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Multi-asset

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

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.

Multi-asset
Multi-asset

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

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™.1

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 ETFs.

Schwab Target Funds

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

Schwab Model Portfolios

Low cost, well diversified portfolios that combine various investment products in a building block approach.

See Schwab’s full multi-asset lineup

Advisor tool

Fee impact simulator

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

Fee impact simulator
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1. Schwab Asset Management provides non-discretionary advisory services to the Charles Schwab Trust Bank Collective Investment Trusts, including research recommendations relating to asset allocation, portfolio construction, cash-flow monitoring and adviser selection and monitoring.

Information provided here represents Schwab Asset Management®'s emerging thoughts on portfolio construction, and changes may occur in the future as Schwab Asset Management conducts additional research. As a result, future allocations may or may not be materially different.

This information should not be relied upon as investment advice, research, or a recommendation by Schwab Asset Management regarding the use or suitability of the model portfolio allocations. This information is intended for use only by third party financial advisors, with other information, as a resource to help build a portfolio or as an input in the development of investment advice for their own clients. Such financial advisors are responsible for making their own independent judgment as to how to use this information, and only clients and their advisors know enough about their financial circumstances to make investment decisions. Schwab Asset Management does not have investment discretion over or place trade orders for any portfolios or accounts derived from this information. There is no guarantee that any investment strategy illustrated will be successful or achieve any particular level of results.

Schwab Target Date Solutions include Schwab Managed Retirement Trusts (SMRT) and Schwab Index Retirement Trusts (SIRT), maintained by Charles Schwab Trust Bank (CSTB), and Schwab Target Funds and Schwab Target Index Funds, managed by Schwab Asset Management.

Investors in mutual funds and ETFs should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges and expenses. You can obtain a prospectus by visiting schwabassetmanagement.com/prospectus. Please read it carefully before investing.

Target date funds are built for investors who expect to start gradual withdrawals of fund assets on the target date to begin covering expenses in retirement. The values of the target date funds will fluctuate up to and after the target date. There is no guarantee the funds will provide adequate income at or through retirement.

Target date funds’ asset allocations are subject to change over time in accordance with each fund’s offering document. The funds are subject to market volatility and risks associated with the underlying investments. Risks include exposure to international and emerging markets, small company and sector equity securities, and fixed income securities subject to changes in inflation, market valuations, liquidity, prepayments, and early redemption.

Diversification, asset allocation and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.

Some specialized exchange-traded funds can be subject to additional market risks. 

Schwab Trust Bank Collective Investment Trusts

The Schwab Managed Retirement Trust Funds™, Schwab Indexed Retirement Trust Funds™ and Schwab Institutional Trust Funds™ (each a “Trust”, collectively the “Trusts” or “Collective Investment Trusts (CITs)”) are collective investment trusts maintained by Charles Schwab Trust Bank (CSTB), as trustee. They are available for investment only by eligible retirement plans and entities. Charles Schwab Trust Bank’s Collective Investment Trusts are not insured by FDIC or any other type of deposit insurance; are not deposits or other obligations of, and are not guaranteed by CSTB or any of its affiliates; and involve investment risks, including possible loss of principal invested. The Trusts are not mutual funds and are exempt from registration and regulation under the Investment Company Act of 1940 (the “1940 Act”), and their units are not registered under the Securities Act of 1933, or applicable securities laws of any state or other jurisdiction. Unit holders of the Trusts are not entitled to the protections of the 1940 Act. The decision to invest in the Trusts should be carefully considered. The Trusts’ unit values will fluctuate and may be worth more or less when redeemed, so unit holders may lose money. The Trusts are not sold by prospectus and are not available for investment by the public. The Trusts’ prices are not quoted in newspapers.

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Investment and Insurance Products Are: Not FDIC Insured • Not Insured by Any Federal Government Agency • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any of Its Affiliates • Subject to Investment Risks, Including Possible Loss of Principal Amount Invested

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