This portfolio follows Warren Buffett's 90/10 investment advice, allocating 90% to a low-cost S&P 500 index fund and 10% to short-term government bonds. The strategy is designed for simplicity, broad market exposure, and low fees.
Asset Class
| Asset | Type | Allocation | TER |
|---|---|---|---|
CSPX.LSE iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087 | ETF | 90.0% | 0.07% |
CBU3.LSE iShares USD Treasury Bond 1-3yr UCITS ETF (Acc) • IE00B3VWN179 | ETF | 10.0% | 0.07% |
| Total | 100.0% | 0.07% |
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +0.6% | -0.6% | -5.7% | +10.3% | +5.4% | -1.2% | -0.6% | +3.2% | +0.4% | +0.1% | - | - | +11.6% |
| 2025 | +2.9% | -3.2% | -5.0% | -0.5% | +6.3% | +4.7% | +3.0% | +1.1% | +2.8% | +2.7% | +0.1% | +0.8% | +16.3% |
| 2024 | +1.9% | +3.6% | +3.3% | -3.0% | +2.5% | +5.3% | +0.6% | +1.3% | +2.5% | -0.2% | +5.0% | -1.5% | +23.1% |
| 2023 | +5.2% | -1.3% | +2.5% | +1.7% | +0.4% | +5.9% | +3.1% | -1.1% | -4.1% | -2.9% | +8.4% | +5.0% | +24.5% |
| 2022 | -5.8% | -1.6% | +4.2% | -7.1% | -2.0% | -7.3% | +7.5% | -2.4% | -7.1% | +5.1% | +2.1% | -2.7% | -17.2% |
| 2021 | +0.1% | +2.7% | +3.4% | +4.7% | +0.6% | +2.0% | +2.3% | +2.9% | -3.6% | +5.3% | -0.1% | +3.8% | +26.4% |
| 2020 | +0.6% | -8.7% | -8.2% | +9.3% | +3.1% | +2.0% | +5.0% | +7.4% | -3.3% | -2.9% | +9.3% | +3.5% | +16.2% |
| 2019 | +7.0% | +3.2% | +1.4% | +3.5% | -5.0% | +5.7% | +2.6% | -2.6% | +1.9% | +1.6% | +3.7% | +2.4% | +27.9% |
| 2018 | +4.4% | -2.6% | -3.6% | +1.6% | +1.5% | +1.0% | +2.6% | +2.8% | +0.7% | -6.2% | +0.9% | -7.3% | -4.8% |
| 2017 | +0.6% | +4.1% | +0.2% | +0.8% | +1.0% | +0.8% | +1.9% | -0.1% | +1.9% | +2.3% | +2.5% | +2.0% | +19.5% |
| 2016 | -6.2% | +2.0% | +5.2% | -0.3% | +2.0% | -0.4% | +4.1% | -0.1% | +0.2% | -1.5% | +3.4% | +2.1% | +10.4% |
| 2015 | -3.2% | +4.8% | -1.2% | +1.0% | +0.4% | -1.7% | +2.2% | -4.9% | -3.5% | +8.4% | -0.0% | -1.0% | +0.5% |
| 2014 | -2.6% | +4.0% | +0.3% | +0.5% | +2.3% | +2.1% | -0.8% | +3.0% | -0.7% | +1.5% | +2.9% | +0.6% | +13.7% |
| 2013 | +7.0% | +1.5% | +2.8% | +1.6% | +3.9% | -2.4% | +4.7% | -3.2% | +3.0% | +4.5% | +2.7% | +1.6% | +31.0% |
| 2012 | +3.2% | +4.1% | +2.9% | -0.6% | -6.0% | +3.8% | +2.2% | +1.8% | +1.7% | -1.8% | +0.7% | -1.3% | +10.7% |
| 2011 | +1.9% | +3.1% | +0.2% | +2.3% | -1.2% | -1.1% | -1.3% | -5.2% | -5.2% | +9.0% | -1.6% | +2.2% | +2.2% |
| 2010 | - | - | - | - | - | - | - | - | - | +0.1% | +0.0% | +6.0% | +6.1% |
Warren Buffett 90/10 portfolio returned +12.90% a year over the 16 years above. Run those same monthly returns forward through 10,000 simulated paths, with your own savings and target retirement age, to see when they could reach your FIRE number.