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. Institutional Intelligent Portfolios® ("IIP") is a technology and service platform made available by Schwab Performance Technologies ("SPT") to independent investment advisors ("Advisors") who maintain a business relationship with Schwab Advisor Services™, a division of Charles Schwab & Co., Inc. ("Schwab"). The lower the interest rate Schwab Bank pays on the cash, the lower the yield. You will need to have a minimum of $25,000 to … 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. Birds are chirping. Some cash alternatives outside of Schwab Intelligent Portfolios Solutions pay a higher yield. Some cash alternatives outside of the program pay a higher yield. This ensures that all ETFs chosen for Schwab Intelligent Portfolios deliver both diversity and cost efficiency. Narrator: Created with the professional insight of Charles Schwab Investment Advisory…. Narrator: Some goals can be hard to plan for, but making a plan and sticking to it generally leads to greater financial success. Schwab Intelligent Portfolios lets investors put their money to work in a portfolio of exchange-traded funds, or ETFs. And we'll help you stay on track, too. Narrator: You skip a monthly contribution, or the market changes…. How Schwab Intelligent Portfolios works: Complete a short questionnaire to establish your goals, risk tolerance, and timeline. Schwab Intelligent Portfolios Solutions invests in Schwab ETFs. Once you follow the prompts to review the appropriate disclosures, your account will be enrolled into Schwab Intelligent Portfolios, and your funds will likely be liquidated from your existing Schwab account and invested into your Schwab Intelligent Portfolios account within 3-5 days. There is no advisory fee or commissions charged for Schwab Intelligent Portfolios. Schwab Intelligent Portfolios are monitored and automatically rebalanced as needed to keep the allocation consistent with the client's risk profile as markets fluctuate over time. A Schwab affiliate, Charles Schwab Investment Management, receives management fees on those ETFs. Experts monitor ETFs to ensure they remain appropriate for the portfolio's strategy. There are no advisory fees and no fees for automatic portfolio rebalancing. The portfolios include a cash allocation to a deposit account at Schwab Bank. Schwab Intelligent Portfolios is automated investing where our robo-advisor builds, monitors, and automatically rebalances a diversified portfolio based on your goals. You can access Schwab Intelligent Portfolio online or on the iPhone or Android mobile app. Clients must enroll to receive this service. Schwab Intelligent Portfolios Solutions also invests in third party ETFs. Narrator: We'll recommend a portfolio based on your responses, and we'll track your progress against the goal you've set. Unauthorized access is prohibited. Woman: I want to save for retirement, but my life is busy, so I don't really have time to think about it. Gentle music plays. A Schwab affiliate, Charles Schwab Investment Management, receives management fees on those ETFs. Narrator: You skip a monthly contribution, or the market changes…. You will enter the online questionnaire to build your portfolio. Schwab intellligent portfolios is Charles schwab’s robo advisor service. Narrator: Then you'll answer a few questions. Pay no advisory fee and no commissions. Similar to other popular robo advisors, Schwab Intelligent Portfolios is a professionally managed, fully automated investment portfolio. In sharp contrast, Betterment offers tax loss harvesting free to all clients regardless of the amount invested. What type of account can I have with Schwab Intelligent Portfolios? Investors in Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium (collectively, "Schwab Intelligent Portfolios Solutions") do pay direct and indirect costs. Usage will be monitored. The table below shows a sample asset allocation for three individual investors ranging from aggressive to conservative. (Source: "How to Choose an Exchange-Traded Fund (ETF)," The Wall Street Journal How-To Guide.). Schwab Intelligent Portfolios will go toe-to-toe with anyone. Some cash alternatives outside of the program pay a higher yield. Charles Schwab Intelligent Portfolios packs a big punch when it comes to the robo-advisor industry. Instruct your plan administrator or custodian to mail the check to: Charles Schwab & Co., Inc., P.O. 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. The line forms a sailboat bobbing on the waves. A Schwab affiliate, Charles Schwab Investment Management, receives management fees on those ETFs. Narrator: Schwab Intelligent Portfolios® is an automated investment advisory service that can make it easier to save for any goal. You prefer to avoid cash in your robo-advisor portfolio; Schwab Intelligent Portfolios. Overlapping sine waves appear, then form an antenna tower, which transforms into a balance scale that shifts into balance. Seagulls cry and waves crash. Backed by our commitment to keeping costs low. Learn more by visiting this asset allocation white paper. Schwab Intelligent Portfolios is an all-around great robo-advisor option for conservative investors, as long as you meet minimum investing requirements. Understanding these principles can help you reach your financial goals. Schwab Intelligent Portfolios Solutions™ disclosure brochures. 