Data Source: from January 1985 to November 2023 (~39 years)
Consolidated Returns as of 30 November 2023
Live Update: Dec 01 2023
Consolidated Returns as of 30 November 2023
Live Update: Dec 01 2023
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.63%
1 Day
Dec 01 2023
0.63%
Current Month
December 2023
The Charles Schwab Conservative Income Portfolio is a Low Risk portfolio and can be implemented with 6 ETFs.
It's exposed for 5% on the Stock Market.
In the last 30 Years, the Charles Schwab Conservative Income Portfolio obtained a 4.26% compound annual return, with a 3.61% standard deviation.
Table of contents
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 implemented with the following ETFs:
| Weight (%) | Ticker | Currency | ETF Name | Investment Themes |
|---|---|---|---|---|
| 5.00 |
VNQ
|
USD | Vanguard Real Estate | Real Estate, U.S. |
| 40.00 |
BND
|
USD | Vanguard Total Bond Market | Bond, U.S., All-Term |
| 25.00 |
BIL
|
USD | SPDR Blmbg Barclays 1-3 Mth T-Bill | Bond, U.S., Ultra Short-Term |
| 18.00 |
TIP
|
USD | iShares TIPS Bond | Bond, U.S., All-Term |
| 7.00 |
HYG
|
USD | iShares iBoxx $ High Yield Corporate Bond | Bond, U.S., Intermediate-Term |
| 5.00 |
BNDX
|
USD | 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 as of Nov 30, 2023
The Charles Schwab Conservative Income Portfolio guaranteed the following returns.
Returns are calculated in USD, assuming:
- no fees or capital gain taxes.
- a rebalancing of the components at every January 1st. How do returns change with different rebalancing strategies?
- the reinvestment of dividends.
CHARLES SCHWAB CONSERVATIVE INCOME PORTFOLIO
Consolidated returns as of 30 November 2023
Live Update: Dec 01 2023
Swipe left to see all data
| Chg (%) | Return (%) | Return (%) as of Nov 30, 2023 | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 Day | Time ET(*) | Dec 2023 | 1M | 6M | 1Y | 5Y | 10Y | 30Y |
MAX
(~39Y) |
|||
| Charles Schwab Conservative Income Portfolio | 0.63 | 0.63 | 3.47 | 0.90 | 1.95 | 1.71 | 1.85 | 4.26 | 5.64 | |||
| US Inflation Adjusted return | 3.47 | -0.27 | -1.35 | -2.27 | -0.94 | 1.70 | 2.77 | |||||
| Components | ||||||||||||
|
VNQ
|
USD | Vanguard Real Estate | 2.46 | Dec 01 2023 | 2.46 | 12.08 | 4.30 | -2.99 | 3.66 | 6.41 | 8.34 | 9.08 |
|
BND
|
USD | Vanguard Total Bond Market | 0.82 | Dec 01 2023 | 0.82 | 4.54 | -0.60 | 0.97 | 0.72 | 1.33 | 4.12 | 5.68 |
|
BIL
|
USD | SPDR Blmbg Barclays 1-3 Mth T-Bill | 0.02 | Dec 01 2023 | 0.02 | 0.47 | 2.67 | 4.88 | 1.67 | 1.05 | 2.24 | 3.09 |
|
TIP
|
USD | iShares TIPS Bond | 0.51 | Dec 01 2023 | 0.51 | 2.77 | -1.03 | -0.52 | 2.25 | 1.70 | 4.90 | 6.69 |
|
HYG
|
USD | iShares iBoxx $ High Yield Corporate Bond | 0.83 | Dec 01 2023 | 0.83 | 4.88 | 5.29 | 5.68 | 3.00 | 3.09 | 5.33 | 6.82 |
|
BNDX
|
USD | Vanguard Total International Bond | 0.60 | Dec 01 2023 | 0.60 | 3.43 | 1.56 | 2.49 | 0.52 | 2.06 | 4.69 | 6.57 |
Returns over 1 year are annualized | Available data source: since Jan 1985
(*) Eastern Time (ET - America/New York)
US Inflation is updated to Oct 2023.
Waiting for updates, inflation of Nov 2023 is set to 0%.
Current inflation (annualized) is
1Y: 3.35%
, 5Y: 4.07%
, 10Y: 2.82%
, 30Y: 2.52%
Live update: World Markets and Indexes
In 2022, the Charles Schwab Conservative Income Portfolio granted a 2.82% dividend yield. If you are interested in getting periodic income, please refer to the Charles Schwab Conservative Income Portfolio: Dividend Yield page.
Capital Growth as of Nov 30, 2023
An investment of 1$, since December 1993,
now would be worth 3.49$, with a total return of 249.49% (4.26% annualized).
The Inflation Adjusted Capital now would be 1.66$, with a net total return of 65.62% (1.70% annualized).
The Inflation Adjusted Capital now would be 1.66$, with a net total return of 65.62% (1.70% annualized).
An investment of 1$, since January 1985,
now would be worth 8.46$, with a total return of 746.00% (5.64% annualized).
The Inflation Adjusted Capital now would be 2.90$, with a net total return of 189.54% (2.77% annualized).
The Inflation Adjusted Capital now would be 2.90$, with a net total return of 189.54% (2.77% annualized).
Readings that may interest you
Portfolio Metrics as of Nov 30, 2023
Metrics of Charles Schwab Conservative Income Portfolio, updated as of 30 November 2023.
Metrics are calculated based on monthly returns, assuming:
- no fees or capital gain taxes.
- a rebalancing of the components at every January 1st. How do returns change with different rebalancing strategies?
- the reinvestment of dividends.
