35% | 70.79% | -1.51% |
| 1974 | 76.56% | 120.38% | 140.05% | 162.93% | 189.56% | 103.47% | 88.94% | 76.45% | 57.24% |
| 1975 | 96.07% | 130.00% | 151.25% | 175.96% | 204.71% | 111.74% | 96.05% | 82.56% | 35.32% |
| 1976 | 111.44% | 140.40% | 163.34% | 190.03% | 221.08% | 120.68% | 103.73% | 89.16% | 25.99% |
| 1977 | 116.83% | 151.62% | 176.40% | 205.22% | 238.76% | 130.33% | 112.02% | 96.29% | 29.78% |
| 1978 | 128.54% | 163.74% | 190.50% | 221.63% | 257.85% | 140.75% | 120.98% | 103.99% | 27.39% |
| 1979 | 134.46% | 176.84% | 205.73% | 239.35% | 278.46% | 152.00% | 130.65% | 112.30% | 31.52% |
| 1980 | 149.60% | 190.97% | 222.18% | 258.49% | 300.72% | 164.15% | 141.10% | 121.28% | 27.65% |
| 1981 | 138.66% | 206.24% | 239.94% | 279.15% | 324.77% | 177.28% | 152.38% | 130.97% | 48.74% |
| 1982 | 149.66% | 222.73% | 259.13% | 301.47% | 350.73% | 191.45% | 164.56% | 141.45% | 48.83% |
| 1983 | 183.22% | 240.54% | 279.85% | 325.58% | 378.78% | 206.76% | 177.72% | 152.76% | 31.28% |
| 1984 | 187.39% | 259.77% | 302.22% | 351.61% | 409.06% | 223.29% | 191.93% | 164.97% | 38.63% |
| 1985 | 254.20% | 280.54% | 326.39% | 379.72% | 441.77% | 241.14% | 207.27% | 178.16% | 10.36% |
| 1986 | 336.79% | 302.97% | 352.48% | 410.08% | 477.09% | 260.42% | 223.84% | 192.40% | -10.04% |
| 1987 | 365.16% | 327.20% | 380.66% | 442.86% | 515.23% | 281.24% | 241.74% | 207.79% | -10.40% |
| 1988 | 439.40% | 353.36% | 411.10% | 478.27% | 556.43% | 303.73% | 261.07% | 224.40% | -19.58% |
| 1989 | 527.75% | 381.61% | 443.97% | 516.51% | 600.91% | 328.01% | 281.94% | 242.34% | -27.69% |
| 1990 | 432.76% | 412.12% | 479.46% | 557.81% | 648.96% | 354.24% | 304.48% | 261.72% | -4.77% |
| 1991 | 536.88% | 445.07% | 517.80% | 602.41% | 700.84% | 382.56% | 328.83% | 282.64% | -17.10% |
| 1992 | 543.75% | 480.65% | 559.20% | 650.57% | 756.88% | 413.14% | 355.12% | 305.24% | -11.60% |
| 1993 | 684.60% | 519.08% | 603.91% | 702.59% | 817.39% | 446.18% | 383.51% | 329.64% | -24.18% |
| 1994 | 679.90% | 560.59% | 652.19% | 758.76% | 882.74% | 481.85% | 414.17% | 356.00% | -17.55% |
| 1995 | 789.07% | 605.41% | 704.33% | 819.42% | 953.32% | 520.38% | 447.29% | 384.46% | -23.28% |
| 1996 | 884.88% | 653.81% | 760.65% | 884.94% | 1,029.54% | 561.98% | 483.05% | 415.20% | -26.11% |
| 1997 | 992.49% | 706.08% | 821.46% | 955.69% | 1,111.86% | 606.91% | 521.67% | 448.40% | -28.86% |
| 1998 | 1,052.42% | 762.54% | 887.14% | 1,032.10% | 1,200.75% | 655.44% | 563.38% | 484.25% | -27.54% |
| 1999 | 1,304.69% | 823.51% | 958.07% | 1,114.62% | 1,296.76% | 707.84% | 608.42% | 522.97% | -36.88% |
| 2000 | 1,190.37% | 889.35% | 1,034.67% | 1,203.74% | 1,400.44% | 764.43% | 657.07% | 564.78% | -25.29% |
| 2001 | 1,116.96% | 960.45% | 1,117.40% | 1,299.98% | 1,512.41% | 825.55% | 709.60% | 609.93% | -14.01% |