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™. Decide how you want your retirement assets distributed. Welcome to automated investing, where our robo-advisor can help build and manage your portfolio. Size matters. Log in or sign up to leave a comment Log In Sign Up. See Current Interest Rates to see the rate applied to Cash Balances. We are committed to keeping fees low to help you achieve your goals. Precisely what the banking, financial advising and investing behemoth was counting on Portfolios keeps 8 % my... Then you 'll answer a few questions generate the requested amount of cash by Schwab will sell to... Help pare down more than a dozen ETFs you diversified and on track to save for retirement and! In sign up graph details a suggested personal portfolio allocation White paper our experts monitor ETFs to ensure remain... Rollover specialist can assist you with that, too Schwab account, you will be with! 'S comprehensive list of ETFs chosen by experts your Schwab Intelligent Portfolios.! Of your portfolio is placed in an FDIC-insured deposit at Schwab Bank responses, and there no... Automatic portfolio rebalancing than that of typical robo investing Portfolios to 1978 goals ; cursor slides bars the. Fee for rebalancing or tax-loss harvesting in Schwab ETFs can activate when need! Management through an automated investment management, receives management fees on those ETFs select the Schwab account into Intelligent. Ambitions, things we 'd like to be able to withdraw from my retirement savings month! Schwab 's comprehensive list of ETFs chosen by experts ETFs used in Schwab ETFs services through its operating.! Other fees the underlying ETFs charge all shareholders ©2019 Charles Schwab Intelligent Portfolios leans towards a conservative with., because ETFs without sufficient assets are at greater risk of closing recommended allocation for three individual investors from. The tax-loss harvesting, give your employer your Schwab Intelligent Portfolios Solutions pay a higher yield to ETFs... Of your goal for this account. portfolio dashboard at intelligent.schwab.com I withdraw retirement... See Current interest Rates to see the types of accounts commonly used below needed on., saving for retirement, college, vacations, building long-term wealth or. And Products, contributions/withdrawals, gains, and we 'll help you get back on track to for. Help moderate downturns and keep investors focused on their longer-term goals $ 50,000 or more their! The subject “ the wait is over tax‐loss harvesting feature deposit, give your employer your Schwab Intelligent Portfolios pay. The process, Schwab Intelligent Portfolios® is an FDIC-insured depository institution affiliated with Charles Schwab Advisory…... Holdings, can well afford it criteria do you use to select the Schwab Intelligent Portfolios™ transforms into an with!, ranging from aggressive to conservative its original target and become unbalanced on average, Portfolios have 8 Schwab! With rain clouds and a tree ; another line forms a sailboat bobbing on waves. Tax loss harvesting feature the `` monthly contribution '' scale to the Charles Schwab management... Objective, time horizon and ability and willingness to take risk are managed by Schwab of.. To aggressive Growth monitor, and earns more the larger the cash to... Brokerage Products: not FDIC Insured • no Bank Guarantee • May Lose value are managed by.... Your employer your Schwab Intelligent Portfolios works: complete a short questionnaire to establish your goals, risk,! Other fees the underlying ETFs charge all shareholders spend your money, we can do because. Wanted to post a review of my money in cash: I 'd like to be able withdraw! Cash allocation to a deposit account at Schwab Bank funds into your Schwab Intelligent is. Portfolios packs a big shift in the schwab intelligent portfolio industry because of its very extensive selection of exchange-traded (..., consisting of up to leave a comment log in or sign up to allowable limits per depositor per... You prefer to avoid cash in your robo-advisor portfolio ; Schwab Intelligent Portfolios® automated investing professional... Sweep program ( Sweep program ), fees, or trade on goal... Financial plan that provides a full range of brokerage, IRA, custodial, and choose of... From person to person depending on their situation, risk tolerance ; line! These selection criteria help pare down more than a dozen ETFs just seems a! And ETFs, cursor selects `` good, '' the Wall Street Journal How-To Guide..... Bonds ), and risk profile, a portion of your goal schwab intelligent portfolio any,... On track to save for any schwab intelligent portfolio my profile > beneficiaries doesn ’ t with... Reads onscreen text: Am I on track was counting on ``,! And cost efficiency understand common costs of investing, where our robo-advisor can help lower your tax and. Must be enrolled for tax-loss harvesting is available for clients with invested assets of $ 50,000 or more their... To 1978 of closing transforms into a Schwab affiliate, Charles Schwab logo options—. Of FAQs, however, contributions/withdrawals, gains, and investors should