Betterment Robo Advisor 20 Value Tilt Portfolio vs Bill Schultheis Coffeehouse Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - July 2025 (~41 years)
Consolidated Returns as of 31 July 2025
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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The minimum date range must be at least 12 months. 'Date To' cannot be beyond July 2025.
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Results
30 Years
(1995/08 - 2025/07)
All Data
(1985/01 - 2025/07)
Inflation Adjusted:
Betterment Robo Advisor 20 Value Tilt Portfolio
1.00$
Invested Capital
August 1995
4.47$
Final Capital
July 2025
5.12%
Yearly Return
4.13%
Std Deviation
-12.16%
Max Drawdown
35months
Recovery Period
1.00$
Invested Capital
August 1995
2.12$
Final Capital
July 2025
2.54%
Yearly Return
4.13%
Std Deviation
-20.01%
Max Drawdown
55months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
13.59$
Final Capital
July 2025
6.64%
Yearly Return
4.44%
Std Deviation
-12.16%
Max Drawdown
35months
Recovery Period
1.00$
Invested Capital
January 1985
4.46$
Final Capital
July 2025
3.75%
Yearly Return
4.44%
Std Deviation
-20.01%
Max Drawdown
55months*
Recovery Period
* in progress
Bill Schultheis Coffeehouse Portfolio
1.00$
Invested Capital
August 1995
8.80$
Final Capital
July 2025
7.52%
Yearly Return
9.82%
Std Deviation
-33.93%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
August 1995
4.18$
Final Capital
July 2025
4.88%
Yearly Return
9.82%
Std Deviation
-35.02%
Max Drawdown
38months
Recovery Period
1.00$
Invested Capital
January 1985
32.55$
Final Capital
July 2025
8.96%
Yearly Return
9.62%
Std Deviation
-33.93%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
January 1985
10.68$
Final Capital
July 2025
6.01%
Yearly Return
9.62%
Std Deviation
-35.02%
Max Drawdown
38months
Recovery Period

As of July 2025, in the previous 30 Years, the Betterment Robo Advisor 20 Value Tilt Portfolio obtained a 5.12% compound annual return, with a 4.13% standard deviation. It suffered a maximum drawdown of -12.16% that required 35 months to be recovered.

As of July 2025, in the previous 30 Years, the Bill Schultheis Coffeehouse Portfolio obtained a 7.52% compound annual return, with a 9.82% standard deviation. It suffered a maximum drawdown of -33.93% that required 36 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.

Weight
(%)
Ticker Name
6.30
VTI
Vanguard Total Stock Market
5.60
EFA
iShares MSCI EAFE
3.70
EEM
iShares MSCI Emerging Markets
1.70
VTV
Vanguard Value
1.40
VOE
Vanguard Mid-Cap Value
1.20
IJS
iShares S&P Small-Cap 600 Value
42.80
SHY
iShares 1-3 Year Treasury Bond
10.70
BSV
Vanguard Short-Term Bond
9.80
BNDX
Vanguard Total International Bond
7.60
BND
Vanguard Total Bond Market
5.90
EMB
iShares JP Morgan USD Em Mkts Bd
3.30
TIP
iShares TIPS Bond
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
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Portfolio Returns as of Jul 31, 2025

Returns are calculated in USD, assuming:
  • no fees or capital gain taxes.
  • rebalancing: at every Jan 1st.
  • dividend reinvestment, when applicable.
Return Comparison
Capital Growth
30 Years
(1995/08 - 2025/07)
All Data
(1985/01 - 2025/07)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 20 Value Tilt
Betterment
1 $ 4.47 $ 346.88% 5.12%
Bill Schultheis Coffeehouse
Bill Schultheis
1 $ 8.80 $ 780.30% 7.52%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 20 Value Tilt
Betterment
1 $ 2.12 $ 112.06% 2.54%
Bill Schultheis Coffeehouse
Bill Schultheis
1 $ 4.18 $ 317.72% 4.88%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 20 Value Tilt
Betterment
1 $ 13.59 $ 1 258.73% 6.64%
Bill Schultheis Coffeehouse
Bill Schultheis
1 $ 32.55 $ 3 154.77% 8.96%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 20 Value Tilt
Betterment
1 $ 4.46 $ 345.75% 3.75%
Bill Schultheis Coffeehouse
Bill Schultheis
1 $ 10.68 $ 967.78% 6.01%

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Return (%) as of Jul 31, 2025
YTD
(7M)
1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_betterment.webp Robo Advisor 20 Value Tilt
Betterment
4.75 0.04 3.62 6.10 2.91 3.29 5.12 6.64
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_bill_schultheis.webp Coffeehouse
Bill Schultheis
3.91 0.26 1.94 4.54 6.39 6.04 7.52 8.96
Returns over 1 year are annualized.
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Portfolio Metrics as of Jul 31, 2025