| 2002 | 969.77% | 1,037.24% | 1,206.73% | 1,403.92% | 1,633.33% | 891.56% | 766.34% | 658.70% | 6.96% |
| 2003 | 1,365.81% | 1,120.17% | 1,303.22% | 1,516.17% | 1,763.92% | 962.84% | 827.61% | 711.37% | -17.98% |
| 2004 | 1,608.38% | 1,209.74% | 1,407.41% | 1,637.39% | 1,904.95% | 1,039.82% | 893.78% | 768.24% | -24.79% |
| 2005 | 1,770.52% | 1,306.46% | 1,519.94% | 1,768.30% | 2,057.25% | 1,122.96% | 965.24% | 829.66% | -26.21% |
| 2006 | 2,108.62% | 1,410.91% | 1,641.46% | 1,909.68% | 2,221.74% | 1,212.74% | 1,042.41% | 896.00% | -33.09% |
| 2007 | 2,144.84% | 1,523.72% | 1,772.70% | 2,062.37% | 2,399.37% | 1,309.71% | 1,125.75% | 967.64% | -28.96% |
| 2008 | 1,309.98% | 1,645.54% | 1,914.43% | 2,227.26% | 2,591.21% | 1,414.42% | 1,215.76% | 1,045.00% | 25.62% |
| 2009 | 1,736.67% | 1,777.11% | 2,067.50% | 2,405.34% | 2,798.38% | 1,527.51% | 1,312.96% | 1,128.55% | 2.33% |
| 2010 | 2,012.65% | 1,919.19% | 2,232.80% | 2,597.65% | 3,022.12% | 1,649.64% | 1,417.94% | 1,218.78% | -4.64% |
| 2011 | 1,798.52% | 2,072.64% | 2,411.32% | 2,805.34% | 3,263.74% | 1,781.53% | 1,531.31% | 1,316.23% | 15.24% |
| 2012 | 2,069.99% | 2,238.35% | 2,604.11% | 3,029.63% | 3,524.69% | 1,923.97% | 1,653.74% | 1,421.46% | 8.13% |
| 2013 | 2,549.83% | 2,417.31% | 2,812.31% | 3,271.86% | 3,806.50% | 2,077.79% | 1,785.96% | 1,535.11% | -5.20% |
| 2014 | 2,609.55% | 2,610.58% | 3,037.17% | 3,533.45% | 4,110.84% | 2,243.92% | 1,928.75% | 1,657.85% | 0.04% |
| 2015 | 2,528.35% | 2,819.31% | 3,280.00% | 3,815.96% | 4,439.51% | 2,423.33% | 2,082.96% | 1,790.40% | 11.51% |
| 2016 | 2,809.53% | 3,044.72% | 3,542.24% | 4,121.06% | 4,794.46% | 2,617.08% | 2,249.50% | 1,933.55% | 8.37% |
| 2017 | 3,337.02% | 3,288.15% | 3,825.45% | 4,450.55% | 5,177.79% | 2,826.32% | 2,429.35% | 2,088.14% | -1.46% |
| 2018 | 2,869.52% | 3,551.05% | 4,131.31% | 4,806.38% | 5,591.77% | 3,052.29% | 2,623.59% | 2,255.09% | 23.75% |
| 2019 | 3,418.78% | 3,834.97% | 4,461.62% | 5,190.67% | 6,038.85% | 3,296.33% | 2,833.35% | 2,435.39% | 12.17% |
| 2020 | 3,695.38% | 4,141.58% | 4,818.34% | 5,605.68% | 6,521.67% | 3,559.88% | 3,059.88% | 2,630.11% | 12.07% |
| 2021 | 4,207.48% | 4,472.71% | 5,203.58% | 6,053.87% | 7,043.10% | 3,844.50% | 3,304.53% | 2,840.39% | 6.30% |
| 2022 | 3,402.29% | 4,830.32% | 5,619.62% | 6,537.89% | 7,606.21% | 4,151.88% | 3,568.73% | 3,067.49% | 41.97% |
| 2023 | 3,922.98% | 5,216.52% | 6,068.92% | 7,060.61% | 8,214.35% | 4,483.84% | 3,854.06% | 3,312.75% | 32.97% |
| 2024 | 4,228.54% | 5,633.59% | 6,554.15% | 7,625.13% | 8,871.11% | 4,842.33% | 4,162.21% | 3,577.61% | 33.23% |
| 2025 | 5,096.71% | 6,084.01% | 7,078.17% | 8,234.78% | 9,580.38% | 5,229.49% | 4,494.99% | 3,863.65% | 19.37% |
| 2026 | 5,828.76% | 6,570.45% | 7,644.09% | 8,893.17% | 10,346.36% | 5,647.60% | 4,854.37% | 4,172.56% | 12.72% |
| 2027 | 7,095.77% | 8,255.25% | 9,604.20% | 11,173.58% | 6,099.14% | 5,242.49% | 4,506.17% | 21.74% | |