CHARLES SCHWAB CONSERVATIVE INCOME PORTFOLIO
Advanced Metrics
Data Source: 1 January 1985 - 30 November 2023 (~39 years)
Swipe left to see all data
| Metrics as of Nov 30, 2023 | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y | 20Y | 30Y |
MAX
(~39Y) |
|
| Investment Return (%) | 3.47 | 0.74 | 0.90 | 1.95 | -1.56 | 1.71 | 1.85 | 3.14 | 4.26 | 5.64 |
| Infl. Adjusted Return (%) details | 3.47 | 0.53 | -0.27 | -1.35 | -6.90 | -2.27 | -0.94 | 0.53 | 1.70 | 2.77 |
| US Inflation (%) | 0.00 | 0.21 | 1.17 | 3.35 | 5.74 | 4.07 | 2.82 | 2.59 | 2.52 | 2.79 |
| Waiting for updates, inflation of Nov 2023 is temporarily set to 0%. Returns / Inflation rates over 1 year are annualized. | ||||||||||
|
DRAWDOWN
Inflation Adjusted:
Inflation Adjusted:
|
1Y | 3Y | 5Y | 10Y | 20Y | 30Y | MAX | |||
| Deepest Drawdown Depth (%) | -3.43 | -11.50 | -11.50 | -11.50 | -11.50 | -11.50 | -11.50 | |||
| Start to Recovery (# months) details | 7* | 23* | 23* | 23* | 23* | 23* | 23* | |||
| Start (yyyy mm) | 2023 05 | 2022 01 | 2022 01 | 2022 01 | 2022 01 | 2022 01 | 2022 01 | |||
| Start to Bottom (# months) | 6 | 9 | 9 | 9 | 9 | 9 | 9 | |||
| Bottom (yyyy mm) | 2023 10 | 2022 09 | 2022 09 | 2022 09 | 2022 09 | 2022 09 | 2022 09 | |||
| Bottom to End (# months) | 1 | 14 | 14 | 14 | 14 | 14 | 14 | |||
| End (yyyy mm) | - | - | - | - | - | - | - | |||
| Longest Drawdown Depth (%) |
same as deepest |
same as deepest |
same as deepest |
same as deepest |
same as deepest |
same as deepest |
same as deepest |
|||
| Start to Recovery (# months) details | ||||||||||
| Start (yyyy mm) | 2023 05 | 2022 01 | 2022 01 | 2022 01 | 2022 01 | 2022 01 | 2022 01 | |||
| Start to Bottom (# months) | 6 | 9 | 9 | 9 | 9 | 9 | 9 | |||
| Bottom (yyyy mm) | 2023 10 | 2022 09 | 2022 09 | 2022 09 | 2022 09 | 2022 09 | 2022 09 | |||
| Bottom to End (# months) | 1 | 14 | 14 | 14 | 14 | 14 | 14 | |||
| End (yyyy mm) | - | - | - | - | - | - | - | |||
| Longest negative period (# months) details | 11 | 36* | 52 | 52 | 52 | 52 | 52 | |||
| Period Start (yyyy mm) | 2022 12 | 2020 12 | 2019 07 | 2019 07 | 2019 07 | 2019 07 | 2019 07 | |||
| Period End (yyyy mm) | 2023 10 | 2023 11 | 2023 10 | 2023 10 | 2023 10 | 2023 10 | 2023 10 | |||
| Annualized Return (%) | -1.60 | -1.56 | -0.22 | -0.22 | -0.22 | -0.22 | -0.22 | |||
| Drawdowns / Negative periods marked with * are in progress | ||||||||||
| Deepest Drawdown Depth (%) | -5.82 | -22.37 | -22.37 | -22.37 | -22.37 | -22.37 | -22.37 | |||
| Start to Recovery (# months) details | 10* | 35* | 35* | 35* | 35* | 35* | 35* | |||
| Start (yyyy mm) | 2023 02 | 2021 01 | 2021 01 | 2021 01 | 2021 01 | 2021 01 | 2021 01 | |||
| Start to Bottom (# months) | 9 | 34 | 34 | 34 | 34 | 34 | 34 | |||
| Bottom (yyyy mm) | 2023 10 | 2023 10 | 2023 10 | 2023 10 | 2023 10 | 2023 10 | 2023 10 | |||
| Bottom to End (# months) | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||
| End (yyyy mm) | - | - | - | - | - | - | - | |||
| Longest Drawdown Depth (%) |
same as deepest |
same as deepest |
same as deepest |
same as deepest |
same as deepest |
same as deepest |
same as deepest |
|||
| Start to Recovery (# months) details | ||||||||||
| Start (yyyy mm) | 2023 02 | 2021 01 | 2021 01 | 2021 01 | 2021 01 | 2021 01 | 2021 01 | |||
| Start to Bottom (# months) | 9 | 34 | 34 | 34 | 34 | 34 | 34 | |||
| Bottom (yyyy mm) | 2023 10 | 2023 10 | 2023 10 | 2023 10 | 2023 10 | 2023 10 | 2023 10 | |||
| Bottom to End (# months) | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||
| End (yyyy mm) | - | - | - | - | - | - | - | |||
| Longest negative period (# months) details | 12* | 36* | 60* | 120* | 191 | 191 | 191 | |||
| Period Start (yyyy mm) | 2022 12 | 2020 12 | 2018 12 | 2013 12 | 2007 12 | 2007 12 | 2007 12 | |||
| Period End (yyyy mm) | 2023 11 | 2023 11 | 2023 11 | 2023 11 | 2023 10 | 2023 10 | 2023 10 | |||
| Annualized Return (%) | -1.35 | -6.90 | -2.27 | -0.94 | -0.02 | -0.02 | -0.02 | |||
| Drawdowns / Negative periods marked with * are in progress | ||||||||||
|
RISK INDICATORS
|
1Y | 3Y | 5Y | 10Y | 20Y | 30Y | MAX | |||
| Standard Deviation (%) | 5.65 | 5.42 | 4.88 | 3.87 | 3.82 | 3.61 | 3.83 | |||
| Sharpe Ratio | -0.52 | -0.64 | 0.01 | 0.21 | 0.49 | 0.56 | 0.43 | |||
| Sortino Ratio | -0.84 | -0.92 | 0.01 | 0.28 | 0.64 | 0.74 | 0.59 | |||
| Ulcer Index | 1.38 | 6.33 | 4.94 | 3.59 | 2.77 | 2.39 | 2.14 | |||
| Ratio: Return / Standard Deviation | 0.35 | -0.29 | 0.35 | 0.48 | 0.82 | 1.18 | 1.47 | |||
| Ratio: Return / Deepest Drawdown | 0.57 | -0.14 | 0.15 | 0.16 | 0.27 | 0.37 | 0.49 | |||
| % Positive Months details | 50% | 52% | 63% | 62% | 67% | 70% | 71% | |||
