Why Schwab for a source of investment income?

We'll help you build a diversified portfolio of income-generating products.

Let us partner with you to explore the many ways to fund your retirement. A Schwab Financial Consultant can introduce you to our range of products and services. Schwab's professional portfolio management solutions come with a wealth of expertise, helping you obtain an income-generating portfolio that makes sense for your goals.

Our commitment to you.

Be sure to ask about our straightforward pricing for each investment solution. From our $1-per-bond1 markup for online trades to over commission-free ETFs,2 we strive to keep costs low so that more of your money can stay invested.

Our approach to retirement income.

  • Analysis: A Financial Consultant can get to know your specific situation, including financial goals and income needs.
  • Planning: Together with you, we’ll build a retirement plan that accounts for your anticipated income needs, whether now or in the future.
  • Implementation: A Financial Consultant can recommend an appropriate mix of products based on your retirement plan and refer you to product specialists where appropriate.
  • Monitoring: You’ll meet periodically with a Financial Consultant to assess any changes in your financial situation and then adjust your plan and investment portfolio when needed.

Start building your retirement income plan today. Call 800-305-1455.

Browse income products

Explore income categories and select examples of our products and services:

  • Stocks

    Stocks have the potential to deliver a regular stream of dividend income that can grow over time to keep pace with inflation.3

  • Bonds

    Bonds can provide diversification, cash flow, and steady income.

  • Cash & CDs

    Cash & CDs are designed to provide liquidity and safety and to preserve your capital. Cash can fund your current spending and provide a short-term reserve to cover the unexpected.

  • Annuities

    Certain annuities can help protect your income from market volatility and provide a guaranteed income stream for life.4

Professionally managed solutions available through Schwab provide a choice of ways to pursue your income-generating goals. Here are four examples that a Financial Consultant may discuss with you:

  • Schwab Intelligent Portfolios® 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—choose the level of professional support that helps you stay on track with your retirement goals.
  • Schwab Intelligent Portfolios Premium™ Automated investing with human help when you need it. Our robo-advisor builds, monitors, and automatically rebalances a diversified portfolio based on your goals. Plus, add our premium service for planning and unlimited 1:1 guidance from a CERTIFIED FINANCIAL PLANNER(TM) professional.
  • Fixed income managed accounts Get access to a range of fixed income strategies from respected asset management firms across the industry. Your Financial Consultant can recommend strategies based on your needs, such as municipal bonds, bond ladders, and core fixed income.
  • ThomasPartners® ThomasPartners ® specializes in the construction and management of portfolios that seek to provide monthly income, income growth and competitive total returns over time. With a similar investment philosophy, the firm offers two approaches: an equity strategy and a strategy blended with equities and fixed income. Both strive to deliver a reliable source of income to help you reach retirement and have the funds you need to get through it.
  • Schwab Private Client™ Schwab Private Client is designed to consider every aspect of your overall financial picture, including retirement income. Your dedicated team will work with you to assess your wealth management needs, develop a comprehensive plan, build a customized income-generating portfolio based on your needs, and manage your investments as your financial situation evolves. Using our modern approach to portfolio construction, your team will help you choose an asset allocation with an optimal blend of growth and income.

Questions you may have:

Q: Will my investments generate enough income to last a lifetime?
Q: How can I keep pace with increases in living expenses and health care?
Q: What are some safe investments that generate income?
Q: Can I fund my retirement from investment income?

Start building your retirement income plan today.

We're here to help

Looking to trade bonds or CDs online? Log in to your Schwab account to get access to our tools.

Clients of independent investment advisors: You may also contact your advisor or call Schwab Alliance at 800-515-2157.

1. Schwab reserves the right to act as principal on any bond transaction. In secondary market principal transactions, the price will be subject to our standard markup in the case of purchases and a markdown in the case of sales and may also include a profit or loss to Schwab in the form of a bid-ask spread. When trading as principal, Schwab may also be holding the security in its own account prior to selling it to you and, therefore, may make (or lose) money depending on whether the price of the security has risen or fallen while Schwab has held it.

2. ETFs at Charles Schwab & Co., Inc. ("Schwab") can be traded without a commission on buy and sell transactions made online in a Schwab account. Schwab does not receive payment to promote any particular ETF to its customers. Schwab's affiliate Charles Schwab Investment Management, Inc. ("CSIM") serves as investment advisor to the Schwab ETFs™, which compensate CSIM out of the applicable operating expense ratios. The amount of the fees is disclosed in the prospectus of each ETF.

3. Neither dividends nor growth of dividends is guaranteed. Stocks are subject to loss of principal.

4. Annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company, not Schwab.

Credit Notice: From Investor's Business Daily, January 28, 2019, ©2019 Investor's Business Daily, Inc. All rights reserved. Used by permission and protected by the Copyright Laws of the United States. The printing, copying, redistribution or retransmission of this Content without express written permission is prohibited. Results based on an Investor's Business Daily ('IBD") and Technometrica survey of 2,762 visitors to the IBD website between November and December 2018. Those individuals were asked to name and rate their primary online broker. Limiting data analysis to only those firms that were cited by 200 or more participants, six online brokers were ranked based on Customer Experience Index scores for fourteen separate attributes. For further information on how the ratings were calculated, see IBD's Criteria and Methodology.

Brokerage and Insurance Products: Are Not Deposits • Are Not FDIC-Insured • Are Not Insured By Any Federal Government Agency • Are Not Guaranteed By the Bank or Affiliates of the Bank • May Lose Value

Investors should carefully consider information contained in the prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling Schwab at 800-435-4000 or by visiting Schwab.com. Please read the prospectus carefully before investing.

The information here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The types of securities and investment strategies mentioned may not be suitable for everyone. Each investor needs to review a security transaction for his or her own particular situation.

Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks, including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.

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. Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).

Portfolio management is provided by ThomasPartners, Inc. ("ThomasPartners"), a registered investment advisor and affiliate of Charles Schwab & Co., Inc. ("Schwab").

Please read the Schwab Private Client and the Schwab Private Client Investment Advisory, Inc. Disclosure Brochures for information and disclosures about this service.

There is no guarantee the intended goal, or the duration of future withdrawals associated with those goals, will be reached.

Please read the Schwab Intelligent Portfolios Solutions™ disclosure brochures for important information, pricing, and disclosures related to the 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 Advisory, Inc. ("CSIA"). Schwab and CSIA are subsidiaries of The Charles Schwab Corporation.
 
There is no advisory fee or commissions charged for Schwab Intelligent Portfolios. For Schwab Intelligent Portfolios Premium, the advisory fees consist of $300 upon enrollment and an additional $30 per month 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.
 
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.

Investments in managed accounts should be considered in view of a larger, more diversified investment portfolio. Please read Schwab’s disclosure brochure for important information and disclosures relating to managed accounts at Schwab.

CDs from Schwab CD OneSource® are issued by FDIC-insured institutions and are subject to change and system access. Unlike mutual funds, certificates of deposit offer a fixed rate of return and are FDIC-insured up to $250,000 per depositor per institution, based on account ownership type. Visit www.fdic.gov for details. There may be costs associated with early redemption and possible market value adjustment.

Charles Schwab & Co., Inc., a licensed insurance agency, distributes certain life insurance and annuity contracts that are issued by nonaffiliated insurance companies. Not all products are available in all states. Annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.

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