Multi-asset
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
Featured multi-asset funds
See our highlighted multi-asset funds, or browse all our investment products.
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.
As the calendar turns to spring, Washington seems to be finally catching its breath after a frantic first quarter of 2021, which began with riots at the US Capitol and continued through the inauguration of a new president, the impeachment of the previous president, and the remarkably quick passage of a $1.9 trillion economic stimulus bill—the second-largest stimulus package ever signed into law.
