Buffett 90/10
90% in a US index fund and 10% in short-term government bonds, the mix Warren Buffett said he would leave in trust for his wife.
What it holds
| Asset | Share |
|---|---|
| US stocks, whole market | 90% |
| US Treasury bills | 10% |
How it did, 1926-07 to 2026-09
6.7%
Per year after inflation (9.9% before)
16.5%
Volatility
-73%
Worst drop, 1929 to 1932
3.35%
Safe withdrawal rate over 30 years, 3.92% over 20
Best and worst calendar years
| Best | Return |
|---|---|
| 1933 | +53.6% |
| 1954 | +45.0% |
| 1935 | +40.3% |
| 1958 | +40.0% |
| 1928 | +35.5% |
| Worst | Return |
|---|---|
| 1931 | −39.3% |
| 2008 | −33.1% |
| 1937 | −31.5% |
| 1930 | −25.6% |
| 1974 | −24.4% |
Open in the backtest tool Test a withdrawal rate
US dollars, rebalanced yearly, before tax and fund costs. Past results are not a promise about the future, and nothing here is investment advice.