60/40 (stocks/cash) portfolio

60% equities · 40% cash · quarterly rebalance · physical coin costs applied · computed 2026-07-19 with the same engine the app runs.

Real return in each crisis window. Green preserved purchasing power; red lost it.

Crisis	Real return	Max drawdown	PP ratio	Recovery
The 2008 financial crisis	−5.7%	−38.4%	0.94×	not recovered in window	Read
The 2020 COVID crash	+1.5%	−20.0%	1.01×	4.4 months	Read
The 1970s inflation decade	−23.2%	−38.5%	0.77×	not recovered in window	Read
The dot-com bust	−7.0%	−33.4%	0.93×	not recovered in window	Read
The Volcker double-dip	−18.8%	−18.8%	0.81×	not recovered in window	Read
The eurozone debt crisis	−0.1%	−12.9%	1.00×	not recovered in window	Read
The 2022 inflation and rate shock	−5.0%	−19.8%	0.95×	not recovered in window	Read
The 1987 crash	−1.0%	−20.6%	0.99×	not recovered in window	Read

Averaged across eight crises, a 60/40 stocks-and-cash portfolio returned −7.4% in real terms per window. Its best window was the 2020 COVID crash (+1.5%); its hardest was the 1970s inflation decade (−23.2%), and the deepest real drawdown, −38.5%, came in the 1970s inflation decade. Figures are real, after quarterly rebalancing and physical coin costs.

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Averages weight each crisis window equally; they summarize history, not a forecast. Sources and definitions: methodology.

Educational estimates, not financial advice