Data Source: from June 1991 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 02:00PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.04%
1 Day
Jul 05 2022, 02:00PM Eastern Time
0.75%
Current Month
July 2022

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:

5% Stocks
95% Fixed Income
0% Commodities

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
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.

According to the available data source, let's assume we built the portfolio on June 1991.

Portfolio returns are calculated in USD, assuming: July 2022 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
CHARLES SCHWAB CONSERVATIVE INCOME PORTFOLIO RETURNS
Consolidated returns as of 30 June 2022
Live Update: Jul 05 2022, 02:00PM Eastern Time
Swipe left to see all data
  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
(*) Returns over 1 year are annualized
(*) Eastern Time (ET - America/New York)

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.

CHARLES SCHWAB CONSERVATIVE INCOME PORTFOLIO
Consolidated returns as of 30 June 2022
Data Source: from June 1991 to June 2022
Swipe left to see all data
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 over 1 year are annualized

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

An investment of 1000$, since July 1992, now would be worth 3995.97$, with a total return of 299.60% (4.73% annualized).

The Inflation Adjusted Capital now would be 1920.71$, with a net total return of 92.07% (2.20% annualized).
An investment of 1000$, since June 1991, now would be worth 4492.70$, with a total return of 349.27% (4.95% annualized).

The Inflation Adjusted Capital now would be 2090.10$, with a net total return of 109.01% (2.40% annualized).

Drawdowns

Swipe left to see all data
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
Swipe left to see all data
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

Swipe left to see all data
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%
(*) 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: in which months is it better to invest?

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

For further information about the seasonality, check the Asset Class Seasonality page.
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 %
0.50
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
Statistics calculated for the period Jun 1991 - Jun 2022

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
268 Positive Months (72%) - 105 Negative Months (28%)
Jun 1991 - Jun 2022
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
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.

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)
+4.21%
(+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

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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

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Jul 2022 return refers to period 01-05 July 2022.
Last update: Jul 05 2022, 02:00PM Eastern Time.
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