Detailed Description

Schwab's digital trading platforms, including Schwab.com and the Schwab Mobile app, are built to empower investors to take charge of their financial lives. The platforms are continuously improved based on investor feedback and focus on delivering a seamless, intuitive experience for a wide range of financial activities.

Key Features

• Intuitive, client-inspired web platform (Schwab.com) for account management and trading
• Mobile app that streamlines the desktop experience for on-the-go investing
• Support for investing, trading, research, learning, banking, and moving money
• Customizability and flexibility to suit different investor needs
• Access to tools and resources for managing accounts and investments online
• Security features and protections through SchwabSafe®
• Award-winning technology recognized for platforms & tools, ease of use, and mobile trading apps

Key Benefits

• Empowers investors to take charge of their financial life with confidence
• Continuous innovation based on client feedback
• Seamless integration of investing, trading, research, and banking
• Award-winning ease of use and platform quality
• Robust security features to protect accounts

Documentation

Who Is It For

• Self-directed investors
• Active traders
• Investors seeking intuitive digital tools for account management, trading, and research
• Clients who value mobile access to their investments

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Detailed Description

Schwab enables investors to access cryptocurrency exposure through exchange-traded products (ETPs), mutual funds, stocks, futures, and thematic ETFs. Direct trading of individual cryptocurrencies is not available, but clients can invest in products that track or are linked to the performance of cryptocurrencies and blockchain technology.

Key Features

• Access to spot bitcoin and ether ETPs (no crypto wallet required)
• Crypto-related stocks and ETFs (e.g., Coinbase, MicroStrategy, Riot Platforms, Schwab Crypto Thematic ETF)
• Mutual funds investing in the digital asset ecosystem or crypto futures
• Cryptocurrency coin trusts trading OTC
• Listed options on crypto-related securities and spot bitcoin ETPs
• Crypto futures (bitcoin and micro bitcoin futures) for approved accounts
• Schwab Investing Themes™ platform with a Blockchain theme (minimum $250 investment)
• Integrated account management for both crypto and traditional assets

Key Benefits

• No account minimum and $0 online trade commissions for eligible products
• Multiple ways to gain crypto exposure (ETPs, mutual funds, stocks, futures, thematic ETFs)
• Ability to manage crypto and traditional investments in a single Schwab account
• Access to products from a trusted, established brokerage
• Educational resources and research on cryptocurrency and digital assets

How It Works

Documentation

Who Is It For

• Investors seeking exposure to cryptocurrencies and digital assets
• Clients interested in blockchain and related technology trends
• Individuals looking to manage crypto and traditional investments in one account
• Investors comfortable with speculative and volatile assets

Requirements

• A Schwab brokerage account is required to invest in crypto-related products.
• A separate, approved futures account is required to trade crypto futures.
• Certain requirements must be met to trade options or futures.

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Financial planning at Schwab is a personalized process that helps clients discover their goals, consider all aspects of their financial life, identify action steps, and create an investment strategy tailored to their objectives. Services range from calculators and complimentary plans to ongoing professional guidance.

Key Features

• Goal discovery and prioritization
• Comprehensive review of financial life (retirement, investment, banking, credit, education, insurance, estate, tax planning)
• Actionable steps and tailored investment strategies
• Complimentary plan with probability analysis for retirement goals
• Digital calculators for specific questions (college savings, mortgage, retirement, etc.)
• Automated investing options via Schwab Intelligent Portfolios Premium™
• Access to specialists for complex needs

Key Benefits

• Personalized financial roadmap
• Complimentary retirement-focused financial plan for all Schwab clients
• Access to digital planning tools and calculators
• Ongoing guidance from CERTIFIED FINANCIAL PLANNER™ professionals
• One-on-one advice from Financial Consultants
• No account fees or minimum deposit required
• Ability to address both simple and complex financial needs

How It Works

Documentation

Who Is It For

• Individuals seeking to plan for retirement, education, or other financial goals
• Clients at any asset level
• USAA members
• Investors needing comprehensive planning or single-goal planning

Requirements

• No account fees or minimum deposit required to start planning and investing.
• Certain eligibility requirements apply for working with a dedicated Financial Consultant.

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Detailed Description

Fixed income investments at Schwab are designed to generate a specific level of interest income, provide diversification, capital preservation, and potential tax exemptions. Schwab offers access to thousands of individual bonds from hundreds of dealers, straightforward pricing, over a thousand new issues annually, and hundreds of no-load funds and commission-free bond ETFs. Professional guidance is available from Schwab Fixed Income Specialists.

