educational proxy allocation · no attached historical result · Equity and reserve
Buffett-style 90/10
An educational 90/10 proxy pairing broad US equities with short-term Treasury bills. It illustrates an allocation idea, not Buffett's holdings; no sourced historical performance result is attached.
Published · Updated
Evidence status · educational proxy allocation
No provider-backed historical result is attached to this profile. Its allocation is illustrative, not evidence of anyone’s personal holdings, performance, or a recommendation.
How to read this profile
Warren Buffett publicly described a 90% S&P 500 / 10% short-term government bond example for a trust, not a universal portfolio prescription. These are liquid proxies and do not reproduce his or Berkshire Hathaway’s actual holdings.
This proxy makes the equity-versus-reserve design trade-off visible; whether a reserve meets a person's liquidity needs depends on their circumstances.
Educational proxy allocation
- VTI — Broad US equities proxy: 90.0%
- BIL — Short US Treasury bills: 10.0%
These liquid ETF proxies do not reproduce any person’s current holdings. Historical observations are not predictions.
Where it can struggle
The 90% equity weight can experience deep drawdowns, the reserve may lag equities, and the example does not account for an investor’s time horizon, taxes, spending, or risk capacity.