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:

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 September 2021
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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
(*) 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: 30 September 2021
Swipe left to see all data
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
* Annualized St.Dev. of monthly returns

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

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

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
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.

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 %
0.53
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
Statistics calculated for the period Jan 1996 - Sep 2021

For further information about the seasonality, check the Asset Class Seasonality page.

Monthly Returns of Charles Schwab Conservative Income Portfolio

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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
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