The Charles Schwab Conservative Income Portfolio is a Low Risk portfolio and can be implemented with 6 ETFs.
It's exposed for 5% on the Stock Market.
In the last 30 Years, the Charles Schwab Conservative Income Portfolio obtained a 4.73% compound annual return, with a 3.38% standard deviation.
Asset Allocation and ETFs
The Charles Schwab Conservative Income Portfolio has the following asset allocation:
The Charles Schwab Conservative Income Portfolio can be implemented 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 |
Portfolio and ETF Returns
The Charles Schwab Conservative Income Portfolio guaranteed the following returns.
Portfolio returns are calculated in USD, assuming:
- No fees or capital gain taxes
- a rebalancing of the components at the beginning of each year (at every January 1st). How do returns change with different rebalancing strategies?
- the reinvestment of dividends
Chg (%) | Return (%) | Return (%) as of Jun 30, 2022 |
|||||||
---|---|---|---|---|---|---|---|---|---|
1 Day | Time ET(*) | Jul 2022 | 1M | 6M | 1Y | 5Y(*) | 10Y(*) | 30Y(*) | |
Charles Schwab Conservative Income Portfolio | -0.04 | 0.75 | -2.10 | -8.22 | -6.63 | 1.67 | 1.78 | 4.73 | |
US Inflation Adjusted return | -2.10 | -11.79 | -13.20 | -1.87 | -0.67 | 2.20 | |||
Components | |||||||||
VNQ Vanguard Real Estate |
-1.65 |
01:59PM Jul 05 2022 |
0.12 | -7.46 | -20.54 | -8.02 | 5.69 | 7.49 | 9.57 |
BND Vanguard Total Bond Market |
0.26 |
02:00PM Jul 05 2022 |
1.06 | -1.66 | -10.35 | -10.42 | 0.84 | 1.40 | 4.63 |
BIL SPDR Blmbg Barclays 1-3 Mth T-Bill |
0.00 |
02:00PM Jul 05 2022 |
-0.01 | 0.08 | 0.12 | 0.08 | 0.92 | 0.47 | 2.19 |
TIP iShares TIPS Bond |
-0.12 |
01:59PM Jul 05 2022 |
1.49 | -3.11 | -9.04 | -5.27 | 3.04 | 1.57 | 5.80 |
HYG iShares iBoxx $ High Yield Corporate Bond |
-0.51 |
02:00PM Jul 05 2022 |
0.44 | -7.05 | -13.77 | -12.80 | 1.21 | 3.17 | 5.70 |
BNDX Vanguard Total International Bond |
-0.10 |
01:59PM Jul 05 2022 |
0.54 | -1.72 | -9.84 | -10.00 | 0.81 | 2.34 | 5.36 |
US Inflation is updated to May 2022. Waiting for updates, inflation of Jun 2022 is set to 0%. Current inflation (annualized) is 1Y: 7.57% , 5Y: 3.61% , 10Y: 2.46% , 30Y: 2.47%
Portfolio Dividends
In 2021, the Charles Schwab Conservative Income 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 as of Jun 30, 2022
Historical returns and stats of Charles Schwab Conservative Income Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.
