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Schwab Portfolios™
A diversified portfolio is closer than you think
Want investments that work hard for you but not sure where to start? Now there's an easy way to own a diversified mutual fund portfolio that puts Schwab's investing expertise to work for you.
Simply choose your risk profile and the amount you want to invest to see a suggested portfolio of no-load, no-transaction fee funds across asset classes designed to match the risk profile you chose. The portfolios are comprised of funds that use Schwab Equity Ratings, our industry-recognized stock-rating methodology, and/or carefully screened, leading funds from our Mutual Fund OneSource Select List®
For more information, contact a Schwab representative at 866-246-8374.
To get started, select an account, your risk profile, and an investment amount to the right. Need help choosing your risk profile? Complete the risk profile questionnaire.
Important Information about Schwab Portfolios
Collapse AllSchwab Portfolios are designed to help you achieve diversification across multiple funds in a variety of asset classes.
If you would prefer to invest in a single fund that offers broad diversification or if you have less than the suggested minimums, consider the Schwab Target Funds, five funds designed to help you manage your retirement needs, or choose a balanced fund from Schwab's Mutual Fund OneSource Select List®, any of which can provide broad diversification in a single fund. The Mutual Fund OneSource Select List can also provide you with an array of quality mutual fund investment options in other asset categories.
You can choose a Schwab Portfolio for your 401(k) rollover even before your assets are received at Schwab. Contact a Schwab Rollover Consultant to learn more.
Schwab Portfolios™ are designed to help investors diversify their portfolios using Schwab's asset allocation models, which range from conservative to aggressive. These models were designed to help investors determine their appropriate allocation of assets across various types of investments, based on their financial goals, risk tolerance and time horizon.
Within Schwab Portfolios, clients may choose to invest in a version that consists of a combination of Schwab affiliated funds and unaffiliated, third-party funds ("SP Blend"), or clients may choose to invest in a portfolio that consists entirely of third-party, unaffiliated funds ("SP Third-Party").
SP Blend Portfolio
The domestic equity mutual funds in SP Blend are composed of Schwab affiliated funds, primarily those that employ Schwab Equity Ratings in the selection of the stocks in the funds. Schwab Equity Ratings is Schwab's proprietary equity rating approach, which objectively evaluates stocks on the basis of a wide variety of investment metrics from four broad categories: fundamentals, valuation, momentum, and risk. Historically, these investment criteria have been found by Schwab to indicate stock price performance. Schwab Equity Ratings are designed to identify stocks that will outperform, or underperform, the market as a whole over the next 12 months.
The international equities and fixed-income portions are comprised of unaffiliated third-party funds from the Mutual Fund One Source Select List™. The funds on the Select List are chosen through a disciplined evaluation process incorporating both quantitative and qualitative criteria, including, among other factors, historical performance, risk, and expenses. For more information on how Schwab chooses funds for the OneSource Select List, click here.
SP Third-Party Portfolio
All of the funds in SP Third-Party are unaffiliated, third-party funds chosen from the OneSource Select List.
When choosing which funds to include in either the SP Blend or SP Third-Party portfolios, Schwab will generally select the most favorably evaluated Schwab affiliated or third-party fund within each asset category, as applicable. However, Schwab may select a less favorably evaluated fund if it believes that the fund's investment style better compliments the investment styles of the other funds selected for the particular portfolio.
Schwab and its affiliates receive fees from the affiliated Schwab funds for investment advisory, administrative and transfer agency services as well as shareholder and other fund services. Schwab also receives remuneration from fund companies and/or their affiliates participating in Schwab's Mutual Fund OneSource® service for the recordkeeping, shareholder services and other administrative services Schwab provides to Schwab customers who are shareholders of the funds. The aggregate fees Schwab or its affiliates receive from Schwab SER Funds and other affiliated Schwab Funds (see fund prospectuses for more details) is greater than the remuneration Schwab receives from fund companies participating in Schwab's Mutual Fund OneSource service.
Schwab Portfolios are intended to achieve adequate risk-adjusted returns relative to each portfolio's investment profile. They are not designed to include only the highest performing funds or to maximize investment return. Schwab will periodically review each Schwab Portfolio and, consequently, may change the composition of suggested funds within a given portfolio over time.
No mention of particular funds within a Schwab Portfolio should be construed as a recommendation or considered an offer to buy or sell, a solicitation of an offer to buy, or a recommendation of any securities. Schwab Portfolios are intended as an investment resource and are provided only for general information purposes. This information should not be considered an individualized recommendation or personalized investment advice. The securities listed may not be suitable for everyone. Each investor needs to review a security transaction for his or her own particular situation.
The following minimum initial investments are suggested to ensure adequate diversification and to enhance the effectiveness of the Schwab Portfolios™:
- Retirement accounts: $10,000
- Non-retirement accounts: $12,500
Additional important information
The funds for Schwab Portfolios are composed of Schwab affiliated funds, primarily those that employ Schwab Equity Ratings ("Schwab SER Funds"), and also favorably evaluated third party funds on the Mutual Fund One Source Select List™ that work well together within a single portfolio. SER is Schwab's proprietary equity rating approach, which objectively evaluates stocks on the basis of a wide variety of investment metrics from four broad categories: fundamentals, valuation, momentum and risk. Historically, these investment criteria have been found by Schwab to indicate stock price performance. SER is designed to identify stocks that will outperform, or underperform, the market as a whole over the next 12 months. Select List funds are chosen through a disciplined evaluation process incorporating both quantitative and qualitative criteria, including, among other factors, historical performance, risk and expenses.
No mention of particular funds or fund families here should be construed as a recommendation or considered an offer to sell or a solicitation to buy any securities. This information is provided for general information purposes only and should not be considered an individualized recommendation or personalized investment advice. You should not buy or sell any mutual fund investment without first considering whether it is appropriate for you based on your own particular situation. Please note that Schwab will not perform any suitability analysis to check, for example, whether the mutual fund portfolio you select is consistent with your investment objectives. You alone are responsible for making this investment decision and for rebalancing or re-allocating the Mutual Fund Portfolio in the future due to changing market conditions.
Complete the risk profile questionnaire.
Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by calling 1-800-435-4000. Please read the prospectus carefully before investing.
Investment value will fluctuate, and shares, when redeemed, may be worth more or less than original cost.
Charles Schwab & Co., Inc. (member SIPC) receives remuneration from fund companies in the Mutual Fund OneSource® service for recordkeeping and shareholder services, and other administrative services. Schwab and its affiliates also receive fees from the Schwab Affiliate Funds for investment advisory, administrative and transfer agency services, as well as shareholder and other fund services. The aggregate fees Schwab or its affiliates receive from Schwab Affiliate Funds (see fund prospectus for more details) is generally greater than the remuneration Schwab receives from fund companies participating in Schwab Mutual Fund OneSource service.
Schwab's short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Schwab's Mutual Fund OneSource® service (and certain other funds with no transaction fee) and held for 90 days or less. Schwab reserves the right to exempt certain funds from this fee, including Schwab Funds®, which may charge a separate redemption fee, and funds that accommodate short-term trading. For each of these trade orders placed through a broker, a $25 service charge applies. Funds are also subject to management fees and expenses.
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