Charles Schwab Conservative Income vs Bill Bernstein Sheltered Sam 10/90 Portfolio Comparison

Last Update: 31 March 2024

The Charles Schwab Conservative Income Portfolio obtained a 4.43% compound annual return, with a 3.59% standard deviation, in the last 30 Years.

The Bill Bernstein Sheltered Sam 10/90 Portfolio obtained a 4.60% compound annual return, with a 3.33% standard deviation, in the last 30 Years.

Summary

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Charles Schwab Conservative Income Portfolio Bill Bernstein Sheltered Sam 10/90 Portfolio
Portfolio Risk Low Low
Asset Allocation Stocks 5% 9.7%
Fixed Income 95% 90%
Commodities 0% 0.3%
30 Years Stats Return +4.43% +4.60%
Std Dev 3.59% 3.33%
Max Drawdown -11.50% -9.93%
All time Stats
(Since Jan 1985)		 Return +5.67% +5.99%
Std Dev 3.84% 3.82%
Max Drawdown -11.50% -9.93%
Last Update: 31 March 2024

Historical Returns as of Mar 31, 2024

Comparison period starts from January 1985

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1M 6M 1Y 5Y 10Y 30Y MAX
Charles Schwab Conservative Income Portfolio +0.74 +5.49 +3.15 +1.51 +1.99 +4.43 +5.67
Bill Bernstein Sheltered Sam 10/90 Portfolio +0.79 +4.87 +3.09 +2.29 +2.10 +4.60 +5.99
Return over 1 year are annualized.

Capital Growth as of Mar 31, 2024

Charles Schwab Conservative Income Portfolio: an investment of 1$, since April 1994, now would be worth 3.67$, with a total return of 266.66% (4.43% annualized).

Bill Bernstein Sheltered Sam 10/90 Portfolio: an investment of 1$, since April 1994, now would be worth 3.85$, with a total return of 285.24% (4.60% annualized).

Charles Schwab Conservative Income Portfolio: an investment of 1$, since January 1985, now would be worth 8.70$, with a total return of 770.04% (5.67% annualized).

Bill Bernstein Sheltered Sam 10/90 Portfolio: an investment of 1$, since January 1985, now would be worth 9.80$, with a total return of 880.32% (5.99% annualized).

Drawdowns

Drawdown comparison chart since April 1994.

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Charles Schwab Conservative Income Portfolio
Bill Bernstein Sheltered Sam 10/90 Portfolio
Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index		 Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index
-11.50% Jan 2022 Sep 2022 (9) In progress (27) 7.50
-9.93% Jan 2022 Sep 2022 (9) In progress (27) 5.88
-7.01% May 2008 Oct 2008 (6) Jul 2009 (15) 3.26
-6.02% Apr 2008 Feb 2009 (11) Aug 2009 (17) 2.87
-4.32% May 2013 Aug 2013 (4) May 2014 (13) 2.65
-3.15% May 2013 Aug 2013 (4) May 2014 (13) 1.69
-2.82% Apr 2004 Apr 2004 (1) Sep 2004 (6) 1.56
-2.79% Apr 2004 Apr 2004 (1) Aug 2004 (5) 1.77
-2.57% Mar 2020 Mar 2020 (1) May 2020 (3) 1.29
-2.55% Aug 2016 Nov 2016 (4) Aug 2017 (13) 1.16
-2.38% Feb 2015 Jun 2015 (5) Mar 2016 (14) 1.59
-2.26% Feb 1996 Apr 1996 (3) Sep 1996 (8) 1.53
-2.06% Jul 2003 Jul 2003 (1) Sep 2003 (3) 1.25
-2.01% Sep 1994 Nov 1994 (3) Jan 1995 (5) 1.25
-1.97% May 2015 Dec 2015 (8) Mar 2016 (11) 1.21
-1.96% Feb 1996 Apr 1996 (3) Sep 1996 (8) 1.17
-1.85% Feb 1999 Feb 1999 (1) Oct 1999 (9) 0.87
-1.84% Jan 2018 Feb 2018 (2) Aug 2018 (8) 0.98
-1.63% Sep 2018 Oct 2018 (2) Jan 2019 (5) 0.97
-1.56% Jul 2003 Jul 2003 (1) Sep 2003 (3) 0.84

Drawdown comparison chart since January 1985.

