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Schwab Managed Retirement Trust Funds™5

If you lack the confidence to actively manage your retirement plan savings options on your own, target retirement funds may be right for you. These funds automatically adjust over time to help meet your changing risk and return objectives up to and beyond the target date. By choosing the fund that closely matches the year you plan to retire, as well as other factors important to your planning objectives, you set your retirement plan in motion, leaving the details to professional investment managers. It is recommended that you review your investments at least annually.

The values of the target funds will fluctuate up to and after the target dates. There is no guarantee the funds will provide adequate income at or through retirement. The funds are subject to market volatility and risks associated with the underlying investments. Risks include exposure to international and emerging markets, small company and sector equity securities, and fixed income securities subject to changes in inflation, market valuations, liquidity, prepayments, and early redemption. The funds are built for investors who expect to start gradual withdrawals of fund assets on the target date, to begin covering expenses in retirement. The principal value of the funds is not guaranteed at any time.

What Are Schwab Managed Retirement Trust Funds™?

Schwab Managed Retirement Trust Funds were developed for participants who want to contribute and save for retirement, but desire help from a professional to manage their investment and asset allocation decisions. These funds automatically adjust over time to help meet your changing risk and return objectives up to and beyond the target date. The funds are built for investors who expect to start gradual withdrawals of fund assets on the target date, to begin covering expenses in retirement. The principal value of the funds is not guaranteed at any time, and will continue to fluctuate up to and after the target date.

Each Schwab Managed Retirement Trust Fund is spread across multiple asset classes, including large-cap stocks, small-cap stocks, international stocks, fixed income, stable value and money market instruments.

How Schwab Managed Retirement Trust Funds™ Work:
  • Choose the fund that closely matches the year you plan to retire and meets your other retirement planning objectives. That fund will transition from an aggressive to a more conservative investment mix up to the target date, and will continue to become more conservative beyond the target date.
  • Independent investment professionals will make the decisions about investments and asset allocation for the underlying fund.
  • Over time, the asset allocation becomes more conservative.
  • There is also an income fund designed to meet your needs in retirement.
5 The Schwab Managed Retirement Trust Funds™, Schwab Indexed Retirement Trust Funds®, Schwab Institutional Trust Funds®, and Charles Schwab Stable Value Fund™ are collective trust funds maintained by Charles Schwab Bank, who acts as trustee of the Funds. The Charles Schwab Bank collective trust funds are not insured by FDIC or any other type of deposit insurance; are not deposits or other obligations of, and are not guaranteed by Charles Schwab Bank or any of its affiliates; and involve investment risks, including possible loss of principal invested. The Funds are not mutual funds, and their units are not registered under the Securities Act of 1933, as amended, or applicable securities laws of any state or other jurisdiction. The Funds are exempt from registration under the Investment Company Act of 1940, as amended, or other applicable law, and unit holders are not entitled to the protections of the 1940 Act. The decision to invest in the Funds should be carefully considered. The unit values for the Funds will fluctuate, and investors may lose money.
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