Will your portfolio survive a bad sequence of returns?

Test your portfolio against history's worst starting years and learn what happens to your portfolio. Real annual returns for stocks, bonds, cash & gold, 1928–2024.

Portfolio Stress Test
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Stress test setup

Spending & portfolio
$
$
% of portfolio / yr
$
Enter the current portfolio balance separately from spending.
Allocation (annually rebalanced)
Stocks 60% Bonds 30% Gold 0% Cash 10%

Bonds automatically fill the remaining 30%. Total: 100%.

Scenario
start year
years
Capped at available data (through 2024).

Educational purposes only.

This tool is for general education and scenario testing. It is not retirement advice, investment advice, financial advice, tax advice, or legal advice. Results are estimates based on historical market data and the inputs you enter. They do not predict future returns, guarantee outcomes, or account for your full financial situation. Before making retirement, investment, withdrawal, or tax decisions, consult a qualified professional who understands your specific circumstances. Past performance does not guarantee future results. You may lose money.

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