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Schwab Mutual Fund Portfolio Builder

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Looking to build a diversified portfolio of mutual funds?  Schwab Mutual Fund Portfolio Builder™ is a tool that simplifies the process for you and consists of:

  • Pre-defined portfolios of mutual funds drawn from the Mutual Fund Select List® and through the expertise of Charles Schwab Investment Advisory;
  • An asset allocation based on your chosen risk profile, ranging from conservative to aggressive;
  • Functionality designed to help self-directed investors build a diversified portfolio of mutual funds.

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.

  • 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 pre-set list of mutual funds allocated according to the risk profile you select.

Open an Account  or call  866-393-6185.

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.

Past performance is no guarantee of future results.