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Schwab’s Guide to Investing

Owning it.

A definitive guide for taking ownership of your financial life.

This guide is for you.

It’s designed to help you get actively involved with your investing. Just as you are with other parts of your life. Because becoming engaged, learning what works, and staying the course can help lead to better outcomes.

It’s how you take ownership of your financial life. And we’re here to help you do that.

Follow 8 time-tested investing principles.


Owners know success is no accident.

It takes a plan you understand, embrace, and follow.

See how planning can help boost net worth


Owners know investing can’t do it all.

Investing counts, but what you spend and save counts more.

See how saving more can help decrease your dependence on the market


Owners are optimistic but take precautions.

That means spreading your risk with diversification.

Learn how to help cushion yourself for market downturns


Owners know there’s always a trade-off between risk and reward.

We help you find the right balance.

Find your risk/return comfort zone


Owners take action.

Doing nothing can be the riskiest strategy of all.

See why waiting to invest can be costly


Owners know that nothing works on autopilot.

Your plan and portfolio are no exception.

See how rebalancing annually can lower risk


Owners keep score.

Evaluating your portfolio’s performance objectively is key.

Learn ways to measure a portfolio’s progress


Owners take the long‑term view.

For building your wealth, focusing on the long term is essential.

See how persistence pays off

Let’s talk.


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Schwab ranked "Highest in Investor Satisfaction With Full-Service Brokerage Firms" in the 2016 Full-Service Investor Satisfaction Study.

Charles Schwab received the highest numerical score in the J.D. Power 2016 Full Service Investor Satisfaction Study, based on 6,006 responses from 20 firms measuring opinions of investors who used full-service investment institutions and were surveyed in January 2016. Your experiences may vary. Visit

Important information

Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks, including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.

International investments involve additional risks, which include differences in financial accounting standards, currency fluctuations, geopolitical risk, foreign taxes and regulations, and the potential for illiquid markets.

Small-cap securities are subject to greater volatility than those in other asset categories.

For general educational purposes. Nothing in this document should be considered a solicitation or a recommendation by Schwab to buy, sell, or continue to hold securities or other investments or to open an account.

Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.

Schwab refers to our investment professionals as Financial Consultants. There are certain eligibility requirements if you are interested in working with a dedicated Financial Consultant.

Products with lower fees do not guarantee higher returns or that investors will experience lesser losses during periods of market decline.

The implementation of any recommendations made as a result of advice provided may result in trade commissions or other fees, charges, or expenses.

Investments and investment strategies are not without risk, including the potential loss of principal invested. Past performance is not an indicator or guarantee of future results.

Terms referenced throughout this manual describing our relationship with you, as well as services referenced throughout this brochure, are brokerage services provided by Charles Schwab & Co., Inc. We offer our clients planning assistance, educational content, research, and other services that are without a fee and incidental to Schwab acting as a broker-dealer. When we work with you as a broker-dealer, we do not make investment decisions for you or manage your accounts on a discretionary basis. No part of this manual shall be interpreted by any party as Schwab acting as a registered investment advisor and providing investment advisory services, such as ongoing discretionary portfolio management for a fee.

The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.

©2016 Charles Schwab & Co., Inc. (“Schwab”). All rights reserved. Member SIPC. CC0010203 (0715-4WZZ)