| 2028 | 7,663.10% | 8,915.29% | 10,372.09% | 12,066.93% | 6,586.79% | 5,661.65% | 4,866.45% | 14.66% | |
| 2029 | 8,275.78% | 9,628.09% | 11,201.36% | 13,031.72% | 7,113.42% | 6,114.31% | 5,255.53% | 12.39% | |
| 2030 | 8,937.46% | 10,397.88% | 12,096.94% | 14,073.64% | 7,682.16% | 6,603.17% | 5,675.73% | 11.28% | |
| 2031 | 9,652.03% | 11,229.22% | 13,064.13% | 15,198.87% | 8,296.36% | 7,131.11% | 6,129.52% | 10.61% | |
| 2032 | 10,423.74% | 12,127.03% | 14,108.64% | 16,414.06% | 8,959.68% | 7,701.26% | 6,619.59% | 10.17% | |
| 2033 | 11,257.14% | 13,096.61% | 15,236.66% | 17,726.41% | 9,676.03% | 8,317.00% | 7,148.84% | 9.86% | |
| 2034 | 12,157.18% | 14,143.72% | 16,454.88% | 19,143.68% | 10,449.66% | 8,981.96% | 7,720.41% | 9.62% | |
| 2035 | 13,129.18% | 15,274.55% | 17,770.49% | 20,674.27% | 11,285.14% | 9,700.10% | 8,337.68% | 9.44% | |
| 2036 | 14,178.90% | 16,495.80% | 19,191.29% | 22,327.24% | 12,187.42% | 10,475.64% | 9,004.30% | 9.30% | |
| 2037 | 15,312.54% | 17,814.68% | 20,725.69% | 24,112.36% | 13,161.83% | 11,313.20% | 9,724.22% | 9.18% | |
| 2038 | 16,536.82% | 19,239.01% | 22,382.76% | 26,040.21% | 14,214.16% | 12,217.72% | 10,501.70% | 9.08% | |
| 2039 | 17,858.98% | 20,777.23% | 24,172.32% | 28,122.20% | 15,350.62% | 13,194.56% | 11,341.34% | 8.99% | |
| 2040 | 19,286.86% | 22,438.42% | 26,104.97% | 30,370.65% | 16,577.94% | 14,249.51% | 12,248.11% | 8.92% | |
| 2041 | 20,828.90% | 24,232.44% | 28,192.13% | 32,798.86% | 17,903.39% | 15,388.79% | 13,227.38% | 8.86% | |
| 2042 | 22,494.22% | 26,169.89% | 30,446.17% | 35,421.22% | 19,334.82% | 16,619.17% | 14,284.94% | 8.81% | |
| 2043 | 24,292.70% | 28,262.24% | 32,880.43% | 38,253.25% | 20,880.69% | 17,947.92% | 15,427.06% | 8.76% | |
| 2044 | 26,234.97% | 30,521.89% | 35,509.31% | 41,311.70% | 22,550.16% | 19,382.90% | 16,660.50% | 8.72% | |
| 2045 | 28,332.52% | 32,962.19% | 38,348.37% | 44,614.68% | 24,353.11% | 20,932.62% | 17,992.55% | 8.68% | |
| 2046 | 30,597.79% | 35,597.61% | 41,414.43% | 48,181.75% | 26,300.21% | 22,606.24% | 19,431.10% | 8.64% | |
| 2047 | 33,044.16% | 38,443.74% | 44,725.63% | 52,034.01% | 28,402.98% | 24,413.67% | 20,984.67% | 8.61% | |
| 2048 | 35,686.14% | 41,517.42% | 48,301.57% | 56,194.27% | 30,673.88% | 26,365.61% | 22,662.46% | 8.58% | |
| 2049 | 38,539.34% | 44,836.85% | 52,163.41% | 60,687.16% | 33,126.34% | 28,473.61% | 24,474.38% | 8.56% | |
| 2050 | 41,620.67% | 48,421.68% | 56,334.02% | 65,539.27% | 35,774.88% | 30,750.16% | 26,431.18% | 8.54% | |
| 2051 | 44,948.36% | 52,293.13% | 60,838.08% | 70,779.31% | 38,635.18% | 33,208.72% | 28,544.42% | 8.51% | |
| 2052 | 48,542.10% | 56,474.11% | 65,702.25% | 76,438.31% | 41,724.17% | 35,863.85% | 30,826.63% | 8.49% | |
| 2053 | 52,423.17% | 60,989.37% | 70,955.33% | 82,549.77% | 45,060.13% | 38,731.26% | 33,291.30% | 8.48% | |
