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.

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

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25 Years Stats
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Portfolio Return Drawdown Stocks Bonds Comm.
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+8.94% -39.46% 70 30 0 Compare
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+8.92% -38.54% 75 25 0 Compare
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+8.85% -40.18% 66.67 33.33 0 Compare
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Capital Growth

Time Range:

Drawdowns

Time Range:

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
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.

Swipe left to see all data
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
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