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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 original cost.

Review our margin risk disclosure.

Exchange Traded Funds are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF.

Online trades of Schwab ETFs are commission-free at Schwab, while trades of third-party ETFs are subject to commissions. Broker-Assisted and Automated Phone trades are subject to service charges. Minimum $1,000 deposit is required to open most Schwab brokerage accounts. Waivers may apply. See the Charles Schwab Pricing Guide for details. All ETFs are subject to management fees and expenses.

Schwab ETFs distributed by SEI Investments Distribution Co (SIDCO). SIDCO is not affiliated with Charles Schwab & Co., Inc.

Strength of an annuity’s guaranteed income stream is dependent upon the claims-paying ability of the issuing insurance company.

Charles Schwab & Co., Inc., receives remuneration from fund companies participating in the Mutual Fund OneSource® service. Schwab’s short-term redemption fee will be charged on redemptions of funds bought through Schwab’s Mutual Fund OneSource service with no transaction fee.

Ranked number one by Kiplinger’s  and SmartMoney  in a comparison of brokerage model portfolios.