| Positive Months | 6 | 19 | 38 | 75 | 161 | 252 | 333 | |||
| Negative Months | 6 | 17 | 22 | 45 | 79 | 108 | 134 | |||
|
LONG TERM RETURNS
Inflation Adjusted:
Inflation Adjusted:
|
1Y | 3Y | 5Y | 10Y | 20Y | 30Y | MAX | |||
| Best 10 Years Return (%) - Annualized | 1.85 | 4.63 | 7.43 | 9.31 | ||||||
| Worst 10 Years Return (%) - Annualized | 1.26 | 1.26 | 1.26 | |||||||
| Best 10 Years Return (%) - Annualized | -0.94 | 2.50 | 4.88 | 5.51 | ||||||
| Worst 10 Years Return (%) - Annualized | -1.31 | -1.31 | -1.31 | |||||||
|
ROLLING PERIOD RETURNS
Inflation Adjusted:
Inflation Adjusted:
|
1Y | 3Y | 5Y | 10Y | 20Y | 30Y | MAX | |||
| Over the latest 30Y | ||||||||||
| Best Rolling Return (%) - Annualized | 15.82 | 10.10 | 7.68 | 7.43 | 5.87 | 4.26 | ||||
| Worst Rolling Return (%) - Annualized | -10.62 | -2.23 | 0.79 | 1.26 | 2.99 | |||||
| % Positive Periods | 86% | 95% | 100% | 100% | 100% | 100% | ||||
| Best Rolling Return (%) - Annualized | 12.96 | 7.35 | 5.11 | 4.88 | 3.53 | 1.70 | ||||
| Worst Rolling Return (%) - Annualized | -17.08 | -7.52 | -2.91 | -1.31 | 0.40 | |||||
| % Positive Periods | 70% | 88% | 92% | 91% | 100% | 100% | ||||
| Over all the available data source (Jan 1985 - Nov 2023) | ||||||||||
| Best Rolling Return (%) - Annualized | 25.02 | 12.90 | 10.75 | 9.31 | 8.24 | 6.90 | ||||
| Worst Rolling Return (%) - Annualized | -10.62 | -2.23 | 0.79 | 1.26 | 2.99 | 4.11 | ||||
| % Positive Periods | 88% | 96% | 100% | 100% | 100% | 100% | ||||
| Best Rolling Return (%) - Annualized | 22.27 | 9.59 | 6.83 | 5.51 | 5.09 | 4.10 | ||||
| Worst Rolling Return (%) - Annualized | -17.08 | -7.52 | -2.91 | -1.31 | 0.40 | 1.55 | ||||
| % Positive Periods | 72% | 91% | 94% | 94% | 100% | 100% | ||||
|
WITHDRAWAL RATES (WR)
|
1Y | 3Y | 5Y | 10Y | 20Y | 30Y | MAX | |||
| Safe WR (%) | 30.65 | 20.40 | 10.37 | 5.89 | 5.02 | 6.01 | ||||
| Perpetual WR (%) | 0.00 | 0.00 | 0.00 | 0.53 | 1.67 | 2.69 | ||||
- Annualized Portfolio Return: it's the annualized geometric mean return of the portfolio
- Deepest/Longest Drawdown: a drawdown refers to the decline in value from a relative peak value to a relative trough. The deepest (or maximum) drawdown is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained. The longest drawdown is the period observed from a peak to the subsequent peak with the greatest duration.
- Longest negative period: it's the maximum period for which an overall negative return has been observed
- Standard Deviation: it's a measure of the dispersion of returns around the mean
- Sharpe Ratio: it's a measure of risk-adjusted performance of the portfolio. It's calculated by dividing the excess return of the portfolio over the risk-free rate by the portfolio standard deviation. The risk-free rate here considered is the 1-3 Mth T-Bill return
- Sortino Ratio: another measure of risk-adjusted performance of the portfolio. It's a modification of the Sharpe Ratio (same formula but the denominator is the portfolio downside standard deviation)
- Ulcer Index: it's a measure of downside risk that quantifies the depth and duration of drawdowns in an investment portfolio
- Best/Worst 10Y returns: the best and the worst 10-year return over a time frame
- Rolling Returns: N-year returns over a time frame, calculated over all the available data source (best, worst, % of positive returns). Each rolling period, longer than the longest negative period, yielded a non-negative minimum return.
- Safe Withdrawal Rate (SWR): it's the percentage of the original portfolio balance that can be withdrawn at the end of each year with inflation adjustment, without the portfolio running out of money (dollar amount withdrawal).
- Perpetual Withdrawal Rate (PWR): it's the percentage of portfolio balance that can be withdrawn at the end of each year, while retaining the inflation adjusted portfolio balance (percentage withdrawal).
Analyze your Portfolio: Backtest Now!
Explore historical data since 1871 and fine-tune your investment strategy for better results.
Explore historical data since 1871 and fine-tune your investment strategy for better results.
Portfolio Components Correlation
Correlation measures to what degree the returns of the two assets move in relation to each other.
Correlation coefficient is a numerical value between -1 and +1. If one variable goes up by a certain amount, the correlation coefficient indicates which way the other variable moves and by how much.
Asset correlations are calculated based on monthly returns.
Asset correlations are calculated based on monthly returns.
