SCHD/FBND 60/40
This portfolio consists of 10 dividend-paying stocks that could generate constant money flow in the long term.
Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
FBND Fidelity Total Bond ETF | Total Bond Market, Actively Managed | 40% |
SCHD Schwab US Dividend Equity ETF | Large Cap Growth Equities, Dividend | 60% |
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in SCHD/FBND 60/40, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends. The portfolio is rebalanced every 3 months.
The earliest data available for this chart is Oct 9, 2014, corresponding to the inception date of FBND
Returns By Period
As of Apr 26, 2025, the SCHD/FBND 60/40 returned -2.13% Year-To-Date and 7.25% of annualized return in the last 10 years.
| YTD | 1M | 6M | 1Y | 5Y* | 10Y* | |
|---|---|---|---|---|---|---|
^GSPC S&P 500 | -6.06% | -3.27% | -4.87% | 9.44% | 14.30% | 10.11% |
| SCHD/FBND 60/40 | -2.13% | -4.45% | -3.61% | 5.13% | 8.21% | 7.25% |
| Portfolio components: | ||||||
FBND Fidelity Total Bond ETF | 2.49% | 0.43% | 1.80% | 7.96% | 0.63% | 2.19% |
SCHD Schwab US Dividend Equity ETF | -5.19% | -7.66% | -7.13% | 3.11% | 13.15% | 10.28% |
Monthly Returns
The table below presents the monthly returns of SCHD/FBND 60/40, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | 1.40% | 2.43% | -0.74% | -5.07% | -2.13% | ||||||||
| 2024 | -0.02% | 0.67% | 3.18% | -3.66% | 1.98% | 0.39% | 4.68% | 2.00% | 1.06% | -0.81% | 3.28% | -4.75% | 7.84% |
| 2023 | 2.84% | -3.17% | 0.30% | -0.22% | -2.90% | 3.24% | 2.52% | -1.13% | -3.54% | -2.92% | 5.56% | 5.39% | 5.50% |
| 2022 | -2.44% | -1.64% | 0.77% | -3.89% | 2.31% | -5.75% | 3.58% | -2.68% | -6.11% | 6.36% | 5.72% | -2.38% | -6.90% |
| 2021 | -0.81% | 3.09% | 5.19% | 1.67% | 2.09% | -0.21% | 0.80% | 1.24% | -2.58% | 2.63% | -1.21% | 4.45% | 17.28% |
| 2020 | -0.37% | -5.10% | -7.72% | 8.48% | 2.89% | -0.12% | 4.19% | 3.00% | -1.65% | 0.04% | 8.62% | 2.08% | 13.86% |
| 2019 | 4.30% | 2.56% | 1.63% | 2.04% | -4.07% | 4.80% | 1.10% | 0.09% | 2.08% | 0.99% | 1.70% | 1.53% | 20.13% |
| 2018 | 2.37% | -3.79% | -1.33% | -0.89% | 1.30% | 0.49% | 2.78% | 1.58% | 0.61% | -3.89% | 2.06% | -4.30% | -3.33% |
| 2017 | -0.28% | 2.33% | 0.08% | 0.48% | 1.30% | -0.14% | 1.12% | 0.37% | 1.58% | 2.27% | 2.52% | 1.37% | 13.74% |
| 2016 | -1.16% | 0.48% | 4.55% | 0.72% | 0.81% | 2.46% | 2.32% | -0.07% | 0.27% | -1.17% | 1.02% | 1.81% | 12.55% |
| 2015 | -1.08% | 2.90% | -1.19% | 0.49% | 0.35% | -2.52% | 0.40% | -3.38% | -1.02% | 5.76% | 0.12% | -0.89% | -0.38% |
| 2014 | 2.43% | 2.06% | -0.71% | 3.80% |
Expense Ratio
SCHD/FBND 60/40 has an expense ratio of 0.18%, which is considered low. Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of SCHD/FBND 60/40 is 28, indicating average performance compared to other portfolios on our website. Here’s a breakdown of how it compares using common performance measures.
Risk-Adjusted Performance Indicators
This table presents a comparison of risk-adjusted performance metrics for positions. Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| Sharpe ratio | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio | |
|---|---|---|---|---|---|
FBND Fidelity Total Bond ETF | 1.34 | 1.96 | 1.23 | 0.71 | 3.88 |
SCHD Schwab US Dividend Equity ETF | 0.18 | 0.35 | 1.05 | 0.18 | 0.64 |
Dividends
Dividend yield
SCHD/FBND 60/40 provided a 4.28% dividend yield over the last twelve months.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Portfolio | 4.28% | 4.08% | 3.80% | 3.26% | 2.41% | 3.60% | 2.95% | 3.01% | 2.60% | 2.87% | 3.09% | 1.84% |
| Portfolio components: | ||||||||||||
FBND Fidelity Total Bond ETF | 4.61% | 4.73% | 4.26% | 3.07% | 1.86% | 4.25% | 2.90% | 2.93% | 2.56% | 2.84% | 3.26% | 0.66% |
SCHD Schwab US Dividend Equity ETF | 4.05% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% | 2.63% |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
Worst Drawdowns
The table below displays the maximum drawdowns of the SCHD/FBND 60/40. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the SCHD/FBND 60/40 was 22.52%, occurring on Mar 23, 2020. Recovery took 53 trading sessions.
The current SCHD/FBND 60/40 drawdown is 6.78%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -22.52% | Feb 13, 2020 | 27 | Mar 23, 2020 | 53 | Jun 8, 2020 | 80 |
| -15.49% | Jan 5, 2022 | 186 | Sep 30, 2022 | 363 | Mar 13, 2024 | 549 |
| -10.32% | Sep 24, 2018 | 64 | Dec 24, 2018 | 53 | Mar 13, 2019 | 117 |
| -10.04% | Dec 2, 2024 | 87 | Apr 8, 2025 | — | — | — |
| -9.08% | May 18, 2015 | 70 | Aug 25, 2015 | 141 | Mar 17, 2016 | 211 |
Volatility
Volatility Chart
The current SCHD/FBND 60/40 volatility is 6.95%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Diversification
Diversification Metrics
Number of Effective Assets
The portfolio contains 2 assets, with an effective number of assets of 1.92, reflecting the diversification based on asset allocation. This number of effective assets suggests a highly concentrated portfolio, where a few assets dominate the allocation, potentially increasing the portfolio's risk due to lack of diversification.
Asset Correlations Table
| ^GSPC | FBND | SCHD | Portfolio | |
|---|---|---|---|---|
| ^GSPC | 1.00 | 0.09 | 0.83 | 0.82 |
| FBND | 0.09 | 1.00 | 0.05 | 0.24 |
| SCHD | 0.83 | 0.05 | 1.00 | 0.97 |
| Portfolio | 0.82 | 0.24 | 0.97 | 1.00 |