Data Source: from January 1994 to December 2021

Last Update: 31 December 2021

The Charles Schwab Conservative Income Portfolio is exposed for 5% on the Stock Market.

It's a Low Risk portfolio and it can be replicated with 6 ETFs.

In the last 10 years, the portfolio obtained a 2.95% compound annual return, with a 2.83% standard deviation.

In the last 25 years, a 4.68% compound annual return, with a 3.22% standard deviation.

Asset Allocation and ETFs

The Charles Schwab Conservative Income Portfolio has the following asset allocation:

5% Stocks
95% Fixed Income
0% Commodities

The Charles Schwab Conservative Income Portfolio can be replicated with the following ETFs:

Weight Ticker ETF Name Investment Themes
5.00 % VNQ Vanguard Real Estate Real Estate, U.S.
40.00 % BND Vanguard Total Bond Market Bond, U.S., All-Term
25.00 % BIL SPDR Blmbg Barclays 1-3 Mth T-Bill Bond, U.S., Ultra Short-Term
18.00 % TIP iShares TIPS Bond Bond, U.S., All-Term
7.00 % HYG iShares iBoxx $ High Yield Corporate Bond Bond, U.S., Intermediate-Term
5.00 % BNDX Vanguard Total International Bond Bond, Developed Markets, All-Term
Most of Lazy Portfolios are made of common components (asset classes), very simple and well defined. For a more complete view, find out the most common ETFs you can use to build your portfolio.

Portfolio and ETF Returns

The Charles Schwab Conservative Income Portfolio guaranteed the following returns.

CHARLES SCHWAB CONSERVATIVE INCOME PORTFOLIO RETURNS (%)
Last Update: 31 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Charles Schwab Conservative Income Portfolio +0.69 +1.38 +1.73 +2.43 +5.39 +3.76 +2.95 +4.19 +4.68
--- Inflation Adjusted return +0.22 -0.82 -1.62 -4.39 +1.79 +0.81 +0.81 +1.83 +2.34
Components
VNQ
Vanguard Real Estate
+9.69 +15.03 +15.74 +40.52 +19.96 +11.22 +11.50 +10.89 +9.94
BND
Vanguard Total Bond Market
-0.31 -0.04 -0.08 -1.86 +4.78 +3.54 +2.75 +4.09 +4.73
BIL
SPDR Blmbg Barclays 1-3 Mth T-Bill
0.00 -0.03 -0.04 -0.10 +0.77 +0.95 +0.45 +1.12 +1.86
TIP
iShares TIPS Bond
+0.40 +2.39 +4.14 +5.67 +8.26 +5.18 +2.93 +5.18 +5.79
HYG
iShares iBoxx $ High Yield Corporate Bond
+2.28 +0.77 +1.12 +3.75 +7.34 +5.14 +5.23 +5.81 +5.51
BNDX
Vanguard Total International Bond
-0.74 -0.14 -0.17 -2.28 +3.32 +3.03 +3.80 +4.96 +5.22
(*) annualized
Portfolio returns are calculated assuming:
  • a rebalancing of the components at the beginning of each year (i.e. at every January 1st)
  • the reinvestment of dividends

Inflation is updated to Dec 2021. Current inflation (annualized) is 1Y: 7.12% , 3Y: 3.53% , 5Y: 2.92% , 10Y: 2.12% , 20Y: 2.31% , 25Y: 2.29%

In 2021, the portfolio granted a 2.26% dividend yield. If you are interested in getting periodic income, please refer to the Charles Schwab Conservative Income Portfolio: Dividend Yield page.

Historical Returns

Historical returns and stats of Charles Schwab Conservative Income Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

