Jul 30, 2002 – Oct 2, 2026, Rebalanced annually, SHY sets the start date
| Final balance | CAGR | Max drawdown | Sharpe ratio | |
|---|---|---|---|---|
| Buffett 90/10 | $110,697 | +10.46% | −50.16% | 0.68 |
| 100% Stocks | $136,699 | +11.42% | −55.45% | 0.67 |
Growth of $10,000
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Key metrics
| Return | Buffett 90/10 | 100% Stocks |
|---|---|---|
| Final balance | $110,697 | $136,699 |
| Total return | +1,006.97% | +1,266.99% |
| CAGR | +10.46% | +11.42% |
| Calendar years | Buffett 90/10 | 100% Stocks |
|---|---|---|
| Best year | +29.10% | +33.45% |
| Worst year | −32.45% | −36.99% |
| Positive years | 20 of 23 | 20 of 23 |
| Risk | Buffett 90/10 | 100% Stocks |
|---|---|---|
| Max drawdown | −50.16% | −55.45% |
| Longest drawdown | 4.4 years | 4.4 years |
| Volatility (annualized) | 16.62% | 18.90% |
| Risk-adjusted | Buffett 90/10 | 100% Stocks |
|---|---|---|
| Sharpe ratio | 0.68 | 0.67 |
| Sortino ratio | 0.97 | 0.94 |
| Calmar ratio | 0.21 | 0.21 |
Trailing returns
| Period | Buffett 90/10 | 100% Stocks | Buffett 90/10 − 100% Stocks |
|---|---|---|---|
| YTD | +12.42% | +13.71% | −1.29% |
| 1Y | +14.76% | +15.92% | −1.16% |
| 3Y | +21.24% | +22.79% | −1.56% |
| 5Y | +12.55% | +12.47% | +0.08% |
| 10Y | +14.04% | +14.82% | −0.77% |
| 15Y | +14.24% | +15.31% | −1.07% |
| 20Y | +10.42% | +11.13% | −0.71% |
Rolling returns
| Period | Buffett 90/10 median | 100% Stocks median | More often ahead |
|---|---|---|---|
| 1Y | +13.21% | +14.63% | 100% Stocks 71% |
| 3Y | +11.01% | +12.22% | 100% Stocks 81% |
| 5Y | +11.27% | +11.99% | 100% Stocks 84% |
| 10Y | +11.09% | +11.70% | 100% Stocks 100% |
Worst drawdowns · Buffett 90/10
| 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 |
| −17.0% | Aug 2002 | Oct 2002 | May 2003 | 9 months |
| Decline | Peak | Bottom | Recovered | Length |
|---|---|---|---|---|
| −55.5% | Oct 2007 | Mar 2009 | Mar 2012 | 4.4 years |
| −35.0% | Feb 2020 | Mar 2020 | Aug 2020 | 6 months |
| −25.4% | Jan 2022 | Oct 2022 | Dec 2023 | 2 years |
| −20.0% | Sep 2018 | Dec 2018 | Apr 2019 | 7 months |
| −19.3% | Feb 2025 | Apr 2025 | Jun 2025 | 4 months |
Annual returns
| Year | Buffett 90/10 | 100% Stocks | Buffett 90/10 − 100% Stocks |
|---|---|---|---|
| 2017 | +19.56% | +21.21% | −1.65% |
| 2018 | −3.97% | −5.23% | +1.27% |
| 2019 | +28.44% | +30.67% | −2.23% |
| 2020 | +16.80% | +21.08% | −4.27% |
| 2021 | +25.78% | +25.68% | +0.10% |
| 2022 | −16.75% | −19.52% | +2.78% |
| 2023 | +23.97% | +26.05% | −2.07% |
| 2024 | +22.79% | +23.81% | −1.02% |
| 2025 | +16.44% | +17.10% | −0.66% |
| 2026to Oct 2 | +12.42% | +13.71% | −1.29% |
Holdings
About Buffett 90/10 vs 100% Stocks
Buffett's 90/10 holds 90% in the S&P 500 and 10% in short-term Treasuries. The 100% Stocks portfolio holds the total US stock market, which adds mid-size and small companies to the S&P 500, and no bonds.
Buffett's 90/10 returned 10.5% a year from Jul 2002 to Oct 2026, against 11.4% for 100% Stocks. Both fell furthest in 2007–2009, Buffett's 90/10 by 50.2% and 100% Stocks by 55.5%. 100% Stocks beat Buffett's 90/10 in 17 of 23 full years and in every rolling 10-year period.
Daily closes with dividends reinvested and fund fees included, before taxes and trading costs. Both rebalance once a year. The comparison starts on Jul 30, 2002, when SHY's prices begin.