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Charles Schwab Trust Bank Collective Investment Trust™ target date solutions

Pooled investment target date trusts exclusively for qualified retirement plans. 

Russian Sanctions: Impacts to the Schwab Target Date Solutions

2022 Glide Path and Portfolio Updates

Charles Schwab Trust Bank will be increasing equity by 2-5% across the SMRT and SIRT glide path effective February 1,2022. Additionally, there will be adjustments to the Real Estate and Inflation-Protected Bond a locations, and a fixed income strategy within the Schwab Institutional Core Plus Fixed Income Trust, which SMRT invests in, will be replaced. Please see the announcement and video for more details.

Announcement >

White Paper >

Explanatory Video >

What we offer

We offer access to blend and passive target date trusts for qualified retirement plans.  Our innovative target date trusts are comprehensive portfolios designed for the needs of individual investors in mind and to the highest fiduciary standards. Our trusts are maintained by Charles Schwab Trust Bank and have leveraged Schwab Asset Management's expertise to assist in their management since 20021

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Our approach

Schwab Trust Bank takes a behavioral-based approach to glide path design—focused on recognizing and reducing risks along the way to retirement and beyond—that leverages Schwab Asset Management’s investment research and deep asset allocation expertise. The products provide a carefully designed and balanced glide path using industry-recognized sub-advisors to provide institutional investment management benefits to plan participants.

Learn more about collective investment trusts at schwabtrustbankcollectives.com

Differentiators

  • Real-world glide path
  • Holistic portfolio construction
  • Comprehensive risk management

Benefits

  • Designed to help investors and plan participants stay invested across market conditions
  • Seek to minimize behavioral and investment risks throughout the investment cycle
  • Low-cost focus

Advisor tools

Use these financial tools to gain more comprehensive insight into investment products.

Fee impact simulator

Use the fee impact simulator to see the long-term effects of pricing on a portfolio.

Fund explorer

Help your clients get exceptional value from their investments with the fund explorer.

Featured Collective Investment Trusts

Charles Schwab Trust Bank Schwab Managed Retirement Trusts™

A combination of over 20 underlying non-proprietary active and passive strategies. Available for qualified retirement plans only.

Charles Schwab Trust Bank Schwab Indexed Retirement Trusts™

A combination of predominantly passive underlying strategies sub-advised or managed by industry-recognized investment managers. Available for qualified retirement plans only.