Bill Schultheis Coffeehouse Portfolio vs JL Collins Simple Path to Wealth Portfolio Portfolio Comparison

Simulation Settings
Period: January 1970 - April 2025 (~55 years)
Consolidated Returns as of 30 April 2025
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
All (since January 1970)
Inflation Adjusted:
Bill Schultheis Coffeehouse Portfolio
1.00$
Initial Capital
May 1995
8.96$
Final Capital
April 2025
7.58%
Yearly Return
9.83%
Std Deviation
-33.93%
Max Drawdown
36months
Recovery Period
1.00$
Initial Capital
May 1995
4.25$
Final Capital
April 2025
4.94%
Yearly Return
9.83%
Std Deviation
-35.02%
Max Drawdown
38months
Recovery Period
1.00$
Initial Capital
January 1970
153.58$
Final Capital
April 2025
9.52%
Yearly Return
9.98%
Std Deviation
-33.93%
Max Drawdown
36months
Recovery Period
1.00$
Initial Capital
January 1970
18.11$
Final Capital
April 2025
5.37%
Yearly Return
9.98%
Std Deviation
-35.86%
Max Drawdown
69months
Recovery Period
JL Collins Simple Path to Wealth Portfolio
1.00$
Initial Capital
May 1995
13.44$
Final Capital
April 2025
9.05%
Yearly Return
11.83%
Std Deviation
-38.53%
Max Drawdown
38months
Recovery Period
1.00$
Initial Capital
May 1995
6.38$
Final Capital
April 2025
6.37%
Yearly Return
11.83%
Std Deviation
-39.55%
Max Drawdown
42months
Recovery Period
1.00$
Initial Capital
January 1970
183.15$
Final Capital
April 2025
9.87%
Yearly Return
12.13%
Std Deviation
-38.53%
Max Drawdown
38months
Recovery Period
1.00$
Initial Capital
January 1970
21.60$
Final Capital
April 2025
5.71%
Yearly Return
12.13%
Std Deviation
-45.02%
Max Drawdown
123months
Recovery Period

As of April 2025, in the previous 30 Years, the Bill Schultheis Coffeehouse Portfolio obtained a 7.58% compound annual return, with a 9.83% standard deviation. It suffered a maximum drawdown of -33.93% that required 36 months to be recovered.

As of April 2025, in the previous 30 Years, the JL Collins Simple Path to Wealth Portfolio obtained a 9.05% compound annual return, with a 11.83% standard deviation. It suffered a maximum drawdown of -38.53% that required 38 months to be recovered.

Disclaimer: The simulations on this website are provided in good faith but should NOT be taken as investment advice. We are not liable for any errors or actions based on this information. The authors of the website are not affiliated with the portfolio creators, who are the sole owners of their intellectual property. The translation of asset allocations into ETFs is based on the interpretation of LazyPortfolioETF.com and may not exactly reflect the original intent of the portfolio creators. Content is for informational, educational, illustrative, and entertainment purposes only.
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Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Bill Schultheis Coffeehouse Portfolio
Weight
(%)		 Ticker Name
10.00
IJR
iShares Core S&P Small-Cap
10.00
IJS
iShares S&P Small-Cap 600 Value
10.00
VTV
Vanguard Value
10.00
VEU
Vanguard FTSE All-World ex-US
10.00
VNQ
Vanguard Real Estate
10.00
VV
Vanguard Large-Cap
40.00
BND
Vanguard Total Bond Market
JL Collins Simple Path to Wealth Portfolio
Weight
(%)		 Ticker Name
75.00
VTI
Vanguard Total Stock Market
25.00
BND
Vanguard Total Bond Market
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Portfolio Returns as of Apr 30, 2025

Returns are calculated in USD, assuming:
  • no fees or capital gain taxes.
  • rebalancing: at every Jan 1st.
  • dividend reinvestment, when applicable.
RETURN COMPARISON
Period: 1 January 1970 - 30 April 2025 (~55 years)
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Return (%) as of Apr 30, 2025
YTD
(4M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~55Y)
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_bill_schultheis.webp Coffeehouse
Bill Schultheis 		-1.23 -1.14 -1.42 7.90 6.74 5.45 7.58 9.52
//www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_jl_collins.webp Simple Path to Wealth
JL Collins 		-3.35 -0.44 -0.89 10.80 11.15 9.22 9.05 9.87
Return over 1 year are annualized.
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Capital Growth as of Apr 30, 2025

Bill Schultheis Coffeehouse Portfolio: an investment of 1$, since May 1995, now would be worth 8.96$, with a total return of 795.73% (7.58% annualized).

JL Collins Simple Path to Wealth Portfolio: an investment of 1$, since May 1995, now would be worth 13.44$, with a total return of 1243.70% (9.05% annualized).


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Bill Schultheis Coffeehouse Portfolio: an investment of 1$, since January 1970, now would be worth 153.58$, with a total return of 15257.60% (9.52% annualized).

JL Collins Simple Path to Wealth Portfolio: an investment of 1$, since January 1970, now would be worth 183.15$, with a total return of 18214.99% (9.87% annualized).


