Bill Schultheis Coffee House Portfolio: ETF allocation and returns

Data Source: from January 1994 to September 2021

Last Update: 30 September 2021

The Bill Schultheis Coffee House Portfolio is exposed for 60% on the Stock Market.

It's a High Risk portfolio and it can be replicated with 7 ETFs.

In the last 10 years, the portfolio obtained a 9.42% compound annual return, with a 8.50% standard deviation.

In the last 25 years, a 8.01% compound annual return, with a 9.54% standard deviation.

In 2020, the portfolio granted a 2.25% dividend yield. If you are interested in getting periodic income, please refer to the Bill Schultheis Coffee House Portfolio: Dividend Yield page.

Asset Allocation and ETFs

The Bill Schultheis Coffee House Portfolio has the following asset allocation:

        60% Stocks
      
        40% Fixed Income
      
        0% Commodities

The Bill Schultheis Coffee House Portfolio can be replicated with the following ETFs:

Weight	Ticker	ETF Name	Investment Themes
10.00 %	IJR	iShares Core S&P Small-Cap	Equity, U.S., Small Cap
10.00 %	IJS	iShares S&P Small-Cap 600 Value	Equity, U.S., Small Cap, Value
10.00 %	VTV	Vanguard Value	Equity, U.S., Large Cap, Value
10.00 %	VEU	Vanguard FTSE All-World ex-US	Equity, Global ex-US, Large Cap
10.00 %	VNQ	Vanguard Real Estate	Real Estate, U.S.
10.00 %	VV	Vanguard Large-Cap	Equity, U.S., Large Cap
40.00 %	BND	Vanguard Total Bond Market	Bond, U.S., All-Term

Most of Lazy Portfolios are made of common components (asset classes), very simple and well defined. For a more complete view, find out the most common ETFs you can use to build your portfolio.

Portfolio and ETF Returns

The Bill Schultheis Coffee House Portfolio guaranteed the following returns.

BILL SCHULTHEIS COFFEE HOUSE PORTFOLIO RETURNS (%)

Last Update: 30 September 2021

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	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**	*20Y^()**	*25Y^()**
Bill Schultheis Coffee House Portfolio	-2.68	-1.13	+3.70	+21.72	+8.84	+8.53	+9.42	+7.92	+8.01
*Components*
IJR iShares Core S&P Small-Cap	-2.39	-2.92	+1.29	+57.36	+9.37	+13.54	+15.66	+11.40	+10.36
IJS iShares S&P Small-Cap 600 Value	-1.46	-4.03	+0.66	+66.24	+8.16	+11.74	+14.78	+10.60	+10.64
VTV Vanguard Value	-3.94	-0.95	+4.14	+32.59	+9.86	+12.14	+14.05	+8.41	+8.67
VEU Vanguard FTSE All-World ex-US	-3.33	-3.26	+1.87	+23.82	+8.34	+9.04	+7.99	+7.18	+5.40
VNQ Vanguard Real Estate	-5.68	+0.62	+12.29	+33.49	+11.96	+7.52	+11.52	+10.37	+10.07
VV Vanguard Large-Cap	-4.71	+0.39	+9.10	+30.17	+16.63	+17.28	+16.75	+9.70	+9.80
BND Vanguard Total Bond Market	-1.01	-0.05	+1.88	-1.04	+5.36	+2.88	+2.88	+4.09	+4.86

(*) annualized

Portfolio returns are calculated assuming:

a rebalancing of the components at the beginning of each year (i.e. at every January 1st)
the reinvestment of dividends

If you are interested in getting periodic income, please refer to the Bill Schultheis Coffee House Portfolio: Dividend Yield page.

Readings that may interest you

ETF Investing 101 for the Year 2021: Complete Guide to Evaluate and Build a ...

Richer, Wiser, Happier: How the World's Greatest Investors Win in Markets ...

Purposeful Retirement: How to Bring Happiness and Meaning to Your Retirement ...

Historical Returns

Bill Schultheis Coffee House Portfolio - Historical returns and stats.

