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워런 버핏 두 개 펀드 포트폴리오(S&P500 인덱스 90% + 미국 단기국채 10%)를 소개하고, 이 전략이 Lazy Portfolio보다 최근 13년간 성과가 좋았다고 설명하는 영상이다. 포트폴리오 구성: 버핏은 2013년 주주서한에서 S&P500 지수 펀드 90%, 단기 국채 펀드 10%를 권고했다. 추천 종목은 뱅가드 VFIAX/VOO(S&P500), VSBSX/VGSH(단기국채), 피델리티 FXAIX/FNILX/FNSOX, 찰스슈왑 SWPPX/SWSBX 등이다. 성과 비교: 1987년부터 초기 1만 달러, 월 500달러 적립 가정 시 버핏 포트폴리오 연 17.43%, 랩포트폴리오 16.23%로 약 1.2%p 차이가 나며, 장기 투자에서는 유의미한 차이라고 주장한다. 근거와 논리: 과거 성과는 미래 성과의 보증이 아니지만 참고 기준으로 쓸 수 있다고 언급한다. 대형 블루칩 500개 분산투자의 이점을 강조한다. 투자 조언: 지나치게 고민하지 말고 저비용 인덱스 펀드에 적절한 배분으로 장기 투자하면 충분하다고 조언한다. 버핏이 자신의 사후 자산도 이 2펀드 포트폴리오로 운용하도록 유언장에 명시했다고 소개한다. 리스크: 영상 내 명시적 리스크 언급은 제한적이며, 개별 자산 가격 방향 예측은 없다.
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are you trying to get your money right you are well you've come to the right channel hey what's going on everyone welcome to let's talk finances my name is trey and on today's video we're going to be going over the warren buffett two index fund portfolio warren buffett is known as the oracle of omaha arguably the most popular investor of our time now he's the ceo of berkshire hathaway which owns over 60 companies to include the auto insurance geico the battery company duracell and also dairy queen for those of you who love those swedes now his current net worth is over 100 billion dollars but this is all publicly known information what most people don't know about warren buffett is that he recommends a very simple approach to investing and he also recommends index funds so much so that in 2013 he wrote a letter to the shareholders of berkshire hathaway where he defined the exact allocations for what we call today the warren buffett portfolio and guess what it's crazy simple now in his portfolio he recommends either two mutual funds or exchange traded funds that you can put into a 401k a ira or even your taxable brokerage account with that being said let's go ahead and go into the breakdown of the portfolios that he recommends the allocations as well as the performance for those of you who are actually looking into becoming a millionaire through investing but before we continue don't forget to go ahead and subscribe to this channel if investing your way into millionaire status by way of index funds is something that you are interested in as previously stated the warren buffett portfolio consists of primarily two investments those investments being a mutual fund or exchange traded fund that seeks to track the s p 500.
the recommended allocation by warren buffett himself is 90 so that's 90 investments into an s p 500 index fund warren buffett goes on to recommend a vanguard index fund specifically ticker symbol vf iax for its mutual fund and voo for its exchange traded fund now for those of you who are looking to invest through fidelity the ticker symbols are going to be f x a i x and also f n i l x for its zero large cap index fund for those of you who don't really know the difference between fidelity's regular index fund and its zero index funds i went over it in this video here so be sure to check that one out after this for those of you who are looking to invest with charles swabs the ticker symbol for that particular fund is going to be s w p p x for those of us who are investing we should be investing to secure that financial future right but i have a question for you what does security look like to you all right what's the ultimate goal is it a one million dollar net worth is it five million dollars would you be happy with 500 000 so put down in the comments below a dollar amount that you're looking at accumulating in retirement to be happy the other 10 because remember that's only 90 percent that's going to be going into that s p 500 fund the other 10 percent he recommends to invest in a low-cost u.s short-term government bond so for vanguard in this particular instance what she does recommend the ticker symbols are going to be for the mutual fund v s b s x and for the exchange traded fund v g s h for fidelity it's going to be f n s o x and for charles schwab it's going to be s w s b x warren buffett went on to state that he believes that the performance of this two fund portfolio will outperform over 85 of all investors in the long term now he believes in this so sincerely that he went on to tell the trustees who will handle his finances upon his death to implement this to fund portfolio for all of his assets so when he passes away all of his assets will go into this two fund portfolio for his wife hey if you like this video so far please do not forget to gently tap that like button i would greatly appreciate it let's go into a comparison here of another very well known and probably equally as popular portfolio which we know as the lazy portfolio or the boglehead portfolio now for those of you who aren't familiar with this particular portfolio i went over it in this video so be sure to check that out but to give you a quick rundown it includes three funds that's going to be a total stock market index fund a total international stock market index fund as well as a bond now as you can see here when we're looking at the performance of the warren buffett portfolio versus the lazy portfolio the warren buffett portfolio actually outperformed the lazy portfolio for the last 13 years now obviously one of the more common rules to follow is that you don't measure today's success or future success by past performance but we do have to use it as a guide at least let's go ahead and take this a step further all right so if we take the performance all the way back to 1987 and we start this with a 10 000 initial investment and considering the investor is going to be putting in 500 a month contributions let's take a look and see what the performance of this will be and who comes out on top now if you look at the current chart here you'll see that the two fun warren buffett portfolio actually outperforms 17.43 to 16.23 now in the grand scheme of things a lot of people would look at this and say hey that one point something percent doesn't make that much of a difference however i would beg to differ if you're looking at investing over a 20 to 30 35 year period that actually does make a very significant difference and remember the larger position in the s p 500 specifically in warren buffett's two fund portfolio it will deliver share price appreciation and also allow for you to reap dividend income as well so you're going to be getting that maximum diversification in 500 of the largest blue chip and most successful companies within the united states now obviously these companies include the largest company so we're talking apple microsoft tesla walmart home depot lowe's the list goes on and on so all the most successful companies that you can think of these are the companies that you'll be invested in with this two fund portfolio now look at the end of the day i know that as a new investor or even some investors who have been investing for a little bit of time we're always looking for a way to manage our funds in such a way that we can secure a strong financial future not only for ourselves but for our children as well we often will stay up late nights early mornings trying to figure out what the best fund is there's so many funds to choose from my advice to all investors will be not to overthink this because in general you're already doing better than probably 70 to 80 percent of individuals out there because they don't invest at all so if you're stuck between a rock and a hard place and trying to decide hey should i invest in a total stock market index fund should i invest in a target dated index fund or should i invest in an s p 500 index fund time in the market is better than time out of the market as long as you are actually investing in a low cost index fund with the right allocations of which you can stomach the risk you'll be good to go so pull the trigger choose one of those funds and go with it but in this particular instance warren buffett the oracle of omaha the greatest investor of all time says put your funds into an s p 500 index fund as well as a u.s short-term bond there you have it guys if you found this video to be insightful in any way don't forget to subscribe to this channel one of the best channels whose sole purpose is to help you invest your way into millionaire status by way of the great index fund if you like the video please give it a thumbs up hit that like button and don't forget to hit the notification bell so that you don't miss any other content just like this one as always i want to thank the men and women who have served this country and who are currently serving this country i really appreciate all of you thank you very much for your service and until the next video guys let's talk finances then you
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