Period | Return (%) as of Jun 2022 |
Return (%) Infl.Adj. |
Standard Deviation (%) |
Max Drawdown (%) |
Months Pos - Neg |
---|---|---|---|---|---|
1M
Jun 2022
|
-2.10
|
-2.10
|
-2.10
Jun 2022 - Jun 2022
|
0 - 1
|
|
3M
|
-4.63
|
-5.86
|
-4.63
Apr 2022 - Jun 2022
|
1 - 2
|
|
6M
|
-8.22
|
-11.79
|
-8.22
Jan 2022 - Jun 2022
|
1 - 5
|
|
YTD
|
-8.22
|
-11.79
|
-8.22
Jan 2022 - Jun 2022
|
1 - 5
|
|
1Y
|
-6.63
|
-13.20
|
4.05
|
-8.22
Jan 2022 - Jun 2022
|
6 - 6
50% pos
|
3Y(*)
|
0.51
|
-3.82
|
3.96
|
-8.22
Jan 2022 - Jun 2022
|
22 - 14
61% pos
|
5Y(*)
|
1.67
|
-1.87
|
3.43
|
-8.22
Jan 2022 - Jun 2022
|
40 - 20
67% pos
|
10Y(*)
|
1.78
|
-0.67
|
3.14
|
-8.22
Jan 2022 - Jun 2022
|
77 - 43
64% pos
|
15Y(*)
|
3.03
|
0.71
|
3.63
|
-8.22
Jan 2022 - Jun 2022
|
123 - 57
68% pos
|
20Y(*)
|
3.56
|
1.09
|
3.50
|
-8.22
Jan 2022 - Jun 2022
|
165 - 75
69% pos
|
25Y(*)
|
4.21
|
1.74
|
3.34
|
-8.22
Jan 2022 - Jun 2022
|
212 - 88
71% pos
|
30Y(*)
|
4.73
|
2.20
|
3.38
|
-8.22
Jan 2022 - Jun 2022
|
258 - 102
72% pos
|
MAX(*)
01 Jun 1991
|
4.95
|
2.40
|
3.40
|
-8.22
Jan 2022 - Jun 2022
|
268 - 105
72% pos
|
Returns and stats are calculated assuming a yearly rebalancing of the components weight. How do returns change with different rebalancing strategies?
Capital Growth as of Jun 30, 2022
The Inflation Adjusted Capital now would be 1920.71$, with a net total return of 92.07% (2.20% annualized).
The Inflation Adjusted Capital now would be 2090.10$, with a net total return of 109.01% (2.40% annualized).
Drawdowns
Drawdown period |
Recovery period |
Total |
||||
---|---|---|---|---|---|---|
Drawdown | Start | Bottom | #Months | End | #Months | #Months |
-8.22% | Jan 2022 | Jun 2022 | 6 | in progress | 6 | |
-7.01% | May 2008 | Oct 2008 | 6 | Jul 2009 | 9 | 15 |
-4.80% | Feb 1994 | Jun 1994 | 5 | Mar 1995 | 9 | 14 |
-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 |
-1.96% | Feb 1996 | Apr 1996 | 3 | Sep 1996 | 5 | 8 |
-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 |
-1.15% | Oct 1992 | Oct 1992 | 1 | Dec 1992 | 2 | 3 |
-1.10% | Sep 2005 | Oct 2005 | 2 | Dec 2005 | 2 | 4 |
-1.09% | Nov 2010 | Dec 2010 | 2 | Apr 2011 | 4 | 6 |
Drawdown period |
Recovery period |
Total |
||||
---|---|---|---|---|---|---|
Drawdown | Start | Bottom | #Months | End | #Months | #Months |
-8.22% | Jan 2022 | Jun 2022 | 6 | in progress | 6 | |
-7.01% | May 2008 | Oct 2008 | 6 | Jul 2009 | 9 | 15 |
-4.80% | Feb 1994 | Jun 1994 | 5 | Mar 1995 | 9 | 14 |
-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 |
-1.96% | Feb 1996 | Apr 1996 | 3 | Sep 1996 | 5 | 8 |
-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 |
-1.15% | Oct 1992 | Oct 1992 | 1 | Dec 1992 | 2 | 3 |
-1.10% | Sep 2005 | Oct 2005 | 2 | Dec 2005 | 2 | 4 |
-1.09% | Nov 2010 | Dec 2010 | 2 | Apr 2011 | 4 | 6 |
Rolling Returns ( more details)
Charles Schwab Conservative Income Portfolio: annualized rolling and average returns
Rolling Period |
Return (*) | Negative Periods |
||
---|---|---|---|---|
Average (%) | Best (%) | Worst (%) | ||
1 Year |
5.20 |
15.82 Jan 1995 - Dec 1995 |
-6.63 Jul 2021 - Jun 2022 |
11.05% |
2 Years |
5.13 |
12.43 Jul 1991 - Jun 1993 |
-1.82 Jul 2020 - Jun 2022 |
1.14% |
3 Years |
5.07 |
10.10 Dec 1994 - Nov 1997 |
0.51 Jul 2019 - Jun 2022 |
0.00% |
5 Years |
5.05 |
8.04 Jul 1991 - Jun 1996 |
1.19 May 2013 - Apr 2018 |
0.00% |
7 Years |
5.04 |
8.36 Jul 1991 - Jun 1998 |
1.90 Nov 2011 - Oct 2018 |
0.00% |
10 Years |
5.08 |
7.70 Aug 1991 - Jul 2001 |
1.78 Jul 2012 - Jun 2022 |
0.00% |
15 Years |
5.06 |
6.88 Jul 1991 - Jun 2006 |
3.03 Jul 2007 - Jun 2022 |
0.00% |
20 Years |
5.09 |
6.52 Aug 1991 - Jul 2011 |
3.56 Jul 2002 - Jun 2022 |
0.00% |
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: in which months is it better to invest?
