{"id":20496,"date":"2020-01-28T12:44:45","date_gmt":"2020-01-28T12:44:45","guid":{"rendered":"https:\/\/traders-paradise.com\/magazine\/?p=20496"},"modified":"2020-01-28T12:44:45","modified_gmt":"2020-01-28T12:44:45","slug":"coffeehouse-portfolio-lazy-portfolio","status":"publish","type":"post","link":"https:\/\/traders-paradise.com\/magazine\/2020\/01\/coffeehouse-portfolio-lazy-portfolio\/","title":{"rendered":"Coffeehouse Portfolio The Lazy Portfolio"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/traders-paradise.com\/magazine\/2020\/01\/coffeehouse-portfolio-lazy-portfolio\/#This_is_another_in_a_series_of_lazy_portfolios_and_one_of_the_most_popular_There_is_no_single_%E2%80%9Ccoffeehouse_portfolio%E2%80%9D_and_an_investor_can_adjust_the_basic_version_to_own_needs_and_investing_goals\" >This is another in a series of lazy portfolios and one of the most popular. There is no single \u201ccoffeehouse portfolio\u201d and an investor can adjust the basic version to own needs and investing goals.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/traders-paradise.com\/magazine\/2020\/01\/coffeehouse-portfolio-lazy-portfolio\/#How_to_structure_Coffeehouse_portfolio\" >How to structure Coffeehouse portfolio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/traders-paradise.com\/magazine\/2020\/01\/coffeehouse-portfolio-lazy-portfolio\/#Roll_the_dice\" >Roll the dice<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/traders-paradise.com\/magazine\/2020\/01\/coffeehouse-portfolio-lazy-portfolio\/#Modifications_of_this_lazy_portfolio\" >Modifications of this lazy portfolio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/traders-paradise.com\/magazine\/2020\/01\/coffeehouse-portfolio-lazy-portfolio\/#How_to_adjust_the_Coffeehouse_portfolio\" >How to adjust the Coffeehouse portfolio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/traders-paradise.com\/magazine\/2020\/01\/coffeehouse-portfolio-lazy-portfolio\/#Why_not_invest_in_the_Coffeehouse_portfolio\" >Why not invest in the Coffeehouse portfolio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/traders-paradise.com\/magazine\/2020\/01\/coffeehouse-portfolio-lazy-portfolio\/#Why_invest_in_this_portfolio\" >Why invest in this portfolio<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/traders-paradise.com\/magazine\/2020\/01\/coffeehouse-portfolio-lazy-portfolio\/#Bottom_line\" >Bottom line<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h4><span class=\"ez-toc-section\" id=\"This_is_another_in_a_series_of_lazy_portfolios_and_one_of_the_most_popular_There_is_no_single_%E2%80%9Ccoffeehouse_portfolio%E2%80%9D_and_an_investor_can_adjust_the_basic_version_to_own_needs_and_investing_goals\"><\/span><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-20497 size-full\" src=\"https:\/\/traders-paradise.com\/magazine\/wp-content\/uploads\/2020\/01\/Coffeehouse-t-1.jpg\" alt=\"Coffeehouse Portfolio The Lazy Portfolio\" width=\"800\" height=\"495\" srcset=\"https:\/\/traders-paradise.com\/magazine\/wp-content\/uploads\/2020\/01\/Coffeehouse-t-1.jpg 800w, https:\/\/traders-paradise.com\/magazine\/wp-content\/uploads\/2020\/01\/Coffeehouse-t-1-300x186.jpg 300w, https:\/\/traders-paradise.com\/magazine\/wp-content\/uploads\/2020\/01\/Coffeehouse-t-1-768x475.jpg 768w, https:\/\/traders-paradise.com\/magazine\/wp-content\/uploads\/2020\/01\/Coffeehouse-t-1-370x229.jpg 370w, https:\/\/traders-paradise.com\/magazine\/wp-content\/uploads\/2020\/01\/Coffeehouse-t-1-760x470.jpg 760w, https:\/\/traders-paradise.com\/magazine\/wp-content\/uploads\/2020\/01\/Coffeehouse-t-1-424x262.jpg 424w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><br \/>\n<strong>This is another in a series of lazy portfolios and one of the most popular. There is no single \u201ccoffeehouse portfolio\u201d and an investor can adjust the basic version to own needs and investing goals.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">This <\/span><a href=\"https:\/\/traders-paradise.com\/magazine\/2020\/01\/lazy-portfolio-make-wealth-with-minimum-engagement\/\"><span style=\"font-weight: 400;\">lazy<\/span><\/a><span style=\"font-weight: 400;\"> portfolio, Coffeehouse portfolio, that financial advisor <\/span><a href=\"https:\/\/www.coffeehouseinvestor.com\/\"><span style=\"font-weight: 400;\">Bill Schultheis<\/span><\/a><span style=\"font-weight: 400;\"> made famous in his book &#8220;The Coffeehouse Investor&#8221; is so simple.<br \/>\n<\/span><span style=\"font-weight: 400;\">The Coffeehouse portfolio is built of 7 funds. The basic version starts with the composition of 60\/40 stock\/bonds. The fixed income part is put into a bond fund (you have to choose). <\/span><span style=\"font-weight: 400;\">The 60% in stocks is divided equally between six index funds. That index funds are a large-cap value fund, a small-cap fund,\u00a0 a small-cap value fund, a foreign fund, a REIT fund, and a large-cap fund.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cInvesting should be dull,\u201d said Nobel economist Paul Samuelson. Yes, some would say the same. But we have to be honest. This kind of portfolio maybe isn&#8217;t suitable for some Millennials experienced in investing. The Coffeehouse portfolio is too much dull. On the other hand, it is good. All you have to do is to set it up and live your lives.<\/span><\/p>\n<p><a href=\"https:\/\/traders-paradise.com\/magazine\/courses\/trading-investing-course-secrets-revealed\/\"><span style=\"font-weight: 400;\">And this discovery is amazing.