Safe Withdrawal Rates with Switching Data
Here are the raw data.
Switching HSWR with 2% TIPS
Thresholds: 9-12-21-24
Stock allocations: 100%-50%-30%-20%-0%
Expenses: 0.20%
Duration: 30 years
Year,Earnings Yield 100E10/P,Historical Surviving Withdrawal Rate with 2% TIPS and Switching
1871 7.52 6.2
1872 6.90 6.2
1873 6.54 5.8
1874 7.19 5.8
1875 7.35 5.8
1876 7.52 6.4
1877 9.43 5.6
1878 10.31 5.7
1879 9.35 7.0
1880 6.54 5.1
1881 5.41 5.5
1882 6.37 5.2
1883 6.54 4.9
1884 6.94 4.8
1885 7.63 5.3
1886 5.99 5.1
1887 5.71 5.3
1888 6.49 5.0
1889 6.33 4.9
1890 5.81 5.1
1891 6.49 4.9
1892 5.26 5.3
1893 5.65 4.4
1894 6.37 5.0
1895 6.06 5.3
1896 6.02 5.1
1897 5.88 5.5
1898 5.21 5.3
1899 4.37 5.8
1900 5.35 5.1
1901 4.76 5.2
1902 4.48 5.4
1903 4.93 4.8
1904 6.29 5.5
1905 5.41 5.2
1906 4.98 5.2
1907 5.81 5.1
1908 8.40 5.9
1909 6.76 5.7
1910 6.90 4.9
1911 7.14 5.3
1912 7.25 5.8
1913 7.63 5.7
1914 8.62 6.0
1915 9.62 6.6
1916 8.00 6.7
1917 9.09 7.5
1918 15.15 9.2
1919 16.39 10.0
1920 16.67 9.1
1921 19.61 10.1
1922 15.87 10.1
1923 12.20 8.9
1924 12.35 9.2
1925 10.31 8.2
1926 8.85 7.5
1927 7.58 7.5
1928 5.32 7.1
1929 3.69 6.6
1930 4.48 6.4
1931 5.99 6.6
1932 10.75 7.7
1933 11.49 9.2
1934 7.69 6.6
1935 8.70 7.0
1936 5.85 5.9
1937 4.63 5.5
1938 7.41 5.9
1939 6.41 5.8
1940 6.10 6.1
1941 7.19 7.1
1942 9.90 7.6
1943 9.80 7.2
1944 9.01 6.8
1945 8.33 6.6
1946 6.41 6.7
1947 8.70 7.0
1948 9.62 7.0
1949 9.80 6.7
1950 9.35 7.1
1951 8.40 6.4
1952 8.00 5.9
1953 7.69 5.9
1954 8.33 5.9
1955 6.25 5.4
1956 5.46 5.3
1957 5.99 5.4
1958 7.25 5.6
1959 5.56 5.2
1960 5.46 5.2
1961 5.41 5.2
1962 4.72 5.2
1963 5.18 5.3
1964 4.63 5.2
1965 4.29 5.2
1966 4.15 5.3
1967 4.90 5.4
1968 4.65 5.4
1969 4.72 5.6
1970 5.85 5.9
1971 6.06 5.9
1972 5.78 6.0
1973 5.35 6.2
1974 7.41 7.1
1975 11.24 7.6
1976 8.93 6.1
1977 8.77 6.0
1978 10.87 6.6
1979 10.75 6.6
1980 11.24 6.2
HSWR50T2
50% Stocks and 50% TIPS at 2% interest.
Annually rebalanced.
Withdrawals adjusted to match CPI.
Expenses: 0.20%
Duration: 30 years
Year,Earnings Yield 100E10/P,Historical Surviving Withdrawal Rates for HSWR50T2
1921 19.61 7.1
1922 15.87 7.5
1923 12.20 7.2
1924 12.35 7.2
1925 10.31 7.0
1926 8.85 6.3
1927 7.58 6.2
1928 5.32 5.5
1929 3.69 4.6
1930 4.48 4.6
1931 5.99 4.9
1932 10.75 6.1
1933 11.49 7.2
1934 7.69 6.1
1935 8.70 6.6
1936 5.85 5.5
1937 4.63 4.9
1938 7.41 5.8
1939 6.41 5.6
1940 6.10 5.9
1941 7.19 7.0
1942 9.90 7.8
1943 9.80 7.5
1944 9.01 7.1
1945 8.33 6.9
1946 6.41 7.1
1947 8.70 7.8
1948 9.62 7.8
1949 9.80 7.6
1950 9.35 8.0
1951 8.40 7.3
1952 8.00 6.8
1953 7.69 6.6
1954 8.33 6.7
1955 6.25 5.8
1956 5.46 5.3
1957 5.99 5.4
1958 7.25 5.6
1959 5.56 4.9
1960 5.46 4.9
1961 5.41 4.8
1962 4.72 4.5
1963 5.18 4.8
1964 4.63 4.4
1965 4.29 4.2
1966 4.15 4.2
1967 4.90 4.5
1968 4.65 4.4
1969 4.72 4.4
1970 5.85 4.8
1971 6.06 4.8
1972 5.78 4.8
1973 5.35 4.8
1974 7.41 5.7
1975 11.24 6.5
1976 8.93 5.8
1977 8.77 5.9
1978 10.87 6.6
1979 10.75 6.9
1980 11.24 6.9
HSWR80T2
80% Stocks and 20% TIPS at 2% interest.
Annually rebalanced.
Withdrawals adjusted to match CPI.
Expenses: 0.20%
Duration: 30 years
Year,Earnings Yield 100E10/P,Historical Surviving Withdrawal Rates for HSWR80T2
1921 19.61 9.3
1922 15.87 9.6
1923 12.20 8.7
1924 12.35 9.0
1925 10.31 8.3
1926 8.85 7.3
1927 7.58 7.0
1928 5.32 5.7
1929 3.69 4.4
1930 4.48 4.5
1931 5.99 5.2
1932 10.75 7.3
1933 11.49 8.8
1934 7.69 6.8
1935 8.70 7.7
1936 5.85 5.9
1937 4.63 4.9
1938 7.41 6.6
1939 6.41 6.2
1940 6.10 6.5
1941 7.19 8.1
1942 9.90 9.8
1943 9.80 9.4
1944 9.01 8.7
1945 8.33 8.3
1946 6.41 8.0
1947 8.70 9.9
1948 9.62 10.4
1949 9.80 10.2
1950 9.35 10.6
1951 8.40 9.3
1952 8.00 8.5
1953 7.69 8.2
1954 8.33 8.5
1955 6.25 6.6
1956 5.46 5.8
1957 5.99 5.9
1958 7.25 6.5
1959 5.56 5.2
1960 5.46 5.1
1961 5.41 5.1
1962 4.72 4.6
1963 5.18 4.9
1964 4.63 4.4
1965 4.29 4.1
1966 4.15 3.9
1967 4.90 4.4
1968 4.65 4.2
1969 4.72 4.2
1970 5.85 4.8
1971 6.06 4.8
1972 5.78 4.7
1973 5.35 4.6
1974 7.41 6.0
1975 11.24 7.7
1976 8.93 6.5
1977 8.77 6.5
1978 10.87 7.8
1979 10.75 8.1
1980 11.24 8.0
Have fun.
John Walter Russell
I compiled this on May 22, 2005.
Updated July 13, 2005.
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