{
  "id": 19288362,
  "title": "Warren Buffett's Instructions for His Wife's Inheritance Are 90% Stocks and 10% Bonds. Here's How That Mix Has Done Since 2000.",
  "url": "https://urgent.news/2026/11/10/warren-buffetts-instructions-for-his-wifes-inheritance-are-90-stocks",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-11-10T05:11:02.000Z",
  "source": {
    "name": "Motley Fool",
    "slug": "motley-fool",
    "url": "https://www.fool.com/investing/2026/11/10/warren-buffett-s-instructions-for-his-wife-s-inheritance-are-90-stocks-and-10-bonds-here-s-how-that-mix-has-done-since-2000/?source=iedfolrf0000001"
  },
  "original_language": "en",
  "account": "Warren Buffett offered specific instructions for how his wife should allocate her inheritance in 2013. He suggested 90% should be invested in a low-cost S&P 500 index fund and 10% in short-term government bonds. To test this plan, the S&P 500 index (replacing the fund due to its late start) and three-month Treasury bills were used as alternatives. Over 27 years since 1999, the 90/10 mix would have grown to about $727,000, or 7.67% annually, compared to the index's $819,000, or 8.15% annually. The mix lagged the index in most years but outperformed by around a third of a percentage point over the long term. It did better during market downturns, losing around 10% to 16% less than the index in losses. While the mix wouldn't outperform the index for a long-term buy-and-hold strategy, it could be a reasonable choice for money that needs to cover expenses during a market crash.",
  "summary": "The bond piece cost around $92,000 on a $100,000 stake since 2000. Was it worth it when stocks crashed?",
  "key_points": [
    "90/10 mix would have grown to $727,000 over 27 years, 7.67% annual return.",
    "This allocation lagged the index most years but outperformed by 0.33% long-term."
  ],
  "editors_take": "Prioritizing short-term bonds alongside an index fund trades maximum long-term growth for essential protection against volatility, offering a more stable way to fund immediate expenses during market downturns.",
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "Nasdaq Markets",
        "title": "Warren Buffett's Instructions for His Wife's Inheritance Are 90% Stocks and 10% Bonds. Here's How That Mix Has Done Since 2000.",
        "url": "https://urgent.news/2026/11/10/warren-buffetts-instructions-for-his-wifes-inheritance-are-90-stocks-19289491",
        "published": "2026-11-10T05:31:02.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}