2. Buffett's advice: 90% S&P 500, 10% short bonds

Model risk: medium · Started: 2026-10-21 · Updated: 2026-11-06

Account$96,341

Return−3.66%

vs S&P 500+0.43%

Worst drop−4.55%

What it does

How Buffett told the trustee of his estate to invest the money he leaves to his wife: 90% in a low-cost S&P 500 fund, 10% in short-term government bonds. Back to the split once a year.

Origin and history since 1926 →

Account value

Buffett's advice: 90% S&P 500, 10% short bondsS&P 500 buy & hold

Next move

No changes planned for the next session.

Holdings now

Ticker	Qty	Price	Value	Share
SHY	122	$81.63	$9,959	10.34%
SPY	117	$735.29	$86,029	89.30%
Cash			$353	0.37%

Trade log

Date	Action	Ticker	Qty	Price	Value	Fee
2026-10-22	Buy	SHY	122	$81.41	$9,932	$4.97
2026-10-22	Buy	SPY	117	$766.37	$89,665	$44.83

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