COMPONENTS MONTHLY CORRELATIONS
Monthly correlations as of 30 November 2023
Swipe left to see all data
| Asset |
VNQ
|
BND
|
BIL
|
TIP
|
HYG
|
BNDX
|
|---|---|---|---|---|---|---|
|
VNQ
|
-
|
0.83
|
0.02
|
0.74
|
0.93
|
0.75
|
|
BND
|
0.83
|
-
|
0.00
|
0.95
|
0.93
|
0.89
|
|
BIL
|
0.02
|
0.00
|
-
|
-0.01
|
0.15
|
0.13
|
|
TIP
|
0.74
|
0.95
|
-0.01
|
-
|
0.89
|
0.90
|
|
HYG
|
0.93
|
0.93
|
0.15
|
0.89
|
-
|
0.89
|
|
BNDX
|
0.75
|
0.89
|
0.13
|
0.90
|
0.89
|
-
|
| Asset |
VNQ
|
BND
|
BIL
|
TIP
|
HYG
|
BNDX
|
|---|---|---|---|---|---|---|
|
VNQ
|
-
|
0.56
|
-0.14
|
0.66
|
0.81
|
0.58
|
|
BND
|
0.56
|
-
|
0.08
|
0.85
|
0.63
|
0.89
|
|
BIL
|
-0.14
|
0.08
|
-
|
-0.11
|
-0.03
|
0.11
|
|
TIP
|
0.66
|
0.85
|
-0.11
|
-
|
0.69
|
0.84
|
|
HYG
|
0.81
|
0.63
|
-0.03
|
0.69
|
-
|
0.70
|
|
BNDX
|
0.58
|
0.89
|
0.11
|
0.84
|
0.70
|
-
|
| Asset |
VNQ
|
BND
|
BIL
|
TIP
|
HYG
|
BNDX
|
|---|---|---|---|---|---|---|
|
VNQ
|
-
|
0.57
|
-0.12
|
0.63
|
0.69
|
0.58
|
|
BND
|
0.57
|
-
|
0.04
|
0.84
|
0.56
|
0.87
|
|
BIL
|
-0.12
|
0.04
|
-
|
-0.07
|
-0.02
|
0.03
|
|
TIP
|
0.63
|
0.84
|
-0.07
|
-
|
0.62
|
0.79
|
|
HYG
|
0.69
|
0.56
|
-0.02
|
0.62
|
-
|
0.59
|
|
BNDX
|
0.58
|
0.87
|
0.03
|
0.79
|
0.59
|
-
|
| Asset |
VNQ
|
BND
|
BIL
|
TIP
|
HYG
|
BNDX
|
|---|---|---|---|---|---|---|
|
VNQ
|
-
|
0.31
|
-0.02
|
0.33
|
0.69
|
0.29
|
|
BND
|
0.31
|
-
|
0.14
|
0.83
|
0.39
|
0.67
|
|
BIL
|
-0.02
|
0.14
|
-
|
0.09
|
-0.03
|
0.06
|
|
TIP
|
0.33
|
0.83
|
0.09
|
-
|
0.39
|
0.61
|
|
HYG
|
0.69
|
0.39
|
-0.03
|
0.39
|
-
|
0.39
|
|
BNDX
|
0.29
|
0.67
|
0.06
|
0.61
|
0.39
|
-
|
| Asset |
VNQ
|
BND
|
BIL
|
TIP
|
HYG
|
BNDX
|
|---|---|---|---|---|---|---|
|
VNQ
|
-
|
0.29
|
-0.02
|
0.30
|
0.67
|
0.27
|
|
BND
|
0.29
|
-
|
0.21
|
0.88
|
0.40
|
0.74
|
|
BIL
|
-0.02
|
0.21
|
-
|
0.15
|
0.01
|
0.15
|
|
TIP
|
0.30
|
0.88
|
0.15
|
-
|
0.39
|
0.72
|
|
HYG
|
0.67
|
0.40
|
0.01
|
0.39
|
-
|
0.40
|
|
BNDX
|
0.27
|
0.74
|
0.15
|
0.72
|
0.40
|
-
|
If you want to learn more about historical correlations, you can find out here how the main asset class are correlated to each other.
Drawdowns
A drawdown refers to the decline in value from a relative peak value to a relative trough. A maximum drawdown is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained.
CHARLES SCHWAB CONSERVATIVE INCOME PORTFOLIO
Drawdown periods
Drawdown periods - Inflation Adjusted
Data Source: 1 December 1993 - 30 November 2023 (30 Years)
Data Source: 1 January 1985 - 30 November 2023 (~39 years)
Swipe left to see all data
Drawdown period |
Recovery period |
Total |
|||||
|---|---|---|---|---|---|---|---|
| Drawdown | Start | Bottom | #Months | End | #Months | #Months | Ulcer Index |
| -11.50% | Jan 2022 | Sep 2022 | 9 | in progress | 14 | 23 | 7.84 |
| -7.01% | May 2008 | Oct 2008 | 6 | Jul 2009 | 9 | 15 | 3.26 |
| -4.80% | Feb 1994 | Jun 1994 | 5 | Mar 1995 | 9 | 14 | 3.45 |
| -4.32% | May 2013 | Aug 2013 | 4 | May 2014 | 9 | 13 | 2.65 |
| -2.79% | Apr 2004 | Apr 2004 | 1 | Aug 2004 | 4 | 5 | 1.77 |
| -2.57% | Mar 2020 | Mar 2020 | 1 | May 2020 | 2 | 3 | 1.29 |
| -2.55% | Aug 2016 | Nov 2016 | 4 | Aug 2017 | 9 | 13 | 1.16 |
| -2.38% | Feb 2015 | Jun 2015 | 5 | Mar 2016 | 9 | 14 | 1.59 |
| -2.06% | Jul 2003 | Jul 2003 | 1 | Sep 2003 | 2 | 3 | 1.25 |
| -1.96% | Feb 1996 | Apr 1996 | 3 | Sep 1996 | 5 | 8 | 1.17 |
| -1.84% | Jan 2018 | Feb 2018 | 2 | Aug 2018 | 6 | 8 | 0.98 |
| -1.43% | May 1999 | Aug 1999 | 4 | Feb 2000 | 6 | 10 | 0.80 |
| -1.40% | Jan 2021 | Mar 2021 | 3 | Jun 2021 | 3 | 6 | 0.72 |
| -1.33% | Feb 1999 | Feb 1999 | 1 | Apr 1999 | 2 | 3 | 0.82 |
| -1.32% | Sep 2018 | Oct 2018 | 2 | Jan 2019 | 3 | 5 | 0.65 |
Swipe left to see all data
Drawdown period |
Recovery period |
Total |
|||||
|---|---|---|---|---|---|---|---|
