HomePortfoliosWarren Buffet – Berkshire Hathaway Retirement - Recommendation for Retail (USD)

Warren Buffet – Berkshire Hathaway Retirement - Recommendation for Retail (USD)

WARIANT ORYGINALNY

Założenia:

  • Szeroki rynek głównie USA z 10% domieszką światowego (opartego na dywidentach)
  • Brak "asset pickingu/realocation" (np. oblicajce 1-3lat na długoterminowe), "sector pickingu" (wykluczeń/nadmiarowych włączeń sektora technologicznego – szerki rynek sam się unormuje), "stock picingu" (uszególnienie poprzedniego)
  • Brak aktywnego rebalansowania – wynika z poprzedniego (pasywne inwestowanie)

Na co uważać:

  • Zmienność kursu USD/EUR, USD/PLN - trzeba rozważyć hedging EUR (lub do PLN jeśli dostępne)
  • Strategia skoncentrowana na rynku USD – Przeniesienie strategi 1:1 na inne rynki da historycznie inne wyniki
  • Na podstawie długiej historii – STRATEGIA AGNOSTYCZNA WZGLĘDEM MOMENTU WEJŚCJA (OGÓLNE ZALECENI ODNOŚNIE STRATEGI)
  • W momencie wydania zalecenia Buffet sam wycofał >50% środków z akcji i trzyma w gotówce (czeka na okazje inwestycyjną - wysokie wyceny rynkowe; nie skupuje nawet własnych akcji - uważa że nawet one są zbyt wysoko wycenione) - MOŻLIWA ZNACZNA KOREKTA
Created byuser-jjbl4n
Optimize FIRE Projection
Quarterly Rebalancing
USD
Moderate Risk
6.9yr backtest

Performance Summary

Total Return+107.60%
Annualized Return+11.10%
Volatility+13.03%
Sharpe Ratio0.70
Max Drawdown+27.84%

Holdings

Asset Allocation

Asset Class

Equity 80.0%Bonds 20.0%
Holdings Details
Diversified US-focused ETF portfolio blending S&P 500, dividend stocks, and short-term bonds for a stable, long-term passive investment strategy.
AssetTypeAllocationTER
CSPX.LSE
iShares Core S&P 500 UCITS ETF USD (Acc) • IE00B5BMR087
ETF
40.0%0.07%
UDVD.LSE
State Street SPDR S&P U.S. Dividend Aristocrats UCITS ETF USD Unhedged (Dist) • IE00B6YX5D40
ETF
30.0%0.35%
IBTA.LSE
iShares USD Treasury Bond 1-3yr UCITS ETF (Acc) • IE00BYXPSP02
ETF
20.0%0.07%
VHYA.LSE
Vanguard FTSE All-World High Dividend Yield UCITS ETF Acc • IE00BK5BR626
ETF
10.0%0.29%
Total100.0%0.18%

Performance

Portfolio Value Over Time
Starting with $10,000 investment → now worth $20,759.6
Histogram of Monthly Returns
The portfolio had a positive return during 58 of the 85 months (68%)
Monthly Returns Heatmap
Best month: +9.4% • Worst month: -8.5% • Best year: 2021 (+20.6%) • Worst year: 2022 (-8.9%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+2.3%+2.0%-5.2%+6.1%+2.8%+0.1%+0.5%+2.2%+0.3%---+11.3%
2025+2.5%-0.8%-2.6%-1.1%+4.1%+2.8%+1.9%+1.8%+1.2%+0.9%+1.2%+0.7%+13.3%
2024+0.8%+1.9%+3.4%-2.3%+1.5%+2.2%+2.8%+1.8%+2.0%-0.9%+3.6%-3.3%+14.1%
2023+3.4%-1.3%+0.6%+1.6%-2.3%+4.6%+2.9%-1.6%-3.6%-2.6%+6.6%+4.7%+13.0%
2022-3.6%-0.8%+3.0%-4.5%-0.5%-5.9%+5.7%-1.9%-6.7%+5.5%+3.0%-1.7%-8.9%
2021+0.2%+3.0%+4.2%+3.4%+1.3%+0.1%+1.3%+1.8%-3.1%+3.7%-0.8%+4.1%+20.6%
2020-0.7%-7.8%-8.5%+7.9%+2.2%+1.7%+3.2%+5.0%-2.9%-1.7%+9.4%+2.6%+9.1%
2019--------+0.6%+1.4%+2.5%+1.9%+6.5%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +27.84% • The longest drawdown period lasted for 1 year and 11 months and was between January 2022 and December 2023. It reached a trough of -16.4%.
When could this portfolio get you to financial independence?

Warren Buffet – Berkshire Hathaway Retirement - Recommendation for Retail (USD) returned +11.10% a year over the 7 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.

Dividend Income

Summary
This portfolio contains 1 distributing ETF (30.0% of total allocation)

Total Dividends Received

$655.79

28 payments

Dividend Yield

0.66%

(annualized)

Avg Per Payment

$23.42

per event

All dividends are automatically reinvested at the payment date. The portfolio value shown includes the compounding effect of dividend reinvestment.

Annual Breakdown
Dividend income per calendar year
YearDividends
2026$62.85
2025$115.34
2024$95.12
2023$91.93
2022$85.11
2021$90.19
2020$81.44
2019$33.81
Total$655.79

Detailed Metrics

Returns
Total Return
+107.60%
Annualized Return
+11.10%
Avg Monthly Return
+0.92%
Risk
Volatility (Annual)
+13.03%
Max Drawdown
+27.84%
Positive Months
68%
Average Drawdown
-4.0%
Risk-Adjusted
Sharpe Ratio
0.70
Risk-free rate: 2.0%
Sortino Ratio
0.66
Downside risk adjusted
Return/Volatility
0.85
Calmar Ratio
0.40
Return/Max Drawdown
Ulcer Index
5.45
Drawdown depth & duration
Martin Ratio
0.02
Return/Ulcer Index
Backtest Configuration
Initial Investment
$10,000
Final Value
$20,759.6
Backtest Period
2019-09-26 to 2026-09-03
6.9 years
Rebalancing
quarterly
Base Currency
USD