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Retirement & Planning
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Portfolio Adjustments


Get retirement help

Call us at 888-213-4695 or visit your local branch.

Change is the only constant in life, so it's likely that you'll experience a few bumps on your journey toward retirement. When unforeseen expenses arise, consider cutting back on nonessential expenses and resist the temptation to cut back on saving for retirement.

Saving regularly is the best way to make progress toward your retirement goals. In addition to 401(k) contributions, which are deducted from your paycheck automatically, consider setting up automatic payments to other retirement accounts. This can help you save more and avoid the temptation of skipping contributions.

What you can do now:

  • Set up direct deposits from your paycheck to your IRA, brokerage, or other retirement savings accounts.
  • Schwab clients can set up regular online transfers from external accounts to their Schwab accounts.

If you fall behind on your savings goals, try to get back on track as quickly as possible to keep benefiting from the power of compounding.

What you can do now:

  • Contribute part (or all) of any bonuses, tax refunds, or other windfall money to your retirement savings.
  • If your salary increases, consider increasing your retirement savings by at least 1%. If you're already maxing out your 401(k), put that money into an IRA.
  • If you're age 50 or over, take advantage of catch-up contributions.

Changes in your life or changes in the economy are two good reasons to revisit your portfolio. At the very least, you should review your investments annually to be sure that your retirement portfolio is still aligned with your goals and life circumstances. Consider:

  • Life changes. Have personal events or circumstances changed how much you can save for retirement or your feelings about risk?
  • Asset allocation. Does it still match your tolerance for risk?
  • Investment concentration. Do you have too much invested in a particular sector, industry, or company?
  • Individual investments. Have ratings on your stocks or mutual funds gone down?

What you can do now:

  • If you're a Schwab client, log in to evaluate your portfolio and take advantage of a personalized retirement consultation1 with a Schwab investment professional by calling 877-673-7970.

If you find that your retirement portfolio has strayed from your target allocation by 5% or more, it might be time to rebalance.

In 2011, 68% stocks and 32% bonds. 60 % stocks 40 % bonds


4 years later

In 2011, 68% stocks and 32% bonds. 68 % stocks 32 % bonds


In this hypothetical portfolio, the stock allocation increased from 60% to 68%. Because stocks tend to carry higher risk than bonds, increased exposure to stocks could elevate overall portfolio risk. Changes in asset allocation can occur over time for a variety of reasons, including stock market performance, changes in interest rates, and economic cycles.

What you can do now:

  • If you're a Schwab client, log in to use our Portfolio Checkup tool to quickly assess whether you need to rebalance.

Ready to get started with Schwab?

Call 888-213-4695.

Already a Schwab client?

Get a personal retirement consultation.1

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