BILL SCHULTHEIS COFFEE HOUSE PORTFOLIO

Last Update: 30 September 2021

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Period	Returns Sep 2021	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	-2.68%		-2.68% Sep 2021 - Sep 2021	0 - 1
3M	-1.13%		-2.68% Sep 2021 - Sep 2021	2 - 1
6M	+3.70%		-2.68% Sep 2021 - Sep 2021	5 - 1
YTD	+9.72%		-2.68% Sep 2021 - Sep 2021	8 - 1
1Y	+21.72%	8.70%	-2.68% Sep 2021 - Sep 2021	10 - 2
3Y	+8.84% annualized	12.00%	-15.36% Jan 2020 - Mar 2020	26 - 10
5Y	+8.53% annualized	9.74%	-15.36% Jan 2020 - Mar 2020	45 - 15
10Y	+9.42% annualized	8.50%	-15.36% Jan 2020 - Mar 2020	89 - 31
20Y	+7.92% annualized	9.67%	-33.93% Nov 2007 - Feb 2009	168 - 72
25Y	+8.01% annualized	9.54%	-33.93% Nov 2007 - Feb 2009	207 - 93
MAX 01 Jan 1994	+8.19% annualized	9.25%	-33.93% Nov 2007 - Feb 2009	233 - 100

* Annualized St.Dev. of monthly returns

Best Classic Portfolios, with High Risk, ordered by 25 Years annualized return.

	25 Years Stats		% Allocation
Portfolio	Return▾	Drawdown	Stocks	Bonds	Comm.
Yale Endowment David Swensen	+8.94%	-39.46%	70	30	0	Compare
Simple Path to Wealth JL Collins	+8.92%	-38.54%	75	25	0	Compare
Talmud Portfolio Roger Gibson	+8.85%	-40.18%	66.67	33.33	0	Compare
Late Sixties and Beyond Burton Malkiel	+8.64%	-41.80%	71	29	0	Compare
Lazy Portfolio David Swensen	+8.43%	-40.88%	70	30	0	Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since October 1996 - Chart and Data

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-33.93%	Nov 2007	Feb 2009	16	Oct 2010	20	36
-15.36%	Jan 2020	Mar 2020	3	Nov 2020	8	11
-11.31%	May 2002	Sep 2002	5	Jun 2003	9	14
-10.79%	May 1998	Aug 1998	4	Dec 1998	4	8
-10.65%	May 2011	Sep 2011	5	Jan 2012	4	9
-8.99%	Sep 2018	Dec 2018	4	Apr 2019	4	8
-6.89%	Feb 2001	Sep 2001	8	Mar 2002	6	14
-5.62%	Apr 2015	Sep 2015	6	Apr 2016	7	13
-4.25%	Jun 2007	Jul 2007	2	Oct 2007	3	5
-4.05%	Apr 2004	Apr 2004	1	Sep 2004	5	6
-3.93%	May 2012	May 2012	1	Aug 2012	3	4
-3.83%	Sep 2000	Nov 2000	3	Dec 2000	1	4
-3.33%	Feb 2018	Feb 2018	1	Jul 2018	5	6
-3.23%	Feb 1999	Feb 1999	1	Apr 1999	2	3
-3.21%	Jul 1999	Sep 1999	3	Dec 1999	3	6
-3.17%	May 2019	May 2019	1	Jun 2019	1	2
-2.75%	Sep 2014	Sep 2014	1	Oct 2014	1	2
-2.68%	Sep 2021	Sep 2021	1	in progress		1
-2.56%	Aug 2013	Aug 2013	1	Sep 2013	1	2
-2.29%	May 2006	May 2006	1	Aug 2006	3	4

Worst drawdowns since January 1994 - Chart and Data

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-33.93%	Nov 2007	Feb 2009	16	Oct 2010	20	36
-15.36%	Jan 2020	Mar 2020	3	Nov 2020	8	11
-11.31%	May 2002	Sep 2002	5	Jun 2003	9	14
-10.79%	May 1998	Aug 1998	4	Dec 1998	4	8
-10.65%	May 2011	Sep 2011	5	Jan 2012	4	9
-8.99%	Sep 2018	Dec 2018	4	Apr 2019	4	8
-6.89%	Feb 2001	Sep 2001	8	Mar 2002	6	14
-5.85%	Feb 1994	Nov 1994	10	Mar 1995	4	14
-5.62%	Apr 2015	Sep 2015	6	Apr 2016	7	13
-4.25%	Jun 2007	Jul 2007	2	Oct 2007	3	5
-4.05%	Apr 2004	Apr 2004	1	Sep 2004	5	6
-3.93%	May 2012	May 2012	1	Aug 2012	3	4
-3.83%	Sep 2000	Nov 2000	3	Dec 2000	1	4
-3.33%	Feb 2018	Feb 2018	1	Jul 2018	5	6
-3.23%	Feb 1999	Feb 1999	1	Apr 1999	2	3
-3.21%	Jul 1999	Sep 1999	3	Dec 1999	3	6
-3.17%	May 2019	May 2019	1	Jun 2019	1	2
-2.75%	Sep 2014	Sep 2014	1	Oct 2014	1	2
-2.68%	Sep 2021	Sep 2021	1	in progress		1
-2.62%	Jul 1996	Jul 1996	1	Sep 1996	2	3

