Data Source: from January 1986 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 02:00PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.94%
1 Day
Jul 05 2022, 02:00PM Eastern Time
0.04%
Current Month
July 2022

The Bill Schultheis Coffee House Portfolio is a High Risk portfolio and can be implemented with 7 ETFs.

It's exposed for 60% on the Stock Market.

In the last 30 Years, the Bill Schultheis Coffee House Portfolio obtained a 7.96% compound annual return, with a 9.19% standard deviation.

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 implemented with the following ETFs:

Weight Ticker ETF Name Investment Themes
10.00 % IJS iShares S&P Small-Cap 600 Value Equity, U.S., Small Cap, Value
10.00 % IJR iShares Core S&P Small-Cap Equity, U.S., Small Cap
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.

According to the available data source, let's assume we built the portfolio on January 1986.

Portfolio returns are calculated in USD, assuming: July 2022 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
BILL SCHULTHEIS COFFEE HOUSE PORTFOLIO RETURNS
Consolidated returns as of 30 June 2022
Live Update: Jul 05 2022, 02:00PM Eastern Time
Swipe left to see all data
  Chg (%) Return (%)
Return (%) as of Jun 30, 2022
  1 Day Time ET(*) Jul 2022 1M 6M 1Y 5Y(*) 10Y(*) 30Y(*)
Bill Schultheis Coffee House Portfolio -0.94 -0.04 -5.53 -14.33 -11.04 4.93 6.82 7.96
US Inflation Adjusted return -5.53 -17.66 -17.30 1.28 4.25 5.35
Components
IJS
iShares S&P Small-Cap 600 Value 		-1.71 02:00PM
Jul 05 2022 		-0.63 -8.96 -14.31 -14.23 6.57 10.79 11.03
IJR
iShares Core S&P Small-Cap 		-1.20 01:59PM
Jul 05 2022 		-0.27 -8.48 -18.93 -16.91 7.20 11.24 10.52
VTV
Vanguard Value 		-2.33 01:59PM
Jul 05 2022 		-1.35 -7.89 -9.29 -1.75 9.23 11.77 9.47
VEU
Vanguard FTSE All-World ex-US 		-2.68 01:59PM
Jul 05 2022 		-2.70 -7.68 -17.38 -18.51 2.89 5.19 5.29
VNQ
Vanguard Real Estate 		-1.65 01:59PM
Jul 05 2022 		0.12 -7.46 -20.54 -8.02 5.69 7.49 9.57
VV
Vanguard Large-Cap 		-0.84 01:59PM
Jul 05 2022 		0.22 -8.26 -21.46 -12.97 11.11 12.82 9.87
BND
Vanguard Total Bond Market 		0.26 02:00PM
Jul 05 2022 		1.06 -1.66 -10.35 -10.42 0.84 1.40 4.63
(*) Returns over 1 year are annualized
(*) Eastern Time (ET - America/New York)

US Inflation is updated to May 2022. Waiting for updates, inflation of Jun 2022 is set to 0%. Current inflation (annualized) is 1Y: 7.57% , 5Y: 3.61% , 10Y: 2.46% , 30Y: 2.47%

Live update: World Markets and Indexes

Portfolio Dividends

In 2021, the Bill Schultheis Coffee House Portfolio granted a 2.31% dividend yield. If you are interested in getting periodic income, please refer to the Bill Schultheis Coffee House Portfolio: Dividend Yield page.

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Historical Returns as of Jun 30, 2022

Historical returns and stats of Bill Schultheis Coffee House Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

BILL SCHULTHEIS COFFEE HOUSE PORTFOLIO
Consolidated returns as of 30 June 2022
Data Source: from January 1986 to June 2022
Swipe left to see all data
Period Return (%)
as of Jun 2022		 Return (%)
Infl.Adj.		 Standard
Deviation (%)		 Max
Drawdown (%)		 Months
Pos - Neg
1M
Jun 2022
-5.53
-5.53
-5.53
Jun 2022 - Jun 2022
0 - 1
3M
-10.10
-11.26
-10.10
Apr 2022 - Jun 2022
1 - 2
6M
-14.33
-17.66
-14.33
Jan 2022 - Jun 2022
2 - 4
YTD
-14.33
-17.66
-14.33
Jan 2022 - Jun 2022
2 - 4
1Y
-11.04
-17.30
9.99
-14.33
Jan 2022 - Jun 2022
6 - 6
50% pos
3Y(*)
4.13
-0.36
11.91
-15.36
Jan 2020 - Mar 2020
24 - 12
67% pos
5Y(*)
4.93
1.28
10.73
-15.36
Jan 2020 - Mar 2020
42 - 18
70% pos
10Y(*)
6.82
4.25
8.71
-15.36
Jan 2020 - Mar 2020
86 - 34
72% pos
15Y(*)
5.68
3.31
10.65
-33.93
Nov 2007 - Feb 2009
121 - 59
67% pos
20Y(*)
6.98
4.42
9.91
-33.93
Nov 2007 - Feb 2009
166 - 74
69% pos
25Y(*)
6.91
4.38
9.69
-33.93
Nov 2007 - Feb 2009
203 - 97
68% pos
30Y(*)
7.96
5.35
9.19
-33.93
Nov 2007 - Feb 2009
253 - 107
70% pos
MAX(*)
01 Jan 1986
8.59
5.71
9.37
-33.93
Nov 2007 - Feb 2009
309 - 129
71% pos
(*) Returns over 1 year are annualized

Returns and stats are calculated assuming a yearly rebalancing of the components weight. How do returns change with different rebalancing strategies?