| Drawdown | Start | Bottom | #Months | End | #Months | #Months | Ulcer Index |
| -22.37% | Jan 2021 | Oct 2023 | 34 | in progress | 1 | 35 | 14.34 |
| -8.72% | Feb 2008 | Oct 2008 | 9 | Aug 2009 | 10 | 19 | 3.59 |
| -6.78% | Feb 1994 | Nov 1994 | 10 | May 1995 | 6 | 16 | 4.73 |
| -5.17% | Aug 2016 | Oct 2018 | 27 | Jun 2019 | 8 | 35 | 2.86 |
| -4.87% | May 2013 | Aug 2013 | 4 | Dec 2014 | 16 | 20 | 2.80 |
| -4.40% | Feb 2015 | Jun 2015 | 5 | Jul 2016 | 13 | 18 | 2.76 |
| -3.41% | Jan 1996 | May 1996 | 5 | Oct 1996 | 5 | 10 | 2.11 |
| -3.25% | Apr 2004 | May 2004 | 2 | Dec 2004 | 7 | 9 | 1.89 |
| -3.19% | Feb 1999 | Jan 2000 | 12 | Aug 2000 | 7 | 19 | 2.21 |
| -3.02% | Jul 2005 | May 2006 | 11 | Sep 2006 | 4 | 15 | 1.69 |
| -2.94% | Mar 2007 | Jun 2007 | 4 | Oct 2007 | 4 | 8 | 1.60 |
| -2.36% | Mar 2020 | Mar 2020 | 1 | Apr 2020 | 1 | 2 | 1.36 |
| -2.23% | Jun 2003 | Jul 2003 | 2 | Nov 2003 | 4 | 6 | 1.13 |
| -2.20% | Nov 2010 | Mar 2011 | 5 | Jul 2011 | 4 | 9 | 1.28 |
| -2.08% | Jan 2005 | Mar 2005 | 3 | Jun 2005 | 3 | 6 | 1.08 |
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Drawdown period |
Recovery period |
Total |
|||||
|---|---|---|---|---|---|---|---|
| Drawdown | Start | Bottom | #Months | End | #Months | #Months | Ulcer Index |
| -11.50% | Jan 2022 | Sep 2022 | 9 | in progress | 14 | 23 | 7.84 |
| -7.01% | May 2008 | Oct 2008 | 6 | Jul 2009 | 9 | 15 | 3.26 |
| -4.80% | Feb 1994 | Jun 1994 | 5 | Mar 1995 | 9 | 14 | 3.45 |
| -4.32% | May 2013 | Aug 2013 | 4 | May 2014 | 9 | 13 | 2.65 |
| -3.90% | Mar 1987 | Sep 1987 | 7 | Jan 1988 | 4 | 11 | 2.04 |
| -2.79% | Apr 2004 | Apr 2004 | 1 | Aug 2004 | 4 | 5 | 1.77 |
| -2.57% | Mar 2020 | Mar 2020 | 1 | May 2020 | 2 | 3 | 1.29 |
| -2.55% | Aug 2016 | Nov 2016 | 4 | Aug 2017 | 9 | 13 | 1.16 |
| -2.38% | Feb 2015 | Jun 2015 | 5 | Mar 2016 | 9 | 14 | 1.59 |
| -2.06% | Jul 2003 | Jul 2003 | 1 | Sep 2003 | 2 | 3 | 1.25 |
| -1.96% | Feb 1996 | Apr 1996 | 3 | Sep 1996 | 5 | 8 | 1.17 |
| -1.84% | Jan 2018 | Feb 2018 | 2 | Aug 2018 | 6 | 8 | 0.98 |
| -1.69% | May 1986 | May 1986 | 1 | Jun 1986 | 1 | 2 | 0.98 |
| -1.67% | Aug 1990 | Sep 1990 | 2 | Nov 1990 | 2 | 4 | 1.09 |
| -1.64% | Mar 1988 | May 1988 | 3 | Jun 1988 | 1 | 4 | 0.93 |
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Drawdown period |
Recovery period |
Total |
|||||
|---|---|---|---|---|---|---|---|
| Drawdown | Start | Bottom | #Months | End | #Months | #Months | Ulcer Index |
| -22.37% | Jan 2021 | Oct 2023 | 34 | in progress | 1 | 35 | 14.34 |
| -8.72% | Feb 2008 | Oct 2008 | 9 | Aug 2009 | 10 | 19 | 3.59 |
| -6.78% | Feb 1994 | Nov 1994 | 10 | May 1995 | 6 | 16 | 4.73 |
| -6.75% | Mar 1987 | Sep 1987 | 7 | Feb 1988 | 5 | 12 | 3.82 |
| -5.17% | Aug 2016 | Oct 2018 | 27 | Jun 2019 | 8 | 35 | 2.86 |
| -4.87% | May 2013 | Aug 2013 | 4 | Dec 2014 | 16 | 20 | 2.80 |
| -4.40% | Feb 2015 | Jun 2015 | 5 | Jul 2016 | 13 | 18 | 2.76 |
| -3.67% | Jan 1990 | Apr 1990 | 4 | Jan 1991 | 9 | 13 | 2.25 |
| -3.41% | Jan 1996 | May 1996 | 5 | Oct 1996 | 5 | 10 | 2.11 |
| -3.25% | Apr 2004 | May 2004 | 2 | Dec 2004 | 7 | 9 | 1.89 |
| -3.19% | Feb 1999 | Jan 2000 | 12 | Aug 2000 | 7 | 19 | 2.21 |
| -3.02% | Jul 2005 | May 2006 | 11 | Sep 2006 | 4 | 15 | 1.69 |
| -2.94% | Mar 2007 | Jun 2007 | 4 | Oct 2007 | 4 | 8 | 1.60 |
| -2.89% | Mar 1988 | May 1988 | 3 | Jan 1989 | 8 | 11 | 1.41 |
| -2.36% | Mar 2020 | Mar 2020 | 1 | Apr 2020 | 1 | 2 | 1.36 |
Rolling Returns
( more details)
A rolling return is a measure of investment performance that calculates the return of an investment over a set period of time, with the starting date rolling forward. This approach can provide a more accurate representation of the investment's historical performance and helps investors to evaluate the investment's consistency over time.
