Automated Investing | Schwab Intelligent Portfolios | Charles Schwab

Time 2020-12-24 16:04:30

Web Name: Automated Investing | Schwab Intelligent Portfolios | Charles Schwab

WebSite: http://intelligent.schwab.com

ID:144711

Keywords:

Schwab,Investing,Automated,

Description:

Gentle music plays. A single line forms the shape of a house and a tree; another line forms a cloud. Birds are chirping.Male narrator: We all have goals, ambitions, things we'd like to do or have one day.The line forms a sailboat bobbing on the waves. Seagulls cry and waves crash. The waves calm down and a sun appears on the horizon.Narrator: Some goals can be hard to plan for, but making a plan and sticking to it generally leads to greater financial success.Charles Schwab logo appears.Narrator: Schwab Intelligent Portfolios® is an automated investment advisory service that can make it easier to save for any goal. And we'll help you stay on track, too.Onscreen text:Planning for retirement incomeSaving for collegeSaving for retirementNarrator: Created with the professional insight of Charles Schwab Investment Advisory…A circle graph illustrates components of fixed income, cash, commodities, and stocks strategies.Narrator: …Schwab Intelligent Portfolios uses an advanced algorithm to build, monitor, and rebalance your portfolio so you don't have to.Overlapping sine waves appear, then form an antenna tower, which transforms into a balance scale that shifts into balance.Narrator: Let's take a closer lookAnimated brunette appears shoulders up framed within a circle.Woman: I want to save for retirement, but my life is busy, so I don't really have time to think about it. I'm setting money aside, but I worry if I'm on track.Onscreen text: Am I on track to save for retirement?Screengrab of the Schwab Intelligent Portfolios® page. Sound of typing.Narrator: With Schwab Intelligent Portfolios, saving for your retirement can be easier. Want to get started?Screengrab of Intelligent Portfolios page asking about goals for the account. Cursor selects "prepare for retirement" and "Next."Narrator: When you set up your account, you'll choose your goal for this account.Under question about understanding of stocks, bonds, and ETFs, cursor selects "good," then "Next."Narrator: Then you'll answer a few questions.Client selects demographics and specific goals.Narrator: You'll tell us your initial investment amount, and how much you think you'll save every month.A personalized circle graph details a suggested personal portfolio.Narrator: We'll recommend a portfolio based on your responses, and we'll track your progress against the goal you've set.Client dashboard appears.Narrator: You can check the status of your goal at any time on your dashboard.Line drawing of house reappears, now with rain clouds and a rising water line. Water gurgles.Narrator: But let's say over time, you take money out…Line transforms into an ambulance with its siren beeping.Narrator: You skip a monthly contribution, or the market changes…An exclamation mark appears within a triangle, indicating a notification.Narrator: Your dashboard will alert you if you're falling short of your goal.Screen switches back to dashboard; cursor selects the "Goal" tab. Cursor slides the "Monthly Contribution" scale to the right.Narrator: To help you get back on track, click on the "Goal" tab, and choose one of the options.A line drawing of a piggy bank appears with coins dropping into it.Narrator: Saving is just the beginning.Shopping bag falls to the right of the piggy bank.Narrator: When you're ready to spend your money, we can help you with that, too.Animated gray-haired man appears shoulders up framed within a circle.Man: I'd like to be able to withdraw from my retirement savings every month, but I want to make it last.Onscreen text: How much can I withdraw for retirement income?Page appears where client selects demographics and specific goals; cursor slides bars to the right to indicate factors in saving for retirement.Narrator: Simply tell us your initial investment, how long you need the money to last, and we'll tell you how much money you can confidently withdraw each month.Screengrab of Income Goal Setup.Narrator: If you need to spend a little more some months and you get off track…Cursor selects "Activity."Narrator: Your dashboard will alert you.Cursor selects "Goal."Narrator: Clicking on "Goal" will show you options to help you get back to a steady, long-lasting income stream.Narrator reads onscreen text: It really is that simple.Line drawing of a car drives to the house, with the sound of the road swishing and birds chirping, and the sailboat continues to sail on smooth water with the sun out and seagulls crying.Narrator: Whatever your financial goal is, Schwab Intelligent Portfolios can make it easier for you to follow through with your plan and stay on track.The frame pauses on the sun at the horizon, then switches to the Charles Schwab logo.Onscreen text:Please read the Schwab Intelligent Portfolios Solutions™ disclosure brochures for important information, pricing, and disclosures related to the Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs.Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium™ are made available through Charles Schwab Co., Inc. ("Schwab"), a dually registered investment advisor and broker-dealer. Portfolio management services are provided by Charles Schwab Investment Advisory, Inc. ("CSIA"). Schwab and CSIA are subsidiaries of The Charles Schwab Corporation.There is no advisory fee or commissions charged for Schwab Intelligent Portfolios. For Schwab Intelligent Portfolios Premium, the advisory fees consist of $300 upon enrollment and an additional $30 per month charged on a quarterly basis as detailed in the Schwab Intelligent Portfolios Solutions™ disclosure brochures. Investors in Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium (collectively, "Schwab Intelligent Portfolios Solutions") do pay direct and indirect costs. These include ETF operating expenses which are the management and other fees the underlying ETFs charge all shareholders. The portfolios include a cash allocation to a deposit account at Schwab Bank. Our affiliated bank earns income on the deposits, and earns more the larger the cash allocation is. The lower the interest rate Schwab Bank pays on the cash, the lower the yield. Some cash alternatives outside of Schwab Intelligent Portfolios Solutions pay a higher yield. Deposits held at Schwab Bank are protected by FDIC insurance up to allowable limits per depositor, per account ownership category. Schwab Intelligent Portfolios Solutions invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management, receives management fees on those ETFs. Schwab Intelligent Portfolios Solutions also invests in third party ETFs. Schwab receives compensation from some of those ETFs for providing shareholder services, and also from market centers where ETF trade orders are routed for execution. Fees and expenses will lower performance, and investors should consider all program requirements and costs before investing. Expenses and their impact on performance, conflicts of interest, and compensation that Schwab and its affiliates receive are detailed in the Schwab Intelligent Portfolios Solutions disclosure brochures.The cash allocation in Schwab Intelligent Portfolios Solutions™ will be accomplished through enrollment in the Schwab Intelligent Portfolios Sweep Program (Sweep Program), a program sponsored by Charles Schwab Co., Inc. By enrolling in Schwab Intelligent Portfolios Solutions, clients consent to having the free credit balances in their Schwab Intelligent Portfolios Solutions brokerage accounts swept to deposit accounts at Charles Schwab Bank through the Sweep Program. Charles Schwab Bank is an FDIC‐insured depository institution affiliated with Charles Schwab Co., Inc. and Charles Schwab Investment Advisory, Inc.Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium™ are designed to monitor portfolios on a daily basis and will also automatically rebalance as needed to keep the portfolio consistent with the client’s selected risk profile. Trading may not take place daily.Tax‐loss harvesting is available for clients with invested assets of $50,000 or more in their account. Clients must choose to activate this feature. The tax‐loss harvesting feature that is available with Schwab Intelligent Portfolios Solutions™ is subject to significant limitations which are described on the Schwab Intelligent Portfolios Solutions website and mobile application (collectively, the “Website") as well as in the Schwab Intelligent Portfolios Solutions™ disclosure brochures (the “Brochures"), and the IRS website at www.irs.gov. You should consider whether to activate the tax‐loss harvesting feature based on your particular circumstances and the potential impact tax‐loss harvesting may have on your tax situation. You should read the tax‐loss harvesting disclosures on the Website and in the Brochures before choosing the tax‐loss harvesting feature. Neither the tax‐loss harvesting strategy nor any discussion herein is intended as tax advice, and neither Charles Schwab Co., Inc. nor its affiliates, including but not limited to Charles Schwab Investment Advisory, Inc., represents that any particular tax consequences will be obtained.Diversification, automatic investing and rebalancing strategies do not ensure a profit and do not protect against losses.©2019 Charles Schwab Co., Inc. All rights reserved. Member SIPC. Unauthorized access is prohibited. Usage will be monitored. Our robo-advisor builds, monitors, and automatically rebalances a diversified portfolio based on your goals. 24/7 live support from U.S.