Portfolios›Conservative Retirement Portfolio

Conservative Retirement Portfolio

Conservative

by Retirement Planning

Designed for capital preservation with minimal equity exposure. Heavy allocation to bonds, TIPS, and cash provides income and inflation protection, though rising rates can still hurt fixed-income-heavy mixes.

MAX DRAWDOWN

-16%

historical worst

RECOVERY

11 mo

from max drawdown

AVG CRISIS RETURN

-7%

across 7 events

Holdings Allocation

4 assets
BNDUS Aggregate Bonds (BND)
50%
VTIUS Stocks (VTI)
20%
VTIPTIPS (VTIP)
20%
SHVShort-Term Treasuries (SHV)
10%

Crisis Performance History

7 historical scenarios
Rate Hike Cycle 2022
-16%
2008 Global Financial Crisis
-10%
COVID-19 Crash
-6%
Black Monday 1987
-6%
Dot-com Bust
-5%
Bond Massacre 1994
-4%
EU Debt Crisis 2011
-3%

Returns = weighted portfolio peak-to-trough drawdown during each crisis period based on constituent ETF data.

PORTFOLIO STRESS TEST

Customize this portfolio

Adjust the Conservative Retirement Portfolio weights, add your own holdings, and stress test against 18+ crisis scenarios — including hypothetical tail-risk events like China-Taiwan invasion and SWIFT cyber attack.

Run Portfolio Stress Test →

MORE CONSERVATIVE PORTFOLIOS

All Weather Portfolio

Ray Dalio / Bridgewater

-22% worstConservative

Permanent Portfolio

Harry Browne

-15% worstConservative

Historical data is educational only. Not financial advice. Past crisis returns do not predict future performance.