<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can hear investors saying the same thing again and again: You need some simple but well-diversified portfolio. You don&#8217;t need more than several funds (4, 5, 9 whatever), but pay attention, as you are a novice, they have to be low-cost and able to create winners during both bear and bull <\/span><a href=\"https:\/\/traders-paradise.com\/magazine\/2019\/03\/financial-markets\/\"><span style=\"font-weight: 400;\">markets<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That&#8217;s the point with lazy portfolios. There is no active trading, no market timing, and of course, no commissions. Moreover, they are simple. Well, someone may ask what happens with assets absent from such a portfolio. Forget it! You don&#8217;t care!<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_to_structure_Coffeehouse_portfolio\"><\/span><b>How to structure Coffeehouse portfolio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It is quite simple, as we said and here is one example:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">10% Vanguard 500 Index<br \/>\n<\/span><span style=\"font-weight: 400;\">10% Vanguard Value Index<br \/>\n<\/span><span style=\"font-weight: 400;\">10% Vanguard Small-Cap Index<br \/>\n<\/span><span style=\"font-weight: 400;\">10% Vanguard Small-Cap Value Index<br \/>\n<\/span><span style=\"font-weight: 400;\">10% Vanguard REIT Index<br \/>\n<\/span><span style=\"font-weight: 400;\">10% Vanguard Total International Index<br \/>\n<\/span><span style=\"font-weight: 400;\">40% Vanguard Total Bond Market Index<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Or<\/span><\/p>\n<p><span style=\"font-weight: 400;\">10% Large-Cap Stocks<br \/>\n<\/span><span style=\"font-weight: 400;\">10% Small-Cap Stocks<br \/>\n<\/span><span style=\"font-weight: 400;\">10% Large Value Stocks<br \/>\n<\/span><span style=\"font-weight: 400;\">10% Small Value Stocks<br \/>\n<\/span><span style=\"font-weight: 400;\">10% REITs<br \/>\n<\/span><span style=\"font-weight: 400;\">10% Total International Stocks<br \/>\n<\/span><span style=\"font-weight: 400;\">40% Bonds<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As you can see in this portfolio, it is massive on the REITs, is slight on international stocks, and misses diversity on the fixed income side.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Roll_the_dice\"><\/span><b>Roll the dice<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Basically it is a \u201cslice and dice\u201d portfolio. So we can say it isn&#8217;t a \u201ctotal market\u201d example of the portfolio. A total-market portfolio consists of 1\/3 equal parts of a total bond market index, total stock market index, and total international stock market index. But this \u201cslice and dice\u201d portfolio seeks to benefit from the higher returns. There is a higher risk when investing in value stocks and small stocks.\u00a0 And, as you can see, this portfolio has a massive collection of both small, and value stocks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The 60% piece of the Coffeehouse portfolio represents 6 different funds that cover a different part of the market. That is a really good part of this portfolio since it is adding to the diversity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The rest of the 40% of the portfolio is a total bond fund that includes the whole of the bond market.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is recommended to rebalance the Coffeehouse portfolio every year. That secures that the asset allocation percentages are held at the accurate amounts. But it can be an individual decision for every investor, there are no rules what is the accurate amount.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Modifications_of_this_lazy_portfolio\"><\/span><b>Modifications of this lazy portfolio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As you can see this portfolio holds more bonds. It is more than some average investors would like to hold, especially if you are young. To make a comparison, the target-date funds, for instance, for Vanguard hold 10% bonds until investors are 45. We found some of the Trinity University studies and one shows that even investors in retirement should own 50\/50 portfolios or even more aggressive.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Honestly, the Coffeehouse portfolio favors small-cap and value stocks. And do it with reason. Historically they have had higher returns and which means higher volatility too. But you can tweak the portfolio.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_to_adjust_the_Coffeehouse_portfolio\"><\/span><b>How to adjust the Coffeehouse portfolio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">One method is to reduce your exposure to bonds (for example you could hold 10% of them) and split the rest of the portfolio equally into six funds. In this way, you&#8217;ll have a much more aggressive portfolio if you like that. But keep in mind, that is riskier at the same time and you must know how much risk you are able to handle.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_not_invest_in_the_Coffeehouse_portfolio\"><\/span><b>Why not invest in the Coffeehouse portfolio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Firstly, for some investors, this portfolio hasn&#8217;t enough international exposure. It holds only 10% of Total International Stocks. Secondly, the 40% bond allocation will reduce your returns, you can be sure. Also, rebalancing can be expensive. There are too many funds to set them up.