Key Features

• Access to thousands of individual bonds from hundreds of dealers
• Straightforward, transparent pricing
• Over a thousand new bond issues available annually
• Hundreds of no-load mutual funds and commission-free bond ETFs
• Fixed Income Specialists for personalized guidance
• Online trading features for self-directed investors
• Professional management through Wasmer Schroeder Strategies and other solutions
• Bond ladders, bullets, barbells, and other strategies supported

Key Benefits

• Potential for regular, predictable income
• Portfolio diversification
• Capital preservation
• Potential tax benefits (e.g., municipal bonds)
• Access to a wide range of fixed income products
• Objective, non-commissioned guidance from specialists
• Professional management options available

Documentation

Who Is It For

• Investors seeking regular income
• Those looking to diversify their portfolios
• Individuals aiming to preserve capital
• Investors interested in potential tax benefits
• Clients nearing or in retirement
• Self-directed investors and those seeking professional management

Requirements

• Minimum investments may apply for managed solutions (e.g., $250,000 for Wasmer Schroeder Strategies, as low as $5,000 for other managed accounts)
• CDs: FDIC insurance coverage applies only if certain conditions are met; aggregate limit $250,000 per depositor, per insured institution, per account type
• For bond funds and ETFs, investment minimums and fees apply as described in the prospectus

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Schwab Stock Slices is a service that enables investors to buy fractional shares (or whole shares) of S&P 500 companies for a set dollar amount, starting at $5 per slice. This makes it possible to invest in high-priced stocks without needing to buy a full share.

Key Features

• Purchase fractional shares (stock slices) of S&P 500 companies
• Minimum purchase of $5 per slice
• Maximum purchase of $50,000 per transaction
• Buy up to 30 slices in a single order
• No limit on the number of times you can invest
• Fractional shares can be held and sold independently
• No online commission fees for trades
• Available for various Schwab brokerage account types (individual, joint, custodial, etc.)

Key Benefits

• Invest in leading U.S. companies with as little as $5
• Buy fractional shares based on dollar amount, not share quantity
• Commission-free online trades for stock slices
• Ability to buy up to 30 different companies in a single transaction
• Accessible way to diversify investments
• Fractional shares pay dividends proportionate to ownership

How It Works

Documentation

Who Is It For

• Individuals who want to invest in S&P 500 companies but may not have enough funds to buy whole shares
• Investors seeking a low-cost, accessible way to diversify their portfolio
• Parents or guardians looking to gift stock ownership to minors via custodial accounts
• Existing and new Schwab brokerage account holders

Requirements

• Must have an eligible Schwab brokerage account (individual, joint, custodial, etc.)
• Minimum purchase amount is $5 per transaction
• Maximum purchase amount is $50,000 per transaction
• Only stocks in the S&P 500 Index are available for purchase through Schwab Stock Slices

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Detailed Description

Schwab Intelligent Portfolios is a robo-advisor that simplifies investing by building, monitoring, and automatically rebalancing a diversified portfolio of ETFs tailored to your investment goals, risk tolerance, and timeline. The service is designed to help investors reach goals such as retirement, buying a home, saving for college, or building long-term wealth.

Key Features

• Automated portfolio construction using a short questionnaire
• Portfolios built from about 50 ETFs spanning 20+ asset classes
• More than 80 portfolio variations available
• Daily monitoring and automatic rebalancing
• Professional oversight and periodic evaluation of ETFs and asset allocation
• Tax-loss harvesting (for taxable accounts with $50,000+)
• Personal dashboard for tracking progress and making updates
• Optional Schwab Intelligent Income® feature for automated withdrawals in retirement

Key Benefits

• No advisory fees or commissions
• Automated portfolio management and rebalancing
• Diversified portfolios tailored to your goals and risk profile
• Access to 24/7 live support from U.S.-based professionals
• Tax-loss harvesting for eligible accounts ($50,000+)
• Option to add Schwab Intelligent Portfolios Premium for unlimited CFP® guidance
• FDIC-insured cash allocation for added stability
• Range of account types supported (taxable, IRA, custodial, trust, etc.)

