Last Update: 31 May 2020

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 3.41% compound annual return, with a 2.85% standard deviation.

In 2019, the portfolio granted a 2.80% dividend yield. If you are interested in getting periodic income, please refer to the Charles Schwab Conservative Income Portfolio: Dividend Yield page.

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

Portfolio and ETF Returns

The Charles Schwab Conservative Income Portfolio guaranteed the following returns.

CHARLES SCHWAB CONSERVATIVE INCOME PORTFOLIO RETURNS (%)
Last Update: 31 May 2020
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Charles Schwab Conservative Income Portfolio +0.67 +0.47 +2.50 +5.88 +3.86 +3.14 +3.41
Components
VNQ - Vanguard Real Estate +1.73 -10.67 -15.29 -7.67 +2.11 +3.86 +8.83
BND - Vanguard Total Bond Market +0.67 +1.97 +5.64 +9.75 +5.18 +4.02 +3.79
BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill -0.02 +0.17 +0.52 +1.49 +1.57 +0.98 +0.46
TIP - iShares TIPS Bond +0.65 +1.88 +5.38 +8.06 +4.31 +3.27 +3.41
HYG - iShares iBoxx $ High Yield Corporate Bond +2.95 -2.84 -2.71 +2.22 +2.79 +3.38 +5.85
BNDX - Vanguard Total International Bond +0.41 -0.65 +1.59 +5.21 +4.60 +4.03 +4.92
(*) 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

If you are interested in getting periodic income, please refer to the Charles Schwab Conservative Income Portfolio: Dividend Yield page.

Historical Returns

Charles Schwab Conservative Income Portfolio - Historical returns and stats.

CHARLES SCHWAB CONSERVATIVE INCOME PORTFOLIO
Last Update: 31 May 2020
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Period Returns
May 2020
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
+0.67%
0.00%
1 - 0
3M
+0.47%
-2.57%
Mar 2020 - Mar 2020
2 - 1
6M
+2.50%
-2.57%
Mar 2020 - Mar 2020
5 - 1
YTD
+2.27%
-2.57%
Mar 2020 - Mar 2020
4 - 1
1Y
+5.88%
4.16%
-2.57%
Mar 2020 - Mar 2020
10 - 2
3Y
+3.86%
annualized
3.07%
-2.57%
Mar 2020 - Mar 2020
27 - 9
5Y
+3.14%
annualized
2.89%
-2.57%
Mar 2020 - Mar 2020
43 - 17
10Y
+3.41%
annualized
2.85%
-4.31%
May 2013 - Aug 2013
83 - 37
MAX
01 Jan 2001
+4.39%
annualized
3.37%
-7.02%
May 2008 - Oct 2008
167 - 66

* Annualized St.Dev. of monthly returns

Best Low Risk Porftolios, ordered by 10Y annualized return.

Portfolio 10Y Return ▾ #ETF Stocks Bonds Comm.
High Yield Bonds Income
+6.14% 4 0 100 0 Compare
10-year Treasury
+4.88% 1 0 100 0 Compare
Edge Select Conservative
Merrill Lynch
+4.71% 12 21 79 0 Compare
Dimensional Retirement Income Fund
DFA
+4.23% 7 20.4 79.6 0 Compare
Robo Advisor 20
Betterment
+3.74% 12 19.9 80.1 0 Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns

Charles Schwab Conservative Income Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+4.30% +12.96%
Dec 2008 - Nov 2009
-5.17%
Mar 2008 - Feb 2009
12.61%
2 Years
+4.14% +10.30%
Nov 2008 - Oct 2010
-0.07%
Mar 2007 - Feb 2009
0.48%
3 Years
+4.07% +8.67%
Mar 2009 - Feb 2012
+0.90%
Jan 2013 - Dec 2015
0.00%
5 Years
+4.04% +6.01%
Jan 2001 - Dec 2005
+1.19%
May 2013 - Apr 2018
0.00%
7 Years
+4.08% +5.88%
Jan 2001 - Dec 2007
+1.90%
Nov 2011 - Oct 2018
0.00%
10 Years
+4.24% +5.51%
Feb 2002 - Jan 2012
+3.04%
May 2008 - Apr 2018
0.00%
15 Years
+4.04% +4.61%
Jul 2001 - Jun 2016
+3.58%
Jan 2004 - Dec 2018
0.00%

* Annualized rolling and average returns over full calendar month periods

Yearly Returns - Monthly Returns Heatmap

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
+2.27% 1.3 0.5 -2.6 2.4 0.7
2019
+8.37% 1.7 0.1 1.6 0.2 1.0 1.1 0.3 1.9 -0.3 0.2 0.0 0.2
2018
-0.17% -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% 0.3 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% 0.6 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% 2.0 -0.8 0.2 -0.3 -0.4 -1.1 0.8 -0.7 0.2 0.6 -0.4 -0.3
2014
+5.05% 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% -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% 1.2 0.0 -0.1 1.1 0.3 0.5 1.1 0.2 0.2 0.1 0.3 -0.2
2011
+6.88% 0.3 0.6 0.1 1.5 0.7 -0.3 1.6 0.3 -0.6 1.7 -0.3 1.2
2010
+6.25% 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% -1.7 -2.2 1.8 1.9 1.1 0.5 1.7 1.2 1.7 0.1 1.5 -0.3
2008
-0.05% 1.2 0.1 0.5 0.1 -0.5 -0.5 0.2 0.6 -1.8 -5.2 0.5 4.9
2007
+5.65% 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% 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% -0.1 -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% 0.9 1.0 1.0 -2.8 0.4 0.5 0.7 1.9 0.2 1.0 0.0 1.1
2003
+6.47% 0.2 1.5 -0.2 0.8 2.0 0.1 -2.1 0.7 2.1 -0.1 0.5 0.9
2002
+7.47% 0.5 0.7 -0.3 1.4 0.7 0.4 0.1 1.6 0.9 -1.0 0.6 1.7
2001
+7.06% 1.7 0.8 0.5 0.1 0.8 0.3 1.4 0.9 0.0 1.3 -0.5 -0.3

* 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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