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For young investors, it isn&#8217;t so easy to just buy and hold. What if the prices are going up and down frequently? How to stay calm and do nothing? That&#8217;s the tricky part of any lazy portfolio.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Also, as we said above, the Coffeehouse portfolio can be too conservative for some investors. Where has the excitement of investing gone? Yes, you can adjust the portfolio as we described but still. Hence, to be honest, the one size that suits all methods sometimes don&#8217;t work for everyone. Especially if you prefer to be a <\/span><a href=\"https:\/\/traders-paradise.com\/magazine\/2020\/01\/what-is-riskier-bonds-or-stocks\/\"><span style=\"font-weight: 400;\">more aggressive<\/span><\/a><span style=\"font-weight: 400;\"> investor.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_invest_in_this_portfolio\"><\/span><b>Why invest in this portfolio<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Allocation on the value stocks is an advantage. The value stocks have outperformed growth stocks for 20%, according to historical data. Also, since this portfolio holds 20% small-cap stocks, it is good because they have outperformed large caps. Historically speaking, of course. By being a lazy portfolio and holds 40% in bonds, the Coffeehouse portfolio is less risky.\u00a0<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span><b>Bottom line<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">A creator of this portfolio is Bill Schultheis. He wrote a book about dullness investing. He had found that when you simplify your investment decisions, you end up with better returns.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">His book &#8220;The Coffeehouse Investor&#8221; explains why investors should stop holding top-level stocks or mutual funds, and stop attempting to beat the stock market. Instead, keep stick to three clever principles:\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">1) There is no free lunch<br \/>\n<\/span><span style=\"font-weight: 400;\">2) <a href=\"https:\/\/traders-paradise.com\/magazine\/2020\/01\/diversification-is-important-to-your-investment-portfolio\/\">Never put all eggs in just one baske<\/a><\/span><span style=\"font-weight: 400;\">t<br \/>\n<\/span><span style=\"font-weight: 400;\">3) Save for rainy days<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sure, there is one more. Don&#8217;t pay too much attention to daily ups and downs in the stock market. It can ruin your life. But with investing in the principle buy-and-hold, with an annual rebalancing of your portfolio, it is more likely that you will build your wealth. There\u2019s nothing wrong with adjusting the CoffeeHouse portfolio. It\u2019s more important that you stick with your plan. The <\/span><a href=\"https:\/\/traders-paradise.com\/magazine\/2020\/01\/the-barbell-portfolio-strategy-of-a-balance\/\"><span style=\"font-weight: 400;\">weighting of your allocations<\/span><\/a><span style=\"font-weight: 400;\"> is less important but has to be reasonable. And a note for newbies, sometimes it is smarter to be a bit conservative especially in the stock market.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And here is a bit of statistics. Behavioral finance professors\u00a0 Brad Barber and Terry Odean discovered: \u201cThe more you trade the less you earn.\u201d Buy-and-hold investors are doing better than traders. <\/span><a href=\"https:\/\/traders-paradise.com\/magazine\/2019\/03\/trading-with-success-guide-for-beginners\/\"><span style=\"font-weight: 400;\">Active traders<\/span><\/a><span style=\"font-weight: 400;\"> can lose a lot of money paying transaction costs and taxes.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The truth is that active traders can turn their portfolios over for more than 250% per year, but their returns can be just like 11% after paying tax. Opposite, buy-and-hold investors can turn their portfolios over a bit around 2%, making around 18% returns.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Finally, this is just one of the numerous approaches to <\/span><a href=\"https:\/\/traders-paradise.com\/\"><span style=\"font-weight: 400;\">investing<\/span><\/a><span style=\"font-weight: 400;\">. You are the one who has to choose. It&#8217;s all up to you.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>This is another in a series of lazy portfolios and one of the most popular. There is no single \u201ccoffeehouse portfolio\u201d and an investor can adjust the basic version to own needs and investing goals. This lazy portfolio, Coffeehouse portfolio, that financial advisor Bill Schultheis made famous in his book &#8220;The Coffeehouse Investor&#8221; is so [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":20498,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1017,1012],"tags":[249,1578,1581,1580,113,995,1544,128,1579,104],"class_list":["post-20496","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-how-to-start-trading-beginners","category-traders-secrets","tag-asset-allocation","tag-bill-schultheis","tag-coffeehouse-investing","tag-coffeehouse-portfolio","tag-investing","tag-investment-portfolio","tag-lazy-portfolio","tag-portfolio","tag-the-coffeehouse-investor","tag-trading"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Coffeehouse Portfolio The Lazy Portfolio - Traders-Paradise<\/title>\n<meta name=\"description\" content=\"Coffeehouse portfolio, that financial advisor Bill Schultheis made famous in his book &quot;The Coffeehouse Investor&quot; is so simple. 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