Rolling Returns ( more details)

Bill Schultheis Coffee House Portfolio: annualized rolling and average returns

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	*Return ()**			Negative Periods
Rolling Period	Average	Best	Worst	Negative Periods
1 Year	+8.77%	+39.85% Mar 2009 - Feb 2010	-28.44% Mar 2008 - Feb 2009	15.53%
2 Years	+8.31%	+28.53% Mar 2009 - Feb 2011	-16.54% Mar 2007 - Feb 2009	8.71%
3 Years	+8.09%	+20.12% Mar 2009 - Feb 2012	-7.87% Mar 2006 - Feb 2009	6.71%
5 Years	+7.81%	+16.60% Mar 2009 - Feb 2014	-0.95% Mar 2004 - Feb 2009	0.73%
7 Years	+7.65%	+12.23% Apr 2009 - Mar 2016	+2.08% Mar 2002 - Feb 2009	0.00%
10 Years	+7.66%	+11.15% Mar 2009 - Feb 2019	+3.45% Mar 1999 - Feb 2009	0.00%
15 Years	+7.37%	+8.74% Feb 2003 - Jan 2018	+5.82% Mar 1994 - Feb 2009	0.00%
20 Years	+7.63%	+9.00% Dec 1994 - Nov 2014	+6.16% Apr 2000 - Mar 2020	0.00%

* Annualized rolling and average returns over full calendar month periods

If you need a deeper detail about rolling returns, please refer to the Bill Schultheis Coffee House Portfolio: Rolling Returns page.

Seasonality and Yearly/Monthly Returns

Bill Schultheis Coffee House Portfolio Seasonality: in which months is it better to invest?

In the table below, the average monthly return is represented.

Below each return, it's also mentioned the probability of obtaining a positive monthly result (Win %).

Both the Average Return and the Gain Frequency are useful to get an idea of what happened in the past.

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	Monthly Average Return (%) and Gain Frequency
Return (%)	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
Average Win %	0.37 64%	0.16 68%	0.67 79%	1.73 86%	0.53 64%	0.49 68%	0.75 71%	0.18 57%	0.19 57%	0.39 63%	1.38 78%	1.54 85%
Best Year	6.2 2019	3.5 1998	5.2 2016	9.3 2009	4.9 2003	4.2 2019	6.3 2009	3.6 2009	5.1 2010	7.2 2011	8.2 2020	5.7 2008
Worst Year	-8.4 2009	-7.7 2009	-10.9 2020	-4.1 2004	-4.5 2010	-5.2 2008	-6.0 2002	-8.3 1998	-5.5 2001	-13.5 2008	-3.9 2008	-4.9 2018

Statistics calculated for the period Jan 1994 - Sep 2021

For further information about the seasonality, check the Asset Class Seasonality page.

