Windhaven® Strategies

Global Diversification. Tactical Positioning.

Seizing global opportunities while navigating changing markets

Windhaven Strategies’ mission is to manage globally diversified, multi-asset portfolios that adapt to changing markets. We allocate across stocks, bonds, and real assets to help smooth the ride for our clients and make it easier for them to stay invested as markets ebb and flow. Our process emphasizes research, data, risk management, and low costs so clients can rely on Windhaven Strategies as a core allocation within their broader financial plan.

Portfolio Management for the Windhaven Strategies is provided by Schwab Asset Management®.

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Investment Philosophy and Process

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Research

With Windhaven Strategies, proprietary research is the foundation of every investment decision. We study the interaction of economic growth, inflation, valuations, and investor behavior to understand current market conditions. Our research translates data into forward-looking views about risk and opportunity across asset classes and regions.

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Portfolios

We build globally diversified portfolios across stocks, bonds, and real assets. Our disciplined process focuses on balancing risk and return potential using low cost, liquid ETFs to deliver precise asset class exposure.

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Implementation

We implement portfolios with a disciplined trading process designed to minimize costs and turnover. Careful execution helps ensure that portfolio results reflect investment decisions.

Our Strategies

We offer three dynamically managed strategies for different risk tolerances. Each combines global diversification across stocks, bonds, and real assets and adapts to changing market conditions to help investors stay invested and aligned with their long-term goals.

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Diversified Conservative

Designed for capital preservation and stability. Emphasizes high-quality bonds with a smaller allocation to equities to support modest growth while aiming to reduce drawdowns.

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Diversified Growth

Balanced for long-term investors. Combines meaningful equity exposure with bonds and real assets to pursue growth while helping investors stay invested through market ups and downs.

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Diversified Aggressive

Built for long time horizons and higher risk tolerance. Allocates primarily to global equities and real assets to maximize long-term growth potential while accepting higher short-term volatility.

• Global Equities • Bonds • Real assets

Our Insights

Quarterly Quadrant

2026 Q1

Quarterly Quadrant

2025 Q4

Quarterly Quadrant

2025 Q3

Quarterly Quadrant

2025 Q2

Quarterly Commentary

2026 Q1

Quarterly Commentary

2025 Q4

Questions?

Find your regional representative who can help get you answers.

There are risks associated with any investment approach, and Windhaven Strategies have their own set of risks to be aware of. First, there are the risks associated with the long-term strategic holdings for each of the strategies. The more aggressive the Windhaven strategy selected, the more likely the strategy will contain larger weights in riskier asset classes, such as equities. Second, there are distinct risks associated with the Windhaven Strategies’ shorter-term tactical allocations, which can result in more concentration toward a certain asset class or classes. This introduces the risk that Windhaven Strategies could be on the wrong side of a tactical overweight, thus resulting in a drag on overall performance or loss of principal.

Portfolio management for Windhaven Strategies is provided by Schwab Asset Management. Please refer to the Charles Schwab Investment Management, Inc. Disclosure Brochure for additional information. Investments in managed accounts should be considered in view of a larger, more diversified investment portfolio.

​Asset classes and the proportional weightings in the strategies may change at any time without notice subject to the discretion of the Charles Schwab Investment Management, Inc. Portfolio Management Team.

The information herein was obtained from a variety of sources we consider reliable, but we do not represent that the information is accurate or complete. Errors and omissions can occur. Please refer to your account statements and/or trade confirmations which are the official record of your account activity. None of the information constitutes a recommendation or a solicitation of an offer to buy or sell any product or service. All expressions of opinion are subject to change without notice in reaction to shifting market conditions.

Diversification strategies do not ensure a profit and do not protect against losses in declining markets.

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