Download the Schwab app from iTunes®Get the AppClose

  • Find a branch
To expand the menu panel use the down arrow key. Use Tab to navigate through submenu items.

Important Disclosures

Past performance does not guarantee future results.

Indexes are unmanaged, do not incur fees or expenses and cannot be invested in directly. All returns include reinvestment of dividends and interest and do not include fees or expenses. If included returns would be lower.

Performance is calculated as the weighted average of the market index returns that represent each asset class in the models. Returns include reinvestment of interest and dividends, do not account for taxes or fees, and the models are rebalanced monthly.

Actual future returns in any given year can and probably will be significantly different from the historical averages and total wealth accumulated results shown here. Strategies may not be suitable for all clients.

The indexes representing each asset class in the charts shown above and historical asset allocation models are S&P 500® Index (large-cap stocks); Russell 2000® Index (small-cap stocks); MSCI EAFE Net of Taxes (international stocks); Barclays U.S. Aggregate Bond Index (bonds); and Citigroup 3-Month U.S. Treasury Bills (cash equivalents). CRSP 6-8 was used for small-cap stocks prior to 1979, Ibbotson Intermediate-Term Government Bond Index was used for fixed income prior to 1976, and Ibbotson 30-Day U.S. Treasury Bill Index was used for cash equivalents prior to 1978.

The information here is for general informational purposes only, does not represent a specific product and should not be considered an individualized recommendation or personalized investment advice. Asset allocation does not eliminate the risk of investment losses.

Source: Schwab Center for Financial Research with data provided by Morningstar Inc. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.


Thumbs up / down votes are submitted voluntarily by readers and are not meant to suggest the future performance or suitability of any account type, product or service for any particular reader and may not be representative of the experience of other readers. When displayed, thumbs up / down vote counts represent whether people found the content helpful or not helpful and are not intended as a testimonial. Any written feedback or comments collected on this page will not be published. Charles Schwab & Co., Inc. may in its sole discretion re-set the vote count to zero, remove votes appearing to be generated by robots or scripts, or remove the modules used to collect feedback and votes.