Monthly Returns of Bill Schultheis Coffee House Portfolio

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		Months
Year	Return	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2021	+9.72%	0.8	2.6	2.3	2.7	1.5	0.6	0.3	1.3	-2.7
2020	+7.45%	-0.7	-4.3	-10.9	7.0	2.2	1.6	2.9	2.0	-1.9	-0.7	8.2	3.2
2019	+18.99%	6.2	1.7	0.7	1.9	-3.2	4.2	0.6	-0.3	1.7	1.4	1.3	1.7
2018	-5.19%	1.1	-3.3	0.4	0.2	2.0	0.5	1.8	1.7	-1.0	-4.9	1.6	-4.9
2017	+11.02%	0.5	1.8	-0.1	0.8	0.3	1.1	1.2	-0.1	2.1	0.7	1.7	0.6
2016	+11.04%	-2.6	0.4	5.2	0.7	0.6	1.7	2.8	-0.1	0.1	-2.3	2.3	2.0
2015	-0.91%	0.1	1.9	0.2	-0.5	0.1	-1.5	0.8	-3.7	-1.0	4.0	0.2	-1.4
2014	+8.90%	-1.0	3.0	0.6	0.5	1.3	1.6	-1.6	2.5	-2.8	3.1	1.1	0.4
2013	+15.45%	2.6	0.8	2.0	1.9	-0.3	-1.4	3.3	-2.6	3.5	2.9	1.1	0.8
2012	+11.51%	3.9	1.7	1.5	0.0	-3.9	3.0	0.8	1.5	1.3	-0.7	0.6	1.6
2011	+2.80%	0.9	2.5	0.3	2.7	-0.2	-1.4	-0.6	-3.5	-5.4	7.2	-0.6	1.4
2010	+14.67%	-1.8	2.2	4.4	2.6	-4.5	-2.7	4.9	-2.2	5.1	2.5	-0.3	4.1
2009	+17.77%	-8.4	-7.7	4.6	9.3	3.6	-0.1	6.3	3.6	3.4	-2.4	3.5	2.4
2008	-18.65%	-2.4	-1.5	0.8	2.6	0.6	-5.2	0.3	1.3	-3.9	-13.5	-3.9	5.7
2007	+2.67%	1.6	-0.2	0.6	1.9	1.6	-1.8	-2.5	1.7	2.3	1.7	-3.0	-1.0
2006	+15.13%	3.7	0.4	1.8	0.4	-2.3	0.6	0.6	2.1	1.2	3.1	2.3	0.4
2005	+6.39%	-1.8	1.6	-1.5	-0.6	2.6	1.7	2.5	-0.2	0.5	-2.1	2.6	0.8
2004	+13.96%	1.8	1.6	1.0	-4.1	1.2	2.3	-1.5	1.8	1.5	1.8	3.6	2.4
2003	+23.09%	-1.9	-0.7	0.1	5.1	4.9	1.3	0.9	2.0	0.8	3.5	1.9	3.2
2002	-4.97%	-0.3	0.1	3.1	0.4	-0.3	-2.3	-6.0	0.9	-3.9	1.5	3.0	-0.8
2001	+2.01%	2.9	-3.2	-2.3	3.6	0.9	0.4	0.1	-0.8	-5.5	1.8	2.8	1.7
2000	+7.25%	-2.1	1.9	2.7	-1.0	-1.1	2.6	0.8	2.7	-0.7	-0.8	-2.5	4.7
1999	+8.30%	0.6	-3.2	1.5	4.6	-0.5	2.2	-1.3	-1.2	-0.7	1.4	1.3	3.7
1998	+7.16%	0.4	3.5	2.7	0.3	-1.2	0.8	-2.3	-8.3	3.5	3.0	3.0	2.3
1997	+17.88%	1.5	0.1	-1.9	1.5	4.5	3.5	4.4	-1.9	4.8	-2.2	1.1	1.7
1996	+13.71%	1.1	0.2	0.7	1.4	1.2	0.1	-2.6	1.9	2.8	1.5	4.1	0.7
1995	+22.24%	0.5	2.1	1.8	2.0	3.1	1.5	2.3	0.9	1.9	-1.1	2.8	2.5
1994	-0.93%	3.3	-1.4	-3.6	0.5	0.1	-1.1	1.9	2.0	-1.9	0.2	-2.6	1.9

* Note:
Portofolio Returns, up to December 2007, are simulated. They have been calculated using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio.

In particular, it has been used:

IJR - iShares Core S&P Small-Cap: simulated historical serie, up to December 2000
IJS - iShares S&P Small-Cap 600 Value: simulated historical serie, up to December 2000
VTV - Vanguard Value: simulated historical serie, up to December 2004
VEU - Vanguard FTSE All-World ex-US: simulated historical serie, up to December 2007
VNQ - Vanguard Real Estate: simulated historical serie, up to December 2004
VV - Vanguard Large-Cap: simulated historical serie, up to December 2004
BND - Vanguard Total Bond Market: simulated historical serie, up to December 2007