Schwab Mutual Fund Portfolio Builder
Looking to build a diversified portfolio of mutual funds? Schwab Mutual Fund Portfolio Builder™ consists of:
- Pre-set lists of mutual funds that you can select from;
- A range of asset allocations based on particular risk profiles;
- Functionality that allows you, as a self-directed investor, to choose funds from a list and allocate them in percentages that you select to comprise a portfolio to help meet your needs as determined by you.
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.
Choose a portfolio based on your 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.
Choose a plan based on your risk profile.
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Conservative
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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 (1970–2012):
- Average Annual Return: 9.1%
- Best Year: 27.0%
- Worst Year: −12.5%
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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 (1970–2012):
- Average Annual Return: 9.6%
- Best Year: 30.9%
- Worst Year: −20.9%
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Moderately Aggressive
- 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 (1970–2012):
- Average Annual Return: 9.9%
- Best Year: 34.4%
- Worst Year: −29.5%
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Aggressive
- 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 (1970–2012):
- Average Annual Return: 10.0%
- Best Year: 39.9%
- Worst Year: −36.0%
Source: Charles Schwab Investment Advisory, Inc. (CSIA), an affiliate of Charles Schwab & Co., Inc. ("Schwab") with data provided by Morningstar, Inc. The return figures for 1970 through 2012 are the compound average, the minimum and the maximum annual total 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); Barclays 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.
Take the next step.
Open an account and see a pre-set list of mutual funds allocated according to the risk profile you select.
Open an Account or call 866-393-6185.
- See all portfolio solutions.
Please note that the Schwab Mutual Fund Portfolio Builder suggests a $12,500 minimum investment ($10,000 for retirement accounts).
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 their original cost.
Diversification strategies do not assure a profit and do not protect against losses in declining markets.
Past performance is no guarantee of future results.
Schwab's short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Schwab's Mutual Fund OneSource® service (and certain other funds with no transaction fee) and held for 90 days or less. Schwab reserves the right to exempt certain funds from this fee, including Schwab Funds®, which may charge a separate redemption fee, and funds that accommodate short-term trading.
Trades in no-load mutual funds available through the Mutual Fund OneSource service (including Schwab Funds), as well as certain other funds, are available without transaction fees when placed through Schwab.com or our automated phone channels. For each of these trade orders placed through a broker, a $25 service charge applies. Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds.
Charles Schwab & Co., Inc. (member SIPC) receives remuneration from fund companies participating in the Mutual Fund OneSource service for recordkeeping and shareholder services and other administrative services. Schwab and its affiliates also receive fees from the Schwab Affiliate Funds for investment advisory, administrative, and transfer agency services, as well as shareholder and other fund services. The aggregate fees Schwab or its affiliates receive from Schwab Affiliate Funds (see fund prospectus for more details) are generally greater than the remuneration Schwab receives from fund companies participating in Schwab Mutual Fund OneSource service.