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Charles Schwab Trust Bank Collective Investment Trust™ target date solutions

Pooled investment target date trusts exclusively for qualified retirement plans.

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.

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 2002.1

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
Learn more about collective investment trusts at schwabtrustbankcollectives.com

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Featured Collective Investment Trusts

Charles Schwab Trust Bank Schwab Managed Retirement Trusts™

The Schwab Managed Retirement Trusts employ both active and passive strategies and are diversified through exposure to a variety of asset classes.

Charles Schwab Trust Bank Schwab Indexed Retirement Trusts™

The Schwab Indexed Retirement Trusts primarily use passive strategies and are diversified through exposure to a variety of asset classes.

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.

The values of the Trusts will fluctuate up to and after the target date. There is no guarantee the Trusts will provide adequate income at or through retirement.

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.

​The Trusts 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, interest rates, market valuations, liquidity, prepayments, and early redemption.

The Schwab Managed Retirement Trust Funds™, Schwab Indexed Retirement Trust Funds™ and Schwab Institutional Trust Funds™(each a “Fund”, collectively the “Funds” or “Collective Trust Funds (CTFs)”) are collective trust funds 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 Trust Funds 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 Funds 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 Funds are not entitled to the protections of the 1940 Act. The decision to invest in the Funds should be carefully considered. The Funds’ unit values will fluctuate and may be worth more or less when redeemed, so unit holders may lose money. The Funds are not sold by prospectus and are not available for investment by the public. The Funds’ prices are not quoted in newspapers.

The Charles Schwab Corporation provides services to retirement and other employee benefit plans and participants through its separate but affiliated companies and subsidiaries: Charles Schwab Trust Bank (CSTB); Charles Schwab & Co., Inc.; Schwab Asset Management®, the dba name for Charles Schwab Investment Management, Inc.; and Schwab Retirement Plan Services, Inc. Trust, custody and deposit products and service are available through CSTB, Member FDIC. Brokerage products and services are offered by Charles Schwab & Co., Inc. (Member SIPC). Schwab Retirement Plan Services, Inc. is not a fiduciary to retirement plans or participants and only provides recordkeeping and related services to retirement plans. Schwab Asset Management provides investment research, non-discretionary advisory and fund administration services to CSTB and the Trusts. Schwab Asset Management is an investment adviser registered with the Securities and Exchange Commission. 

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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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