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Combine the power of index investing and asset allocation with Schwab MarketTrack Portfolios®.

These four portfolios offer a choice of asset allocations with varying levels of potential risk.

  • Choice

    Choose the portfolio that best matches your risk tolerance.

    • All Equity Tooltip
    • Growth Tooltip
    • Balanced Tooltip
    • Conservative Tooltip

  • Features

    Diversification – Get an all-in-one mix of investments.

    Automatic rebalancing – We do the work for you.

    No investment minimum

How it works

The Schwab MarketTrack Portfolios combine Fundamental Index® Tooltip and market-cap index strategies Tooltip , each with a different mix of diverse investments allowing you to choose a portfolio that best matches your risk tolerance and goals.

Venn Diagram showing how MarketTrack Portfolios deliver benefits of fundamental index and market-cap index strategies to potentially add diversification

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Get a diversified retirement portfolio with Schwab Target Date Funds.

  • Choice

    Schwab Target Index Funds – Composed primarily of passive index Schwab ETFs.

    • Schwab Target Funds – Composed of passive and active investments from Schwab and third parties.
    • Schwab Target Index Funds – Composed primarily of passive index-based ETFs from Schwab.

  • Features

    Diversification – Get an all-in-one mix of investments.

    Annual Rebalance – We do the work for you.

    No investment minimum

How it works

Target date funds are designed to help you avoid one of the most common investing pitfalls—failing to adjust your portfolio for your changing financial needs over time. With Schwab Target Date Funds, Schwab Asset Management reallocates the fund's investments along what is called a "glide path," moving from more aggressive to more conservative as the target date approaches and beyond, helping to reduce risk and prepare you for retirement.  

Chart showing how target date funds provide income into retirement by shifting allocations from equities to fixed income

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Generate income in retirement with Schwab Monthly Income Funds.¹

Three fund options to help meet your income needs.  

  • Choice

    Choose your desired payout:

    • Income Payout Tooltip
    • Flexible Payout Tooltip
    • Target Payout Tooltip

  • Features

    Designed to provide monthly income 

    Well diversified mutual funds - Underlying stock and bond mutual funds and ETFs 

    Low expense ratios
     

How it works

Schwab Monthly Income Funds are a suite of three all-in-one mutual funds designed to help meet investors' retirement or other income needs. Schwab Asset Management allocates asset classes according to the payout policy of each Fund.

Schwab Monthly Income Fund - Income Payout 
(SWLRX)
 Schwab Monthly Income Fund - Flexible Payout 
(SWKRX)
 Schwab Monthly Income Fund - Target Payout
(SWJRX)
Managed Payout Policy
 Designed to offer an annual payout based on underlying fund yields and the market environment Designed to offer a targeted annual payout during most market environments and seeks to maximize annual payout while maintaining or growing the level of original investment over the long term Designed to offer a targeted annual payout of approximately 5% during most market environments
Target Annual Payout
0%–3% low-rate environment
3%–5% normal-rate environment
5%+ high-rate environment
 4%–6% 5%
Payout Source
  • Interest
  • Dividends
  • Capital gains
  • Interest
  • Dividends
  • Return of capital†
  • Capital gains
  • Interest
  • Dividends
  • Return of capital†
  • Capital gains

†A return of capital is a distribution from the shareholder’s investment principal, rather than net profits from the Fund’s returns. Shareholders who receive periodic distributions consisting of a return of capital may be under the impression that they are receiving net profits when they are not. Return of capital reduces your cost basis in the Fund’s shares and is not taxable to you until your cost basis has been reduced to zero.

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