Capital Growth as of Jun 30, 2022

An investment of 1000$, since July 1992, now would be worth 9943.23$, with a total return of 894.32% (7.96% annualized).

The Inflation Adjusted Capital now would be 4779.32$, with a net total return of 377.93% (5.35% annualized).
An investment of 1000$, since January 1986, now would be worth 20215.49$, with a total return of 1921.55% (8.59% annualized).

The Inflation Adjusted Capital now would be 7594.49$, with a net total return of 659.45% (5.71% annualized).

Drawdowns

Swipe left to see all data
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
-14.33% Jan 2022 Jun 2022 6 in progress 6
-11.30% May 2002 Sep 2002 5 Jun 2003 9 14
-10.79% May 1998 Aug 1998 4 Dec 1998 4 8
-10.66% May 2011 Sep 2011 5 Jan 2012 4 9
-9.00% Sep 2018 Dec 2018 4 Apr 2019 4 8
-6.90% Feb 2001 Sep 2001 8 Mar 2002 6 14
-5.85% Feb 1994 Nov 1994 10 Mar 1995 4 14
-5.61% Apr 2015 Sep 2015 6 Apr 2016 7 13
-4.24% 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
-2.89% Nov 1993 Nov 1993 1 Jan 1994 2 3
-2.75% Sep 2014 Sep 2014 1 Oct 2014 1 2
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-33.93% Nov 2007 Feb 2009 16 Oct 2010 20 36
-15.68% Sep 1987 Nov 1987 3 Oct 1988 11 14
-15.36% Jan 2020 Mar 2020 3 Nov 2020 8 11
-14.33% Jan 2022 Jun 2022 6 in progress 6
-11.30% May 2002 Sep 2002 5 Jun 2003 9 14
-10.79% May 1998 Aug 1998 4 Dec 1998 4 8
-10.73% Jan 1990 Sep 1990 9 Feb 1991 5 14
-10.66% May 2011 Sep 2011 5 Jan 2012 4 9
-9.00% Sep 2018 Dec 2018 4 Apr 2019 4 8
-6.90% Feb 2001 Sep 2001 8 Mar 2002 6 14
-5.85% Feb 1994 Nov 1994 10 Mar 1995 4 14
-5.61% Apr 2015 Sep 2015 6 Apr 2016 7 13
-4.24% 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
-3.64% Sep 1986 Sep 1986 1 Jan 1987 4 5
-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

Rolling Returns ( more details)

Bill Schultheis Coffee House Portfolio: annualized rolling and average returns

Swipe left to see all data
Rolling
Period		 Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
 9.17 39.85
Mar 2009 - Feb 2010 		-28.44
Mar 2008 - Feb 2009 		14.99%
2 Years
 8.79 28.53
Mar 2009 - Feb 2011 		-16.54
Mar 2007 - Feb 2009 		6.51%
3 Years
 8.69 20.12
Mar 2009 - Feb 2012 		-7.87
Mar 2006 - Feb 2009 		4.96%
5 Years
 8.65 16.60
Mar 2009 - Feb 2014 		-0.95
Mar 2004 - Feb 2009 		0.53%
7 Years
 8.62 15.33
Oct 1990 - Sep 1997 		2.08
Mar 2002 - Feb 2009 		0.00%
10 Years
 8.58 12.95
Dec 1987 - Nov 1997 		3.45
Mar 1999 - Feb 2009 		0.00%
15 Years
 8.25 11.60
Feb 1986 - Jan 2001 		5.68
Jul 2007 - Jun 2022 		0.00%
20 Years
 8.28 10.64
Feb 1986 - Jan 2006 		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

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

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

For further information about the seasonality, check the Asset Class Seasonality page.
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 %		 0.69
68% 		0.63
70% 		0.85
81% 		1.25
81% 		0.77
70% 		0.41
68% 		0.90
69% 		0.26
61% 		0.05
58% 		0.14
64% 		1.01
69% 		1.74
86%
Best
Year		 6.9
1987 		5.5
1986 		5.6
1986 		9.3
2009 		5.2
1990 		4.2
2019 		6.3
2009 		5.0
1986 		5.1
2010 		7.2
2011 		8.2
2020 		6.1
1991
Worst
Year		 -8.4
2009 		-7.7
2009 		-10.9
2020 		-5.5
2022 		-4.5
2010 		-5.5
2022 		-6.0
2002 		-8.3
1998 		-5.5
2001 		-13.5
2008 		-3.9
2008 		-4.9
2018
Statistics calculated for the period Jan 1986 - Jun 2022

