Charles Schwab Conservative Income Portfolio: ETF allocation and returns

Last Update: 30 June 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 3.16% compound annual return, with a 2.87% 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:

        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: 30 June 2021

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	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**
Charles Schwab Conservative Income Portfolio	+0.74	+2.11	+0.69	+3.25	+4.91	+3.13	+3.16
*Components*
VNQ - Vanguard Real Estate	+2.64	+11.60	+21.41	+34.41	+11.90	+7.07	+9.72
BND - Vanguard Total Bond Market	+0.90	+1.93	-1.78	-0.59	+5.41	+2.98	+3.29
BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill	-0.02	-0.03	-0.05	-0.06	+1.12	+0.97	+0.45
TIP - iShares TIPS Bond	+0.72	+3.21	+1.47	+6.05	+6.32	+3.99	+3.26
HYG - iShares iBoxx $ High Yield Corporate Bond	+1.32	+2.01	+2.60	+12.95	+6.36	+6.00	+5.36
BNDX - Vanguard Total International Bond	+0.37	+0.18	-2.12	-0.01	+3.98	+2.82	+4.43

(*) 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.

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Historical Returns

Charles Schwab Conservative Income Portfolio - Historical returns and stats.

CHARLES SCHWAB CONSERVATIVE INCOME PORTFOLIO

Last Update: 30 June 2021

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Period	Returns Jun 2021	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	+0.74%		0.00%	1 - 0
3M	+2.11%		0.00%	3 - 0
6M	+0.69%		-1.39% Jan 2021 - Mar 2021	3 - 3
YTD	+0.69%		-1.39% Jan 2021 - Mar 2021	3 - 3
1Y	+3.25%	2.58%	-1.39% Jan 2021 - Mar 2021	6 - 6
3Y	+4.91% annualized	3.19%	-2.57% Mar 2020 - Mar 2020	26 - 10
5Y	+3.13% annualized	2.86%	-2.57% Mar 2020 - Mar 2020	41 - 19
10Y	+3.16% annualized	2.87%	-4.31% May 2013 - Aug 2013	80 - 40
MAX 01 Jan 2001	+4.34% annualized	3.33%	-7.02% May 2008 - Oct 2008	174 - 72

* Annualized St.Dev. of monthly returns

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

Portfolio	10Y Return ▾	Stocks	Bonds
High Yield Bonds Income	+5.79%	0	100	Compare
Stocks/Bonds 20/80	+5.67%	20	80	Compare
All Country World 20/80	+5.33%	20	80	Compare
Developed World ex-US 20/80	+5.00%	20	80	Compare
Edge Select Conservative Merrill Lynch	+4.73%	21	79	Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since June 2011.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-4.31%	May 2013	Aug 2013	4	May 2014	9	13
-2.57%	Mar 2020	Mar 2020	1	May 2020	2	3
-2.54%	Aug 2016	Nov 2016	4	Aug 2017	9	13
-2.38%	Feb 2015	Jun 2015	5	Mar 2016	9	14
-1.84%	Jan 2018	Feb 2018	2	Aug 2018	6	8
-1.39%	Jan 2021	Mar 2021	3	Jun 2021	3	6
-1.31%	Sep 2018	Oct 2018	2	Jan 2019	3	5
-1.20%	Sep 2014	Sep 2014	1	Nov 2014	2	3
-0.93%	Aug 2020	Oct 2020	3	Nov 2020	1	4
-0.61%	Sep 2011	Sep 2011	1	Oct 2011	1	2
-0.35%	Dec 2012	Jan 2013	2	Feb 2013	1	3
-0.31%	Nov 2011	Nov 2011	1	Dec 2011	1	2
-0.28%	Sep 2017	Sep 2017	1	Dec 2017	3	4
-0.27%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-0.27%	Sep 2019	Sep 2019	1	Dec 2019	3	4
-0.14%	Mar 2012	Mar 2012	1	Apr 2012	1	2
-0.06%	Dec 2014	Dec 2014	1	Jan 2015	1	2

Worst drawdowns since December 2000.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-7.02%	May 2008	Oct 2008	6	Jul 2009	9	15
-4.31%	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
-2.54%	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
-1.39%	Jan 2021	Mar 2021	3	Jun 2021	3	6
-1.31%	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
-0.93%	Aug 2020	Oct 2020	3	Nov 2020	1	4
-0.85%	Nov 2001	Dec 2001	2	Feb 2002	2	4
-0.72%	Mar 2006	May 2006	3	Jul 2006	2	5
-0.61%	Sep 2011	Sep 2011	1	Oct 2011	1	2
-0.58%	Dec 2006	Dec 2006	1	Jan 2007	1	2

Rolling Returns ( more details)

Charles Schwab Conservative Income Portfolio: annualized rolling and average returns

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	*Return ()**			Negative Periods
Rolling Period	Average	Best	Worst	Negative Periods
1 Year	+4.30%	+12.96% Dec 2008 - Nov 2009	-5.17% Mar 2008 - Feb 2009	11.91%
2 Years	+4.23%	+10.30% Nov 2008 - Oct 2010	-0.07% Mar 2007 - Feb 2009	0.45%
3 Years	+4.10%	+8.67% Mar 2009 - Feb 2012	+0.90% Jan 2013 - Dec 2015	0.00%
5 Years	+4.00%	+6.01% Jan 2001 - Dec 2005	+1.19% May 2013 - Apr 2018	0.00%
7 Years	+4.01%	+5.88% Jan 2001 - Dec 2007	+1.90% Nov 2011 - Oct 2018	0.00%
10 Years	+4.14%	+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

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	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	81	71	71	85	80	60	65	65	60

Detail of Monthly Returns

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		Months
Year	Return	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2021	+0.69%	-0.4	-0.9	-0.2	1.1	0.3	0.7
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