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Retirement & Planning
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Retirement Allocation

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Get retirement help

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

Saving money is a great start, but savings alone generally can’t outpace inflation. So it’s crucial that your hard-earned money is optimally invested for growth, income, or a combination of the two, depending on your goals and risk tolerance.

Whether you’re a novice investor or have quite a bit of experience, it’s important to be clear on your investment goals, how long you’ll be saving until you retire, and the level of investment risk that you’re comfortable with.

Most investors become more conservative as they get older; so plan on revisiting your goals and comfort with risk periodically.

What you can do now:

Our perspective is that asset allocation—how you spread out your money between stocks, fixed income, and cash investments—is essential to long-term investing success. These three basic asset classes respond to the market differently at any given time, so when one is up, the others might be down.1 

Your goal should be to have an appropriate mix of different types of assets in your portfolio, so that it can better weather market ups and downs.

You can use our model portfolios as a guideline for helping determine the proper mix of stocks, fixed income, and cash investments that best fit your investment strategy and tolerance for risk.

Conservative

Schwab Model Portfolios, from Conservative to Aggressive. Schwab Model Portfolios, from Conservative to Aggressive.
Large-Company Equity International Equity Fixed Income Cash and Cash Investments

Moderately Conservative

Large-Company Equity International Equity Fixed Income Cash and Cash Investments

Moderate

Large-Company Equity Small-Company Equity International Equity Fixed Income Cash and Cash Investments

Moderately Aggressive

Large-Company Equity Small-Company Equity International Equity Fixed Income Cash and Cash Investments

Aggressive

Large-Company Equity Small-Company Equity International Equity Cash and Cash Investments
  • Cash and Cash Investments
  • Fixed Income
  • International Equity
  • Large-Company Equity
  • Small-Company Equity

What you can do now:

  • Learn more about asset allocation and diversification.
  • Get details on Schwab’s range of portfolio management services, which give you the levels of guidance and diversification that are right for you.
  • If your workplace retirement plan offers investment options, check to make sure that your overall portfolio is aligned with your risk tolerance and target asset allocation.
  • If you're a Schwab client, log in to evaluate your portfolio and take advantage of a personalized retirement consultation2 with a Schwab investment professional by calling 888-213-4695.

Ready to get started with Schwab?

Call 888-213-4695.

Already a Schwab client?

Get a personal retirement consultation.2

Contact your Financial Consultant or call us anytime at
888-213-4695.