Change the way you invest with Schwab Intelligent Portfolios.

Schwab Intelligent Portfolios is an online investment advisory service that builds, monitors, and rebalances your portfolio—so you don't have to.

  • Builds an ETF portfolio with up to 20 asset classes.
  • Helps you set, track, and work toward your goals.
  • Automatically projects a sustainable retirement income stream based on your stated goals.
  • No advisory fees, account service fees, or commissions charged.
  • Invest with as little as $5,000.
  • Straightforward online enrollment gets you started in minutes.
  • Schwab investment professionals available 24/7.

Ready to get started?

Schwab Intelligent Portfolios™ charges no advisory fees. Schwab affiliates do earn revenue from the underlying assets in Schwab Intelligent Portfolios accounts. This revenue comes from managing Schwab ETFs™ and providing services related to certain third-party ETFs that can be selected for the portfolios, and from the cash feature on the accounts. Revenue may also be received from the market centers where ETF trade orders are routed for execution.

Schwab investment professionals are employees of Charles Schwab & Co., Inc.

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

Meet the technology that can change the way you invest.

Access Schwab Intelligent Portfolios™, an automated investment advisory service, on any device including tablets and mobile phones.

Investing can be a challenge. It takes time to study the market, choose the appropriate investments, and rebalance your portfolio.

Schwab Intelligent Portfolios™ is an automated investment advisory service that builds, monitors, and rebalances your portfolio—so you don't have to. And Schwab Intelligent Portfolios doesn't charge advisory fees, account service fees, or commissions.

Schwab Intelligent Portfolios will monitor your progress toward your goals and provide suggestions to help you stay on track.

Looking for income in retirement? Schwab Intelligent Portfolios makes it easy to set and adjust a target withdrawal amount to help you get a sustainable income stream.

Read Using Schwab Intelligent Portfolios for Income Goals for more information.

Access Schwab Intelligent Portfolios™, an automated investment advisory service, on any device including tablets and mobile phones.

Schwab Intelligent Portfolios is designed to monitor a client's portfolio on a daily basis and will also automatically rebalance as needed to keep the portfolio consistent with the client's selected risk profile unless such rebalancing may not be in the best interest of the client. Trading may not take place daily.

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

Sophisticated portfolio management used to be reserved for the wealthiest investors. Not anymore.

For Illustrative purposes only. Not representative of any specific investment or account.

Now, Schwab Intelligent Portfolios makes professional advisory services available to anyone with $5,000 to invest.

To build and manage your portfolio, Schwab Intelligent Portfolios uses an advanced algorithm and the professional insight of the Charles Schwab Investment Advisory, Inc. (CSIA) team. You will get a diversified portfolio composed of low-cost exchange-traded funds (ETFs)—all handpicked by the CSIA team.

Portfolios include up to 20 asset classes across stocks, fixed income, real estate and commodities, as well as an FDIC-insured cash component–so they’re truly diversified. After the ETFs are chosen, the experts at CSIA monitor their performance on an ongoing basis to make sure the ETFs continue to provide consistency and diversity.

For Illustrative purposes only. Not representative of any specific investment or account.

No advisory fees. No account service fees. No commissions. Period.

Fees can eat away at your bottom line
Portfolio example assumes annualized return of 6%, investment advisory fee of 1% vs 0%. Not representative of any specific investment or product. Past performance is no guarantee of future results. Source: Schwab Center for Financial Research. Please see the Schwab Intelligent Portfolios’ disclosure brochures for information related to the cash feature in Schwab Intelligent Portfolios.

Fees matter. Over time, even small fees can make a big dent in your bottom line. That’s why Schwab Intelligent Portfolios charges no advisory fees, no commissions and no account service fees—leaving you with more of your money to invest.

Schwab Intelligent Portfolios charges no advisory fees. Schwab affiliates do earn revenue from the underlying assets in Schwab Intelligent Portfolios accounts. This revenue comes from managing Schwab ETFs™ and providing services relating to certain third-party ETFs that can be selected for the portfolio, and from the cash feature on the accounts. Revenue may also be received from the market centers where ETF trade orders are routed for execution.

Fees can eat away at your bottom line
Portfolio example assumes annualized return of 6%, investment advisory fee of 1% vs 0%. Not representative of any specific investment or product. Past performance is no guarantee of future results. Source: Schwab Center for Financial Research. Please see the Schwab Intelligent Portfolios’ disclosure brochures for information related to the cash feature in Schwab Intelligent Portfolios.

You'll stay on track with automatic rebalancing.

This chart demonstrates how a diversified portfolio’s volatility can increase if it is left to drift with the market ups and downs.

Source: Schwab Center for Financial Research, with data from Morningstar, Inc.

Performance is based on a hypothetical moderate asset allocation (35% large-cap stocks, 15% international stocks, 10% small-cap stocks, 35% bonds, and 5% cash investments), rebalanced annually, from 1970 to 2013.