CHARLES SCHWAB CONSERVATIVE INCOME PORTFOLIO
Annualized Rolling Returns
Annualized Rolling Returns - Inflation Adjusted
Data Source: 1 December 1993 - 30 November 2023 (30 Years)
Data Source: 1 January 1985 - 30 November 2023 (~39 years)
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| Rolling Period |
Worst Period |
15th Percentile |
50th Percentile |
85th Percentile |
Best Period |
Latest | Negative Periods |
|||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ann. Return |
From To |
Growth of 1$ |
Ann. Return |
Growth of 1$ |
Ann. Return |
Growth of 1$ |
Ann. Return |
Growth of 1$ |
Ann. Return |
From To |
Growth of 1$ |
|||
| 1Y | -10.62 |
11/2021 10/2022 |
0.89$ | 0.18 | 1.00$ | 5.09 | 1.05$ | 8.54 | 1.08$ | 15.82 |
01/1995 12/1995 |
1.15$ | 1.95 | 13.75% |
| 2Y | -5.03 |
11/2021 10/2023 |
0.90$ | 1.60 | 1.03$ | 4.78 | 1.09$ | 7.67 | 1.15$ | 11.17 |
12/1994 11/1996 |
1.23$ | -3.42 | 6.23% |
| 3Y | -2.23 |
11/2020 10/2023 |
0.93$ | 2.02 | 1.06$ | 4.81 | 1.15$ | 7.16 | 1.23$ | 10.10 |
12/1994 11/1997 |
1.33$ | -1.56 | 4.62% |
| 5Y | 0.79 |
10/2017 09/2022 |
1.03$ | 2.17 | 1.11$ | 4.91 | 1.27$ | 6.78 | 1.38$ | 7.68 |
09/1996 08/2001 |
1.44$ | 1.71 | 0.00% |
| 7Y | 0.90 |
10/2016 09/2023 |
1.06$ | 2.43 | 1.18$ | 4.72 | 1.38$ | 6.61 | 1.56$ | 8.08 |
11/1994 10/2001 |
1.72$ | 1.63 | 0.00% |
| 10Y | 1.26 |
10/2012 09/2022 |
1.13$ | 3.13 | 1.36$ | 4.55 | 1.56$ | 6.27 | 1.83$ | 7.43 |
12/1994 11/2004 |
2.04$ | 1.85 | 0.00% |
| 15Y | 2.55 |
03/2008 02/2023 |
1.45$ | 3.61 | 1.70$ | 4.51 | 1.93$ | 5.92 | 2.37$ | 6.47 |
12/1994 11/2009 |
2.56$ | 3.12 | 0.00% |
| 20Y | 2.99 |
11/2003 10/2023 |
1.80$ | 3.69 | 2.06$ | 4.61 | 2.46$ | 5.42 | 2.87$ | 5.87 |
12/1994 11/2014 |
3.12$ | 3.14 | 0.00% |
| 30Y | 4.26 |
12/1993 11/2023 |
3.49$ | 4.26 | 3.49$ | 4.26 | 3.49$ | 4.26 | 3.49$ | 4.26 |
12/1993 11/2023 |
3.49$ | 4.26 | 0.00% |
| Annualized rolling and percentiles/median returns over full calendar month periods | ||||||||||||||
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| Rolling Period |
Worst Period |
15th Percentile |
50th Percentile |
85th Percentile |
Best Period |
Latest | Negative Periods |
|||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ann. Return |
From To |
Growth of 1$ |
Ann. Return |
Growth of 1$ |
Ann. Return |
Growth of 1$ |
Ann. Return |
Growth of 1$ |
Ann. Return |
From To |
Growth of 1$ |
|||
| 1Y | -17.08 |
10/2021 09/2022 |
0.82$ | -2.23 | 0.97$ | 2.58 | 1.02$ | 6.25 | 1.06$ | 12.96 |
01/1995 12/1995 |
1.12$ | -1.35 | 29.51% |
| 2Y | -10.19 |
10/2020 09/2022 |
0.80$ | -0.08 | 0.99$ | 2.24 | 1.04$ | 5.31 | 1.10$ | 9.75 |
11/2008 10/2010 |
1.20$ | -8.21 | 16.02% |
| 3Y | -7.52 |
11/2020 10/2023 |
0.79$ | 0.28 | 1.00$ | 2.29 | 1.07$ | 4.85 | 1.15$ | 7.35 |
12/1994 11/1997 |
1.23$ | -6.90 | 11.69% |
| 5Y | -2.91 |
11/2017 10/2022 |
0.86$ | 0.56 | 1.02$ | 2.55 | 1.13$ | 4.32 | 1.23$ | 5.11 |
09/1996 08/2001 |
1.28$ | -2.27 | 7.97% |
| 7Y | -2.54 |
10/2016 09/2023 |
0.83$ | 0.78 | 1.05$ | 2.42 | 1.18$ | 3.98 | 1.31$ | 5.44 |
11/1994 10/2001 |
1.44$ | -1.83 | 8.30% |
| 10Y | -1.31 |
11/2013 10/2023 |
0.87$ | 1.40 | 1.14$ | 2.26 | 1.25$ | 3.65 | 1.43$ | 4.88 |
01/1995 12/2004 |
1.61$ | -0.94 | 8.30% |
| 15Y | 0.16 |
11/2007 10/2022 |
1.02$ | 1.48 | 1.24$ | 2.43 | 1.43$ | 3.42 | 1.65$ | 3.89 |
12/1994 11/2009 |
1.77$ | 0.60 | 0.00% |
| 20Y | 0.40 |
11/2003 10/2023 |
1.08$ | 1.15 | 1.25$ | 2.44 | 1.61$ | 3.04 | 1.82$ | 3.53 |
02/1995 01/2015 |
2.00$ | 0.53 | 0.00% |
| 30Y | 1.70 |
12/1993 11/2023 |
1.65$ | 1.70 | 1.65$ | 1.70 | 1.65$ | 1.70 | 1.65$ | 1.70 |
12/1993 11/2023 |
1.65$ | 1.70 | 0.00% |
