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Get help building a diversified portfolio

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Building a diversified portfolio is a key principle for investing success.1 

But with thousands of funds to choose from across many asset classes, getting started can be challenging. 

Schwab's Personalized Portfolio Builder simplifies this process by helping you build a diversified portfolio of mutual funds or ETFs (exchange-traded funds) that meets your needs. 

Here's how it works. 

First, log in and choose the specific Schwab account you want to build your portfolio in. 

Then you'll select the type of investment you're looking for. You can build an all-mutual fund portfolio—either taxable-bond funds or municipal-bond funds—or an all-ETF portfolio. 

From there you'll choose your risk profile, ranging from conservative to aggressive. Once you choose, you'll see a preview of our recommended asset allocation. 

After that, you'll specify your initial investment. There is no minimum, but we suggest at least $5,000 to ensure proper diversification. 

Next, you'll compare and select from the short list of funds chosen by our experts.2 

The charts provide information on recent performance history, or you can dive deeper for a more thorough comparison. 

Once you select a fund, the Personalized Portfolio Builder automatically calculates the number of shares you need to purchase in order to match your target asset allocation. 

You'll choose across multiple asset classes to build your new diversified portfolio. You can customize your allocation percentages to fit your preferences or opt out of an asset class altogether. 

Once you've completed your selections, click the Trade button to purchase the funds. You'll now be able to track and monitor your positions from your account. 

To access the Personalized Portfolio Builder and get started on your own diversified portfolio, open an account in just minutes on schwab.com or call us with any questions at 866-855-7728.

1. Diversification strategies do not ensure a profit and do not protect against losses in declining markets. 

2. For illustrative purposes only. All tickers are hypothetical and do not represent any actual investment. Please see important disclosures at the end of this presentation. 


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Build a personalized portfolio with Schwab—at no cost.

Create a personalized portfolio of mutual funds or ETFs with our Personalized Portfolio Builder tool. 

  • Create your portfolio in 5 simple steps
  • Complimentary to use for Schwab clients
  • No minimum investment required

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See top fund picks from Schwab experts that can help to strengthen your portfolio.

Find top-performing mutual funds, including Schwab Index Funds and leading funds from third-party providers, across various categories with our Select List®. Rigorously prescreened by our experts and updated each quarter, the list narrows down a universe of 20,000 mutual funds to 175 carefully selected options. Each mutual fund has no loads or transaction fees, leaving you more money to invest.

Funds and features

  • Funds
  • Features
  • Funds
    Large-cap U.S. stock funds
  • Features
    • Invest primarily in stocks that fall in the top 70% of the U.S. market capitalization range.
    • Includes Large-cap Growth, Value, and Blend funds.  
  • Funds
    Small- and mid-cap U.S. stock funds
  • Features
    • Small-caps invest in stocks falling in the bottom 10% of the U.S. market cap range.
    • Mid-caps invest primarily in stocks that fall in the next 20% of the range above the small-cap stocks.  
  • Funds
    International stock funds
  • Features
    • Typically have less than 20% of assets invested in the United States.
    • Includes World Large Stock, Regional, and Emerging market funds.
  • Funds
    Specialty funds
  • Features
    • Concentrate investments in firms that fall into specific industries that produce related products or services.
    • In general, have a low correlation to market indices.
    • Can be more volatile than broadly diversified equity funds.
  • Funds
    Taxable bond funds
  • Features
    • Generally invest in the debt obligations issued by the U.S. Treasury, other U.S. government agencies, and U.S. corporations.
    • May invest in high-yield and foreign (non-U.S.) bonds.
  • Funds
    Tax-free bond funds
  • Features
    • Primarily invest in municipal bonds generally issued by state and local governments to fund general expenditures and public projects.
    • Investment income may be subject to certain state and local income taxes or alternative minimum tax (AMT).
  • Funds
    Additional fund categories
  • Features
    • Balanced funds invest in a mix of stocks, bonds, and cash within one fund.
    • Also includes Convertible funds and Target Date funds.

How are funds selected

How are funds selected for Schwab's Mutual Fund Select List?

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