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Portfolio Metrics as of Apr 30, 2025

The following metrics, updated as of 30 April 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 May 2024 - 30 April 2025 (1 year)
Period: 1 May 2020 - 30 April 2025 (5 years)
Period: 1 May 2015 - 30 April 2025 (10 years)
Period: 1 May 1995 - 30 April 2025 (30 years)
Period: 1 January 1970 - 30 April 2025 (~55 years)
Swipe left to see all data
Coffeehouse Simple Path to Wealth
Author Bill Schultheis JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.90 10.80
Infl. Adjusted Return (%) 5.71 8.55
DRAWDOWN
Deepest Drawdown Depth (%) -5.44 -6.01
Start to Recovery (months) 5* 5*
Longest Drawdown Depth (%) -5.44 -6.01
Start to Recovery (months) 5* 5*
Longest Negative Period (months) 9* 8*
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 9.25 9.45
Sharpe Ratio 0.34 0.63
Sortino Ratio 0.46 0.85
Ulcer Index 2.53 2.45
Ratio: Return / Standard Deviation 0.85 1.14
Ratio: Return / Deepest Drawdown 1.45 1.80
Metrics calculated over the period 1 May 2024 - 30 April 2025
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Coffeehouse Simple Path to Wealth
Author Bill Schultheis JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.74 11.15
Infl. Adjusted Return (%) 2.11 6.33
DRAWDOWN
Deepest Drawdown Depth (%) -19.65 -22.24
Start to Recovery (months) 31 25
Longest Drawdown Depth (%) -19.65 -22.24
Start to Recovery (months) 31 25
Longest Negative Period (months) 36 31
RISK INDICATORS
Standard Deviation (%) 11.71 13.32
Sharpe Ratio 0.36 0.65
Sortino Ratio 0.50 0.87
Ulcer Index 7.45 8.02
Ratio: Return / Standard Deviation 0.58 0.84
Ratio: Return / Deepest Drawdown 0.34 0.50
Metrics calculated over the period 1 May 2020 - 30 April 2025
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Coffeehouse Simple Path to Wealth
Author Bill Schultheis JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.45 9.22
Infl. Adjusted Return (%) 2.31 5.97
DRAWDOWN
Deepest Drawdown Depth (%) -19.65 -22.24
Start to Recovery (months) 31 25
Longest Drawdown Depth (%) -19.65 -22.24
Start to Recovery (months) 31 25
Longest Negative Period (months) 36 31
RISK INDICATORS
Standard Deviation (%) 10.64 12.39
Sharpe Ratio 0.35 0.60
Sortino Ratio 0.47 0.80
Ulcer Index 5.86 6.22
Ratio: Return / Standard Deviation 0.51 0.74
Ratio: Return / Deepest Drawdown 0.28 0.41
Metrics calculated over the period 1 May 2015 - 30 April 2025
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Coffeehouse Simple Path to Wealth
Author Bill Schultheis JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.58 9.05
Infl. Adjusted Return (%) 4.94 6.37
DRAWDOWN
Deepest Drawdown Depth (%) -33.93 -38.53
Start to Recovery (months) 36 38
Longest Drawdown Depth (%) -33.93 -30.50
Start to Recovery (months) 36 52
Longest Negative Period (months) 62 122
RISK INDICATORS
Standard Deviation (%) 9.83 11.83
Sharpe Ratio 0.54 0.57
Sortino Ratio 0.70 0.75
Ulcer Index 6.16 9.48
Ratio: Return / Standard Deviation 0.77 0.76
Ratio: Return / Deepest Drawdown 0.22 0.23
Metrics calculated over the period 1 May 1995 - 30 April 2025
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Coffeehouse Simple Path to Wealth
Author Bill Schultheis JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.52 9.87
Infl. Adjusted Return (%) 5.37 5.71
DRAWDOWN
Deepest Drawdown Depth (%) -33.93 -38.53
Start to Recovery (months) 36 38
Longest Drawdown Depth (%) -33.93 -30.50
Start to Recovery (months) 36 52
Longest Negative Period (months) 62 122
RISK INDICATORS
Standard Deviation (%) 9.98 12.13
Sharpe Ratio 0.51 0.45
Sortino Ratio 0.68 0.60
Ulcer Index 5.55 8.48
Ratio: Return / Standard Deviation 0.95 0.81
Ratio: Return / Deepest Drawdown 0.28 0.26
Metrics calculated over the period 1 January 1970 - 30 April 2025
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Drawdowns

A drawdown refers to the decline in value from a relative peak value to a relative trough. A maximum drawdown is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained.

