Our technology and expertise make investing easier.

Our portfolio management is built on three key components:

Step 1

1. You complete a short questionnaire based on your goals, risk tolerance and timeline.

Step 2

2. We build you a diversified portfolio of ETFs.

Step 3

3. We monitor your portfolio daily, and automatically rebalance it when needed.

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Diversification, automatic investing and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.

Schwab Intelligent Portfolios is designed to monitor a client’s portfolio on a daily basis and will also automatically rebalance as needed to keep the portfolio consistent with the client’s selected risk profile unless such rebalancing may not be in the best interest of the client. Trading may not take place daily.

Set Your Goals.

With Schwab Intelligent Portfolios, you can invest for retirement, save for a vacation, or work to build long-term wealth. You can also set and adjust a target withdrawal amount to help you get a sustainable income stream.
There is no guarantee the intended goal, or the duration of future withdrawals associated with those goals, will be reached.
How do Schwab Intelligent Portfolios work? Play the video.

See how Schwab Intelligent Portfolios works – and helps keep your goals on track.

A Diversified Portfolio.

You will get a portfolio of ETFs handpicked by a team of investment professionals.
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For illustrative purposes only. Not representative of any specific investment or account.
Intelligent Portfolios diversified investment examples.

Automatically Rebalanced.

Our cutting-edge technology monitors and rebalances your investments to help keep you diversified and on track.
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Rebalancing can lower risk.

Portfolio Volatility - Hypothetical Moderate Asset Allocation.
This chart demonstrates how a diversified portfolio’s volatility can increase if it is left to drift with the market ups and downs.
Risk is based on the standard deviation of a hypothetical moderate asset allocation (35% large-cap stocks, 15% international stocks, 10% small-cap stocks, 35% bonds, and 5% cash investments), rebalanced annually, from 1970 to 2015. Source: Schwab Center for Financial Research, with data from Morningstar, Inc.

Tax Efficient.

If an investment declines in value, our automatic tax-loss harvesting can help you offset the taxes on investment gains.
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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.

This page illustrates the possible benefits of reinvesting federal income tax savings, if the portfolio weights associated with a hypothetical portfolio of moderate risk held in a taxable account had been in existence and employed for the period specified, and does not reflect actual results. The hypothetical example is designed to allow investors to understand and evaluate the application of tax loss harvesting to a portfolio by seeing the potential benefits from federal income tax savings that may have occurred during a certain time period. While the hypothetical results reflect the general application of tax loss harvesting, they have certain limitations and should not be considered indicative of future results by any client. In particular, the example results do not reflect actual federal income tax savings in an actual account, so there is no guarantee that, in fact, an actual account would have achieved the results shown. Moreover, the potential federal income tax savings do not reflect investments outside the program that could impact the utilization or realization of such savings. The hypothetical example results also assume that federal income tax rates would have remained static over the period. Index returns were used when ETFs in the Portfolios were not in existence. Hypothetical fees were not applied to index returns to simulate ETF net of fees performance, and therefore, the federal income tax savings would have been higher had actual simulated ETF fees been applied in the hypothetical Portfolios. The simulation used total return data. For purposes of estimating hypothetical historical federal income tax savings, the portfolio weights associated with a hypothetical portfolio of moderate risk were assumed to be static throughout history. In reality, the portfolio allocation is likely to change over time.

The tax-loss harvesting example is based on a hypothetical moderate risk portfolio based using the following asset allocation and strategic benchmarks: 15% U.S. large company stocks, 9% U.S. small company stocks, 11% int’l developed large company stocks, 7% int’l. developed small company stocks, 7% int’l. emerging market stocks, 3% U.S. REITs, 2% int’l. REITS, 2% U.S. Treasuries, 3% U.S. investment-grade corporate bonds, 7% U.S. securitized bonds, 1% U.S. inflation-protected bonds, 4% int’l. developed country bonds, 8% U.S. corporate high-yield bonds, 4% int’l. emerging market bonds, 5% gold and other precious metals, and 12% cash investments.

Tax savings can improve your returns over time, because more of your assets stay invested.

2008-2015 returns on a $100,000 investment.
This chart illustrates how tax loss harvesting could have affected a portfolio’s value from 2008 to 2015, based on a hypothetical moderate risk portfolio.
The chart above illustrates how tax loss harvesting could have affected your account value from 2008 through 2015, based on a hypothetical moderate risk portfolio. The actual benefit of tax-loss harvesting will vary from year to year and from investor to investor. For example: there may be fewer losses to harvest in years where markets are consistently rising; and investor’s personal tax circumstances may mitigate or eliminate the benefit of tax loss harvesting; and the future sale of replacement assets may result in higher capital gains than otherwise would be the case.
Source: Charles Schwab Investment Advisory
This example is hypothetical and for illustrative purposes only. It is not intended to represent a specific investment product. It is not tax advice, and each investor is strongly encouraged to consult its own tax advisor about the utility of tax loss harvesting. The example is based on a hypothetical $100k moderate risk portfolio held in a taxable account. Daily ETF returns were used when available. When not available, returns were backfilled with the underlying index. When the underlying index was unavailable, then the strategic benchmark returns were used. A 39.6% federal tax rate was assumed on ordinary income and short-term capital gains and no allowance was made for state taxes. Tax loss harvesting opportunities were checked for all asset classes. The losses being captured had to be greater than a set threshold before the trade was made. At the end of every calendar year, the tax savings were reinvested in the portfolio. The tax savings are equal to the assumed tax rate multiplied by the amount of ordinary income offset by losses captured through the program. The amount of ordinary income that may be offset by losses is limited to $3000, or the amount of losses captured plus any tax loss carry forwards, whichever is smaller. The hypothetical example shown resulted in $10,617 of losses that could potentially carry forward to future calendar years. There was no rebalancing assumed in the hypothetical portfolio. The example assumes that there are no capital gains from any other portfolio. The example does not consider the potential future sale of replacement assets, which could result in higher capital gains than would be the case without tax-loss harvesting.

Range of Accounts.

We offer several options, including brokerage, IRA, custodial and trust accounts.
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Schwab Intelligent Portfolios will recommend a diversified portfolio that’s designed to achieve your investment goals.
For illustrative purposes only.