CHARLES SCHWAB CONSERVATIVE INCOME PORTFOLIO
Last Update: 31 December 2021
Swipe left to see all data
Period Return
Dec 2021
update
Return
Inflation
Adjusted
Standard
Deviation(*)
Max
Drawdown
Months
Pos - Neg
1M
Dec 2021
+0.69%
+0.22%
0.00%
1 - 0
3M
+1.38%
-0.82%
0.00%
3 - 0
6M
+1.73%
-1.62%
-0.97%
Sep 2021 - Sep 2021
5 - 1
YTD
+2.43%
-4.39%
2.37%
-1.40%
Jan 2021 - Mar 2021
8 - 4
67% pos
1Y
+2.43%
-4.39%
2.37%
-1.40%
Jan 2021 - Mar 2021
8 - 4
67% pos
3Y
+5.39%
annualized
+1.79%
annualized
3.22%
-2.57%
Mar 2020 - Mar 2020
27 - 9
75% pos
5Y
+3.76%
annualized
+0.81%
annualized
2.78%
-2.57%
Mar 2020 - Mar 2020
43 - 17
72% pos
10Y
+2.95%
annualized
+0.81%
annualized
2.83%
-4.32%
May 2013 - Aug 2013
81 - 39
68% pos
20Y
+4.19%
annualized
+1.83%
annualized
3.35%
-7.01%
May 2008 - Oct 2008
169 - 71
70% pos
25Y
+4.68%
annualized
+2.34%
annualized
3.22%
-7.01%
May 2008 - Oct 2008
216 - 84
72% pos
MAX
01 Jan 1994
+4.84%
annualized
+2.43%
annualized
3.28%
-7.01%
May 2008 - Oct 2008
241 - 95
72% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

Is the Charles Schwab Conservative Income Portfolio actually efficient, compared to other Lazy Portfolios?

Best Classic Portfolios, with Low Risk, ordered by 25 Years annualized return.

25 Years Stats
% Allocation
Portfolio Return Drawdown Stocks Bonds Comm.
High Yield Bonds Income
+6.94% -23.98% 0 100 0 Compare
All Country World 20/80
+6.13% -14.04% 20 80 0 Compare
Stocks/Bonds 20/80
+6.06% -8.42% 20 80 0 Compare
Vanguard LifeStrategy Income Fund
Vanguard
+5.87% -10.54% 20 80 0 Compare
US Inflation Protection
+5.79% -11.79% 0 100 0 Compare

See all portfolios

Our overall ratings, assigned to the Charles Schwab Conservative Income Portfolio. The portfolio is classified as Low Risk.

Very High Risk
Bond weight:
Less than 25%
High Risk
Bond weight:
25% - 49.99%
Medium Risk
Bond weight:
50% - 74.99%
Low Risk
Bond weight:
At least 75%
Low Risk
Portfolios
All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)
+4.68%
(+2.34%)
Average : 2.3 / 5
Bad : 1.4 / 5
Standard Deviation
over 25 Years
3.22%
Excellent : 4.6 / 5
Excellent : 5 / 5
Maximum Drawdown
over 25 Years
-7.01%
Excellent : 4.2 / 5
Excellent : 4.8 / 5
Easy to manage 6 ETFs
Average : 2.5 / 5
Average : 2.5 / 5
Rating assigned considering all the Low Risk Portfolios Rating assigned considering all the Portfolios in the database

Capital Growth

Time Range:

An investment of 1000$, since January 1997, now would be worth 3136.41$, with a total return of 213.64% (4.68% annualized).

The Inflation Adjusted Capital now would be 1780.93$, with a net total return of 78.09% (2.34% annualized).

Drawdowns

Time Range:

Worst drawdowns since January 1997 - Chart and Data

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-7.01% May 2008 Oct 2008 6 Jul 2009 9 15
-4.32% May 2013 Aug 2013 4 May 2014 9 13
-2.79% Apr 2004 Apr 2004 1 Aug 2004 4 5
-2.57% Mar 2020 Mar 2020 1 May 2020 2 3
-2.55% Aug 2016 Nov 2016 4 Aug 2017 9 13
-2.38% Feb 2015 Jun 2015 5 Mar 2016 9 14
-2.06% Jul 2003 Jul 2003 1 Sep 2003 2 3
-1.84% Jan 2018 Feb 2018 2 Aug 2018 6 8
-1.43% May 1999 Aug 1999 4 Feb 2000 6 10
-1.40% Jan 2021 Mar 2021 3 Jun 2021 3 6
-1.33% Feb 1999 Feb 1999 1 Apr 1999 2 3
-1.32% Sep 2018 Oct 2018 2 Jan 2019 3 5
-1.21% May 2007 Jun 2007 2 Aug 2007 2 4
-1.20% Sep 2014 Sep 2014 1 Nov 2014 2 3
-1.10% Sep 2005 Oct 2005 2 Dec 2005 2 4
-1.09% Nov 2010 Dec 2010 2 Apr 2011 4 6
-0.98% Oct 2002 Oct 2002 1 Dec 2002 2 3
-0.97% Sep 2021 Sep 2021 1 Dec 2021 3 4
-0.93% Aug 2020 Oct 2020 3 Nov 2020 1 4
-0.84% Nov 2001 Dec 2001 2 Feb 2002 2 4

