Bill Schultheis Coffee House Portfolio: ETF allocation and returns

Last Update: 30 June 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 8.49% compound annual return, with a 8.76% 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 June 2021

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	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**
Bill Schultheis Coffee House Portfolio	+0.64	+4.88	+10.98	+26.72	+10.14	+9.37	+8.49
*Components*
IJR - iShares Core S&P Small-Cap	+0.34	+4.33	+23.52	+67.40	+12.22	+15.80	+13.46
IJS - iShares S&P Small-Cap 600 Value	-0.71	+4.90	+30.41	+77.03	+10.60	+14.24	+12.71
VTV - Vanguard Value	-1.25	+5.13	+16.81	+41.44	+12.82	+13.03	+12.27
VEU - Vanguard FTSE All-World ex-US	-0.49	+5.30	+9.78	+36.55	+9.88	+11.18	+5.65
VNQ - Vanguard Real Estate	+2.64	+11.60	+21.41	+34.41	+11.90	+7.07	+9.72
VV - Vanguard Large-Cap	+2.65	+8.68	+14.97	+42.42	+19.33	+18.12	+14.92
BND - Vanguard Total Bond Market	+0.90	+1.93	-1.78	-0.59	+5.41	+2.98	+3.29

(*) 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

Antitrust: Taking on Monopoly Power from the Gilded Age to the Digital Age

Empire of Pain: The Secret History of the Sackler Dynasty

How to Adult: Personal Finance for the Real World

Historical Returns

Bill Schultheis Coffee House Portfolio - Historical returns and stats.

BILL SCHULTHEIS COFFEE HOUSE PORTFOLIO

Last Update: 30 June 2021

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Period	Returns Jun 2021	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	+0.64%		0.00%	1 - 0
3M	+4.88%		0.00%	3 - 0
6M	+10.98%		0.00%	6 - 0
YTD	+10.98%		0.00%	6 - 0
1Y	+26.72%	8.24%	-2.56% Sep 2020 - Oct 2020	10 - 2
3Y	+10.14% annualized	11.89%	-15.36% Jan 2020 - Mar 2020	26 - 10
5Y	+9.37% annualized	9.67%	-15.36% Jan 2020 - Mar 2020	45 - 15
10Y	+8.49% annualized	8.76%	-15.36% Jan 2020 - Mar 2020	87 - 33
MAX 01 Jan 1994	+8.31% annualized	9.27%	-33.93% Nov 2007 - Feb 2009	231 - 99

* Annualized St.Dev. of monthly returns

Best High Risk Porftolios, ordered by 10Y annualized return.

Portfolio	10Y Return ▾	Stocks	Bonds
Simple Path to Wealth JL Collins	+11.96%	75	25	Compare
Stocks/Bonds 60/40	+10.28%	60	40	Compare
Yale Endowment David Swensen	+9.47%	70	30	Compare
Talmud Portfolio Roger Gibson	+9.47%	66.67	33.33	Compare
Edge Select Moderately Aggressive Merrill Lynch	+9.47%	69	31	Compare

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Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since June 2011.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-15.36%	Jan 2020	Mar 2020	3	Nov 2020	8	11
-9.21%	Jul 2011	Sep 2011	3	Jan 2012	4	7
-8.99%	Sep 2018	Dec 2018	4	Apr 2019	4	8
-5.62%	Apr 2015	Sep 2015	6	Apr 2016	7	13
-3.93%	May 2012	May 2012	1	Aug 2012	3	4
-3.33%	Feb 2018	Feb 2018	1	Jul 2018	5	6
-3.17%	May 2019	May 2019	1	Jun 2019	1	2
-2.75%	Sep 2014	Sep 2014	1	Oct 2014	1	2
-2.56%	Aug 2013	Aug 2013	1	Sep 2013	1	2
-2.27%	Oct 2016	Oct 2016	1	Dec 2016	2	3
-1.72%	May 2013	Jun 2013	2	Jul 2013	1	3
-1.55%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-0.96%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-0.72%	Oct 2012	Oct 2012	1	Dec 2012	2	3
-0.28%	Aug 2019	Aug 2019	1	Sep 2019	1	2
-0.14%	Aug 2017	Aug 2017	1	Sep 2017	1	2
-0.12%	Aug 2016	Aug 2016	1	Sep 2016	1	2
-0.11%	Mar 2017	Mar 2017	1	Apr 2017	1	2

Worst drawdowns since December 1993.

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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
-2.62%	Jul 1996	Jul 1996	1	Sep 1996	2	3
-2.56%	Aug 2013	Aug 2013	1	Sep 2013	1	2

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	+8.64%	+39.85% Mar 2009 - Feb 2010	-28.44% Mar 2008 - Feb 2009	15.67%
2 Years	+8.28%	+28.53% Mar 2009 - Feb 2011	-16.54% Mar 2007 - Feb 2009	8.79%
3 Years	+8.08%	+20.12% Mar 2009 - Feb 2012	-7.87% Mar 2006 - Feb 2009	6.78%
5 Years	+7.80%	+16.60% Mar 2009 - Feb 2014	-0.95% Mar 2004 - Feb 2009	0.74%
7 Years	+7.65%	+12.23% Apr 2009 - Mar 2016	+2.08% Mar 2002 - Feb 2009	0.00%
10 Years	+7.64%	+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%

* 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

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	Months
Return (%)	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
Average	0.4	0.2	0.7	1.7	0.5	0.5	0.8	0.1	0.3	0.4	1.4	1.5
Best	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	-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
Gain Frequency	64	68	79	86	64	68	70	56	59	63	78	85

Detail of Monthly Returns

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		Months
Year	Return	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2021	+10.98%	0.8	2.6	2.3	2.7	1.5	0.6
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