Why Warren Buffett's Wife Gets 90% Index Funds (And You Should Too)

Описание: Warren Buffett is the greatest investor in history. $100 billion fortune. 60 years of beating the market.
So when he reveals what he told his wife to do with his money after he's gone, everyone should listen.
His exact instructions: "Put 90% in a low-cost S&P 500 index fund. 10% in short-term government bonds."
That's it. No Berkshire Hathaway stock. No complex strategy. No financial advisor. No stock picking.
The greatest stock picker alive told his wife to IGNORE stock picking.
Why this matters for YOU:
If Buffett doesn't trust stock picking for his wife, why would you trust it for yourself?
The math behind Buffett's 90/10 strategy:
$10,000 start + $500/month for 40 years:

Buffett's 90/10 approach: $2,290,000
Wall Street's 2% fee approach: $1,410,000
Difference: $880,000 MORE wealth following Buffett

Why Buffett chose this:
✓ S&P 500 = entire American economy
✓ Auto-corrects: drops losers, adds winners
✓ 100-year average return: ~10% annually
✓ Zero decisions needed
✓ No expertise required
✓ Survives every crisis in history
Why NOT stock picking (even Buffett agrees):
✗ 95% of pros fail to beat index over 20 years
✗ Requires constant monitoring
✗ Emotional decisions destroy returns
✗ One bad pick can lose everything
✗ Nobody can do it consistently
Buffett vs Wall Street:
Buffett says: "Buy index funds"
Wall Street says: "Our experts will beat the market"
Reality: 95% of them can't
Buffett says: "Keep it simple"
Wall Street says: "You need alternatives, hedge funds, commodities"
Reality: Complexity = higher costs = worse returns
Buffett says: "Keep costs low"
Wall Street says: "Our fees are reasonable"
Reality: 0.03% vs 2% = $880,000 difference over 40 years
Buffett says: "Hold forever"
Wall Street says: "We'll time the market for you"
Reality: Market timing destroys returns
How to copy Buffett's exact strategy:

Open account at Vanguard/Fidelity/Schwab
Buy S&P 500 index (VFINX/FXAIX/SWPPX)
Add 10% short-term bonds or money market
Automate monthly contributions
Rebalance once per year
Never sell during crashes

Total setup time: 30 minutes
Annual maintenance: 15 minutes
Cost: 0.03% per year
The greatest investor alive chose the simplest possible strategy for his family. Not because he couldn't do better. Because he knows this is what actually works for everyone else.
Follow Buffett. Ignore Wall Street. Build wealth. #WarrenBuffett #IndexFunds #SP500 #JackBogle