Schwab Personal Choice Retirement Account (PCRA)

You can open an account if: Your provider offers a PCRA® as part of your retirement plan. Check with your benefits department if you’re not sure.
Account service fees: None; however, the retirement plan provider may charge an annual account maintenance fee.
Who’s it for? Experienced investors who seek a wider range of investments and who want to manage their portfolios.

Open the account that lets you:

Transfer retirement plan assets into a self-managed account.
Invest in a broader array of investment choices than offered through your retirement plan.
Take advantage of our industry-leading trading, research and monitoring tools.

Because it’s a Schwab account, you can:

Decide how to invest your retirement savings and find the right investments using our industry-recognized research and tools.
Choose investments from among several thousand no-load, no-transaction-fee mutual funds in Schwab’s Mutual Fund OneSource® program, including an extensive choice of institutional load-waived funds, as well as stocks, bonds, CDs, exchange-traded funds (ETFs) and more.
Use our advanced account monitoring tools to track your progress.

Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.

Charles Schwab & Co., Inc. receives remuneration from fund companies participating in the Mutual Fund OneSource® service. Schwab’s short-term redemption fee of $49.95 will be charged on redemptions of funds purchased through Schwab’s Mutual Fund OneSource service (and certain other funds with no transaction fees) and held for 90 days or less. For each of these trade orders placed through a broker, a $25 service charge applies. Funds are also subject to management fees and expenses.

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