Investment Product Disclosures

Investment Product Disclosures

Important Information for investors: 

This section provides investors with important information about risks and other considerations associated with investing. Whether you are a new or experienced investor, understanding the complexities and potential risks involved in various investment products is crucial for making informed financial decisions. Here you will find disclosures designed to help you understand and assess potential risks, including specific investment products and Schwab programs.

  • This material was provided to you at your request and is not an offer or solicitation for any trading activity or other purpose.
  • Past performance is no guarantee of future results.
  • Investors in mutual funds and/or ETFs should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus via Prospectus & Reports or by calling 1-800-435-4000. Please read the prospectus carefully before investing.

  • Futures, and Futures options trading involves substantial risk and is not suitable for all investors. Please read the Risk Disclosure Statement for Futures and Options prior to trading futures products.

    Forex trading involves leverage, carries a substantial level of risk, and is not suitable for all investors. Please read the Risk Disclosure for Forex: https://www.schwab.com/resource/forex-risk-disclosure-statement.

    Futures and forex accounts are not protected by the Securities Investor Protection Corporation (SIPC). Forex accounts do not receive a preference in any bankruptcy proceeding pursuant to Part 190 of the CFTC’s regulations.

    Read additional CFTC and NFA futures and forex public disclosures for Charles Schwab Futures and Forex LLC. 

    Futures, futures options, and forex trading services provided by Charles Schwab Futures and Forex LLC. Trading privileges subject to review and approval. Not all clients will qualify. Forex accounts are not available to residents of Ohio or Arizona.

  • Equity and index options carry a high level of risk and are not suitable for all investors. Certain requirements must be met to trade options through Schwab. Please read the Options Disclosure Document titled "Characteristics and Risks of Standardized Options" before considering any option transaction.
  • Schwab Advisor Network ("SAN") advisors are independent and are not employees or agents of Charles Schwab & Co., Inc. ("Schwab"). Schwab prescreens advisors and checks their experience and credentials against criteria Schwab sets, such as years of experience managing investments, amount of assets managed, professional education, regulatory licensing and business relationship as a client of Schwab. Advisors pay fees to Schwab in connection with referrals. Schwab does not supervise advisors and does not prepare, verify or endorse information distributed by advisors. Investors must decide whether to hire an advisor and what authority to give the advisor. Investors, not Schwab, are responsible for monitoring and evaluating an advisor's service, performance and account transactions. Services may vary depending on which advisor an investor chooses.
  • INVESTMENT AND INSURANCE PRODUCTS:  NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE
  • Charles Schwab & Co., Inc., and Charles Schwab Bank, SSB are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Deposit and lending products are offered by Charles Schwab Bank, SSB, Member FDIC and an Equal Housing Lender.
  • Schwab Wealth Advisory™ ("SWA") is a non‐discretionary investment advisory program sponsored by Charles Schwab & Co., Inc. ("Schwab"). Schwab Wealth Advisory, Inc. ("SWAI") is a Registered Investment Adviser and provides portfolio management for the SWA program. Schwab and SWAI are affiliates and are subsidiaries of The Charles Schwab Corporation.
  • Please read the Schwab Intelligent Portfolios disclosure brochure at Schwab.com/transparency/advisory for important information, pricing, and disclosures relating to the Schwab Intelligent Portfolios program.
  • Schwab Intelligent Portfolios is made available through Charles Schwab & Co., Inc. ("Schwab"), a dually registered investment adviser 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.]
  • Charles Schwab does not offer script writing services at this time, however, on request we may provide educational examples to assist in your assimilation of our proprietary programming language. We encourage you to review and study the thinkScript manual prior to utilizing any custom script. All scripts and examples are for educational purposes only, you should carefully review and test your script before using it as a basis for live trading.
  • This material contains links to content that is available on third-party websites. Schwab is not affiliated with and not responsible for the content and does not provide, edit, or endorse any of the content.
  • Amazon, [Kindle, Alexa, Echo, Dash, Fire, etc.] and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
  • Android is a trademark of Google LLC. Use of this trademark is subject to Google Permissions.
  • Apple, the Apple logo, iPad, iPhone, iWatch, Apple Pay and Apple Podcasts are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.