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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

Multi-asset

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

Multi-asset

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.

Market Commentary

Investors can be a fickle bunch when it comes to topic obsessions; but a persistent one this year is inflation. Bear with me on this topic—today’s report is a bit lengthier than usual, but it covers much of what has been top-of-mind for our investors and dives into implications for the stock market and valuations.

Schwab Market Update

U.S. equities are higher in afternoon trading, as the markets try to recover from the heavy losses suffered earlier in the week, with Information Technology and other growth-related issues leading the way. Stocks fell solidly in the first half of the week as further signs of inflation pressures exacerbated uncertainty regarding the timing of the tapering of asset purchases from the Federal Reserve. The rebound comes despite a negative reaction to Dow member Walt Disney's earnings report, a miss in April retail sales, and an unexpected decline in the May preliminary University of Michigan Consumer Sentiment Index, which was bogged down by inflation worries. However, DoorDash and Airbnb are moving nicely higher in the wake of their earnings releases. Treasuries are gaining modest ground to apply slight downside pressure on yields and the U.S. dollar is falling, while gold and crude oil prices are higher. Europe closed out the wild week with widespread gains.