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Welcome to automated investing

Welcome to automated investing, where our robo-advisor can help build and manage your portfolio so you don't have to. Get the guidance you want, when you need it, by choosing the level of professional support that helps you feel most comfortable and in control of your investments.

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Intelligent Portfolio Management

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  • Schwab Intelligent Portfolios® 
  • Schwab Intelligent Portfolios Premium® 
  • A diversified portfolio Tooltip of exchange-traded funds Tooltip (ETFs) chosen by Schwab experts and tailored to your goals
  • Schwab Intelligent Portfolios® 
  • Schwab Intelligent Portfolios Premium® 
  • Daily monitoring and automatic rebalancing Tooltip
  • Schwab Intelligent Portfolios® 
  • Schwab Intelligent Portfolios Premium® 
  • Tax-loss harvesting Tooltip
  • Schwab Intelligent Portfolios® 
  • Schwab Intelligent Portfolios Premium® 
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Professional Guidance & Customer Support

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  • Schwab Intelligent Portfolios® 
  • Schwab Intelligent Portfolios Premium® 
  • 24/7 live support from U.S.-based service professionals Tooltip
  • Schwab Intelligent Portfolios® 
  • Schwab Intelligent Portfolios Premium® 
  • Unlimited 1:1 guidance from a CERTIFIED FINANCIAL PLANNER™ professional Tooltip
  • Schwab Intelligent Portfolios® 
  • Schwab Intelligent Portfolios Premium® 
  • Personalized Action Plan and portfolio review with a CFP® professional 
  • Schwab Intelligent Portfolios® 
  • Schwab Intelligent Portfolios Premium® 
  • Digital financial plan for reaching your goals
  • Schwab Intelligent Portfolios® 
  • Schwab Intelligent Portfolios Premium® 
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Financial Planning Features

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  • Schwab Intelligent Portfolios®
  • Schwab Intelligent Portfolios Premium® 
  • Powerful, interactive planning tools 
  • Schwab Intelligent Portfolios®
  • Schwab Intelligent Portfolios Premium® 
  • Ability to link and view existing accounts Tooltip at over 11,000 institutions 
  • Schwab Intelligent Portfolios®
  • Schwab Intelligent Portfolios Premium® 
  • Tools to stress test your plan and see your probability of reaching your goals 
  • Schwab Intelligent Portfolios®
  • Schwab Intelligent Portfolios Premium® 
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Fees & Minimums

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  • Schwab Intelligent Portfolios®
  • Schwab Intelligent Portfolios Premium® 
  • No commissions charged 
  • Schwab Intelligent Portfolios®
  • Schwab Intelligent Portfolios Premium® 
  • Fees 
  • Schwab Intelligent Portfolios®
    No advisory fee charged 
  • Schwab Intelligent Portfolios Premium® 
    One-time $300 initial planning fee and $30/month for unlimited guidance 
  • Minimum investment to start 
  • Schwab Intelligent Portfolios®
    $5,000 
  • Schwab Intelligent Portfolios Premium® 
    $25,000 

Just as if you'd invested on your own, you will pay the operating expenses on the ETFs in your portfolio—which includes Schwab ETFs™.

We believe cash is a key component of an investment portfolio. Based on your risk profile, a portion of your portfolio is placed in an FDIC-insured deposit at Schwab Bank. Some cash alternatives outside of the program pay a higher yield.

There is no advisory fee or commissions charged for Schwab Intelligent Portfolios. For Schwab Intelligent Portfolios Premium, there is an initial planning fee of $300 upon enrollment and a $30 per month advisory fee charged on a quarterly basis as detailed in the Schwab Intelligent Portfolios Solutions™ disclosure brochures. Investors in Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium (collectively, "Schwab Intelligent Portfolios Solutions") do pay direct and indirect costs. These include ETF operating expenses which are the management and other fees the underlying ETFs charge all shareholders. The portfolios include a cash allocation to a deposit account at Schwab Bank. Our affiliated bank earns income on the deposits, and earns more the larger the cash allocation is. The lower the interest rate Schwab Bank pays on the cash, the lower the yield. Some cash alternatives outside of Schwab Intelligent Portfolios Solutions pay a higher yield. Deposits held at Schwab Bank are protected by FDIC insurance up to allowable limits per depositor, per account ownership category. Schwab Intelligent Portfolios Solutions invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management, receives management fees on those ETFs. Schwab Intelligent Portfolios Solutions also invests in third party ETFs. Schwab receives compensation from some of those ETFs for providing shareholder services, and also from market centers where ETF trade orders are routed for execution. Fees and expenses will lower performance, and investors should consider all program requirements and costs before investing. Expenses and their impact on performance, conflicts of interest, and compensation that Schwab and its affiliates receive are detailed in the Schwab Intelligent Portfolios Solutions disclosure brochures.