| 2054 | 56,614.55% | 65,865.64% | 76,628.40% | 89,149.85% | 48,662.81% | 41,827.93% | 35,953.03% | 8.46% | |
| 2055 | 61,141.04% | 71,131.78% | 82,755.05% | 96,277.62% | 52,553.54% | 45,172.19% | 38,827.58% | 8.44% | |
| 2056 | 66,029.44% | 76,818.96% | 89,371.55% | 103,975.29% | 56,755.34% | 48,783.83% | 41,931.95% | 8.43% |
| Year | Nominal Drawdown | Real Drawdown |
|---|---|---|
| 1970 | -0.63% | -5.88% |
| 1971 | -0.00% | -0.00% |
| 1972 | -0.00% | -0.00% |
| 1973 | -12.98% | -19.96% |
| 1974 | -33.87% | -45.85% |
| 1975 | -11.26% | -32.05% |
| 1976 | -0.00% | -21.18% |
| 1977 | -0.00% | -17.37% |
| 1978 | -0.00% | -9.09% |
| 1979 | -0.00% | -4.90% |
| 1980 | -0.00% | -0.00% |
| 1981 | -0.00% | -7.31% |
| 1982 | -0.00% | -0.00% |
| 1983 | -0.00% | -0.00% |
| 1984 | -0.00% | -0.00% |
| 1985 | -0.00% | -0.00% |
| 1986 | -0.00% | -0.00% |
| 1987 | -0.00% | -0.00% |
| 1988 | -0.00% | -0.00% |
| 1989 | -0.00% | -0.00% |
| 1990 | -12.99% | -18.00% |
| 1991 | -0.00% | -0.00% |
| 1992 | -0.00% | -0.00% |
| 1993 | -0.00% | -0.00% |
| 1994 | -0.00% | -0.69% |
| 1995 | -0.00% | -0.00% |
| 1996 | -0.00% | -0.00% |
| 1997 | -0.00% | -0.00% |
| 1998 | -0.00% | -0.00% |
| 1999 | -0.00% | -0.00% |
| 2000 | -5.67% | -8.76% |
| 2001 | -10.11% | -14.39% |
| 2002 | -20.10% | -25.67% |
| 2003 | -0.00% | -0.00% |
| 2004 | -0.00% | -0.00% |
| 2005 | -0.00% | -0.00% |
| 2006 | -0.00% | -0.00% |
| 2007 | -0.00% | -0.00% |
| 2008 | -38.87% | -38.92% |
| 2009 | -16.75% | -19.03% |
| 2010 | -2.08% | -6.16% |
| 2011 | -9.91% | -16.15% |
| 2012 | -0.00% | -3.49% |
| 2013 | -0.00% | -0.00% |
| 2014 | -0.00% | -0.00% |
| 2015 | -2.40% | -3.11% |
| 2016 | -0.00% | -0.00% |
| 2017 | -0.00% | -0.00% |
| 2018 | -12.37% | -14.01% |
| 2019 | -0.00% | -0.00% |
| 2020 | -0.00% | -0.00% |
| 2021 | -0.00% | -0.00% |
| 2022 | -13.92% | -19.14% |
| 2023 | -0.00% | -6.76% |
| 2024 | -0.00% | -0.00% |
| 2025 | -0.00% | -0.00% |
| 2026 | -0.00% | -0.00% |
| Year | Annualized Real Return | MWR 20yr | P-MWR 20yr |
|---|---|---|---|
| 1970 | 8.67% | 6.91% | 5.60% |
| 1971 | 7.93% | 7.78% | 6.09% |
| 1972 | 7.98% | 6.74% | 5.29% |
| 1973 | 6.97% | 5.82% | 4.31% |
| 1974 | 9.42% | 7.60% | 6.34% |
| 1975 | 11.54% | 12.00% | 10.65% |
| 1976 | 11.10% | 10.70% | 9.40% |
| 1977 | 10.92% | 10.18% | 8.90% |
| 1978 | 11.29% | 10.66% | 9.40% |
| 1979 | 11.09% | 10.69% | 9.39% |
| 1980 | 12.03% | 11.28% | 10.12% |
| 1981 | 10.93% | 11.28% | 9.86% |
| 1982 | 11.00% | 13.50% | 11.83% |
| 1983 | 9.79% | 14.19% | 12.00% |
| 1984 | 10.57% | 13.17% | 11.40% |
| 1985 | 11.35% | 14.54% | 12.84% |
| 1986 | 10.19% | 12.29% | 10.53% |
| 1987 | 9.61% | 10.37% | 8.71% |
| 1988 | 9.26% | 10.48% | 8.69% |
| 1989 | 5.61% | 9.54% | 6.34% |
| 1990 | 6.14% | 8.48% | 5.90% |
| 1991 | 7.99% | 10.99% | 8.63% |
| 1992 | 6.23% | 9.69% | 6.80% |
| 1993 | 6.91% | 10.27% | 7.57% |