| Annualized rolling and percentiles/median returns over full calendar month periods | ||||||||||||||
Swipe left to see all data
| Rolling Period |
Worst Period |
15th Percentile |
50th Percentile |
85th Percentile |
Best Period |
Latest | Negative Periods |
|||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ann. Return |
From To |
Growth of 1$ |
Ann. Return |
Growth of 1$ |
Ann. Return |
Growth of 1$ |
Ann. Return |
Growth of 1$ |
Ann. Return |
From To |
Growth of 1$ |
|||
| 1Y | -10.62 |
11/2021 10/2022 |
0.89$ | 0.53 | 1.00$ | 5.63 | 1.05$ | 10.64 | 1.10$ | 25.02 |
04/1985 03/1986 |
1.25$ | 1.95 | 11.40% |
| 2Y | -5.03 |
11/2021 10/2023 |
0.90$ | 2.10 | 1.04$ | 5.54 | 1.11$ | 9.06 | 1.18$ | 17.39 |
03/1985 02/1987 |
1.37$ | -3.42 | 4.73% |
| 3Y | -2.23 |
11/2020 10/2023 |
0.93$ | 2.36 | 1.07$ | 5.61 | 1.17$ | 8.43 | 1.27$ | 12.90 |
10/1990 09/1993 |
1.43$ | -1.56 | 3.47% |
| 5Y | 0.79 |
10/2017 09/2022 |
1.03$ | 2.80 | 1.14$ | 5.69 | 1.31$ | 8.01 | 1.47$ | 10.75 |
09/1988 08/1993 |
1.66$ | 1.71 | 0.00% |
| 7Y | 0.90 |
10/2016 09/2023 |
1.06$ | 2.95 | 1.22$ | 5.75 | 1.47$ | 8.30 | 1.74$ | 10.76 |
01/1985 12/1991 |
2.04$ | 1.63 | 0.00% |
| 10Y | 1.26 |
10/2012 09/2022 |
1.13$ | 3.37 | 1.39$ | 5.78 | 1.75$ | 7.80 | 2.12$ | 9.31 |
03/1985 02/1995 |
2.43$ | 1.85 | 0.00% |
| 15Y | 2.55 |
03/2008 02/2023 |
1.45$ | 3.78 | 1.74$ | 5.76 | 2.31$ | 7.64 | 3.01$ | 8.49 |
03/1985 02/2000 |
3.39$ | 3.12 | 0.00% |
| 20Y | 2.99 |
11/2003 10/2023 |
1.80$ | 4.24 | 2.29$ | 5.66 | 3.00$ | 7.07 | 3.92$ | 8.24 |
01/1985 12/2004 |
4.87$ | 3.14 | 0.00% |
| 30Y | 4.11 |
11/1993 10/2023 |
3.34$ | 4.64 | 3.89$ | 5.66 | 5.22$ | 6.10 | 5.90$ | 6.90 |
03/1985 02/2015 |
7.39$ | 4.26 | 0.00% |
| Annualized rolling and percentiles/median returns over full calendar month periods | ||||||||||||||
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| Rolling Period |
Worst Period |
15th Percentile |
50th Percentile |
85th Percentile |
Best Period |
Latest | Negative Periods |
|||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ann. Return |
From To |
Growth of 1$ |
Ann. Return |
Growth of 1$ |
Ann. Return |
Growth of 1$ |
Ann. Return |
Growth of 1$ |
Ann. Return |
From To |
Growth of 1$ |
|||
| 1Y | -17.08 |
10/2021 09/2022 |
0.82$ | -2.06 | 0.97$ | 3.01 | 1.03$ | 7.59 | 1.07$ | 22.27 |
04/1985 03/1986 |
1.22$ | -1.35 | 27.19% |
| 2Y | -10.19 |
10/2020 09/2022 |
0.80$ | 0.18 | 1.00$ | 2.68 | 1.05$ | 6.01 | 1.12$ | 14.40 |
03/1985 02/1987 |
1.30$ | -8.21 | 12.61% |
| 3Y | -7.52 |
11/2020 10/2023 |
0.79$ | 0.67 | 1.02$ | 2.89 | 1.08$ | 5.41 | 1.17$ | 9.59 |
10/1990 09/1993 |
1.31$ | -6.90 | 8.80% |
| 5Y | -2.91 |
11/2017 10/2022 |
0.86$ | 0.81 | 1.04$ | 3.15 | 1.16$ | 4.81 | 1.26$ | 6.83 |
01/1985 12/1989 |
1.39$ | -2.27 | 5.88% |
| 7Y | -2.54 |
10/2016 09/2023 |
0.83$ | 1.07 | 1.07$ | 3.01 | 1.23$ | 4.93 | 1.40$ | 6.58 |
01/1985 12/1991 |
1.56$ | -1.83 | 5.99% |
| 10Y | -1.31 |
11/2013 10/2023 |
0.87$ | 1.68 | 1.18$ | 3.05 | 1.35$ | 4.76 | 1.59$ | 5.51 |
03/1985 02/1995 |
1.71$ | -0.94 | 5.75% |
| 15Y | 0.16 |
11/2007 10/2022 |
1.02$ | 1.74 | 1.29$ | 3.18 | 1.60$ | 4.51 | 1.93$ | 5.14 |
03/1985 02/2000 |
2.12$ | 0.60 | 0.00% |
| 20Y | 0.40 |
11/2003 10/2023 |
1.08$ | 2.06 | 1.50$ | 3.26 | 1.89$ | 3.97 | 2.17$ | 5.09 |
01/1985 12/2004 |
2.69$ | 0.53 | 0.00% |
| 30Y | 1.55 |
11/1993 10/2023 |
1.58$ | 2.08 | 1.85$ | 3.15 | 2.53$ | 3.37 | 2.70$ | 4.10 |
03/1985 02/2015 |
3.33$ | 1.70 | 0.00% |
| Annualized rolling and percentiles/median 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
In which months is it better to invest in Charles Schwab Conservative Income Portfolio?
