Total Bond US vs Charles Schwab Conservative Income Portfolio Comparison

Last Update: 31 March 2024

The Total Bond US Portfolio obtained a 4.30% compound annual return, with a 4.21% standard deviation, in the last 30 Years.

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

Summary

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Total Bond US Portfolio Charles Schwab Conservative Income Portfolio
Portfolio Risk Low Low
Asset Allocation Stocks 0% 5%
Fixed Income 100% 95%
Commodities 0% 0%
30 Years Stats Return +4.30% +4.43%
Std Dev 4.21% 3.59%
Max Drawdown -17.28% -11.50%
All time Stats
(Since Jan 1985)		 Return +5.71% +5.67%
Std Dev 4.52% 3.84%
Max Drawdown -17.28% -11.50%
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
Total Bond US Portfolio +0.85 +5.87 +1.62 +0.32 +1.49 +4.30 +5.71
Charles Schwab Conservative Income Portfolio +0.74 +5.49 +3.15 +1.51 +1.99 +4.43 +5.67
Return over 1 year are annualized.

Capital Growth as of Mar 31, 2024

Total Bond US Portfolio: an investment of 1$, since April 1994, now would be worth 3.54$, with a total return of 253.70% (4.30% annualized).

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).

Total Bond US Portfolio: an investment of 1$, since January 1985, now would be worth 8.83$, with a total return of 782.62% (5.71% 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).

Drawdowns

Drawdown comparison chart since April 1994.

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Total Bond US Portfolio
Charles Schwab Conservative Income Portfolio
Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index		 Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index
-17.28% Aug 2020 Oct 2022 (27) In progress (44) 9.87
-11.50% Jan 2022 Sep 2022 (9) In progress (27) 7.50
-7.01% May 2008 Oct 2008 (6) Jul 2009 (15) 3.26
-4.32% May 2013 Aug 2013 (4) May 2014 (13) 2.65
-4.01% May 2013 Aug 2013 (4) May 2014 (13) 2.32
-3.88% Apr 2008 Oct 2008 (7) Dec 2008 (9) 1.46
-3.68% Aug 2016 Nov 2016 (4) Aug 2017 (13) 2.01
-3.47% Jun 2003 Jul 2003 (2) Jan 2004 (8) 1.59
-3.16% Feb 1996 May 1996 (4) Oct 1996 (9) 1.96
-3.03% Apr 2004 May 2004 (2) Aug 2004 (5) 2.03
-2.79% Apr 2004 Apr 2004 (1) Aug 2004 (5) 1.77
-2.67% Feb 2015 Jun 2015 (5) Feb 2016 (13) 1.47
-2.65% Jan 2009 Feb 2009 (2) Jun 2009 (6) 1.48
-2.64% Feb 1999 Aug 1999 (7) Mar 2000 (14) 1.55
-2.63% Sep 2017 Oct 2018 (14) Jan 2019 (17) 1.55
-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
-2.06% Jul 2003 Jul 2003 (1) Sep 2003 (3) 1.25
-1.96% Feb 1996 Apr 1996 (3) Sep 1996 (8) 1.17

Drawdown comparison chart since January 1985.

