Charles Schwab Conservative Income vs Vanguard LifeStrategy Income Fund 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 Vanguard LifeStrategy Income Fund Portfolio obtained a 5.53% compound annual return, with a 4.76% standard deviation, in the last 30 Years.

Summary

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Charles Schwab Conservative Income Portfolio Vanguard LifeStrategy Income Fund Portfolio
Portfolio Risk Low Low
Asset Allocation Stocks 5% 20%
Fixed Income 95% 80%
Commodities 0% 0%
30 Years Stats Return +4.43% +5.53%
Std Dev 3.59% 4.76%
Max Drawdown -11.50% -16.61%
All time Stats
(Since Jan 1985)		 Return +5.67% +7.05%
Std Dev 3.84% 5.13%
Max Drawdown -11.50% -16.61%
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
Vanguard LifeStrategy Income Fund Portfolio +1.38 +8.85 +6.61 +2.54 +3.29 +5.53 +7.05
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).

Vanguard LifeStrategy Income Fund Portfolio: an investment of 1$, since April 1994, now would be worth 5.03$, with a total return of 403.18% (5.53% 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).

Vanguard LifeStrategy Income Fund Portfolio: an investment of 1$, since January 1985, now would be worth 14.49$, with a total return of 1349.05% (7.05% annualized).

Drawdowns

Drawdown comparison chart since April 1994.

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Charles Schwab Conservative Income Portfolio
Vanguard LifeStrategy Income Fund Portfolio
Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index		 Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index
-16.61% Sep 2021 Sep 2022 (13) In progress (31) 9.86
-11.50% Jan 2022 Sep 2022 (9) In progress (27) 7.50
-10.54% May 2008 Oct 2008 (6) Jul 2009 (15) 5.76
-7.01% May 2008 Oct 2008 (6) Jul 2009 (15) 3.26
-4.47% Feb 2020 Mar 2020 (2) May 2020 (4) 2.04
-4.32% May 2013 Aug 2013 (4) May 2014 (13) 2.65
-3.36% May 2013 Jun 2013 (2) Oct 2013 (6) 2.02
-2.79% Apr 2004 Apr 2004 (1) Aug 2004 (5) 1.77
-2.63% Dec 1996 Mar 1997 (4) May 1997 (6) 1.43
-2.58% Oct 2016 Nov 2016 (2) Apr 2017 (7) 1.33
-2.57% Mar 2020 Mar 2020 (1) May 2020 (3) 1.29
-2.55% Aug 2016 Nov 2016 (4) Aug 2017 (13) 1.16
-2.43% May 2015 Sep 2015 (5) Mar 2016 (11) 1.45
-2.38% Feb 2015 Jun 2015 (5) Mar 2016 (14) 1.59
-2.37% Sep 2018 Oct 2018 (2) Jan 2019 (5) 1.36
-2.22% Apr 2004 May 2004 (2) Sep 2004 (6) 1.42
-2.06% Jul 2003 Jul 2003 (1) Sep 2003 (3) 1.25
-1.98% Feb 1999 Feb 1999 (1) Apr 1999 (3) 1.04
-1.96% Feb 1996 Apr 1996 (3) Sep 1996 (8) 1.17
-1.88% Apr 2000 May 2000 (2) Jun 2000 (3) 1.14

Drawdown comparison chart since January 1985.

