Warren Buffett Endorses 90/10 Portfolio: S&P 500 and Treasury Bill ETFs
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 17 2026
0mins
Source: NASDAQ.COM
- Portfolio Recommendation: Buffett's suggested 90/10 portfolio consists of 90% in the S&P 500 index and 10% in short-term Treasury bill ETFs, aimed at providing investors with stable returns and risk management.
- ETF Selection: He specifically endorses the Vanguard S&P 500 ETF and the Vanguard 0-3 Month Treasury Bill ETF, which offers a dividend yield of 3.67% and an expense ratio of just 0.07%, aligning with his low-cost investment philosophy.
- Cash Management Strategy: Buffett emphasizes the importance of maintaining liquidity, and by pairing a Treasury bill ETF with an S&P 500 ETF, investors can seize more attractive investment opportunities during market pullbacks.
- Market Adaptation: In the post-COVID era, while Treasury yields are lower than in previous years, the current 3.7% yield still exceeds the inflation rate, providing investors with a reasonable risk-free investment option.
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Analyst Views on AAPL
Wall Street analysts forecast AAPL stock price to rise
27 Analyst Rating
17 Buy
9 Hold
1 Sell
Moderate Buy
Current: 295.630
Low
239.00
Averages
306.89
High
350.00
Current: 295.630
Low
239.00
Averages
306.89
High
350.00
About AAPL
Apple Inc. designs, manufactures and markets smartphones, personal computers, tablets, wearables and accessories, and sells a variety of related services. Its product categories include iPhone, Mac, iPad, Wearables, Home and Accessories. Its services include advertising, AppleCare, cloud services, digital content, and payment services. The Company operates various platforms, including the App Store, that allow customers to discover and download applications and digital content, such as books, music, video, games and podcasts. It also offers digital content through subscription-based services, including Apple Arcade, Apple Fitness+, Apple Music, Apple News+, and Apple TV+. Its wearables include smartwatches, wireless headphones, and spatial computers. Its products include iPhone 16 Pro, iPhone 16, iPhone 15, iPhone 14, iPhone SE, MacBook Air, MacBook Pro, iMac, Mac mini, Mac Studio, Mac Pro, iPad Pro, iPad Air, AirPods, AirPods Pro, AirPods Max, Apple TV, Apple Vision Pro and others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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