Charles Schwab Conservative Income vs Stocks/Bonds 20/80 Portfolio Comparison

Last Update: 29 February 2024

The Charles Schwab Conservative Income Portfolio obtained a 4.32% compound annual return, with a 3.63% standard deviation, in the last 30 Years.

The Stocks/Bonds 20/80 Portfolio obtained a 5.66% compound annual return, with a 4.92% standard deviation, in the last 30 Years.

Summary

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Charles Schwab Conservative Income Portfolio Stocks/Bonds 20/80 Portfolio
Portfolio Risk Low Low
Asset Allocation Stocks 5% 20%
Fixed Income 95% 80%
Commodities 0% 0%
30 Years Stats Return +4.32% +5.66%
Std Dev 3.63% 4.92%
Max Drawdown -11.50% -16.57%
All time Stats
(Since Jan 1985)
Return +5.66% +7.02%
Std Dev 3.84% 5.21%
Max Drawdown -11.50% -16.57%
Last Update: 29 February 2024

Historical Returns as of Feb 29, 2024

Comparison period starts from January 1985

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1M 6M 1Y 5Y 10Y 30Y MAX
Charles Schwab Conservative Income Portfolio -0.54 +2.84 +4.27 +1.68 +1.91 +4.32 +5.66
Stocks/Bonds 20/80 Portfolio -0.02 +4.68 +8.40 +3.30 +3.58 +5.66 +7.02
Return over 1 year are annualized.

Capital Growth as of Feb 29, 2024

Charles Schwab Conservative Income Portfolio: an investment of 1$, since March 1994, now would be worth 3.56$, with a total return of 255.65% (4.32% annualized).

Stocks/Bonds 20/80 Portfolio: an investment of 1$, since March 1994, now would be worth 5.21$, with a total return of 421.19% (5.66% annualized).

Charles Schwab Conservative Income Portfolio: an investment of 1$, since January 1985, now would be worth 8.64$, with a total return of 763.62% (5.66% annualized).

Stocks/Bonds 20/80 Portfolio: an investment of 1$, since January 1985, now would be worth 14.26$, with a total return of 1326.23% (7.02% annualized).

Drawdowns

Drawdown comparison chart since March 1994.

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Charles Schwab Conservative Income Portfolio
Stocks/Bonds 20/80 Portfolio
Drawdown Start Bottom
Date (#Months)
Recovery
Date (#Months)
Ulcer
Index
Drawdown Start Bottom
Date (#Months)
Recovery
Date (#Months)
Ulcer
Index
-16.57% Jan 2022 Sep 2022 (9) In progress (26) 10.75
-11.50% Jan 2022 Sep 2022 (9) In progress (26) 7.58
-8.42% May 2008 Oct 2008 (6) Jul 2009 (15) 4.07
-7.01% May 2008 Oct 2008 (6) Jul 2009 (15) 3.26
-4.32% May 2013 Aug 2013 (4) May 2014 (13) 2.65
-3.92% Feb 2020 Mar 2020 (2) Apr 2020 (3) 1.96
-3.69% Mar 1994 Jun 1994 (4) Feb 1995 (12) 2.23
-3.33% Mar 1994 Jun 1994 (4) Feb 1995 (12) 2.36
-2.79% Apr 2004 Apr 2004 (1) Aug 2004 (5) 1.77
-2.67% Sep 2018 Oct 2018 (2) Jan 2019 (5) 1.60
-2.58% Apr 2004 May 2004 (2) Sep 2004 (6) 1.65
-2.57% Mar 2020 Mar 2020 (1) May 2020 (3) 1.29
-2.56% May 2013 Jun 2013 (2) Oct 2013 (6) 1.44
-2.55% Aug 2016 Nov 2016 (4) Aug 2017 (13) 1.16
-2.40% Aug 2016 Nov 2016 (4) Apr 2017 (9) 1.09
-2.38% Feb 2015 Jun 2015 (5) Mar 2016 (14) 1.59
-2.23% Apr 2000 May 2000 (2) Jun 2000 (3) 1.33
-2.17% Feb 1999 Feb 1999 (1) Apr 1999 (3) 1.18
-2.15% Jul 1998 Aug 1998 (2) Sep 1998 (3) 1.09
-2.13% Jul 2003 Jul 2003 (1) Sep 2003 (3) 1.21

Drawdown comparison chart since January 1985.

