The Coffee House Lazy Portfolio ETF Version
Investment Model Portfolios

This plan uses ETFs instead of index funds for the plan The Coffee House Lazy Portfolio. Since many ETFs have short history, only recent history is meaningful here.

Here is the description of the plan:

Bill Schultheis's "Coffeehouse" portfolio is a 7-fund portfolio popularized by Bill Shultheis' book. This portfolio is a moderate risk portfolio with 40% in an intermediate bond fund and in equal weight 10% in 5 risk stock asset classes. 

 Large Blend 10% 

 Large Value 10% 

 Small Blend 10% 

 Small Value 10% 

 Total International 10% 

 REIT 10% 

 Intermediate Term Bond Index 40% 

More information can be found in The Coffeehouse Investor. Paul Farrell at MarketWatch.com also maintained this portfolio on his lazy portfolio page. 

The original The Coffee House Lazy Portfolio ETFs should be compared with the moderate model portfolios in this plan.

 

Plan investment options

Total Available Funds: 7
Asset Class Ticker Description Rating Expense
REAL ESTATE
REAL ESTATE VNQ Vanguard REIT Index ETF 0.12%
INTERNATIONAL EQUITY
Foreign Large Blend VEU Vanguard FTSE All-World ex-US ETF 0.08%
US EQUITY
LARGE VALUE VTV Vanguard Value ETF 0.05%
SMALL VALUE VBR Vanguard Small Cap Value ETF 0.06%
LARGE BLEND VTI Vanguard Total Stock Market ETF 0.03%
SMALL BLEND VB Vanguard Small Cap ETF 0.03%
FIXED INCOME
Intermediate-Term Bond BND Vanguard Total Bond Market ETF 0.15%
Average Expense Ratio: 0.07%

The following is a moderate-risk model portfolio constructed from the investment options of The Coffee House Lazy Portfolio ETF Version.

This portfolio is proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation. We offer customization features, allowing subscribers to tailor the portfolio to align with their own risk tolerance and return expectations by changing risk profile parameter.

Our model portfolio is rooted in the MyPlanIQ Asset Allocation Composite (AAC) strategy. This dynamic (tactical) asset allocation and quantitative fund selection algorithm prioritize risk management by dynamically adjusting stock allocations based on prevailing asset momentum. Extensive research has shown that this momentum-based tactical approach can potentially reduce temporary losses while maintaining or outperforming traditional buy-and-hold strategies.

Both historical back test and real-time portfolio return and risk data are shown in the table on this page. These metrics are compared with stock and moderate allocation index funds.

Furthermore, subscribers have the option to explore alternative strategies such as Strategic Asset Allocation Optimal (SAA) and Tactical Asset Allocation (TAA) to further customize their model portfolio. See our investment methodology for more details on the investment strategies


Click here for more plan details and features ►


Puzzled on what to invest?

  • We ask a few questions to decide your personal return and risk expectations
  • We build a custom portfolio for your plan (401(k), 403(b), 529 ...) or for a  brokerage account
  • We monitor and send timely rebalance emails on what investment funds to buy and sell
Get Started