DRAWDOWN COMPARISON
Period: 1 May 1995 - 30 April 2025 (30 years)
Period: 1 January 1970 - 30 April 2025 (~55 years)

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Coffeehouse Simple Path to Wealth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-38.53 38 Nov 2007
Dec 2010
-33.93 36 Nov 2007
Oct 2010
-30.50 52 Sep 2000
Dec 2004
-22.24 25 Jan 2022
Jan 2024
-19.65 31 Jan 2022
Jul 2024
-15.46 6 Feb 2020
Jul 2020
-15.36 11 Jan 2020
Nov 2020
-13.02 5 Jul 1998
Nov 1998
-12.27 10 May 2011
Feb 2012
-11.30 14 May 2002
Jun 2003
-10.79 8 May 1998
Dec 1998
-10.66 9 May 2011
Jan 2012
-10.58 7 Oct 2018
Apr 2019
-9.00 8 Sep 2018
Apr 2019
-6.90 14 Feb 2001
Mar 2002

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Coffeehouse Simple Path to Wealth
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-38.53 38 Nov 2007
Dec 2010
-34.54 37 Jan 1973
Jan 1976
-33.93 36 Nov 2007
Oct 2010
-30.50 52 Sep 2000
Dec 2004
-23.45 31 Dec 1972
Jun 1975
-23.27 20 Sep 1987
Apr 1989
-22.24 25 Jan 2022
Jan 2024
-19.65 31 Jan 2022
Jul 2024
-15.68 14 Sep 1987
Oct 1988
-15.46 6 Feb 2020
Jul 2020
-15.36 11 Jan 2020
Nov 2020
-13.78 8 Apr 1970
Nov 1970
-13.02 5 Jul 1998
Nov 1998
-12.39 9 Mar 1970
Nov 1970
-12.27 10 May 2011
Feb 2012

Rolling Returns

By selecting the 'Rolling Period', the chart and data will update. To study a different date range, change the Simulation Settings.

You can explore the Rolling Returns for a single portfolio, or check the return differential, by switching on "Head To Head" toggle.

Rolling Returns Comparison
Annualized Rolling Returns Chart
Rolling Returns Chart - Inflation Adjusted
Time Period: 1 January 1970 - 30 April 2025 (~55 years)


Head To Head (Ptf 1 vs Ptf 2):
US Inflation Adjusted:

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Yearly Returns

For each year, the following table provides the return and intra-year drawdown. The highlighted returns represent the highest values for that specific year.

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Coffeehouse Simple Path to Wealth
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 -1.23 -3.35 -3.35 -5.64
2024
 7.31 -4.27 18.20 -3.90
2023
 11.65 -9.20 20.89 -8.12
2022
 -14.38 -19.65 -17.91 -22.24
2021
 15.24 -2.68 18.79 -3.72
2020
 7.45 -15.36 17.70 -15.46
2019
 18.99 -3.17 25.21 -4.59
2018
 -5.19 -9.00 -3.94 -10.58
2017
 11.02 -0.14 16.80 0.00
2016
 11.04 -2.64 10.25 -3.99
2015
 -0.91 -5.61 0.41 -6.60
2014
 8.90 -2.75 10.86 -1.99
2013
 15.45 -2.56 24.56 -2.57
2012
 11.51 -3.93 13.13 -4.80
2011
 2.80 -10.66 2.71 -12.27
2010
 14.67 -7.05 14.62 -9.46
2009
 17.77 -15.43 22.58 -13.96
2008
 -18.65 -23.09 -26.02 -28.15
2007
 2.67 -4.24 5.76 -3.89
2006
 15.13 -2.29 12.84 -2.48
2005
 6.39 -2.22 5.33 -3.14
2004
 13.96 -4.05 10.65 -2.89
2003
 23.09 -2.53 24.06 -2.85
2002
 -4.97 -11.30 -13.29 -18.79
2001
 2.01 -6.90 -6.12 -16.19
2000
 7.25 -3.83 -5.08 -11.10
1999
 8.30 -3.23 17.67 -4.79
1998
 7.16 -10.79 19.59 -13.02
1997
 17.88 -2.22 25.61 -3.67
1996
 13.71 -2.62 16.62 -4.42
1995
 22.24 -1.06 31.38 -0.57
1994
 -0.93 -5.85 -0.79 -6.83
1993
 15.63 -2.89 10.39 -1.89
1992
 9.77 -1.73 8.62 -1.93
1991
 24.84 -2.96 28.11 -3.49
1990
 -5.30 -10.73 -2.40 -11.23
1989
 17.31 -1.45 24.50 -1.72
1988
 15.77 -1.69 14.83 -2.69
1987
 2.99 -15.68 2.34 -23.27
1986
 20.45 -3.64 14.71 -6.46
1985
 29.40 -1.69 29.02 -3.12
1984
 10.29 -5.60 5.39 -7.49
1983
 19.62 -2.03 18.30 -2.99
1982
 25.69 -2.93 23.16 -6.05
1981
 5.31 -8.17 -0.76 -10.31
1980
 18.45 -10.32 25.59 -10.43
1979
 18.67 -8.08 19.52 -6.87
1978
 9.54 -8.29 6.63 -9.36
1977
 6.30 -2.07 -2.26 -6.16
1976
 26.24 -1.72 23.29 -1.55
1975
 26.63 -7.71 30.20 -9.59
1974
 -11.50 -18.00 -19.44 -25.55
1973
 -9.21 -10.07 -12.52 -13.38
1972
 11.19 -0.55 13.90 -1.83
1971
 13.35 -5.98 15.59 -6.04
1970
 7.28 -12.39 7.90 -13.78
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