Last Update: 31 July 2022

The Charles Schwab Conservative Income Portfolio obtained a 4.75% compound annual return, with a 3.40% standard deviation, in the last 30 Years.

The DFA Dimensional Retirement Income Fund Portfolio obtained a 5.84% compound annual return, with a 4.59% standard deviation, in the last 30 Years.

Summary

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Charles Schwab Conservative Income Portfolio DFA Dimensional Retirement Income Fund Portfolio
Risk Low Low
Asset Allocation Stocks 5% 20.4%
Fixed Income 95% 79.6%
Commodities 0% 0%
30 Years Stats Return +4.75% +5.84%
Std Dev 3.40% 4.59%
Max Drawdown -8.22% -12.91%

Last Update: 31 July 2022

Historical Returns as of Jul 31, 2022

Comparison period starts from January 1992

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1M 6M 1Y 5Y(*) 10Y(*) 30Y(*) MAX(*)
Charles Schwab Conservative Income Portfolio +2.68 -3.96 -5.35 +2.12 +1.94 +4.75 +4.81
DFA Dimensional Retirement Income Fund Portfolio +3.81 -3.32 -3.70 +4.13 +3.51 +5.84 +5.82
(*) Returns over 1 year are annualized

Capital Growth as of Jul 31, 2022

Charles Schwab Conservative Income Portfolio: an investment of 1000$, since August 1992, now would be worth 4021.20$, with a total return of 302.12% (4.75% annualized).

DFA Dimensional Retirement Income Fund Portfolio: an investment of 1000$, since August 1992, now would be worth 5481.68$, with a total return of 448.17% (5.84% annualized).

Charles Schwab Conservative Income Portfolio: an investment of 1000$, since January 1992, now would be worth 4207.60$, with a total return of 320.76% (4.81% annualized).

DFA Dimensional Retirement Income Fund Portfolio: an investment of 1000$, since January 1992, now would be worth 5648.59$, with a total return of 464.86% (5.82% annualized).

Drawdowns

Drawdown comparison chart since July 1992.

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Charles Schwab Conservative Income Portfolio
DFA Dimensional Retirement Income Fund Portfolio
Drawdown Start Bottom Drawdown Start Bottom
-12.91% Jun 2008 Feb 2009
-8.69% Jan 2022 Jun 2022
-8.22% Jan 2022 Jun 2022
-7.01% May 2008 Oct 2008
-6.09% Feb 1994 Jun 1994
-4.80% Feb 1994 Jun 1994
-4.64% Feb 2020 Mar 2020
-4.34% May 2013 Jun 2013
-4.32% May 2013 Aug 2013
-3.41% May 2015 Sep 2015
-3.15% Sep 2018 Dec 2018
-3.06% Apr 2004 Apr 2004
-2.88% Aug 2011 Sep 2011
-2.79% Apr 2004 Apr 2004
-2.57% Mar 2020 Mar 2020
-2.55% Aug 2016 Nov 2016
-2.38% Feb 2015 Jun 2015
-2.13% Aug 1997 Aug 1997
-2.06% Jul 2003 Jul 2003
-2.01% Aug 1998 Aug 1998

Drawdown comparison chart since January 1992.

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Charles Schwab Conservative Income Portfolio
DFA Dimensional Retirement Income Fund Portfolio
Drawdown Start Bottom Drawdown Start Bottom
-12.91% Jun 2008 Feb 2009
-8.69% Jan 2022 Jun 2022
-8.22% Jan 2022 Jun 2022
-7.01% May 2008 Oct 2008
-6.09% Feb 1994 Jun 1994
-4.80% Feb 1994 Jun 1994
-4.64% Feb 2020 Mar 2020
-4.34% May 2013 Jun 2013
-4.32% May 2013 Aug 2013
-3.41% May 2015 Sep 2015
-3.15% Sep 2018 Dec 2018
-3.06% Apr 2004 Apr 2004
-2.88% Aug 2011 Sep 2011
-2.79% Apr 2004 Apr 2004
-2.57% Mar 2020 Mar 2020
-2.55% Aug 2016 Nov 2016
-2.39% Jan 1992 Mar 1992
-2.38% Feb 2015 Jun 2015
-2.13% Aug 1997 Aug 1997
-2.06% Jul 2003 Jul 2003

Yearly Returns

Yearly return comparison. Common historical serie start from January 1992.

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Year Charles Schwab Conservative Income Portfolio DFA Dimensional Retirement Income Fund Portfolio
2022
-5.76% -5.22%
2021
+2.43% +7.04%
2020
+5.45% +8.69%
2019
+8.37% +10.30%
2018
-0.17% -1.96%
2017
+2.91% +6.78%
2016
+3.48% +4.66%
2015
-0.30% -0.87%
2014
+5.05% +2.89%
2013
-1.91% +1.29%
2012
+4.58% +7.36%
2011
+6.88% +6.06%
2010
+6.25% +6.92%
2009
+7.40% +12.97%
2008
-0.05% -7.45%
2007
+5.65% +9.18%
2006
+5.45% +5.72%
2005
+3.19% +4.07%
2004
+5.92% +7.31%
2003
+6.47% +11.38%
2002
+7.47% +5.44%
2001
+7.06% +2.76%
2000
+10.92% +7.94%
1999
+0.05% +4.99%
1998
+6.75% +10.20%
1997
+8.91% +11.97%
1996
+5.56% +5.90%
1995
+15.82% +18.82%
1994
-2.12% -2.17%
1993
+10.51% +13.67%
1992
+7.63% +5.89%
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