60 portfolios for a euro investor
The same 60 portfolios as in our calculators, bought with euros without currency hedging (German mark before 1999), with euro-area inflation. Sorted by the safe 30-year withdrawal in euros.
In euros the median safe withdrawal is 2.80 % against 3.78 % in dollars; 46 of 47 portfolios allow less in euros. Best in euros: Four Corners (3.35 %).
| Portfolio | Since | A year, € | After inflation, € | Worst drop, € | Safe withdrawal, € | Safe withdrawal, $ |
|---|---|---|---|---|---|---|
| Four Corners | 1953 | 12.3 % | 9.3 % | −62.1 % | 3.35 % | 3.64 % |
| Coward's Portfolio | 1953 | 8.6 % | 5.7 % | −42.9 % | 3.32 % | 4.52 % |
| Merriman two funds | 1953 | 12.3 % | 9.4 % | −62.0 % | 3.31 % | 3.68 % |
| Coffeehouse | 1953 | 9.0 % | 6.1 % | −46.0 % | 3.23 % | 4.39 % |
| Armstrong Ideal Index | 1953 | 8.7 % | 5.8 % | −47.4 % | 3.21 % | 4.26 % |
| DFA 60/40 value tilt | 1953 | 8.4 % | 5.6 % | −44.1 % | 3.15 % | 4.29 % |
| Swedroe Larry Portfolio | 1953 | 6.8 % | 4.0 % | −36.3 % | 3.10 % | 4.20 % |
| Merriman Ultimate 60/40 | 1953 | 8.2 % | 5.4 % | −44.8 % | 3.09 % | 4.20 % |
| Talmud thirds | 1953 | 8.4 % | 5.6 % | −44.6 % | 3.07 % | 3.99 % |
| Vanguard Wellesley | 1953 | 7.3 % | 4.5 % | −33.2 % | 3.06 % | 4.10 % |
| Alaska Permanent Fund | 1953 | 8.8 % | 6.0 % | −50.8 % | 2.99 % | 4.07 % |
| CalPERS | 1953 | 8.7 % | 5.8 % | −49.3 % | 2.95 % | 4.02 % |
| Bengen for retirees | 1953 | 8.0 % | 5.2 % | −47.3 % | 2.93 % | 4.00 % |
| Bernstein No-Brainer | 1953 | 8.8 % | 5.9 % | −54.1 % | 2.92 % | 3.99 % |
| Swensen (Yale model) | 1953 | 8.6 % | 5.8 % | −47.6 % | 2.91 % | 3.97 % |
| Global market portfolio | 1953 | 7.9 % | 5.0 % | −44.2 % | 2.88 % | 3.92 % |
| Malkiel life-cycle (50s) | 1953 | 8.2 % | 5.4 % | −46.7 % | 2.86 % | 3.90 % |
| LifeStrategy 40/60 | 1953 | 6.7 % | 3.9 % | −37.6 % | 2.83 % | 3.85 % |
| Couch Potato 50/50 | 1953 | 7.5 % | 4.7 % | −40.6 % | 2.82 % | 3.83 % |
| Graham 50/50 | 1953 | 7.6 % | 4.7 % | −40.6 % | 2.82 % | 3.83 % |
| Target Retirement Income | 1953 | 6.0 % | 3.3 % | −35.0 % | 2.80 % | 3.66 % |
| LifeStrategy 60/40 | 1953 | 7.8 % | 4.9 % | −45.2 % | 2.80 % | 3.82 % |
| Graham 25/75 | 1953 | 5.9 % | 3.1 % | −34.9 % | 2.80 % | 3.60 % |
| Taleb barbell 90/10 | 1953 | 4.0 % | 1.2 % | −43.5 % | 2.80 % | 2.75 % |
| Vanguard Wellington | 1953 | 8.5 % | 5.7 % | −46.4 % | 2.79 % | 3.80 % |
| iShares AOR 60/40 | 1953 | 7.9 % | 5.0 % | −45.5 % | 2.79 % | 3.80 % |
| Target Retirement 2030 | 1953 | 7.7 % | 4.9 % | −44.5 % | 2.78 % | 3.79 % |
