The Coffee House Lazy Portfolio
Investment Model Portfolios

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 above model portfolio should be compared with the moderate model portfolios in this plan.

One can construct an ETF based plan that mostly uses mostly Vanguard ETFs.

Total Available Funds: 7
Asset Class Ticker Description
FIXED INCOME
Intermediate-Term Bond VBMFX Vanguard Total Bond Market Index Inv
US EQUITY
SMALL VALUE VISVX Vanguard Small Cap Value Index Inv
LARGE BLEND VFINX Vanguard 500 Index Investor
LARGE VALUE VIVAX Vanguard Value Index Inv
SMALL BLEND NAESX Vanguard Small Cap Index Inv
REAL ESTATE
REAL ESTATE VGSIX Vanguard REIT Index Inv
INTERNATIONAL EQUITY
Foreign Large Blend VGTSX Vanguard Total Intl Stock Index Inv

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

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


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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
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