A Buffett‑style, set‑and‑forget mix: 90% VOO (S&P 500) for growth and 10% VGSH (short‑term U.S. Treasuries) for stability, rebalanced once a year. Simple, broad, low‑cost exposure to big U.S. companies with a small safety cushion.

Put 90% in VOO (a Vanguard fund tracking the S&P 500—big U.S. companies like Apple and Microsoft) and 10% in VGSH (a Vanguard fund of short‑term U.S. Treasury bonds). Once a year, reset to 90/10 by selling what grew too much and buying what’s short. Stocks drive growth; bonds steady the ride.

Out-of-sample Sharpe higher (0.85 vs 0.82), lower drawdown (20.2% vs 22.1%), and Calmar ~0.65—delivering strong risk-adjusted gains with Buffett-style simplicity and low cost vs the S&P 500.