| LifeStrategy 20/80 | 1953 | 5.4 % | 2.6 % | −34.7 % | 2.78 % | 3.44 % |
| Three-Fund (Bogleheads) | 1953 | 7.7 % | 4.9 % | −44.5 % | 2.78 % | 3.78 % |
| GIC Singapore 65/35 | 1953 | 8.0 % | 5.2 % | −46.4 % | 2.78 % | 3.78 % |
| GPIF Japan 25/25/25/25 | 1953 | 6.8 % | 4.0 % | −40.6 % | 2.77 % | 3.78 % |
| Norway fund 70/30 | 1953 | 8.3 % | 5.4 % | −49.1 % | 2.77 % | 3.78 % |
| Ferri Core Four | 1953 | 8.8 % | 5.9 % | −51.7 % | 2.77 % | 3.66 % |
| Collins 75/25 | 1953 | 8.9 % | 6.1 % | −50.1 % | 2.75 % | 3.75 % |
| Graham 75/25 | 1953 | 9.0 % | 6.1 % | −50.1 % | 2.75 % | 3.75 % |
| LifeStrategy 80/20 | 1953 | 8.8 % | 5.9 % | −52.9 % | 2.74 % | 3.71 % |
| Burns Margarita | 1953 | 7.8 % | 5.0 % | −47.0 % | 2.74 % | 3.73 % |
| Target Retirement 2040 | 1953 | 8.5 % | 5.6 % | −50.1 % | 2.74 % | 3.73 % |
| Fidelity Four-in-One | 1953 | 9.2 % | 6.3 % | −56.0 % | 2.73 % | 3.69 % |
| NZ Super 80/20 | 1953 | 8.7 % | 5.8 % | −51.9 % | 2.72 % | 3.59 % |
| Buffett 90/10 | 1953 | 9.6 % | 6.8 % | −55.0 % | 2.71 % | 3.16 % |
| Ramsey four funds | 1953 | 10.3 % | 7.4 % | −65.2 % | 2.70 % | 3.46 % |
| CPP Canada 85/15 | 1953 | 8.7 % | 5.9 % | −53.7 % | 2.68 % | 3.42 % |
| Target Retirement 2050 | 1953 | 9.1 % | 6.2 % | −55.5 % | 2.66 % | 3.24 % |
| Second-Grader's | 1953 | 9.0 % | 6.2 % | −55.5 % | 2.65 % | 3.24 % |
| Siegel: all US stocks | 1953 | 10.2 % | 7.3 % | −58.8 % | 2.62 % | 2.89 % |
| S&P 500, buy and hold | 1953 | 10.2 % | 7.3 % | −58.8 % | 2.62 % | 2.89 % |
| Dalio All Seasons | 1984 | 7.7 % | 5.4 % | −28.7 % | 5.42 % | 6.81 % |
| ABP (Netherlands) | 1984 | 8.1 % | 5.8 % | −33.3 % | 5.34 % | 6.88 % |
| CalSTRS | 1984 | 8.4 % | 6.1 % | −36.6 % | 5.15 % | 6.76 % |
| Faber GAA | 1984 | 7.4 % | 5.2 % | −30.4 % | 5.13 % | 6.46 % |
| Stanford endowment | 1984 | 8.6 % | 6.3 % | −39.5 % | 5.10 % | 6.76 % |
| Harvard endowment | 1984 | 8.3 % | 6.0 % | −37.8 % | 5.08 % | 6.91 % |
| 7Twelve (Israelsen) | 1984 | 7.7 % | 5.4 % | −36.8 % | 4.90 % | 6.78 % |
| Faber Ivy (static) | 1984 | 8.0 % | 5.7 % | −36.5 % | 4.86 % | 6.65 % |
| RPAR risk parity | 1984 | 6.9 % | 4.6 % | −31.9 % | 4.72 % | 6.16 % |
| Equal weight 1/N | 1984 | 7.5 % | 5.2 % | −35.0 % | 4.60 % | 6.19 % |
| Golden Butterfly | 1968 | 8.5 % | 5.6 % | −30.5 % | 4.17 % | 5.61 % |
| Permanent Portfolio | 1968 | 6.9 % | 4.0 % | −29.4 % | 3.82 % | 5.09 % |
| Gone Fishin' | 1968 | 8.0 % | 5.0 % | −44.2 % | 3.16 % | 4.30 % |
Past results do not promise future ones. Not investment advice.