How It Works

Documentation

Who Is It For

• Individuals seeking automated, low-cost investment management
• Investors with at least $5,000 to invest
• Those looking to invest for retirement, college, major purchases, or general wealth building
• Clients who want access to human support and optional professional financial planning

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Detailed Description

Schwab Personal Trust Services offers professional trust administration and investment management through Charles Schwab Trust Company (CSTC), acting as a corporate trustee to help clients manage and protect their legacy. CSTC provides objectivity, experience, continuity, and favorable trust situs by administering trusts under Nevada law.

Key Features

• Trust administration services (income/principal distributions, tax return preparation, recordkeeping, reporting)
• Investment management services (professional management, portfolio adjustment)
• Assignment of a dedicated CSTC team to each trust
• Coordination with Schwab Financial Consultants for brokerage accounts
• Ability to accept various trust assets (cash, marketable securities, life insurance, annuities, real estate, promissory notes)

Key Benefits

• Professional and impartial trust administration
• Expertise in investment management and trust administration
• Seamless, responsive trust administration for the life of the trust
• Potential tax and administrative advantages under Nevada law
• Ability to serve as sole trustee, co-trustee, or successor trustee
• Dedicated team of Trust Officers and Investment Officers
• Point of contact for beneficiaries

Documentation

Who Is It For

• Individuals seeking professional trust administration and investment management
• Clients who want to appoint a corporate trustee for their personal trust
• Clients with a variety of trust types (family, wealth transfer, charitable, etc.)
• Clients who wish to utilize Nevada's favorable trust laws
• Clients with independent investment advisors (via Administrative Trustee Services)

Requirements

• CSTC must review the draft trust document to ensure required provisions are incorporated and that CSTC can fulfill fiduciary and legal responsibilities.
• CSTC is a Nevada chartered Trust Company; situs and law governing administration will be Nevada while the law for validity/construction can remain the state where the trust was drafted.
• CSTC cannot draft or amend trusts; clients must use their own estate planning attorney.

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Detailed Description

Schwab Mobile is an all-in-one app that enables users to manage their Schwab and external accounts, trade multiple asset types, access research and market insights, deposit checks, transfer money, and connect with Schwab representatives. The app is available for download on the Apple App Store and Google Play.

Key Features

• Stock alerts for price changes, news, and events
• Live chat with Schwab representatives and Schwab Assistant virtual agent
• Account summary for Schwab and external accounts
• Mobile check deposit for Schwab Bank, Brokerage, and IRA accounts
• Investment Income Summary for dividends and investment income
• Money transfer between Schwab accounts and to trusted contacts
• Customizable watchlists (up to 50 watchlists, 300 symbols each)
• Interactive charting with technical/fundamental indicators and multiple styles
• Option chains with support for two-leg strategies and greeks
• Trade Ticket for multiple asset types and up to eight stock/ETF orders at once
• Order status tracking with filtering and sorting
• Access to Schwab Investing Themes for thematic investing
• Markets & indices performance tracking with customizable timeframes
• Breaking news and sector/global region filtering
• Premium research reports from Morningstar and Argus
• Market insights including commentary, learning paths, and multimedia content
• Push notifications and text alerts for account activity
• Face ID and biometric login
• 2-step verification for enhanced security
• Branch locator and travel notice features

Key Benefits

• Manage all Schwab and external accounts in one place
• Trade stocks, ETFs, mutual funds, and options from a single location
• Deposit checks directly into Schwab accounts via mobile check deposit
• Receive real-time stock alerts and notifications
• Access premium research and market insights
• Use biometric and two-step verification for secure access
• Connect with Schwab representatives via live chat
• Easily transfer money and set travel notices

How It Works

Documentation

Who Is It For

• Schwab clients with brokerage, bank, or IRA accounts
• Investors seeking mobile access to trading and account management
• Individuals who want to monitor markets, research investments, and manage finances on the go

Requirements

• Schwab account (bank, brokerage, or IRA) for full functionality
• Compatible mobile device (iOS or Android)
• Wireless signal or mobile connection

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Detailed Description

Schwab Investing Themes provides an easy way to invest in ideas and trends by offering curated groups of stocks (themes) based on emerging trends, market insights, or innovations. Each theme is constructed using Schwab's proprietary research and technology, and investors can buy the theme as built or customize the stocks and their weights to align with personal investment strategies.

