Apr 10, 2007 – Oct 2, 2026, Rebalanced annually, BND sets the start date
| Final balance | CAGR | Max drawdown | Sharpe ratio | |
|---|---|---|---|---|
| 80/20 | $58,751 | +9.52% | −45.26% | 0.66 |
| Buffett 90/10 | $66,582 | +10.22% | −50.15% | 0.65 |
Growth of $10,000
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Key metrics
| Return | 80/20 | Buffett 90/10 |
|---|---|---|
| Final balance | $58,751 | $66,582 |
| Total return | +487.51% | +565.82% |
| CAGR | +9.52% | +10.22% |
| Calendar years | 80/20 | Buffett 90/10 |
|---|---|---|
| Best year | +26.34% | +29.10% |
| Worst year | −28.22% | −32.45% |
| Positive years | 15 of 18 | 15 of 18 |
| Risk | 80/20 | Buffett 90/10 |
|---|---|---|
| Max drawdown | −45.26% | −50.15% |
| Longest drawdown | 3.3 years | 4.4 years |
| Volatility (annualized) | 15.52% | 17.36% |
| Risk-adjusted | 80/20 | Buffett 90/10 |
|---|---|---|
| Sharpe ratio | 0.66 | 0.65 |
| Sortino ratio | 0.93 | 0.91 |
| Calmar ratio | 0.21 | 0.20 |
Trailing returns
| Period | 80/20 | Buffett 90/10 | 80/20 − Buffett 90/10 |
|---|---|---|---|
| YTD | +10.43% | +12.42% | −1.99% |
| 1Y | +12.29% | +14.76% | −2.47% |
| 3Y | +19.11% | +21.24% | −2.13% |
| 5Y | +9.95% | +12.55% | −2.60% |
| 10Y | +12.17% | +14.04% | −1.88% |
| 15Y | +12.65% | +14.24% | −1.59% |
Rolling returns
| Period | 80/20 median | Buffett 90/10 median | More often ahead |
|---|---|---|---|
| 1Y | +12.95% | +13.93% | Buffett 90/10 75% |
| 3Y | +10.94% | +11.96% | Buffett 90/10 82% |
| 5Y | +11.12% | +12.49% | Buffett 90/10 88% |
| 10Y | +10.94% | +12.08% | Buffett 90/10 87% |
Worst drawdowns · 80/20
| Decline | Peak | Bottom | Recovered | Length |
|---|---|---|---|---|
| −45.3% | Oct 2007 | Mar 2009 | Jan 2011 | 3.3 years |
| −28.5% | Feb 2020 | Mar 2020 | Aug 2020 | 6 months |
| −23.4% | Dec 2021 | Oct 2022 | Jan 2024 | 2.1 years |
| −16.2% | Sep 2018 | Dec 2018 | Apr 2019 | 6 months |
| −15.5% | Jul 2011 | Oct 2011 | Feb 2012 | 7 months |
| Decline | Peak | Bottom | Recovered | Length |
|---|---|---|---|---|
| −50.2% | Oct 2007 | Mar 2009 | Mar 2012 | 4.4 years |
| −30.3% | Feb 2020 | Mar 2020 | Aug 2020 | 6 months |
| −22.5% | Jan 2022 | Oct 2022 | Dec 2023 | 1.9 years |
| −17.5% | Sep 2018 | Dec 2018 | Apr 2019 | 6 months |
| −16.8% | Feb 2025 | Apr 2025 | Jun 2025 | 4 months |
Annual returns
| Year | 80/20 | Buffett 90/10 | 80/20 − Buffett 90/10 |
|---|---|---|---|
| 2017 | +17.77% | +19.56% | −1.79% |
| 2018 | −4.16% | −3.97% | −0.20% |
| 2019 | +26.30% | +28.44% | −2.14% |
| 2020 | +18.40% | +16.80% | +1.60% |
| 2021 | +20.17% | +25.78% | −5.61% |
| 2022 | −18.24% | −16.75% | −1.50% |
| 2023 | +21.97% | +23.97% | −2.01% |
| 2024 | +19.32% | +22.79% | −3.46% |
| 2025 | +15.10% | +16.44% | −1.35% |
| 2026to Oct 2 | +10.43% | +12.42% | −1.99% |
Holdings
About 80/20 vs Buffett 90/10
Both hold mostly US stocks with a slice of bonds. The 80/20 holds the total US stock market and the broad US bond market. Buffett's 90/10 holds the S&P 500 and short-term Treasuries, so it has a little more in stocks and its bonds barely move with interest rates.
The 80/20 returned 9.5% a year from Apr 2007 to Oct 2026, against 10.2% for Buffett's 90/10. Both fell furthest in 2007–2009, the 80/20 by 45.3% and Buffett's 90/10 by 50.2%. Buffett's 90/10 beat the 80/20 in 13 of 18 full years and in 87% of rolling 10-year periods.
Daily closes with dividends reinvested and fund fees included, before taxes and trading costs. Both rebalance once a year. The comparison starts on Apr 10, 2007, when BND's prices begin.