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Schwab ETF Portfolio Builder

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Looking to build a diversified portfolio of exchange-traded funds? The ETF Portfolio Builder™ consists of:

  • Predefined portfolios of ETFs drawn from the Schwab ETF Select List™
  • A range of asset allocations consistent with your chosen risk profiles
  • Functionality that allows you, as a self-directed investor, to create a customizable portfolio of ETFs

In using this tool, be aware that Schwab is not analyzing your investment portfolio, your individual circumstances, or considering or recommending what you should buy, hold, or sell in your account. Before buying, you should consider whether any investment is suitable for your circumstances. 

Create an ETF portfolio based on your chosen risk profile.

Roll over the portfolio types to see which one best matches your investing style. Consider your financial goals, time horizon, and tolerance for risk. See a sample portfolio.

  • Conservative

    • 15% Large-Company Equity
    •  5% International Equity
    • 50% Fixed Income
    • 30% Cash & Cash Investments
    Time Horizon: Under 3–5 years
    • Want current income and stability
    • Want capital preservation
    Returns (1970–2013):
    • Average Annual Return: 7.9%
    • Best Year: 22.8%
    • Worst Year: −4.6%
  • Moderately Conservative

    • 25% Large-Company Equity
    •  5% Small-Company Equity
    • 10% International Equity
    • 50% Fixed Income
    • 10% Cash & Cash Investments
    Time Horizon: Around 5 years
    • Want current income and relative stability
    • Want some opportunity to increase the value of your investments
    Returns (1970–2013):
    • Average Annual Return: 9.1%
    • Best Year: 27.0%
    • Worst Year: −12.5%
  • Moderate

    • 35% Large-Company Equity
    • 10% Small-Company Equity
    • 15% International Equity
    • 35% Fixed Income
    • 5% Cash & Cash Investments
    Time Horizon: Around 10 years
    • Want solid growth with relative stability
    • Don’t need current income
    • Can tolerate some fluctuations, but want a portfolio with considerably less risk than the overall stock market
    Returns (1970–2013):
    • Average Annual Return: 9.8%
    • Best Year: 30.9%
    • Worst Year: −20.9%
  • Moderately Aggressive1

    • 45% Large-Company Equity
    • 15% Small-Company Equity
    • 20% International Equity
    • 15% Fixed Income
    • 5% Cash & Cash Investments
    Time Horizon: At least 10 years
    • Most concerned about investments growing in value
    • Don’t need current income
    • Have a good tolerance for risk, but want a portfolio with slightly less risk than the overall stock market
    Returns (1970–2013):
    • Average Annual Return: 10.2%
    • Best Year: 34.4%
    • Worst Year: −29.5%
  • Aggressive2

    • 50% Large-Company Equity
    • 20% Small-Company Equity
    • 25% International Equity
    • 5% Cash & Cash Investments
    Time Horizon: More than 15 years
    • Most concerned about investments growing in value
    • Don’t need current income
    • Have a good tolerance for risk
    Returns (1970–2013):
    • Average Annual Return: 10.4%
    • Best Year: 39.9%
    • Worst Year: −36.0%

Take the next step.

Open an account and see a preset list of ETFs allocated according to the risk profile you select.

Open an Account  or call  800-435-4000.


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.