Rolling Returns ( more details)

Charles Schwab Conservative Income Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+5.08% +15.82%
Jan 1995 - Dec 1995
-5.17%
Mar 2008 - Feb 2009
9.54%
2 Years
+5.05% +11.17%
Dec 1994 - Nov 1996
-0.07%
Mar 2007 - Feb 2009
0.32%
3 Years
+4.98% +10.10%
Dec 1994 - Nov 1997
+0.90%
Jan 2013 - Dec 2015
0.00%
5 Years
+4.85% +7.68%
Sep 1996 - Aug 2001
+1.19%
May 2013 - Apr 2018
0.00%
7 Years
+4.87% +8.08%
Nov 1994 - Oct 2001
+1.90%
Nov 2011 - Oct 2018
0.00%
10 Years
+4.89% +7.43%
Dec 1994 - Nov 2004
+2.95%
Jan 2012 - Dec 2021
0.00%
15 Years
+4.86% +6.47%
Dec 1994 - Nov 2009
+3.58%
Mar 2004 - Feb 2019
0.00%
20 Years
+4.86% +5.87%
Dec 1994 - Nov 2014
+4.10%
Nov 2001 - Oct 2021
0.00%

* Annualized rolling and average returns over full calendar month periods

If you need a deeper detail about rolling returns, please refer to the Charles Schwab Conservative Income Portfolio: Rolling Returns page.

Seasonality

Charles Schwab Conservative Income Portfolio Seasonality: in which months is it better to invest?

In the table below, the average monthly return is represented.

Below each return, it's also mentioned the probability of obtaining a positive monthly result (Win %).

Both the Average Return and the Gain Frequency are useful to get an idea of what happened in the past.

Swipe left to see all data
Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Win %
0.58
82%
0.12
71%
0.12
57%
0.55
79%
0.42
68%
0.33
71%
0.63
82%
0.57
79%
0.32
64%
0.17
68%
0.36
71%
0.60
68%
Best
Year
2.0
2015
1.7
1995
1.8
2009
2.4
2020
3.2
1995
1.8
2016
2.3
1997
1.9
2019
2.1
2003
1.9
1996
1.7
1996
4.9
2008
Worst
Year
-1.7
2009
-2.2
2009
-2.6
2020
-2.8
2004
-2.1
2013
-1.7
2013
-2.1
2003
-1.2
2013
-1.8
2008
-5.2
2008
-1.6
2016
-0.6
2006
Statistics calculated for the period Jan 1994 - Dec 2021

For further information about the seasonality, check the Asset Class Seasonality page.