For further information about the seasonality, check the Asset Class Seasonality page.
Monthly Average Return (%) and Gain Frequency | ||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|
Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
Average Win % |
0.50 77% |
0.18 71% |
0.08 55% |
0.43 77% |
0.44 71% |
0.32 69% |
0.70 84% |
0.65 81% |
0.41 68% |
0.16 68% |
0.33 71% |
0.71 71% |
Best Year |
2.0 2015 |
2.0 1993 |
1.8 2009 |
2.4 2020 |
3.2 1995 |
1.9 1993 |
2.3 1997 |
1.9 2019 |
2.1 2003 |
1.9 1996 |
1.7 1996 |
4.9 2008 |
Worst Year |
-1.9 2022 |
-2.2 2009 |
-2.6 2020 |
-2.8 2004 |
-2.1 2013 |
-2.1 2022 |
-2.1 2003 |
-1.2 2013 |
-1.8 2008 |
-5.2 2008 |
-1.6 2016 |
-0.6 2006 |
Monthly/Yearly Returns
Charles Schwab Conservative Income Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?
Yearly Return(%) |
Monthly Return(%) |
|||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Year | Total | Infl.Adj | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
2022 |
-8.22 | -11.79 | -1.9 | -0.6 | -1.3 | -2.6 | 0.0 | -2.1 | ||||||
2021 |
+2.43 | -4.36 | -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 | +4.12 | 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 | +0.77 | 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 |
1993 |
+10.51 | +7.49 | 1.7 | 2.0 | 0.8 | 0.3 | 0.2 | 1.9 | 0.8 | 1.7 | 0.6 | 0.4 | -0.9 | 0.5 |
1992 |
+7.63 | +4.53 | -0.8 | 0.6 | -0.4 | 0.3 | 1.8 | 1.0 | 2.0 | 0.8 | 1.2 | -1.1 | 0.4 | 1.6 |
1991 |
- | - | 0.0 | 1.3 | 1.7 | 1.8 | 0.8 | 0.7 | 3.1 |
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
Portfolio efficiency
Is the Charles Schwab Conservative Income Portfolio actually efficient, compared to other Lazy Portfolios?
Overall Ratings
The Charles Schwab Conservative Income Portfolio is classified as Low Risk.
Less than 25%
25% - 49.99%
50% - 74.99%
At least 75%
Low Risk Portfolios |
All Portfolios |
||
---|---|---|---|
25 Years Ann. Return (Inflation Adjusted) |
+4.21%
(+1.74%) |
Bad : 1.1 / 5
|
Bad : 1 / 5
|
Standard Deviation over 25 Years |
3.34% |
Excellent : 4.3 / 5
|
Excellent : 4.9 / 5
|
Maximum Drawdown over 25 Years |
-8.22% |
Good : 3.7 / 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 |
Best Classic Portfolios, with Low Risk
30 Years Stats (%) |
% Allocation |
|||||||
---|---|---|---|---|---|---|---|---|
Portfolio | Jul 2022 | Return▾ | Drawdown | Stocks | Bonds | Comm | ||
High Yield Bonds Income |
+0.69 | +6.91 | -23.97 | 0 | 100 | 0 | ||
All Country World 20/80 |
+0.43 | +6.10 | -14.04 | 20 | 80 | 0 | ||
Stocks/Bonds 20/80 |
+0.89 | +5.93 | -12.54 | 20 | 80 | 0 | ||
US Inflation Protection |
+1.49 | +5.80 | -11.79 | 0 | 100 | 0 | ||
Dimensional Retirement Income Fund DFA |
+0.89 | +5.79 | -12.91 | 20.4 | 79.6 | 0 |
Last update: Jul 05 2022, 02:00PM Eastern Time.