Last Update: 31 March 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 3.13% compound annual return, with a 2.89% standard deviation.
In 2020, the portfolio granted a 1.91% 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:
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.
1M | 3M | 6M | 1Y | 3Y(*) | 5Y(*) | 10Y(*) | |
---|---|---|---|---|---|---|---|
Charles Schwab Conservative Income Portfolio | -0.20 | -1.40 | +0.05 | +4.84 | +4.40 | +3.14 | +3.13 |
Components | |||||||
VNQ - Vanguard Real Estate | +5.15 | +8.79 | +18.88 | +36.73 | +11.00 | +6.13 | +8.91 |
BND - Vanguard Total Bond Market | -1.27 | -3.64 | -2.86 | +1.56 | +4.67 | +3.08 | +3.32 |
BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill | -0.01 | -0.02 | -0.02 | -0.07 | +1.26 | +0.98 | +0.45 |
TIP - iShares TIPS Bond | -0.26 | -1.68 | -0.09 | +7.61 | +5.50 | +3.71 | +3.28 |
HYG - iShares iBoxx $ High Yield Corporate Bond | +1.21 | +0.58 | +6.41 | +18.88 | +5.88 | +6.65 | +5.27 |
BNDX - Vanguard Total International Bond | -0.01 | -2.29 | -1.22 | +2.68 | +3.99 | +3.28 | +4.56 |
- 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.
Period | Returns Mar 2021 |
Standard Deviation * |
Max Drawdown |
Months Pos - Neg |
---|---|---|---|---|
1M
|
-0.20%
|
-0.20%
Mar 2021 - Mar 2021
|
0 - 1 | |
3M
|
-1.40%
|
-1.39%
Jan 2021 - Mar 2021
|
0 - 3 | |
6M
|
+0.05%
|
-1.39%
Jan 2021 - Mar 2021
|
2 - 4 | |
YTD
|
-1.40%
|
-1.39%
Jan 2021 - Mar 2021
|
0 - 3 | |
1Y
|
+4.84%
|
3.24%
|
-1.39%
Jan 2021 - Mar 2021
|
6 - 6 |
3Y
|
+4.40%
annualized
|
3.18%
|
-2.57%
Mar 2020 - Mar 2020
|
25 - 11 |
5Y
|
+3.14%
annualized
|
2.91%
|
-2.57%
Mar 2020 - Mar 2020
|
41 - 19 |
10Y
|
+3.13%
annualized
|
2.89%
|
-4.31%
May 2013 - Aug 2013
|
79 - 41 |
MAX
01 Jan 2001
|
+4.29%
annualized
|
3.34%
|
-7.02%
May 2008 - Oct 2008
|
171 - 72 |
* Annualized St.Dev. of monthly returns
Best Low Risk Porftolios, ordered by 10Y annualized return.
Portfolio | 10Y Return ▾ | Stocks | Bonds | Comm. | ||
---|---|---|---|---|---|---|
High Yield Bonds Income |
+5.66% | 0 | 100 | 0 | Compare | |
Stocks/Bonds 20/80 |
+5.52% | 20 | 80 | 0 | Compare | |
Developed World 20/80 |
+5.03% | 20 | 80 | 0 | Compare | |
Edge Select Conservative Merrill Lynch |
+4.66% | 21 | 79 | 0 | Compare | |
Total Bond Developed World |
+4.56% | 0 | 100 | 0 | Compare |
Capital Growth
Drawdowns
Rolling Returns ( more details)
Charles Schwab Conservative Income Portfolio: annualized rolling and average returns
Return (*) | Negative Periods |
|||
---|---|---|---|---|
Rolling Period | Average | Best | Worst | |
1 Year |
+4.31% |
+12.96% Dec 2008 - Nov 2009 |
-5.17% Mar 2008 - Feb 2009 |
12.07% |
2 Years |
+4.23% |
+10.30% Nov 2008 - Oct 2010 |
-0.07% Mar 2007 - Feb 2009 |
0.45% |
3 Years |
+4.09% |
+8.67% Mar 2009 - Feb 2012 |
+0.90% Jan 2013 - Dec 2015 |
0.00% |
5 Years |
+4.02% |
+6.01% Jan 2001 - Dec 2005 |
+1.19% May 2013 - Apr 2018 |
0.00% |
7 Years |
+4.03% |
+5.88% Jan 2001 - Dec 2007 |
+1.90% Nov 2011 - Oct 2018 |
0.00% |
10 Years |
+4.16% |
+5.51% Feb 2002 - Jan 2012 |
+3.04% May 2008 - Apr 2018 |
0.00% |
15 Years |
+4.00% |
+4.61% Jul 2001 - Jun 2016 |
+3.58% Jan 2004 - Dec 2018 |
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 and Yearly/Monthly Returns
Charles Schwab Conservative Income Portfolio Seasonality
Months | ||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|
Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
Average | 0.5 | 0.2 | 0.2 | 0.6 | 0.3 | 0.2 | 0.6 | 0.7 | 0.2 | 0.0 | 0.2 | 0.5 |
Best |
2.0 2015 |
1.5 2003 |
1.8 2009 |
2.4 2020 |
2.0 2003 |
1.8 2016 |
1.7 2009 |
1.9 2019 |
2.1 2003 |
1.7 2011 |
1.5 2009 |
4.9 2008 |
Worst |
-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 |
Gain Frequency |
76 | 76 | 57 | 80 | 70 | 70 | 85 | 80 | 60 | 65 | 65 | 60 |
Detail of Monthly Returns
Months | |||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Year | Return | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
2021 |
-1.40% | -0.4 | -0.9 | -0.2 | |||||||||
2020 |
+5.45% | 1.3 | 0.5 | -2.6 | 2.4 | 0.7 | 0.6 | 1.6 | -0.2 | -0.3 | -0.4 | 1.4 | 0.5 |
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