The following metrics, updated as of 31 July 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 August 2024 - 31 July 2025 (1 year)
Period: 1 August 2020 - 31 July 2025 (5 years)
Period: 1 August 2015 - 31 July 2025 (10 years)
Period: 1 August 1995 - 31 July 2025 (30 years)
Period: 1 January 1985 - 31 July 2025 (~41 years)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2025/07)
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Robo Advisor 20 Value Tilt Coffeehouse
Author Betterment Bill Schultheis
ASSET ALLOCATION
Stocks 19.9% 60%
Fixed Income 80.1% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.10 4.54
Infl. Adjusted (%) 3.44 1.92
DRAWDOWN
Deepest Drawdown Depth (%) -1.38 -5.44
Start to Recovery (months) 5 8*
Longest Drawdown Depth (%) -1.38 -5.44
Start to Recovery (months) 5 8*
Longest Negative Period (months) 4 9
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 3.24 8.24
Sharpe Ratio 0.48 0.00
Sortino Ratio 0.59 0.00
Ulcer Index 0.53 2.72
Ratio: Return / Standard Deviation 1.88 0.55
Ratio: Return / Deepest Drawdown 4.42 0.83
Metrics calculated over the period 1 August 2024 - 31 July 2025
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Robo Advisor 20 Value Tilt Coffeehouse
Author Betterment Bill Schultheis
ASSET ALLOCATION
Stocks 19.9% 60%
Fixed Income 80.1% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 2.91 6.39
Infl. Adjusted (%) -1.50 1.84
DRAWDOWN
Deepest Drawdown Depth (%) -12.16 -19.65
Start to Recovery (months) 35 31
Longest Drawdown Depth (%) -12.16 -19.65
Start to Recovery (months) 35 31
Longest Negative Period (months) 39 36
RISK INDICATORS
Standard Deviation (%) 5.13 11.69
Sharpe Ratio 0.03 0.31
Sortino Ratio 0.04 0.44
Ulcer Index 4.66 7.46
Ratio: Return / Standard Deviation 0.57 0.55
Ratio: Return / Deepest Drawdown 0.24 0.33
Metrics calculated over the period 1 August 2020 - 31 July 2025
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Robo Advisor 20 Value Tilt Coffeehouse
Author Betterment Bill Schultheis
ASSET ALLOCATION
Stocks 19.9% 60%
Fixed Income 80.1% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 3.29 6.04
Infl. Adjusted (%) 0.23 2.90
DRAWDOWN
Deepest Drawdown Depth (%) -12.16 -19.65
Start to Recovery (months) 35 31
Longest Drawdown Depth (%) -12.16 -19.65
Start to Recovery (months) 35 31
Longest Negative Period (months) 45 36
RISK INDICATORS
Standard Deviation (%) 4.35 10.66
Sharpe Ratio 0.33 0.39
Sortino Ratio 0.44 0.52
Ulcer Index 3.39 5.85
Ratio: Return / Standard Deviation 0.76 0.57
Ratio: Return / Deepest Drawdown 0.27 0.31
Metrics calculated over the period 1 August 2015 - 31 July 2025
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Robo Advisor 20 Value Tilt Coffeehouse
Author Betterment Bill Schultheis
ASSET ALLOCATION
Stocks 19.9% 60%
Fixed Income 80.1% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.12 7.52
Infl. Adjusted (%) 2.54 4.88
DRAWDOWN
Deepest Drawdown Depth (%) -12.16 -33.93
Start to Recovery (months) 35 36
Longest Drawdown Depth (%) -12.16 -33.93
Start to Recovery (months) 35 36
Longest Negative Period (months) 45 62
RISK INDICATORS
Standard Deviation (%) 4.13 9.82
Sharpe Ratio 0.69 0.53
Sortino Ratio 0.91 0.70
Ulcer Index 2.33 6.16
Ratio: Return / Standard Deviation 1.24 0.77
Ratio: Return / Deepest Drawdown 0.42 0.22
Metrics calculated over the period 1 August 1995 - 31 July 2025
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Robo Advisor 20 Value Tilt Coffeehouse
Author Betterment Bill Schultheis
ASSET ALLOCATION
Stocks 19.9% 60%
Fixed Income 80.1% 40%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.64 8.96
Infl. Adjusted (%) 3.75 6.01
DRAWDOWN
Deepest Drawdown Depth (%) -12.16 -33.93
Start to Recovery (months) 35 36
Longest Drawdown Depth (%) -12.16 -33.93
Start to Recovery (months) 35 36
Longest Negative Period (months) 45 62
RISK INDICATORS
Standard Deviation (%) 4.44 9.62
Sharpe Ratio 0.78 0.60
Sortino Ratio 1.07 0.78
Ulcer Index 2.14 5.58
Ratio: Return / Standard Deviation 1.49 0.93
Ratio: Return / Deepest Drawdown 0.55 0.26
Metrics calculated over the period 1 January 1985 - 31 July 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 August 1995 - 31 July 2025 (30 years)
Period: 1 January 1985 - 31 July 2025 (~41 years)
30 Years
(1995/08 - 2025/07)

