Lazy Portfolios in 2020

The following table lists 2020 total returns for various examples of “lazy portfolios”. Some of the portfolios (Coffeehouse and Coward’s) are designed as 60/40 stock/bond portfolios. Other portfolios (Armstrong Ideal and Swensen) are designed as 70/30 stock/bond portfolios. The two-fund, three-fund, and four-fund portfolios are scaled to similar stock/bond allocations. Prior to 2018, returns are derived from … Read more

The Coffeehouse Portfolio-2020 update

The Coffeehouse portfolio is an indexed seven-fund portfolio popularized by financial planner and author Bill Schultheis. The portfolio holds the following asset classes: US large cap stocks US large value stocks US small cap stocks US small cap value stocks US REITS International stocks US total market bonds In 2020 the Coffeehouse portfolio produced the … Read more

Lazy Portfolios in 2019

The following table lists 2019 total returns for various examples of “lazy portfolios”. Some of the portfolios (Coffeehouse and Coward’s) are designed as 60/40 stock/bond portfolios. Other portfolios (Armstrong Ideal and Swensen) are designed as 70/30 stock/bond portfolios. The two-fund, three-fund, and four-fund portfolios are scaled to similar stock/bond allocations. Prior to 2018, returns are derived from … Read more

The Coffeehouse Portfolio-2019 update

The Coffeehouse portfolio is an indexed seven-fund portfolio popularized by financial planner and author Bill Schultheis. The portfolio holds the following asset classes: US large cap stocks US large value stocks US small cap stocks US small cap value stocks US REITS International stocks US total market bonds In 2019 the Coffeehouse portfolio produced the … Read more

Lazy Portfolios in 2018

assetallocationpiechartThe following table lists 2018 total returns for various examples of “lazy portfolios”.

Some of the portfolios (Coffeehouse and Coward’s) are designed as 60/40 stock/bond portfolios. Other portfolios (Armstrong Ideal and Swensen) are designed as 70/30 stock/bond portfolios. The two-fund, three-fund, and four-fund portfolios are scaled to similar stock/bond allocations. The returns are derived from investments in investor share class Vanguard index funds.

 2018 total return

Portfolio 60/40 70/30
Two-fund -5.85% -6.82%
Three-fund -4.78% -5.57%
Ferri Core four -4.98% -5.63%
Vanguard Core four -4.98% -5.95%
Coffeehouse -5.19%
Coward’s -5.01%
Armstrong Ideal -6.81%
Swensen -5.67%

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The Coffeehouse Portfolio- 2018 Update

BillschultheisThe Coffeehouse portfolio is an indexed seven-fund portfolio popularized by financial planner and author Bill Schultheis. The portfolio holds the following asset classes:

  • US large cap stocks
  • US large value stocks
  • US small cap stocks
  • US small cap value stocks
  • US REITS
  • International stocks
  • US total market bonds

In 2018 the Coffeehouse portfolio produced the following return.

Year Return
2018 -5.19%

The portfolio has a 60% equity/40% fixed income allocation and allocates a 10% slice to the six equity investments.
The Coffeehouse portfolio tilts the US stock allocation towards value stocks by devoting an equal allocation to large cap and small cap market index funds with large cap and small cap value index funds.
The portfolio uses a total international index fund for the international stock allocation, and a US total market bond index fund for bond allocations.
See the chart below (click image to enlarge).

Coffeehouseportfolio (2)
Coffeehouse 60/40 allocation

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Lazy Portfolios in 2017

assetallocationpiechartThe following table lists 2017 total returns for various examples of “lazy portfolios”.

Some of the portfolios (Coffeehouse and Coward’s) are designed as  60/40 stock/bond portfolios. Other portfolios (Armstrong Ideal and Swensen) are designed as 70/30 stock/bond portfolios.  The two-fund, three-fund, and four-fund portfolios are scaled to similar stock/bond allocations. The returns are derived from investments in investor share class Vanguard index funds.

 2017 total return

Portfolio 60/40 70/30
Two-fund 15.82% 17.88%
Three-fund 15.15% 17.10%
Ferri Core four 14.18% 15.97%
Vanguard Core four 15.41% 17.46%
Coffeehouse 14.42%
Coward’s 11.76%
Armstrong Ideal 14.58%
Swensen 13.44%

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The Coffeehouse Portfolio- 2017 Update

Billschultheis

The Coffeehouse portfolio is an indexed seven-fund portfolio popularized by financial planner and author Bill Schultheis. The portfolio holds the following asset classes:

  • US large cap stocks
  • US large value stocks
  • US small cap stocks
  • US small cap value stocks
  • US REITS
  • International stocks
  • US total market bonds

In 2017 the Coffeehouse portfolio produced the following return.

Year Return
2017 11.25%

The portfolio has a 60% equity/40% fixed income allocation and allocates a 10% slice to the six equity investments.

The Coffeehouse portfolio tilts the US stock allocation towards value stocks by devoting an equal allocation to large cap and small cap market index funds with large cap and small cap value index funds.

The portfolio uses a total international index fund for the international stock allocation, and a US total market bond index fund for bond allocations. See the chart below.

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Lazy Portfolios in 2016

assetallocationpiechartThe following table lists 2016 total returns for various examples of “lazy portfolios”.

Some of the portfolios (Coffeehouse and Coward’s) are designed as  60/40 stock/bond portfolios. Other portfolios (Armstrong Ideal and Swensen) are designed as 70/30 stock/bond portfolios.  The two-fund, three-fund, and four-fund portfolios are scaled to similar stock/bond allocations. The returns are derived from investments in investor share class Vanguard index funds.¹ Lower cost admiral share class funds would add approximately +0.10% to returns. Detailed descriptions of each portfolio’s annual returns are linked.

 2016 total return

Portfolio 60/40 70/30
Two-fund 6.20% 6.80%
Three-fund 7.10% 7.87%
Ferri Core four 6.85% 7.57%
Vanguard Core four 6.89% 7.51%
Coffeehouse 9.44%
Coward’s 9.02%
Armstrong Ideal 7.76%
Swensen 7.38%

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Lazy Portfolios in 2015

assetallocationpiechart

The following table lists 2015 total returns for various examples of “lazy portfolios”.

Some of the portfolios (Coffeehouse and Coward’s) are designed as  60/40 stock/bond portfolios. Other portfolios (Ideal and Swensen) are designed as 70/30 stock/bond portfolios. The two-fund, three-fund, and four-fund portfolios are scaled to similar stock/bond allocations. The returns are derived from investments in  investor share class Vanguard index funds. Lower cost admiral share class funds would add approximately +0.10% to returns. Detailed descriptions of each portfolio’s annual returns are linked.

 2015 total return

Portfolio 60/40 70/30
Two-fund -1.09% -1.32%
Three-fund -0.79% -0.97%
Ferri Core four -0.43% -0.55%
Vanguard Core four -0.74% -0.95%
Coffeehouse -0.93%
Coward’s -0.82%
Ideal -1.55%
Swensen -0.34%

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