-based service professionals. Get started with as little as $5,000. An ETF (exchange-traded fund) contains a portfolio of securities, such as stocks or bonds, and it trades intraday on an exchange. A low-cost way to build a diversified portfolio, an ETF can provide diversified exposure to a particular segment of the market, to a specific industry, or to a particular geographical region. With Schwab Intelligent Portfolios, you'll get a portfolio of ETFs chosen by experts who use their professional insight to pare down more than 1,800 ETFs to the 53 across 20 asset classes that will be considered for the portfolios. Experts monitor ETFs to ensure they remain appropriate for the portfolio's strategy. (ETFs). Just as if you'd invested on your own, you will pay the operating expenses on the ETFs in your portfolio, which includes Schwab ETFs™. We believe cash is a key component of an investment portfolio. Based on your risk profile, a portion of your portfolio is placed in an FDIC-insured deposit at Schwab Bank. Some cash alternatives outside of the program pay a higher yield.  There is no advisory fee or commissions charged for Schwab Intelligent Portfolios. For Schwab Intelligent Portfolios Premium, there is an initial planning fee of $300 upon enrollment and a $30 per month advisory fee charged on a quarterly basis as detailed in the Schwab Intelligent Portfolios Solutions™ disclosure brochures. Investors in Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium (collectively, “Schwab Intelligent Portfolios Solutions”) do pay direct and indirect costs. These include ETF operating expenses which are the management and other fees the underlying ETFs charge all shareholders. The portfolios include a cash allocation to a deposit account at Schwab Bank. Our affiliated bank earns income on the deposits, and earns more the larger the cash allocation is. The lower the interest rate Schwab Bank pays on the cash, the lower the yield. Some cash alternatives outside of Schwab Intelligent Portfolios Solutions pay a higher yield. Deposits held at Schwab Bank are protected by FDIC insurance up to allowable limits per depositor, per account ownership category. Schwab Intelligent Portfolios Solutions invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management, receives management fees on those ETFs. Schwab Intelligent Portfolios Solutions also invests in third party ETFs. Schwab receives compensation from some of those ETFs for providing shareholder services, and also from market centers where ETF trade orders are routed for execution. Fees and expenses will lower performance, and investors should consider all program requirements and costs before investing. Expenses and their impact on performance, conflicts of interest, and compensation that Schwab and its affiliates receive are detailed in the Schwab Intelligent Portfolios Solutions disclosure brochures. Complete a short questionnaire to establish your goals, risk tolerance, and timeline. Get a diversified portfolio of ETFs chosen by experts. Our robo-advisor monitors your portfolio daily and automatically rebalances it as needed. Our robo-advisor can help you invest for retirement, college, vacations, building long-term wealth, or creating a sustainable income stream. Here's what you get with Schwab Intelligent Portfolios.With Schwab Intelligent Portfolios, you'll get a portfolio of exchange-traded funds (ETFs) chosen by experts who use their professional insight to pare down more than 1,800 ETFs to the 51, across 20+ expanded asset classes, that will be considered for the portfolios. Experts monitor ETFs to ensure they remain appropriate for the portfolio's strategy.More information For illustrative purposes only. Not representative of any specific investment or account.Our robo-advisor technology monitors and automatically rebalances your investments to help keep you diversified and on track.More information  If an investment declines in value, our automatic tax-loss harvesting can help you offset the taxes on investment gains. Tax-loss harvesting is available for clients with invested assets of $50,000 or more in their Schwab Intelligent Portfolios account. Clients must enroll to receive this service. Please be aware that the ability to realize significant tax benefits from tax-loss harvesting depends upon a variety of factors, and no assurance can be offered that a particular investor will in fact realize significant tax benefits. There are different account types to choose from, including brokerage, IRA, custodial, and trust accounts.More information Unlimited 1:1 guidance from a CERTIFIED FINANCIAL PLANNER™ professional. A digital financial plan that provides a customized roadmap for reaching your goals. Interactive online planning tools. Please read the Schwab Intelligent Portfolios Solutions™ disclosure brochures for important information, pricing, and disclosures related to the Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs.Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium™ are made available through Charles Schwab Co. Inc. ("Schwab"), a dually registered investment advisor and broker dealer. Portfolio management services are provided by Charles Schwab Investment Advisory, Inc. ("CSIA"). Schwab and CSIA are subsidiaries of The Charles Schwab Corporation.There is no advisory fee or commissions charged for Schwab Intelligent Portfolios. For Schwab Intelligent Portfolios Premium, there is an initial planning fee of $300 upon enrollment and a $30 per month advisory fee charged on a quarterly basis as detailed in the Schwab Intelligent Portfolios Solutions™ disclosure brochures. Investors in Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium (collectively, "Schwab Intelligent Portfolios Solutions") do pay direct and indirect costs. These include ETF operating expenses which are the management and other fees the underlying ETFs charge all shareholders. The portfolios include a cash allocation to a deposit account at Schwab Bank. Our affiliated bank earns income on the deposits, and earns more the larger the cash allocation is. The lower the interest rate Schwab Bank pays on the cash, the lower the yield. Some cash alternatives outside of Schwab Intelligent Portfolios Solutions pay a higher yield. Deposits held at Schwab Bank are protected by FDIC insurance up to allowable limits per depositor, per account ownership category. Schwab Intelligent Portfolios Solutions invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management, receives management fees on those ETFs. Schwab Intelligent Portfolios Solutions also invests in third party ETFs. Schwab receives compensation from some of those ETFs for providing shareholder services, and also from market centers where ETF trade orders are routed for execution. Fees and expenses will lower performance, and investors should consider all program requirements and costs before investing. Expenses and their impact on performance, conflicts of interest, and compensation that Schwab and its affiliates receive are detailed in the Schwab Intelligent Portfolios Solutions disclosure brochures.The cash allocation in Schwab Intelligent Portfolios Solutions™ will be accomplished through enrollment in the Schwab Intelligent Portfolios Sweep Program (Sweep Program), a program sponsored by Charles Schwab Co., Inc. By enrolling in Schwab Intelligent Portfolios Solutions, clients consent to having the free credit balances in their Schwab Intelligent Portfolios Solutions brokerage accounts swept to deposit accounts at Charles Schwab Bank through the Sweep Program. Charles Schwab Bank is an FDIC-insured depository institution affiliated with Charles Schwab Co., Inc. and Charles Schwab Investment Advisory, Inc.Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium™ are designed to monitor portfolios on a daily basis and will also automatically rebalance as needed to keep the portfolio consistent with the client's selected risk profile. Trading may not take place daily.Tax-loss harvesting is available for clients with invested assets of $50,000 or more in their account. Clients must choose to activate this feature. The tax-loss harvesting feature that is available with Schwab Intelligent Portfolios Solutions™ is subject to significant limitations which are described on the Schwab Intelligent Portfolios Solutions website and mobile application (collectively, the "Website") as well as in the Schwab Intelligent Portfolios Solutions™ disclosure brochures (the "Brochures"), and the IRS website at www.irs.gov. You should consider whether to activate the tax-loss harvesting feature based on your particular circumstances and the potential impact tax-loss harvesting may have on your tax situation. You should read the tax-loss harvesting disclosures on the Website and in the Brochures before choosing the tax-loss harvesting feature. Neither the tax-loss harvesting strategy nor any discussion herein is intended as tax advice, and neither Charles Schwab Co., Inc. nor its affiliates, including but not limited to Charles Schwab Investment Advisory, Inc., represents that any particular tax consequences will be obtained.Diversification, automatic investing and rebalancing strategies do not ensure a profit and do not protect against losses.*Source: Schwab Center for Financial Research, with data from Morningstar, Inc. Risk is based on the standard deviation of a hypothetical moderate asset allocation rebalanced annually, from 1970 to 2016. The moderate allocation is 35% large-cap stocks, 10% small-cap stocks, 15% international stocks, 35% bonds, and 5% cash investments. The indices representing each asset class are S P 500® index (large-cap stocks), Russell 2000® index (small-cap stocks), MISCI EAFE® Net of Taxes (international stocks), Barclays U.S. Aggregate index (bonds), and Citigroup U.S. 3-month Treasury investments prior to 1978. Indices are unmanaged, do not incur fees or expenses, and cannot be invested in directly.Past performance is no indication of future results.

TAGS:Schwab Investing Automated 

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