Data Source: from January 1996 to September 2021
Last Update: 30 September 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 3.06% compound annual return, with a 2.88% standard deviation.
In the last 25 years, a 4.78% compound annual return, with a 3.24% 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(*) | 20Y(*) | 25Y(*) | |
|---|---|---|---|---|---|---|---|---|---|
| Charles Schwab Conservative Income Portfolio | -0.97 | +0.35 | +2.47 | +2.52 | +4.95 | +3.07 | +3.06 | +4.14 | +4.78 |
| Components | |||||||||
|
VNQ Vanguard Real Estate |
-5.68 | +0.62 | +12.29 | +33.49 | +11.96 | +7.52 | +11.52 | +10.37 | +10.07 |
|
BND Vanguard Total Bond Market |
-1.01 | -0.05 | +1.88 | -1.04 | +5.36 | +2.88 | +2.88 | +4.09 | +4.86 |
|
BIL SPDR Blmbg Barclays 1-3 Mth T-Bill |
+0.01 | -0.01 | -0.04 | -0.06 | +0.96 | +0.96 | +0.45 | +1.15 | +1.92 |
|
TIP iShares TIPS Bond |
-0.78 | +1.71 | +4.97 | +4.88 | +7.23 | +4.13 | +2.97 | +4.99 | +5.88 |
|
HYG iShares iBoxx $ High Yield Corporate Bond |
-0.37 | +0.34 | +2.36 | +8.92 | +5.46 | +5.16 | +6.23 | +5.97 | +5.65 |
|
BNDX Vanguard Total International Bond |
-1.08 | -0.03 | +0.15 | -1.08 | +3.98 | +2.63 | +4.08 | +5.06 | +5.33 |
- 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 Sep 2021 |
Standard Deviation * |
Max Drawdown |
Months Pos - Neg |
|---|---|---|---|---|
|
1M
|
-0.97%
|
-0.97%
Sep 2021 - Sep 2021
|
0 - 1 | |
|
3M
|
+0.35%
|
-0.97%
Sep 2021 - Sep 2021
|
2 - 1 | |
|
6M
|
+2.47%
|
-0.97%
Sep 2021 - Sep 2021
|
5 - 1 | |
|
YTD
|
+1.04%
|
-1.39%
Jan 2021 - Mar 2021
|
5 - 4 | |
|
1Y
|
+2.52%
|
2.66%
|
-1.39%
Jan 2021 - Mar 2021
|
7 - 5 |
|
3Y
|
+4.95%
annualized
|
3.28%
|
-2.57%
Mar 2020 - Mar 2020
|
26 - 10 |
|
5Y
|
+3.07%
annualized
|
2.93%
|
-2.57%
Mar 2020 - Mar 2020
|
41 - 19 |
|
10Y
|
+3.06%
annualized
|
2.88%
|
-4.31%
May 2013 - Aug 2013
|
80 - 40 |
|
20Y
|
+4.14%
annualized
|
3.36%
|
-7.02%
May 2008 - Oct 2008
|
167 - 73 |
|
25Y
|
+4.78%
annualized
|
3.24%
|
-7.02%
May 2008 - Oct 2008
|
216 - 84 |
|
MAX
01 Jan 1996
|
+4.70%
annualized
|
3.22%
|
-7.02%
May 2008 - Oct 2008
|
222 - 87 |
Best Classic Portfolios, with Low Risk, ordered by 25 Years annualized return.
25 Years Stats |
% Allocation |
||||||
|---|---|---|---|---|---|---|---|
| Portfolio | Return▾ | Drawdown | Stocks | Bonds | Comm. | ||
| High Yield Bonds Income |
+7.14% | -23.98% | 0 | 100 | 0 | Compare | |
| All Country World 20/80 |
+6.24% | -14.04% | 20 | 80 | 0 | Compare | |
| Stocks/Bonds 20/80 |
+6.14% | -8.42% | 20 | 80 | 0 | Compare | |
| All Country World Bonds |
+5.81% | -8.82% | 0 | 100 | 0 | Compare | |
| Dimensional Retirement Income Fund DFA |
+5.77% | -12.91% | 20.4 | 79.6 | 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 |
+4.87% |
+12.96% Dec 2008 - Nov 2009 |
-5.17% Mar 2008 - Feb 2009 |
9.73% |
| 2 Years |
+4.80% |
+10.30% Nov 2008 - Oct 2010 |
-0.07% Mar 2007 - Feb 2009 |
0.35% |
| 3 Years |
+4.69% |
+9.07% Jun 2000 - May 2003 |
+0.90% Jan 2013 - Dec 2015 |
0.00% |
| 5 Years |
+4.67% |
+7.68% Sep 1996 - Aug 2001 |
+1.19% May 2013 - Apr 2018 |
0.00% |
| 7 Years |
+4.64% |
+7.51% Jun 1996 - May 2003 |
+1.90% Nov 2011 - Oct 2018 |
0.00% |
| 10 Years |
+4.66% |
+6.51% Sep 1996 - Aug 2006 |
+3.04% May 2008 - Apr 2018 |
0.00% |
| 15 Years |
+4.67% |
+6.09% Jun 1996 - May 2011 |
+3.58% Jan 2004 - Dec 2018 |
0.00% |
| 20 Years |
+4.64% |
+5.30% Aug 1996 - Jul 2016 |
+4.14% Oct 2001 - Sep 2021 |
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: in which months is it better to invest?
In the table below, the average monthly return is represented.
Below each return, it's also mentioned the probability of obtaining a positive monthly result (Win %).
Both the Average Return and the Gain Frequency are useful to get an idea of what happened in the past.
| Monthly Average Return (%) and Gain Frequency | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average Win % |
0.53 81% |
0.13 73% |
0.19 58% |
0.58 81% |
0.33 69% |
0.34 73% |
0.61 81% |
0.57 77% |
0.35 65% |
0.14 68% |
0.35 72% |
0.54 64% |
| Best Year |
2.0 2015 |
1.5 2003 |
1.8 2009 |
2.4 2020 |
2.0 2003 |
1.8 2016 |
2.3 1997 |
1.9 2019 |
2.1 2003 |
1.9 1996 |
1.7 1996 |
4.9 2008 |
| Worst Year |
-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 |
For further information about the seasonality, check the Asset Class Seasonality page.
Monthly Returns of Charles Schwab Conservative Income Portfolio
| Months | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year | Return | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| 2021 |
+1.04% | -0.4 | -0.9 | -0.2 | 1.1 | 0.3 | 0.7 | 1.3 | 0.1 | -1.0 | |||
| 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 |
| 2000 |
+10.92% | 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% | 0.7 | -1.3 | 0.4 | 1.0 | -0.5 | -0.5 | -0.3 | -0.1 | 0.6 | 0.2 | 0.1 | -0.1 |
| 1998 |
+6.75% | 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% | 0.0 | 0.2 | -0.8 | 1.0 | 1.2 | 1.3 | 2.3 | -0.6 | 1.8 | 1.0 | 0.5 | 0.9 |
| 1996 |
+5.56% | 0.4 | -1.2 | -0.5 | -0.3 | 0.1 | 1.1 | 0.5 | 0.2 | 1.5 | 1.9 | 1.7 | 0.1 |
* 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