Last Update: 31 July 2020

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 3.44% compound annual return, with a 2.87% standard deviation.

In 2019, the portfolio granted a 2.80% 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: 31 July 2020
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Charles Schwab Conservative Income Portfolio +1.56 +2.81 +3.07 +6.63 +4.46 +3.64 +3.44
Components
VNQ - Vanguard Real Estate +3.64 +7.98 -11.85 -5.11 +2.98 +4.94 +9.06
BND - Vanguard Total Bond Market +1.45 +2.82 +5.88 +10.55 +5.76 +4.51 +3.77
BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill +0.01 -0.01 +0.30 +1.13 +1.52 +0.98 +0.46
TIP - iShares TIPS Bond +2.33 +4.01 +6.24 +10.48 +5.59 +4.05 +3.65
HYG - iShares iBoxx $ High Yield Corporate Bond +5.06 +7.53 +0.17 +3.33 +3.90 +4.79 +5.66
BNDX - Vanguard Total International Bond +0.95 +1.91 +1.50 +3.83 +5.25 +4.36 +4.88
(*) 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: 31 July 2020
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Period Returns
Jul 2020
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
+1.56%
0.00%
1 - 0
3M
+2.81%
0.00%
3 - 0
6M
+3.07%
-2.57%
Mar 2020 - Mar 2020
5 - 1
YTD
+4.44%
-2.57%
Mar 2020 - Mar 2020
6 - 1
1Y
+6.63%
4.25%
-2.57%
Mar 2020 - Mar 2020
10 - 2
3Y
+4.46%
annualized
3.15%
-2.57%
Mar 2020 - Mar 2020
28 - 8
5Y
+3.64%
annualized
2.88%
-2.57%
Mar 2020 - Mar 2020
44 - 16
10Y
+3.44%
annualized
2.87%
-4.31%
May 2013 - Aug 2013
83 - 37
MAX
01 Jan 2001
+4.46%
annualized
3.36%
-7.02%
May 2008 - Oct 2008
169 - 66

* Annualized St.Dev. of monthly returns

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+6.15% 0 100 0 Compare
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DFA
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+3.77% 19.9 80.1 0 Compare

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Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns

Charles Schwab Conservative Income Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+4.31% +12.96%
Dec 2008 - Nov 2009
-5.17%
Mar 2008 - Feb 2009
12.50%
2 Years
+4.16% +10.30%
Nov 2008 - Oct 2010
-0.07%
Mar 2007 - Feb 2009
0.47%
3 Years
+4.07% +8.67%
Mar 2009 - Feb 2012
+0.90%
Jan 2013 - Dec 2015
0.00%
5 Years
+4.03% +6.01%
Jan 2001 - Dec 2005
+1.19%
May 2013 - Apr 2018
0.00%
7 Years
+4.07% +5.88%
Jan 2001 - Dec 2007
+1.90%
Nov 2011 - Oct 2018
0.00%
10 Years
+4.23% +5.51%
Feb 2002 - Jan 2012
+3.04%
May 2008 - Apr 2018
0.00%
15 Years
+4.03% +4.61%
Jul 2001 - Jun 2016
+3.58%
Jan 2004 - Dec 2018
0.00%

* Annualized rolling and average returns over full calendar month periods

Yearly Returns - Monthly Returns Heatmap

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
+4.44% 1.3 0.5 -2.6 2.4 0.7 0.6 1.6
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

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