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Charles Schwab Conservative Income Portfolio
Bill Bernstein Sheltered Sam 10/90 Portfolio
Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index		 Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index
-11.50% Jan 2022 Sep 2022 (9) In progress (27) 7.50
-9.93% Jan 2022 Sep 2022 (9) In progress (27) 5.88
-7.01% May 2008 Oct 2008 (6) Jul 2009 (15) 3.26
-6.02% Apr 2008 Feb 2009 (11) Aug 2009 (17) 2.87
-5.37% Feb 1994 Jun 1994 (5) Mar 1995 (14) 3.85
-4.80% Feb 1994 Jun 1994 (5) Mar 1995 (14) 3.45
-4.32% May 2013 Aug 2013 (4) May 2014 (13) 2.65
-3.90% Mar 1987 Sep 1987 (7) Jan 1988 (11) 2.04
-3.15% May 2013 Aug 2013 (4) May 2014 (13) 1.69
-2.82% Apr 2004 Apr 2004 (1) Sep 2004 (6) 1.56
-2.79% Apr 2004 Apr 2004 (1) Aug 2004 (5) 1.77
-2.57% Mar 2020 Mar 2020 (1) May 2020 (3) 1.29
-2.55% Aug 2016 Nov 2016 (4) Aug 2017 (13) 1.16
-2.38% Feb 2015 Jun 2015 (5) Mar 2016 (14) 1.59
-2.30% Mar 1987 May 1987 (3) Dec 1987 (10) 1.25
-2.26% Feb 1996 Apr 1996 (3) Sep 1996 (8) 1.53
-2.06% Jul 2003 Jul 2003 (1) Sep 2003 (3) 1.25
-1.97% May 2015 Dec 2015 (8) Mar 2016 (11) 1.21
-1.96% Feb 1996 Apr 1996 (3) Sep 1996 (8) 1.17
-1.94% Jan 1990 Apr 1990 (4) May 1990 (5) 1.23

Yearly Returns

For each year, the following table provides the return and intra-year drawdown.
The highlighted returns represent the highest values for that specific year.
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Year Return Drawdown Return Drawdown
2024
+0.03%
 -0.71%
+0.66%
 -0.27%
2023
+5.79%
 -3.43%
+4.88%
 -2.32%
2022
-9.97%
 -11.50%
-8.07%
 -9.93%
2021
+2.43%
 -1.40%
+3.98%
 -0.76%
2020
+5.45%
 -2.57%
+6.33%
 -1.45%
2019
+8.37%
 -0.27%
+7.34%
 -0.15%
2018
-0.17%
 -1.84%
-0.58%
 -1.63%
2017
+2.91%
 -0.28%
+3.00%
 -0.21%
2016
+3.48%
 -2.55%
+3.63%
 -1.07%
2015
-0.30%
 -2.38%
-0.66%
 -1.97%
2014
+5.05%
 -1.20%
+2.43%
 -1.39%
2013
-1.91%
 -4.32%
-0.38%
 -3.15%
2012
+4.58%
 -0.18%
+4.12%
 -0.12%
2011
+6.88%
 -0.61%
+5.36%
 -1.16%
2010
+6.25%
 -1.09%
+5.24%
 -0.81%
2009
+7.40%
 -3.86%
+6.25%
 -3.40%
2008
-0.05%
 -7.01%
-0.11%
 -5.76%
2007
+5.65%
 -1.21%
+8.52%
 -0.20%
2006
+5.45%
 -0.71%
+4.48%
 -0.59%
2005
+3.19%
 -1.10%
+2.83%
 -0.83%
2004
+5.92%
 -2.79%
+5.24%
 -2.82%
2003
+6.47%
 -2.06%
+7.80%
 -1.56%
2002
+7.47%
 -0.98%
+8.97%
 -0.75%
2001
+7.06%
 -0.84%
+6.44%
 -1.11%
2000
+10.92%
 -0.02%
+11.34%
 -0.37%
1999
+0.05%
 -1.43%
+1.13%
 -1.85%
1998
+6.75%
 -0.25%
+8.19%
 -0.05%
1997
+8.91%
 -0.83%
+10.11%
 -1.17%
1996
+5.56%
 -1.96%
+4.80%
 -2.26%
1995
+15.82%
 0.00%
+17.42%
 0.00%
1994
-2.12%
 -4.80%
-2.62%
 -5.37%
1993
+10.51%
 -0.90%
+11.64%
 -0.94%
1992
+7.63%
 -1.15%
+7.76%
 -1.51%
1991
+15.73%
 -0.03%
+16.09%
 -0.56%
1990
+6.08%
 -1.67%
+7.12%
 -1.94%
1989
+11.52%
 -0.97%
+14.51%
 -1.15%
1988
+7.76%
 -1.64%
+7.50%
 -1.66%
1987
+2.12%
 -3.90%
+2.87%
 -2.30%
1986
+13.85%
 -1.69%
+14.82%
 -1.90%
1985
+19.26%
 -1.36%
+20.36%
 -1.37%