| 1994 | 6.80% | 8.82% | 6.45% |
| 1995 | 6.96% | 9.50% | 7.02% |
| 1996 | 6.00% | 8.80% | 6.06% |
| 1997 | 5.95% | 8.35% | 5.72% |
| 1998 | 6.25% | 7.90% | 5.55% |
| 1999 | 5.14% | 7.89% | 5.00% |
| 2000 | 4.93% | 6.70% | 4.14% |
| 2001 | 5.83% | 7.66% | 5.19% |
| 2002 | 6.86% | 8.61% | 6.32% |
| 2003 | 6.48% | 10.59% | 7.57% |
| 2004 | 5.42% | 8.13% | 5.30% |
| 2005 | 4.95% | 7.29% | 4.52% |
| 2006 | 5.43% | 6.94% | 4.53% |
| 2007 | 5.22% | 6.10% | 3.89% |
| Year | Annualized Real Return | SWR 30yr | P-SWR 30yr |
|---|---|---|---|
| 1970 | 8.94% | 6.25% | 5.78% |
| 1971 | 8.83% | 7.05% | 6.49% |
| 1972 | 7.85% | 6.13% | 5.50% |
| 1973 | 6.63% | 5.31% | 4.54% |
| 1974 | 8.66% | 6.95% | 6.38% |
| 1975 | 10.68% | 10.98% | 10.46% |
| 1976 | 10.20% | 9.77% | 9.24% |
| 1977 | 10.30% | 9.28% | 8.79% |
| 1978 | 10.19% | 9.71% | 9.18% |
| 1979 | 8.05% | 9.71% | 8.76% |
| 1980 | 8.90% | 10.18% | 9.39% |
| 1981 | 9.05% | 10.09% | 9.34% |
| 1982 | 8.92% | 12.01% | 11.09% |
| 1983 | 9.15% | 12.52% | 11.61% |
| 1984 | 9.17% | 11.57% | 10.74% |
| 1985 | 9.18% | 12.67% | 11.76% |
| 1986 | 7.96% | 10.59% | 9.52% |
| 1987 | 7.33% | 8.83% | 7.77% |
| 1988 | 7.65% | 8.83% | 7.87% |
| 1989 | 6.45% | 7.97% | 6.75% |
| 1990 | 6.43% | 7.11% | 6.02% |
| 1991 | 7.41% | 9.23% | 8.15% |
| 1992 | 7.10% | 8.10% | 7.07% |
| 1993 | 6.30% | 8.61% | 7.23% |
| 1994 | 5.99% | 7.37% | 6.08% |
| 1995 | 6.28% | 7.90% | 6.63% |
| 1996 | 6.42% | 7.29% | 6.16% |
| 1997 | 6.49% | 6.93% | 5.88% |
| Year | VTSAX | AVUV | VGSLX | VTMGX | AVDV | DFAE | VFIRX |
|---|---|---|---|---|---|---|---|
| 1970 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1971 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1972 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1973 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1974 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1975 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1976 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1977 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1978 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1979 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1980 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1981 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1982 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1983 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1984 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1985 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1986 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1987 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1988 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1989 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1990 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1991 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1992 