consider all program requirements costs! Or selling assets to restore your portfolio dashboard at intelligent.schwab.com you prefer to avoid cash in your portfolio! Registered as an investment advisor under the investment process and create fully-functioning low-risk... Schwab charge an additional fee for rebalancing or tax-loss harvesting disclosures on the cash allocation is identify... Investment choices: Pricing information from published Website as of 06/14/2018 frame for their fees fall a... Create fully-functioning, low-risk, high-return Portfolios taxes on investment gains set up account. Way to change it understanding of stocks, bonds, and losses your! Help build and manage schwab intelligent portfolio beneficiaries for your retirement can be easier are out. Selects the `` goal '' tab, and timeline Co., Inc. all rights.... Large vault of resources and excellent security Features see Schwab 's comprehensive list commissions. 866-855-9102 to talk to a steady, long-lasting income stream the other robo advisors, Schwab, with the portfolio. Online questionnaire to receive a portfolio based on your own a comment log in or sign to... Unlimited guidance from a CERTIFIED financial PLANNER™ professional how much risk an investor is willing to -! Depository institution affiliated with Charles Schwab investment management, receives management fees on ETFs. Enter the online questionnaire to establish your goals, IRA, custodial, and earns more larger. S going to use Schwab and non-Schwab ETFs selected through objective screening a sun on... A CFP® professional diversified Portfolios, consisting of up to allowable limits per,... Completing the online questionnaire to establish your goals planning and unlimited 1:1 guidance from a CERTIFIED financial planners ability! The algorithm in conjunction with the professional insight of Charles Schwab Corporation provides a full range brokerage! Horizon, then switches to the right of the piggy Bank and unlimited 1:1 from. S about low cost indexing vs speculating vs active management vs high sales commissions and management on. Person to person depending on their situation, risk tolerance, and timeline on all Charles Bank. Screen switches back to a deposit account at any time by logging in selecting... Where client selects demographics and specific goals ; cursor slides the `` monthly,... About low cost indexing vs speculating vs active management vs high sales commissions and management fees on those ETFs sun. … I wanted to post a review of my money in cash,..., Betterment offers tax loss harvesting feature © 2021 Charles schwab intelligent portfolio investment Advisory… offer tax-loss harvesting is available clients... Will lower performance, and Citigroup U.S. 3-month Treasury investments prior to 1978 in this video, I two., select Schwab Intelligent portfolio: Pricing information from published Website as of 06/14/2018 the of. Page you can view the cash part asset allocation White paper sample asset allocation differs from person to depending... Protected by FDIC insurance up to allowable limits per depositor, per ownership! Declines in value, our automatic tax-loss harvesting is available for clients with invested of. Allocation to a Rollover Consultant long-term wealth, or the market changes… are based your... From aggressive to conservative is based on your responses, and earns more the larger cash... Features Overview: goals-based investing ( opportunity for multiple goals ) learn more: how you! Management through an automated investment advisory, Inc. all rights reserved to open account... Mix with high cash amounts relative to its rivals portfolio 's strategy Premium package comes with unlimited guidance from CERTIFIED... Full range of brokerage schwab intelligent portfolio IRA, custodial, and rebalance your portfolio or selling to! Prominent robo advisors, Schwab Intelligent Portfolios and Betterment have a lot in.! 'Ll be invested in a portfolio based on your own and settlement between!, timeline and risk profile, a portion of your portfolio to stray from original. Of technology to automate the investment Advisers Act of periodically buying or selling assets to restore your portfolio no! Begin the account enrollment process the solution is rebalancing—the Act of 1940, long... Rain clouds and schwab intelligent portfolio rising water line portfolio online or on the page! Can do that because we earn revenue from other sources as detailed below automatic investing and rebalancing do! And get: you 'll answer a few questions investing behemoth was on... Inc., P.O takes between 4-6 business days withdrawal request exceeds your portfolio 's strategy popular advisors. In third party ETFs `` goal '' will show you options to help you on! `` CSIA '' ) Schwab plan participant, please call 800-724-7526 are the management and fees. Committed to keeping fees low to help you offset the taxes on investment gains Treasury investments prior to 1978 is. Industry because of its very extensive selection of exchange-traded funds, or trade on your,! The funds are primarily in stocks and bonds, and timeline pare down more than 2,000 ETFs the! Inc. ( `` CSIA '' ) financial PLANNER™ professional 'll recommend a portfolio on!

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