Both the Average Return and the Gain Frequency (Win %) are useful to get an idea of what happened in the past.
For further information about the seasonality, check the Asset Class Seasonality page.
For further information about the seasonality, check the Asset Class Seasonality page.
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| Monthly Average Return (%) and Gain Frequency | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average Gain Frequency |
0.70
60% |
-0.55
40% |
-0.14
40% |
0.29
80% |
0.21
80% |
0.12
80% |
1.22
100% |
-0.23
40% |
-1.40
0% |
-0.05
60% |
1.46
100% |
0.19
80% |
| Best |
2.7 2023 |
0.5 2020 |
1.8 2023 |
2.4 2020 |
1.0 2019 |
1.1 2019 |
2.7 2022 |
1.9 2019 |
-0.3 2020 |
0.6 2021 |
3.5 2023 |
0.7 2021 |
| Worst |
-1.9 2022 |
-1.9 2023 |
-2.6 2020 |
-2.6 2022 |
-1.0 2023 |
-2.1 2022 |
0.2 2023 |
-2.4 2022 |
-3.7 2022 |
-0.9 2023 |
0.0 2019 |
-0.9 2022 |
Monthly Seasonality over the period Feb 1985 - Nov 2023
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| Monthly Average Return (%) and Gain Frequency | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average Gain Frequency |
0.68
70% |
-0.25
50% |
0.13
50% |
0.25
70% |
0.26
80% |
0.19
70% |
0.78
90% |
0.01
50% |
-0.86
20% |
-0.03
60% |
0.65
80% |
0.10
60% |
| Best |
2.7 2023 |
0.7 2014 |
1.8 2023 |
2.4 2020 |
1.0 2014 |
1.8 2016 |
2.7 2022 |
1.9 2019 |
0.2 2015 |
1.1 2014 |
3.5 2023 |
0.7 2021 |
| Worst |
-1.9 2022 |
-1.9 2023 |
-2.6 2020 |
-2.6 2022 |
-1.0 2023 |
-2.1 2022 |
-0.3 2014 |
-2.4 2022 |
-3.7 2022 |
-0.9 2016 |
-1.6 2016 |
-0.9 2022 |
Monthly Seasonality over the period Feb 1985 - Nov 2023
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| Monthly Average Return (%) and Gain Frequency | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average Gain Frequency |
0.67
79% |
0.22
69% |
0.26
59% |
0.40
74% |
0.50
67% |
0.55
74% |
0.72
79% |
0.47
72% |
0.17
62% |
0.32
72% |
0.56
74% |
0.73
74% |
| Best |
2.8 1988 |
3.3 1986 |
3.3 1986 |
2.4 2020 |
4.5 1985 |
2.8 1986 |
2.7 2022 |
2.5 1986 |
2.1 2003 |
1.9 1996 |
3.5 2023 |
4.9 2008 |
| Worst |
-1.9 2022 |
-2.2 2009 |
-2.6 2020 |
-2.8 2004 |
-2.1 2013 |
-2.1 2022 |
-2.1 2003 |
-2.4 2022 |
-3.7 2022 |
-5.2 2008 |
-1.6 2016 |
-0.9 2022 |
Monthly Seasonality over the period Feb 1985 - Nov 2023
Monthly Returns
This section provides a visual/tabular representation of the performance variability in the Charles Schwab Conservative Income Portfolio over time. It illustrates the distribution of monthly returns, showcasing the range and frequency of positive and negative returns.
CHARLES SCHWAB CONSERVATIVE INCOME PORTFOLIO
Monthly Returns Distribution
Data Source: 1 December 1993 - 30 November 2023 (30 Years)
Data Source: 1 January 1985 - 30 November 2023 (~39 years)
252 Positive Months (70%) - 108 Negative Months (30%)
333 Positive Months (71%) - 134 Negative Months (29%)
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(Scroll down to see all data)
Investment Returns, up to December 2013, are simulated.
They have been derived using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio.
In particular, the series derived from equivalent datasets are:
They have been derived using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio.
In particular, the series derived from equivalent datasets are:
- VNQ - Vanguard Real Estate, up to December 2004
- BND - Vanguard Total Bond Market, up to December 2007
- BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill, up to December 2007
- TIP - iShares TIPS Bond, up to December 2003
- HYG - iShares iBoxx $ High Yield Corporate Bond, up to December 2007
- BNDX - Vanguard Total International Bond, up to December 2013
Portfolio efficiency
The following portfolios granted a higher return over 30 Years and a less severe drawdown at the same time.
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30 Years Stats (%) |
% Allocation |
|||||||
|---|---|---|---|---|---|---|---|---|
| Portfolio | Return▾ | Dev.Std | Drawdown | Stocks | Bonds | Comm | ||
| Sheltered Sam 20/80 | +5.04 | 4.14 | -11.24 | 19.4 | 80 | 0.6 | ||
| Sheltered Sam 10/90 | +4.43 | 3.39 | -9.93 | 9.7 | 90 | 0.3 | ||
| Conservative Income | +4.26 | 3.61 | -11.50 | 5 | 95 | 0 | ||
Here's a list containing the Best Classic Portfolios, with the highest returns over 30 Years and Low Risk categorization.
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30 Years Stats (%) |
% Allocation |
|||||||
|---|---|---|---|---|---|---|---|---|
| Portfolio | Return▾ | Dev.Std | Drawdown | Stocks | Bonds | Comm | ||
| High Yield Bonds Income | +6.42 | 8.80 | -23.97 | 0 | 100 | 0 | ||
| Stocks/Bonds 20/80 Momentum | +6.01 | 4.94 | -17.91 | 20 | 80 | 0 | ||
| All Country World 20/80 | +5.64 | 5.63 | -17.97 | 20 | 80 | 0 | ||
| Stocks/Bonds 20/80 | +5.54 | 4.90 | -16.57 | 20 | 80 | 0 | ||
| Dimensional Retirement Income Fund | +5.36 | 4.79 | -12.91 | 20.4 | 79.6 | 0 | ||
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