{
    "success": true,
    "data": {
        "id": 1683180,
        "msgid": "hassle-free-investing-the-90-10-strategy-a-la-warren-buffett-1776401459",
        "date": "2026-04-17 11:28:32",
        "title": "Hassle-Free Investing: The 90\/10 Strategy \u00e0 la Warren Buffett",
        "author": "Sakina Rakhma Diah Setiawan",
        "source": "KOMPAS",
        "tags": "",
        "topic": "Investment",
        "summary": "Warren Buffett advocates the simple 90\/10 investment strategy for retail investors, allocating 90% to low-cost stock index funds and 10% to short-term government bonds, as outlined in his 2013 letter to Berkshire Hathaway shareholders. This approach assumes long-term market growth and the difficulty of consistently outperforming the market through individual stock picks, promoting diversification and minimising fees to maximise returns. It underscores Buffett's belief that uncomplicated, cost-effective investing is optimal for achieving substantial wealth over time.",
        "content": "<p>JAKARTA, KOMPAS.com - Amid rising public interest in investing,\nparticularly among retail investors, a fundamental question arises: must\ninvestment strategies be complex to yield optimal profits? For veteran\ninvestor and one of the world\u2019s richest individuals, Warren Buffett, the\nanswer is quite the opposite. Through what is known as the 90\/10 method,\nBuffett offers a simple, inexpensive, and long-term-based approach, a\nstrategy specifically designed for retail investors. Quoted from\nInvestopedia on Friday (17\/4\/2026), the 90\/10 method is a highly\nstraightforward asset allocation strategy. Buffett recommends that\ninvestors allocate 90% of their portfolio to a low-cost stock index fund\nand the remaining 10% to short-term government bonds. This strategy was\nfirst revealed in Buffett\u2019s 2013 letter to Berkshire Hathaway\nshareholders. Indeed, Buffett advised the same approach for his family\u2019s\ninheritance fund. This approach stems from two main assumptions. First,\nthe stock market tends to rise in the long term alongside economic\ngrowth. Second, most investors cannot consistently outperform the market\nthrough individual stock selection. In the 90\/10 strategy, the largest\nportion is placed in low-cost equity mutual funds. These instruments\nreflect overall market performance, rather than relying on the\nperformance of one or a few stocks. By choosing equity mutual funds,\ninvestors are automatically diversified across hundreds of large\ncompanies. This reduces specific stock risks while providing broad\nexposure to economic growth. Additionally, costs are a crucial factor.\nBuffett has consistently criticised the high fees of active investment\nmanagers. In his letter to Berkshire Hathaway shareholders, he\nemphasised the importance of selecting instruments with low fees so that\nreturns are not eroded by charges.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/hassle-free-investing-the-90-10-strategy-a-la-warren-buffett-1776401459",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}