Determine your mix of investments

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. Investment value will fluctuate, and shares, when redeemed, may be worth more or less than original cost.

International investments are subject to additional risks such as currency fluctuation, political instability and the potential for illiquid markets. Small-cap funds are subject to greater volatility than those in other asset categories. Diversification strategies do not assure a profit and do not protect against losses in declining markets.

Source: Schwab Center for Financial Research with data provided by Ibbotson Associates, Inc. The return figures for 1970 through 2005 are the average, the minimum and the maximum annual returns of the hypothetical asset allocation plans. The asset allocation plans are weighted averages of the performance of the indices used to represent each asset class in the plans, include reinvestment of dividends, and are rebalanced annually. The indices representing each asset class in the historical asset allocation plans are S&P 500 Index (large-cap stocks); Russell 2000 Index (small-cap stocks); MSCI EAFE Net of Taxes (international stocks); Lehman Brothers US Aggregate Bond Index (fixed income); and Citigroup 3-Month US Treasury Bills (cash equivalents). CRSP 6-8 was used for small-cap stocks prior to 1979, Ibbotson Intermediate-Term Government Bond Index was used for fixed income prior to 1976, and Ibbotson 30-Day US Treasury Bills were used for cash equivalents prior to 1978. Indices are unmanaged, do not incur fees or expenses and cannot be invested in directly. Past results are not indicative of future performance. For more information on the methodology for the long-term return estimate calculations, see the SCFR Research Report “Long-Term Market Return Estimates.