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Total Bond US Portfolio
Charles Schwab Conservative Income Portfolio
Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index		 Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index
-17.28% Aug 2020 Oct 2022 (27) In progress (44) 9.87
-11.50% Jan 2022 Sep 2022 (9) In progress (27) 7.50
-7.01% May 2008 Oct 2008 (6) Jul 2009 (15) 3.26
-5.86% Mar 1987 Sep 1987 (7) Jan 1988 (11) 3.00
-5.01% Feb 1994 Jun 1994 (5) Mar 1995 (14) 3.62
-4.80% Feb 1994 Jun 1994 (5) Mar 1995 (14) 3.45
-4.32% May 2013 Aug 2013 (4) May 2014 (13) 2.65
-4.01% May 2013 Aug 2013 (4) May 2014 (13) 2.32
-3.90% Mar 1987 Sep 1987 (7) Jan 1988 (11) 2.04
-3.88% Apr 2008 Oct 2008 (7) Dec 2008 (9) 1.46
-3.68% Aug 2016 Nov 2016 (4) Aug 2017 (13) 2.01
-3.47% Jun 2003 Jul 2003 (2) Jan 2004 (8) 1.59
-3.16% Feb 1996 May 1996 (4) Oct 1996 (9) 1.96
-3.03% Apr 2004 May 2004 (2) Aug 2004 (5) 2.03
-2.79% Apr 2004 Apr 2004 (1) Aug 2004 (5) 1.77
-2.67% Feb 2015 Jun 2015 (5) Feb 2016 (13) 1.47
-2.65% Jan 2009 Feb 2009 (2) Jun 2009 (6) 1.48
-2.64% Mar 1988 May 1988 (3) Sep 1988 (7) 1.20
-2.64% Feb 1999 Aug 1999 (7) Mar 2000 (14) 1.55
-2.63% Sep 2017 Oct 2018 (14) Jan 2019 (17) 1.55

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
-0.69%
 -1.53%
+0.03%
 -0.71%
2023
+5.41%
 -6.02%
+5.79%
 -3.43%
2022
-13.11%
 -15.50%
-9.97%
 -11.50%
2021
-1.86%
 -3.64%
+2.43%
 -1.40%
2020
+7.71%
 -1.59%
+5.45%
 -2.57%
2019
+8.83%
 -0.57%
+8.37%
 -0.27%
2018
-0.12%
 -2.57%
-0.17%
 -1.84%
2017
+3.57%
 -0.60%
+2.91%
 -0.28%
2016
+2.52%
 -3.68%
+3.48%
 -2.55%
2015
+0.56%
 -2.67%
-0.30%
 -2.38%
2014
+5.82%
 -0.57%
+5.05%
 -1.20%
2013
-2.10%
 -4.01%
-1.91%
 -4.32%
2012
+3.16%
 -0.88%
+4.58%
 -0.18%
2011
+7.92%
 -0.38%
+6.88%
 -0.61%
2010
+6.20%
 -1.70%
+6.25%
 -1.09%
2009
+3.64%
 -2.65%
+7.40%
 -3.86%
2008
+6.86%
 -3.88%
-0.05%
 -7.01%
2007
+6.92%
 -1.16%
+5.65%
 -1.21%
2006
+4.27%
 -1.30%
+5.45%
 -0.71%
2005
+2.40%
 -1.90%
+3.19%
 -1.10%
2004
+4.24%
 -3.03%
+5.92%
 -2.79%
2003
+3.97%
 -3.47%
+6.47%
 -2.06%
2002
+8.26%
 -1.46%
+7.47%
 -0.98%
2001
+8.43%
 -1.91%
+7.06%
 -0.84%
2000
+11.39%
 -0.65%
+10.92%
 -0.02%
1999
-0.76%
 -2.64%
+0.05%
 -1.43%
1998
+8.58%
 -0.55%
+6.75%
 -0.25%
1997
+9.44%
 -0.97%
+8.91%
 -0.83%
1996
+3.58%
 -3.16%
+5.56%
 -1.96%
1995
+18.18%
 -0.25%
+15.82%
 0.00%
1994
-2.66%
 -5.01%
-2.12%
 -4.80%
1993
+9.68%
 -0.97%
+10.51%
 -0.90%
1992
+7.14%
 -1.39%
+7.63%
 -1.15%
1991
+15.25%
 -0.06%
+15.73%
 -0.03%
1990
+8.65%
 -1.97%
+6.08%
 -1.67%
1989
+13.64%
 -1.60%
+11.52%
 -0.97%
1988
+7.35%
 -2.64%
+7.76%
 -1.64%
1987
+1.54%
 -5.86%
+2.12%
 -3.90%
1986
+15.10%
 -2.05%
+13.85%
 -1.69%
1985
+22.24%
 -2.00%
+19.26%
 -1.36%