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Robo Advisor 20 Value Tilt Coffeehouse
Drawdown
(%)
Recovery
(#Months)
From
To
Drawdown
(%)
Recovery
(#Months)
From
To
-33.93 36 Nov 2007
Oct 2010
-19.65 31 Jan 2022
Jul 2024
-15.36 11 Jan 2020
Nov 2020
-12.16 35 Sep 2021
Jul 2024
-11.30 14 May 2002
Jun 2003
-10.79 8 May 1998
Dec 1998
-10.66 9 May 2011
Jan 2012
-9.97 15 May 2008
Jul 2009
-9.00 8 Sep 2018
Apr 2019
-6.90 14 Feb 2001
Mar 2002
-5.61 13 Apr 2015
Apr 2016
-5.44 8* Dec 2024
In progress
-4.38 5 Feb 2020
Jun 2020
-4.24 5 Jun 2007
Oct 2007
-4.07 6 May 1998
Oct 1998

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Robo Advisor 20 Value Tilt Coffeehouse
Drawdown
(%)
Recovery
(#Months)
From
To
Drawdown
(%)
Recovery
(#Months)
From
To
-33.93 36 Nov 2007
Oct 2010
-19.65 31 Jan 2022
Jul 2024
-15.68 14 Sep 1987
Oct 1988
-15.36 11 Jan 2020
Nov 2020
-12.16 35 Sep 2021
Jul 2024
-11.30 14 May 2002
Jun 2003
-10.79 8 May 1998
Dec 1998
-10.73 14 Jan 1990
Feb 1991
-10.66 9 May 2011
Jan 2012
-9.97 15 May 2008
Jul 2009
-9.00 8 Sep 2018
Apr 2019
-6.90 14 Feb 2001
Mar 2002
-5.85 14 Feb 1994
Mar 1995
-5.61 13 Apr 2015
Apr 2016
-5.44 8* Dec 2024
In progress

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 1985 - 31 July 2025 (~41 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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Robo Advisor 20 Value Tilt Coffeehouse
Year Return
(%)
Drawdown
(%)
Return
(%)
Drawdown
(%)
2025
4.75 -0.38 3.91 -3.35
2024
5.41 -1.48 7.31 -4.27
2023
7.68 -3.04 11.65 -9.20
2022
-9.10 -11.83 -14.38 -19.65
2021
2.61 -1.26 15.24 -2.68
2020
6.01 -4.38 7.45 -15.36
2019
9.57 -0.68 18.99 -3.17
2018
-1.42 -2.14 -5.19 -9.00
2017
6.24 0.00 11.02 -0.14
2016
4.01 -1.37 11.04 -2.64
2015
-0.31 -2.69 -0.91 -5.61
2014
2.92 -1.13 8.90 -2.75
2013
3.86 -2.19 15.45 -2.56
2012
6.18 -1.76 11.51 -3.93
2011
1.94 -3.26 2.80 -10.66
2010
6.55 -1.59 14.67 -7.05
2009
10.31 -5.34 17.77 -15.43
2008
-4.00 -8.67 -18.65 -23.09
2007
7.51 -0.09 2.67 -4.24
2006
7.81 -1.09 15.13 -2.29
2005
5.11 -1.09 6.39 -2.22
2004
6.10 -2.28 13.96 -4.05
2003
12.15 -0.49 23.09 -2.53
2002
3.70 -2.38 -4.97 -11.30
2001
5.73 -1.48 2.01 -6.90
2000
6.02 -1.47 7.25 -3.83
1999
8.74 -1.36 8.30 -3.23
1998
7.78 -4.07 7.16 -10.79
1997
7.86 -1.41 17.88 -2.22
1996
8.41 -0.87 13.71 -2.62
1995
16.25 0.00 22.24 -1.06
1994
-2.09 -4.47 -0.93 -5.85
1993
14.56 -1.13 15.63 -2.89
1992
6.45 -1.46 9.77 -1.73
1991
19.85 -1.32 24.84 -2.96
1990
4.63 -4.18 -5.30 -10.73
1989
16.78 -0.08 17.31 -1.45
1988
10.19 -0.87 15.77 -1.69
1987
2.79 -4.85 2.99 -15.68
1986
15.37 -2.01 20.45 -3.64
1985
21.34 -0.68 29.40 -1.69
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