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Charles Schwab Conservative Income Portfolio
Stocks/Bonds 20/80 Portfolio
Drawdown Start Bottom
Date (#Months)
Recovery
Date (#Months)
Ulcer
Index
Drawdown Start Bottom
Date (#Months)
Recovery
Date (#Months)
Ulcer
Index
-16.57% Jan 2022 Sep 2022 (9) In progress (26) 10.75
-11.50% Jan 2022 Sep 2022 (9) In progress (26) 7.58
-8.42% May 2008 Oct 2008 (6) Jul 2009 (15) 4.07
-7.01% May 2008 Oct 2008 (6) Jul 2009 (15) 3.26
-6.14% Sep 1987 Nov 1987 (3) Feb 1988 (6) 3.45
-5.50% Feb 1994 Jun 1994 (5) Feb 1995 (13) 3.71
-4.80% Feb 1994 Jun 1994 (5) Mar 1995 (14) 3.45
-4.32% May 2013 Aug 2013 (4) May 2014 (13) 2.65
-3.92% Feb 2020 Mar 2020 (2) Apr 2020 (3) 1.96
-3.90% Mar 1987 Sep 1987 (7) Jan 1988 (11) 2.04
-3.14% Sep 1986 Sep 1986 (1) Nov 1986 (3) 1.66
-3.09% Aug 1990 Sep 1990 (2) Nov 1990 (4) 2.07
-2.99% Apr 1987 May 1987 (2) Jul 1987 (4) 1.88
-2.91% Jan 1990 Jan 1990 (1) May 1990 (5) 1.94
-2.79% Apr 2004 Apr 2004 (1) Aug 2004 (5) 1.77
-2.67% Sep 2018 Oct 2018 (2) Jan 2019 (5) 1.60
-2.58% Apr 2004 May 2004 (2) Sep 2004 (6) 1.65
-2.57% Mar 2020 Mar 2020 (1) May 2020 (3) 1.29
-2.56% May 2013 Jun 2013 (2) Oct 2013 (6) 1.44
-2.55% Aug 2016 Nov 2016 (4) Aug 2017 (13) 1.16

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
-0.71%
-0.71%
+0.07%
-0.02%
2023
+5.79%
-3.43%
+9.54%
-5.62%
2022
-9.97%
-11.50%
-14.39%
-16.57%
2021
+2.43%
-1.40%
+3.64%
-1.82%
2020
+5.45%
-2.57%
+10.38%
-3.92%
2019
+8.37%
-0.27%
+13.20%
-0.07%
2018
-0.17%
-1.84%
-1.13%
-2.67%
2017
+2.91%
-0.28%
+7.10%
-0.02%
2016
+3.48%
-2.55%
+4.58%
-2.40%
2015
-0.30%
-2.38%
+0.52%
-1.90%
2014
+5.05%
-1.20%
+7.16%
-0.89%
2013
-1.91%
-4.32%
+5.01%
-2.56%
2012
+4.58%
-0.18%
+5.82%
-0.62%
2011
+6.88%
-0.61%
+6.53%
-0.88%
2010
+6.25%
-1.09%
+8.44%
-0.76%
2009
+7.40%
-3.86%
+8.69%
-5.67%
2008
-0.05%
-7.01%
-1.91%
-8.42%
2007
+5.65%
-1.21%
+6.61%
-0.76%
2006
+5.45%
-0.71%
+6.55%
-1.09%
2005
+3.19%
-1.10%
+3.18%
-1.84%
2004
+5.92%
-2.79%
+5.95%
-2.58%
2003
+6.47%
-2.06%
+9.33%
-2.13%
2002
+7.47%
-0.98%
+2.51%
-2.13%
2001
+7.06%
-0.84%
+4.55%
-1.99%
2000
+10.92%
-0.02%
+7.00%
-2.23%
1999
+0.05%
-1.43%
+4.16%
-2.17%
1998
+6.75%
-0.25%
+11.52%
-2.15%
1997
+8.91%
-0.83%
+13.75%
-1.70%
1996
+5.56%
-1.96%
+7.06%
-1.44%
1995
+15.82%
0.00%
+21.70%
0.00%
1994
-2.12%
-4.80%
-2.16%
-5.50%
1993
+10.51%
-0.90%
+9.87%
-1.10%
1992
+7.63%
-1.15%
+7.53%
-1.25%
1991
+15.73%
-0.03%
+18.68%
-1.05%
1990
+6.08%
-1.67%
+5.70%
-3.09%
1989
+11.52%
-0.97%
+16.54%
-0.87%
1988
+7.76%
-1.64%
+9.35%
-2.17%
1987
+2.12%
-3.90%
+1.75%
-6.14%
1986
+13.85%
-1.69%
+15.00%
-3.14%
1985
+19.26%
-1.36%
+24.05%
-1.20%