With any portfolio, natural market fluctuations increase and decrease the value of some of your holdings, causing your asset allocation to stray from its target. When that happens, it’s time to rebalance by buying underweight and selling overweight asset classes.

Rebalancing is critical to successful investing. Schwab Intelligent Portfolios monitors your portfolio with daily check-ins and automatically rebalances across up to 20 asset classes, working to keep your investments consistent with your selected risk profile, which may help with investment growth and reduced volatility over time.

Rebalancing can lower risk.

This example demonstrates how a diversified portfolio’s volatility can increase if it is left to drift with the market ups and downs.

Portfolio Volatility - Hypothetical Moderate Asset Allocation

This chart demonstrates how a diversified portfolio’s volatility can increase if it is left to drift with the market ups and downs.

Risk is based on the standard deviation of a hypothetical moderate asset allocation (35% large-cap stocks, 15% international stocks, 10% small-cap stocks, 35% bonds, and 5% cash investments), rebalanced annually, from 1970 to 2013. Source: Schwab Center for Financial Research, with data from Morningstar, Inc.

Portfolio volatility (as measured by standard deviation) estimates are based on market indexes representing these asset classes. The example is hypothetical and provided for illustrative purposes only. It is not intended to represent a specific investment product. Indexes used for hypothetical moderate asset allocation: U.S. large-cap stocks: S&P 500® Index. U.S. small-cap stocks: Russell 2000® Index; the Center for Research in Security Prices (CRSP) 6–8 Index was used prior to 1979. International stocks: MSCI EAFE® Net of Taxes. Bonds: Barclays U.S. Aggregate Bond Index; the Ibbotson Intermediate-Term Government Bond Index was used prior to 1976.Cash equivalents: Citigroup 3-Month U.S. Treasury Bill Index; the Ibbotson U.S. 30-day Treasury Bill Index was used prior to 1978. Indexes are unmanaged, do not incur fees and expenses, and cannot be invested in directly.

We can automatically harvest losses to help offset taxes on gains.

This chart illustrates how tax loss harvesting could have affected a portfolio’s value from 2008 to 2015, based on a hypothetical moderate risk portfolio.

The chart above illustrates how tax loss harvesting could have affected your account value from 2008 through 2014, based on a hypothetical moderate risk portfolio. The actual benefit of tax-loss harvesting will vary from year to year and from investor to investor. For example: there may be fewer losses to harvest in years where markets are consistently rising; an investor’s personal tax circumstances may mitigate or eliminate the benefit of tax loss harvesting; and the future sale of replacement assets may result in higher capital gains than otherwise would be the case.

Source: Charles Schwab Investment Advisory –
This example is hypothetical and for illustrative purposes only. It is not intended to represent a specific investment product. It is not tax advice, and each investor is strongly encouraged to consult its own tax advisor about the utility of tax loss harvesting. The example is based on a hypothetical $100k moderate risk portfolio held in a taxable account. Daily ETF returns were used when available. When not available, returns were backfilled with the underlying index. When the underlying index was unavailable, then the strategic benchmark returns were used. A 39.6% federal tax rate was assumed on ordinary income and short-term capital gains and no allowance was made for state taxes. Tax loss harvesting opportunities were checked for all asset classes. The losses being captured had to be greater than a set threshold before the trade was made. At the end of every calendar year, the tax savings were reinvested in the portfolio. The tax savings are equal to the assumed tax rate multiplied by the amount of ordinary income offset by losses captured through the program. The amount of ordinary income that may be offset by losses is limited to $3000, or the amount of losses captured plus any tax loss carry forwards, whichever is smaller. The hypothetical example shown resulted in $10,617 of losses that could potentially carry forward to future calendar years. There was no rebalancing assumed in the hypothetical portfolio. The example assumes that there are no capital gains from any other portfolio. The example does not consider the potential future sale of replacement assets, which could result in higher capital gains than would be the case without tax-loss harvesting.
One of the most effective tools for offsetting investment-related taxes is
Tax-loss harvesting can reduce the impact of taxes on your net returns from investment. Here’s how it works:
  • Generally, when you sell a security for a profit, such as when your portfolio is rebalanced, it can generate a taxable gain.
  • With tax-loss harvesting, securities that have lost value are sold. This can help offset a limited amount of ordinary income and/or gains elsewhere in your portfolio, and so reduce your taxes.
  • When a security is sold for tax-loss harvesting, it is replaced by a similar security to keep your allocation on track.
selling a security that’s lost value in order to offset the gain on another security, and then replacing the sold security with a similar security to keep your portfolio allocation on target.
Tax-loss harvesting can be a complicated and time-consuming strategy, so for a long time it was only available to the wealthiest investors. But now with a Schwab Intelligent Portfolios account of $50,000 or more, tax-loss harvesting can be handled automatically once you enroll in this service. Learn more.