Monthly/Yearly Returns

Bill Schultheis Coffee House Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
309 Positive Months (71%) - 129 Negative Months (29%)
Jan 1986 - Jun 2022
Swipe left to see all data
Yearly Return(%)
Monthly Return(%)
Year Total Infl.Adj Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022
 -14.33 -17.66 -3.8 -1.2 0.2 -5.5 0.7 -5.5
2021
 +15.24 +7.60 0.8 2.6 2.3 2.7 1.5 0.6 0.3 1.3 -2.7 3.1 -1.6 3.5
2020
 +7.45 +6.09 -0.7 -4.3 -10.9 7.0 2.2 1.6 2.9 2.0 -1.9 -0.6 8.2 3.2
2019
 +18.99 +16.36 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 -6.97 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 +8.71 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 +8.81 -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 -1.54 0.0 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 +8.20 -1.0 3.0 0.6 0.5 1.3 1.6 -1.5 2.5 -2.7 3.1 1.1 0.4
2013
 +15.45 +13.73 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 +9.58 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 -0.26 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 +13.05 -1.8 2.2 4.4 2.6 -4.5 -2.7 4.9 -2.2 5.1 2.5 -0.3 4.0
2009
 +17.77 +14.55 -8.4 -7.7 4.6 9.3 3.6 -0.1 6.3 3.5 3.4 -2.4 3.5 2.4
2008
 -18.65 -18.63 -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 -1.38 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 +12.30 3.6 0.3 1.8 0.4 -2.3 0.6 0.6 2.1 1.2 3.1 2.3 0.4
2005
 +6.39 +2.95 -1.8 1.6 -1.5 -0.6 2.6 1.7 2.5 -0.1 0.5 -2.1 2.6 0.8
2004
 +13.96 +10.27 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 +20.63 -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 -7.27 -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 +0.40 2.9 -3.2 -2.3 3.5 0.9 0.4 0.1 -0.8 -5.5 1.8 2.8 1.7
2000
 +7.25 +3.69 -2.1 1.9 2.7 -1.0 -1.1 2.6 0.8 2.7 -0.6 -0.8 -2.5 4.7
1999
 +8.30 +5.47 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 +5.46 0.4 3.5 2.7 0.3 -1.2 0.7 -2.3 -8.3 3.5 3.0 3.0 2.3
1997
 +17.88 +15.91 1.4 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 +9.99 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 +19.22 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 -3.44 3.3 -1.4 -3.6 0.5 0.1 -1.1 1.8 2.0 -1.9 0.2 -2.6 1.9
1993
 +15.63 +12.47 2.5 2.1 3.2 0.1 1.4 1.0 1.2 3.0 0.7 0.7 -2.9 1.8
1992
 +9.77 +6.61 1.0 1.0 -1.7 0.7 2.2 -1.0 2.5 0.0 1.1 -0.5 2.2 2.0
1991
 +24.84 +21.22 4.2 5.1 2.4 1.1 2.1 -3.0 2.8 1.7 1.3 1.3 -2.3 6.1
1990
 -5.30 -10.88 -4.5 0.3 0.2 -2.2 5.2 0.4 -0.2 -6.2 -4.0 0.6 3.4 1.9
1989
 +17.31 +12.11 3.1 -0.5 0.9 3.1 2.3 0.8 4.8 0.2 0.5 -1.5 1.2 1.2
1988
 +15.77 +10.88 4.1 4.0 0.2 0.7 -0.8 3.5 -0.1 -1.6 2.6 1.7 -0.6 1.3
1987
 +2.99 -1.29 6.9 2.7 2.0 -1.0 0.0 2.2 1.7 2.1 -1.8 -12.6 -1.8 3.8
1986
 +20.45 +19.04 1.4 5.5 5.6 0.9 0.6 3.1 -1.4 5.0 -3.6 1.5 1.4 -0.7

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:

  • IJS - iShares S&P Small-Cap 600 Value: simulated historical serie, up to December 2000
  • IJR - iShares Core S&P Small-Cap: 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

Portfolio efficiency

Is the Bill Schultheis Coffee House Portfolio actually efficient, compared to other Lazy Portfolios?

Overall Ratings

The Bill Schultheis Coffee House Portfolio is classified as High Risk.

Very High Risk
Bond weight:
Less than 25%
High Risk
Bond weight:
25% - 49.99%
Medium Risk
Bond weight:
50% - 74.99%
Low Risk
Bond weight:
At least 75%
High Risk
Portfolios		 All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)		 +6.91%
(+4.38%)
Bad : 1.3 / 5
Average : 2.8 / 5
Standard Deviation
over 25 Years		 9.69%
Good : 3.3 / 5
Good : 3.4 / 5
Maximum Drawdown
over 25 Years		 -33.93%
Good : 3.4 / 5
Average : 2.9 / 5
Easy to manage 7 ETFs
Bad : 2 / 5
Bad : 2 / 5
Rating assigned considering all the High Risk Portfolios Rating assigned considering all the Portfolios in the database

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Jul 2022 return refers to period 01-05 July 2022.
Last update: Jul 05 2022, 02:00PM Eastern Time.
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