Historical performance and safe withdrawal rate analysis for the Buffett 90/10 Portfolio. See asset allocation, risk metrics, and success rates across different withdrawal strategies and retirement horizons.
Warren Buffett's recommended allocation for his wife's trust: 90% in S&P 500 index fund and 10% in short-term government bonds. Ultra-simple, ultra-low cost, high equity exposure.
Source: Berkshire Hathaway Annual Letter
Worst year: -33.8%
Sharpe: 0.42
| Metric | Value |
|---|---|
| CAGR (Annual Return) | 8.4% |
| Volatility (Std Dev) | 16.1% |
| Maximum Drawdown | -46.5% |
| Sharpe Ratio | 0.42 |
| Best Year | 33% |
| Worst Year | -33.8% |
| Withdrawal Rate | 30-Year Success | 40-Year Success |
|---|---|---|
| Conservative (3%) | 100% | 92% |
| Moderate (3.5%) | 98% | 90% |
| Standard (4%) | 92% | 84% |
| Aggressive (5%) | 78% | 70% |
Conservative (3%)
Moderate (3.5%)
Standard (4%)
Aggressive (5%)
Calculation Assumptions
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