Tax savings can improve your returns over time, because more of your assets stay invested.

This chart illustrates how tax loss harvesting could have affected a portfolio’s value from 2008 to 2014, based on a hypothetical moderate risk portfolio.

The chart above illustrates how tax loss harvesting could have affected your account value from 2008 through 2015, based on a hypothetical moderate risk portfolio. The actual benefit of tax-loss harvesting will vary from year to year and from investor to investor. For example: there may be fewer losses to harvest in years where markets are consistently rising; an investor’s personal tax circumstances may mitigate or eliminate the benefit of tax loss harvesting; and the future sale of replacement assets may result in higher capital gains than otherwise would be the case.

Source: Charles Schwab Investment Advisory –
This example is hypothetical and for illustrative purposes only. It is not intended to represent a specific investment product. It is not tax advice, and each investor is strongly encouraged to consult its own tax advisor about the utility of tax loss harvesting. The example is based on a hypothetical $100k moderate risk portfolio held in a taxable account. Daily ETF returns were used when available. When not available, returns were backfilled with the underlying index. When the underlying index was unavailable, then the strategic benchmark returns were used. A 39.6% federal tax rate was assumed on ordinary income and short-term capital gains and no allowance was made for state taxes. Tax loss harvesting opportunities were checked for all asset classes. The losses being captured had to be greater than a set threshold before the trade was made. At the end of every calendar year, the tax savings were reinvested in the portfolio. The tax savings are equal to the assumed tax rate multiplied by the amount of ordinary income offset by losses captured through the program. The amount of ordinary income that may be offset by losses is limited to $3000, or the amount of losses captured plus any tax loss carry forwards, whichever is smaller. The hypothetical example shown resulted in $10,617 of losses that could potentially carry forward to future calendar years. There was no rebalancing assumed in the hypothetical portfolio. The example assumes that there are no capital gains from any other portfolio. The example does not consider the potential future sale of replacement assets, which could result in higher capital gains than would be the case without tax-loss harvesting.

Tax-loss harvesting is available for clients with invested assets of $50,000 or more in their Schwab Intelligent Portfolios account. Clients must enroll to receive this service. Please be aware that the ability to realize significant tax benefits from tax-loss harvesting depends upon a variety of factors, and no assurance can be offered that a particular investor will in fact realize significant tax benefits.

This page illustrates the possible benefits of reinvesting federal income tax savings, if the portfolio weights associated with a hypothetical portfolio of moderate risk held in a taxable account had been in existence and employed for the period specified, and does not reflect actual results. The hypothetical example is designed to allow investors to understand and evaluate the application of tax loss harvesting to a portfolio by seeing the potential benefits from federal income tax savings that may have occurred during a certain time period. While the hypothetical results reflect the general application of tax loss harvesting, they have certain limitations and should not be considered indicative of future results by any client. In particular, the example results do not reflect actual federal income tax savings in an actual account, so there is no guarantee that, in fact, an actual account would have achieved the results shown. Moreover, the potential federal income tax savings do not reflect investments outside the program that could impact the utilization or realization of such savings. The hypothetical example results also assume that federal income tax rates would have remained static over the period. Index returns were used when ETFs in the Portfolios were not in existence. Hypothetical fees were not applied to index returns to simulate ETF net of fees performance, and therefore, the federal income tax savings would have been higher had actual simulated ETF fees been applied in the hypothetical Portfolios. The simulation used total return data. For purposes of estimating hypothetical historical federal income tax savings, the portfolio weights associated with a hypothetical portfolio of moderate risk were assumed to be static throughout history. In reality, the portfolio allocation is likely to change over time.

The tax-loss harvesting example is based on a hypothetical moderate risk portfolio based using the following asset allocation and strategic benchmarks: 15% U.S. large company stocks, 9% U.S. small company stocks, 11% int’l developed large company stocks, 7% int’l. developed small company stocks, 7% int’l. emerging market stocks, 3% U.S. REITs, 2% int’l. REITS, 2% U.S. Treasuries, 3% U.S. investment-grade corporate bonds, 7% U.S. securitized bonds, 1% U.S. inflation-protected bonds, 4% int’l. developed country bonds, 8% U.S. corporate high-yield bonds, 4% int’l. emerging market bonds, 5% gold and other precious metals, and 12% cash investments.

If you have time for a cup of coffee, you have time to start investing with Schwab Intelligent Portfolios.

Schwab Intelligent Portfolios will recommend a portfolio that’s designed to achieve your target investment allocation.
For illustrative purposes only

Get invested in three simple steps.

  1. Answer a few straightforward questions to help us determine your risk profile.
  2. Review your recommended portfolio.
  3. Complete the simple enrollment process.

Then, Schwab Intelligent Portfolios starts working for you. Monitoring your progress and managing your account is easy too. All your portfolio information is at your fingertips, whether you’re on your desktop or mobile device.


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