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1993 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1994 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1995 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1996 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1997 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1998 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 1999 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2000 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2001 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2002 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2003 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2004 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2005 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2006 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2007 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2008 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2009 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2010 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2011 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2012 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2013 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2014 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2015 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2016 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2017 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2018 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2019 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2020 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2021 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2022 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2023 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2024 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2025 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
| 2026 | 25.00% | 20.00% | 5.00% | 20.00% | 15.00% | 10.00% | 5.00% |
Name:John and Jane
| Ticker | Weight | |
|---|---|---|
| VTSAX | 25.00% | |
| AVUV | 20.00% | |
| VGSLX | 5.00% | |
| VTMGX | 20.00% | |
| AVDV | 15.00% | |
| DFAE | 10.00% | |
| VFIRX | 5.00% | |
| Total Weight | 100.00% |
| Metric | Nominal | Real |
|---|---|---|
| Annual Return | 11.58% | 7.39% |
| StdDev | 16.52% | 16.34% |
Skewness | -0.1036 | -0.0974 |
Kurtosis | 0.6694 | 0.5955 |
| Sharpe Ratio | 0.5103 | |
| Estimated Return | 8.00% | |
| Max Draw Down | -38.87% | -45.85% |
+1StdDev
+2StdDev
+3StdDev
-1StdDev
-2StdDev
-3StdDev
Estimated Mean
Diff to Mean
Real Cumulative Growth
VTSAX
AVUV
VGSLX
VTMGX
AVDV
DFAE
VFIRX
Nominal
Real
Rolling 20 year real return
Max Withdrawal Rate 20
Permanent Max Withdrawal Rate 20
Rolling 30 year real return
Max Withdrawal Rate 30
Permanent Max Withdrawal Rate 30