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Charles Schwab Conservative Income Portfolio
Vanguard LifeStrategy Income Fund Portfolio
Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index		 Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index
-16.61% Sep 2021 Sep 2022 (13) In progress (31) 9.86
-11.50% Jan 2022 Sep 2022 (9) In progress (27) 7.50
-10.54% May 2008 Oct 2008 (6) Jul 2009 (15) 5.76
-7.01% May 2008 Oct 2008 (6) Jul 2009 (15) 3.26
-5.45% Feb 1994 Jun 1994 (5) Apr 1995 (15) 3.70
-4.80% Feb 1994 Jun 1994 (5) Mar 1995 (14) 3.45
-4.47% Sep 1987 Nov 1987 (3) Jan 1988 (5) 2.81
-4.47% Feb 2020 Mar 2020 (2) May 2020 (4) 2.04
-4.35% Jan 1990 Apr 1990 (4) Jun 1990 (6) 2.45
-4.32% May 2013 Aug 2013 (4) May 2014 (13) 2.65
-4.18% Aug 1990 Sep 1990 (2) Dec 1990 (5) 2.32
-3.90% Mar 1987 Sep 1987 (7) Jan 1988 (11) 2.04
-3.36% May 2013 Jun 2013 (2) Oct 2013 (6) 2.02
-2.79% Apr 2004 Apr 2004 (1) Aug 2004 (5) 1.77
-2.63% Dec 1996 Mar 1997 (4) May 1997 (6) 1.43
-2.58% Oct 2016 Nov 2016 (2) Apr 2017 (7) 1.33
-2.57% Mar 2020 Mar 2020 (1) May 2020 (3) 1.29
-2.56% Sep 1986 Sep 1986 (1) Dec 1986 (4) 1.37
-2.55% Aug 2016 Nov 2016 (4) Aug 2017 (13) 1.16
-2.43% May 2015 Sep 2015 (5) Mar 2016 (11) 1.45

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%
+1.15%
 -0.23%
2023
+5.79%
 -3.43%
+9.53%
 -5.04%
2022
-9.97%
 -11.50%
-14.00%
 -16.30%
2021
+2.43%
 -1.40%
+2.15%
 -1.71%
2020
+5.45%
 -2.57%
+8.85%
 -4.47%
2019
+8.37%
 -0.27%
+12.26%
 -0.05%
2018
-0.17%
 -1.84%
-1.15%
 -2.37%
2017
+2.91%
 -0.28%
+7.31%
 0.00%
2016
+3.48%
 -2.55%
+4.45%
 -2.58%
2015
-0.30%
 -2.38%
+0.26%
 -2.43%
2014
+5.05%
 -1.20%
+6.50%
 -0.99%
2013
-1.91%
 -4.32%
+3.78%
 -3.36%
2012
+4.58%
 -0.18%
+7.54%
 -1.14%
2011
+6.88%
 -0.61%
+5.49%
 -1.55%
2010
+6.25%
 -1.09%
+8.55%
 -1.00%
2009
+7.40%
 -3.86%
+12.18%
 -5.19%
2008
-0.05%
 -7.01%
-4.64%
 -10.54%
2007
+5.65%
 -1.21%
+6.96%
 -0.49%
2006
+5.45%
 -0.71%
+7.11%
 -0.79%
2005
+3.19%
 -1.10%
+4.54%
 -1.40%
2004
+5.92%
 -2.79%
+7.04%
 -2.22%
2003
+6.47%
 -2.06%
+10.09%
 -1.74%
2002
+7.47%
 -0.98%
+3.19%
 -1.88%
2001
+7.06%
 -0.84%
+4.39%
 -1.61%
2000
+10.92%
 -0.02%
+6.07%
 -1.88%
1999
+0.05%
 -1.43%
+4.89%
 -1.98%
1998
+6.75%
 -0.25%
+12.95%
 -1.57%
1997
+8.91%
 -0.83%
+7.78%
 -1.74%
1996
+5.56%
 -1.96%
+6.01%
 -0.91%
1995
+15.82%
 0.00%
+19.89%
 0.00%
1994
-2.12%
 -4.80%
-2.48%
 -5.45%
1993
+10.51%
 -0.90%
+13.03%
 -1.55%
1992
+7.63%
 -1.15%
+6.76%
 -2.36%
1991
+15.73%
 -0.03%
+18.32%
 -1.28%
1990
+6.08%
 -1.67%
+3.86%
 -4.35%
1989
+11.52%
 -0.97%
+14.71%
 -1.34%
1988
+7.76%
 -1.64%
+10.36%
 -1.32%
1987
+2.12%
 -3.90%
+4.45%
 -4.47%
1986
+13.85%
 -1.69%
+19.21%
 -2.56%
1985
+19.26%
 -1.36%
+26.25%
 -1.52%