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Multi-asset funds can provide diversification with the convenience of a single fund.

Target Date Funds designed to work past retirement. What a welcome alternative.

Not only are we proud to offer some of the lowest-cost Target Date Funds available with no minimums, we use a behavioral approach to managing risk when it matters most, near and throughout retirement.

See how Schwab Target Index Funds Compare

The lowest-cost target date mutual funds that are accessible to any investor at no minimum.

Product 1 Net expenses Minimum investment
Schwab Target Index Funds 0.08%2 $0
Fidelity Freedom® Index 0.08% $5 million3
State Street Target Retirement 0.09% $04
Vanguard Institutional Target Retirement 0.09% $5 million
TIAA-CREF Lifecycle Index 0.10% $10 million5

What we offer

Since 1995, we’ve managed a lineup of multi-asset mutual funds. Now, we offer target date, target risk, and managed payout multi-asset mutual funds—a comprehensive selection of product solutions at competitive pricing, for both individuals and employer-sponsored retirement plans. And for qualified retirement plans, there are the Charles Schwab Trust Bank Collective Investment Trusts.6


Our approach

We take a behavioral-based approach to asset allocation—an approach designed to help investors stay invested across market conditions, and that leverages our investment research and deep asset allocation expertise. To meet investor needs, we utilize a variety of underlying strategy types, including proprietary and non-proprietary as well as active and passive strategies. And our pricing approach seeks to give everyone—even the smallest business—access to a range of quality target date funds at competitive prices.

A behavioral-driven glide path design

Our target date solutions are managed to seek more growth when investors can take on more risk and greater stability when they need to rely on their investments. By taking a behavioral-driven approach to asset allocation, our carefully balanced glide path is designed to help investors reach their goals up to and through retirement.

Learn more about how our glide path allocates assets over time


Advisor tools

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

Advisor tools

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 multi-asset funds

See our highlighted multi-asset funds, or browse all our investment products.

Schwab Target Index Funds

A low cost target date fund series composed of Schwab ETFsTM.

Schwab Target Funds

A combination of active and passively managed holdings in proprietary and externally managed mutual funds.

Multi-asset insights

See what our executives and strategists have to say about multi-asset and target date investing.


Traders are starting to turn their attention to the ‘Softs” markets of late
Schwab Market Update

U.S. equities finished the final session of July lower, while also posting losses on a weekly basis, as investors mulled a host of items, including the possible implications of the spreading Delta variant, China's recent crackdown on big companies, and a flood of earnings and economic data. As the busiest week of earnings season came to a close,'s miss on revenues and softer-than-expected guidance weighed heavily on its shares, as well as the Consumer Discretionary sector and the broader markets. Meanwhile, the Street cheered results from Procter & Gamble even as the company warned of higher commodity cost headwinds, while Dow members Chevron missed revenue forecasts and Caterpillar noted supply chain challenges and higher manufacturing costs. On the economic front, personal income and spending topped estimates and Chicago manufacturing growth surprisingly accelerated, while consumer sentiment was revised higher but still below the prior month's level. Treasuries were higher, applying downside pressure on yields, and the U.S. dollar rose, while crude oil prices saw only modest gains and gold was lower. Overseas, Europe finished in the red after a two-day winning streak amid the continued Delta uncertainty and China's recent crackdown, and markets in Asia also saw losses.

We break down which retirement accounts—IRAs or 401(k)s— may be right for you.