Monthly/Yearly Returns

Charles Schwab Conservative Income Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
241 Positive Months (72%) - 95 Negative Months (28%)
Jan 1994 - Dec 2021
Swipe left to see all data
Yearly Return(%)
Monthly Return(%)
Year Total Infl.Adj Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
+2.43 -4.39 -0.4 -0.9 -0.2 1.1 0.3 0.7 1.3 0.0 -1.0 0.6 0.1 0.7
2020
+5.45 +4.09 1.3 0.5 -2.6 2.4 0.7 0.5 1.6 -0.2 -0.3 -0.4 1.4 0.5
2019
+8.37 +5.97 1.7 0.1 1.6 0.1 1.0 1.1 0.3 1.9 -0.3 0.2 0.0 0.2
2018
-0.17 -2.05 -0.9 -1.0 0.7 -0.3 0.5 0.4 0.1 0.6 -0.5 -0.9 0.6 0.4
2017
+2.91 +0.80 0.3 0.7 -0.2 0.5 0.4 0.0 0.4 0.6 -0.3 0.0 0.1 0.4
2016
+3.48 +1.40 0.5 0.7 1.4 0.3 0.0 1.8 0.7 -0.3 0.2 -0.9 -1.6 0.5
2015
-0.30 -0.93 2.0 -0.8 0.2 -0.3 -0.4 -1.1 0.7 -0.7 0.2 0.6 -0.4 -0.3
2014
+5.05 +4.36 1.3 0.7 -0.1 0.8 1.0 0.2 -0.3 1.0 -1.2 1.1 0.5 -0.1
2013
-1.91 -3.38 -0.2 0.4 0.3 1.1 -2.1 -1.7 0.6 -1.2 1.0 0.9 -0.5 -0.5
2012
+4.58 +2.77 1.1 0.0 -0.1 1.1 0.3 0.5 1.1 0.1 0.2 0.1 0.3 -0.2
2011
+6.88 +3.71 0.3 0.6 0.1 1.5 0.6 -0.3 1.6 0.3 -0.6 1.6 -0.3 1.2
2010
+6.25 +4.74 0.5 0.3 0.6 1.5 -0.1 0.7 1.2 1.0 0.6 1.0 -0.8 -0.3
2009
+7.40 +4.46 -1.7 -2.2 1.8 1.9 1.0 0.5 1.7 1.2 1.7 0.1 1.5 -0.3
2008
-0.05 -0.03 1.2 0.1 0.5 0.1 -0.4 -0.5 0.2 0.6 -1.8 -5.2 0.5 4.9
2007
+5.65 +1.48 0.6 1.1 0.1 0.5 -0.5 -0.7 0.3 1.2 1.0 0.8 1.1 0.0
2006
+5.45 +2.85 0.5 0.4 -0.5 -0.2 0.0 0.5 1.2 1.4 0.7 0.8 1.2 -0.6
2005
+3.19 -0.14 -0.1 -0.1 -0.3 1.2 1.0 0.7 -0.4 0.9 -0.4 -0.7 0.6 0.8
2004
+5.92 +2.49 0.9 1.0 1.0 -2.8 0.4 0.4 0.7 1.9 0.2 1.0 0.0 1.1
2003
+6.47 +4.35 0.2 1.5 -0.1 0.8 2.0 0.0 -2.1 0.7 2.1 -0.1 0.5 0.9
2002
+7.47 +4.87 0.5 0.7 -0.3 1.4 0.7 0.4 0.0 1.6 0.9 -1.0 0.6 1.7
2001
+7.06 +5.37 1.7 0.8 0.5 0.1 0.8 0.3 1.4 0.9 0.0 1.3 -0.5 -0.3
2000
+10.92 +7.24 0.1 1.0 1.4 0.2 0.0 1.7 1.3 0.9 0.5 0.3 1.2 1.9
1999
+0.05 -2.56 0.7 -1.3 0.4 0.9 -0.5 -0.5 -0.3 -0.1 0.6 0.2 0.1 -0.1
1998
+6.75 +5.06 1.0 0.0 0.3 0.4 0.7 0.7 -0.1 0.8 2.0 -0.3 0.6 0.3
1997
+8.91 +7.09 0.0 0.2 -0.8 1.0 1.1 1.2 2.3 -0.6 1.8 1.0 0.5 0.9
1996
+5.56 +2.11 0.4 -1.2 -0.5 -0.3 0.1 1.1 0.5 0.2 1.5 1.9 1.7 0.1
1995
+15.82 +12.96 1.3 1.7 0.6 1.1 3.2 0.6 0.2 1.1 1.0 1.0 1.3 1.6
1994
-2.12 -4.60 1.3 -1.5 -2.3 -0.7 -0.1 -0.2 1.4 0.2 -1.1 -0.2 -0.1 1.2

* Note:
Portofolio Returns, up to December 2013, are simulated. They have been calculated using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio.

In particular, it has been used:

  • VNQ - Vanguard Real Estate: simulated historical serie, up to December 2004
  • BND - Vanguard Total Bond Market: simulated historical serie, up to December 2007
  • BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill: simulated historical serie, up to December 2007
  • TIP - iShares TIPS Bond: simulated historical serie, up to December 2003
  • HYG - iShares iBoxx $ High Yield Corporate Bond: simulated historical serie, up to December 2007
  • BNDX - Vanguard Total International Bond: simulated historical serie, up to December 2013
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