Watch how it works

Upbeat music plays throughout. 

The Charles Schwab logo fades in on an all-white screen. 

The logo slides off screen to the left. Text slides in from the right: We all have our reasons to invest 

We all have our reasons to invest, whether that's planning for your retirement, buying a home, or even saving for college. 

An orange line extends to the right from the text. Footage of a retired couple looking at a phone together slides in from the right, and the line animates into the background. Additional colors are revealed as it travels to the right of the screen. Text fades on to the scene: Retirement

We cut to a new scene of a young couple decorating a living room. The multicolored line animates from the left of the screen to the right. Text fades on above the line: Buying a home

Schwab Intelligent Portfolios makes it simple to invest towards your goals by building, monitoring, and automatically rebalancing your portfolio—so you don't have to. 

We cut to a white screen and see the multicolored line animate on from the left side of the screen. It then forms a circle, and text fades in within: Schwab Intelligent Portfolios^® 

Getting started is easy. 

We cut to a scene of a laptop on a desk next to a steaming cup of coffee. On the monitor, we see the Schwab Intelligent Portfolios circle. 

First, tell us about your goal, risk tolerance, timeline, and how much you plan to invest.

We cut to a scene of a woman at her laptop. On the left half of the screen, we see a graphic animate on. At the top is the text: Please tell us about your goal for this account

Below are four options with corresponding icons: 

Retirement

Upcoming expenses

Something special

Rainy day fund

Next, based on your answers, we'll provide you a diversified portfolio of ETFs from more than 80 variations tailored to your preferences. 

We cut to a different angle of the same woman at her laptop and see her pick up a glass of tea and take a sip. The same multicolored line animates in vertically with colors and labels for each section: 

Fixed income

Cash

Commodities

Stocks

The line collapses down and the text fades away. Then a circle animates on in the same colors as the previous line. Text fades within the circle, counting up to: 80+ Variations The text then transitions to say: My Portfolio

From there, our innovative robo-advisor monitors and automatically rebalances your portfolio as needed... 

We cut to a scene of two parents and a child playing with some drawings. The same graphic of the multicolored circle with the My Portfolio text animates on in the top right corner. The multicolored sections gently shift, representing the rebalancing occurring. 

…while our team of experienced analysts keeps a careful watch on the selected ETFs to ensure your portfolio remains aligned with your risk profile. 

We cut to a close-up of a laptop. We see the multicolored line animate on in the Schwab Intelligent Portfolios platform. 

At any time, you can log in to your personal dashboard to see your progress or make updates.

We cut to the young couple sitting on the floor of their living room, looking at a laptop together. A graph animates on behind them. A dotted line curving up to the y axis is labeled Goal. Another dot animates up the y axis, passes the Goal dot, and stops above the Goal dot. A label reveals showing the dot represents Projected Balance. Then a badge animates on to the left with the text: Build Wealth Goal On Target next to a piggybank icon. The bottom of the screen shows For illustrative purposes only.

If it looks like your goal is off target, we'll provide suggestions to get you back on track. 

And if you're investing fifty thousand dollars or more, you may also choose to activate our automatic tax-loss harvesting feature, potentially helping you offset the taxes on investment gains.

We cut to another angle of the same scene where we can see the laptop on the floor. We see chart lines animate on. A badge with a toggle animates on that says: Tax-loss Harvesting. The toggle switches from off to on. 

Looking for additional support on your investing journey? You can enroll in Schwab Intelligent Portfolios Premium for unlimited one-on-one guidance from a CERTIFIED FINANCIAL PLANNER professional who can answer specific questions about your financial plan. 

We cut to a scene of the young father in conversation with someone on his tablet. We then see the tablet monitor showing the Schwab Intelligent Portfolios platform and a CERTIFIED FINANCIAL PLANNER professional talking in a pop-up window. 

And if you want to use your automated investing account to pay yourself in retirement, you can add the Schwab Intelligent Income feature to automatically generate a monthly paycheck. 

We cut to a scene of a retired couple looking at a tablet together. Graphics appear on the right side of the screen. The header is Schwab Intelligent Income. There are several blank fields where we see information entered in, including: Total Investment Amount, age, and withdrawal goal. There are also images for Projected balance and Adjust your portfolio

Whatever your financial goal is, from planning a summer vacation to investing for your retirement, Schwab Intelligent Portfolios can make it easier for you to get there. 

We cut to the first woman shown, standing on a beach at sunset. The multicolored line animates in from the left behind her. We cut to a white background and see the line enter from the left and form a circle and text fade in: Schwab Intelligent Portfolios^® 

Start your automated investing journey by opening an account today.

The circle then unravels and animates off to the right of the screen. The Charles Schwab logo fades in, shrinks, and slides to the top of the screen as the following disclosures fade onto screen:

Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value

Please read the Schwab Intelligent Portfolios Solutions disclosure brochures for important information, pricing, and disclosures relating to Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs.

Schwab Intelligent Portfolios^® and Schwab Intelligent Portfolios Premium^® are made available through Charles Schwab & Co., Inc. ("Schwab"), a dually registered investment advisor and broker-dealer. [Portfolio management services are provided by Charles Schwab Investment Management, Inc. ("CSIM"). Schwab and CSIM are subsidiaries of The Charles Schwab Corporation.] 

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. Schwab does not charge an advisory fee for the SIP Program in part because of the revenue Schwab Bank generates from the cash allocation (an indirect cost of the Program). The portfolios include a cash allocation to FDIC‐insured Deposit Accounts at Charles Schwab Bank, SSB ("Schwab Bank"). Schwab Bank earns income on the deposits, and earns more the larger the cash allocation. 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. Schwab Intelligent Portfolios Solutions invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management Inc., 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.

Schwab Intelligent Portfolios^® and Schwab Intelligent Portfolios Premium^® are designed to monitor portfolios on a daily basis and will also automatically rebalance as needed to keep the portfolio consistent with the client's selected risk profile. Trading may not take place daily.

Diversification, automatic investing and rebalancing strategies do not ensure a profit and do not protect against losses.

Tax-loss harvesting is available for clients with invested assets of $50,000 or more in their account. Clients must choose to activate this feature.

Schwab Intelligent Income^® is an optional feature for clients to receive recurring automated withdrawals from their accounts. Schwab does not guarantee the amount or duration of withdrawals nor does it guarantee meeting Required Minimum Distributions. You may incur IRS penalties for early withdrawal of funds depending on the account type.

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