Key Features

• Each theme contains up to 25 stocks (sometimes up to 30 for fractional shares)
• Themes are built using Schwab's proprietary research and technology
• Themes can be customized: add, remove, or adjust weights of stocks
• Investors own the individual stocks in their account
• Performance tracking and comparison to the market
• Minimum investment of $250 per transaction; maximum $500,000 per transaction
• Eligible for a wide range of Schwab brokerage accounts and IRAs

Key Benefits

• Access to over 40 research-backed investment themes
• No fees to access themes and $0 online trade commissions
• Ability to customize themes by adding, removing, or adjusting exposure to individual stocks
• Easy-to-use platform for buying, selling, and monitoring performance
• Themes are periodically reviewed and updated to stay current with research
• Fractional share investing available

How It Works

Documentation

Who Is It For

• Self-directed investors interested in thematic investing
• Individuals seeking to invest in trends, innovations, or market insights
• Investors who want to customize their stock holdings within a theme
• U.S. residents with eligible Schwab brokerage accounts or IRAs

Requirements

• Must have an eligible Schwab brokerage account or IRA (individual, joint, custodial, living trusts, traditional, rollover, Roth IRAs, etc.)
• Ineligible accounts: managed and charitable brokerage accounts, international accounts
• Minimum investment per transaction: $250
• Maximum investment per transaction: $500,000

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Key Features

• Range of taxable and tax-exempt (municipal) money funds
• Minimum investment as low as $0 for most Investor Shares
• Available as mutual funds and one exchange traded fund (ETF)
• 7-day yield quoted for all funds
• Dividends generally paid on the last business day of each month
• Funds can be bought and sold in most brokerage and retirement accounts

Key Benefits

• Designed to provide stability of capital, liquidity, and income
• Convenient way to access potentially higher yields on cash
• No transaction fees to buy or sell
• Most have no investment minimums
• Solutions for both retail and institutional account types
• Extensive credit research and professional money management

Documentation

Who Is It For

• Retail investors (natural persons) for retail money market funds
• Institutional investors for institutional money market funds and government funds
• Both retail and institutional investors for government and ETF options

Requirements

• Retail money market funds are only available to natural persons
• Institutional money market funds with variable NAV are available to all investors
• Government and Treasury money market funds are available to both retail and institutional investors
• Minimum investment requirements vary by share class (Investor Shares: $0, Ultra Shares: $1,000,000, ETF: No minimum)

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Detailed Description

Schwab IRAs are personal retirement savings accounts that offer tax benefits and a variety of investment choices. They are commonly used as a primary or supplemental source of retirement savings, even for those with access to employer-sponsored plans.

Key Features

• Multiple IRA types: Traditional, Roth, Rollover, Inherited, Custodial, SEP, SIMPLE
• Online account opening and management
• Planning calculators and decision tools
• Market insights and educational content
• No income limitations for Traditional IRAs
• Income eligibility limitations for Roth IRAs
• Catch-up contributions for individuals aged 50 and over
• Support for rollovers from employer plans

Key Benefits

• Tax advantages for retirement savings
• Wide range of investment options (stocks, bonds, CDs, ETFs, mutual funds)
• No account minimum to open
• $0 online listed equity trade commissions
• Award-winning service and support
• Satisfaction guarantee on eligible fees and commissions
• Access to planning tools, calculators, and educational resources

Documentation

Who Is It For

• Individuals saving for retirement
• People with or without employer-sponsored retirement plans (e.g., 401(k), 403(b))
• Beneficiaries of inherited IRAs
• Minors with earned income (Custodial IRAs)
• Small business owners (SEP and SIMPLE IRAs)

Requirements

• Traditional IRA: No income limitations
• Roth IRA: Income eligibility limitations apply
• Custodial IRA: For minors under 18 with earned income
• Inherited IRA: For beneficiaries of a Traditional or Roth IRA
• Contribution limits apply to all IRAs

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Detailed Description

Home Loans & Rates from Charles Schwab Bank, in partnership with Rocket Mortgage®, offers mortgage solutions for purchasing a home, refinancing, or leveraging home equity. Schwab clients benefit from dedicated service, electronic document handling, and competitive rates, with potential discounts based on combined Schwab assets.

Key Features

• Range of mortgage products: purchase, refinance, home equity
• Preapproval with Verified Approval Letter (VAL)
• Electronic disclosures and document handling
• Personalized rate quotes via online calculator
• Dedicated support throughout the loan process

Key Benefits

• Dedicated Rocket Mortgage team serving Schwab clients
• Electronic document submission and e-signature for convenience
• Competitive interest rates and potential additional discounts for Schwab clients
• Closing flexibility (home, office, or preferred location)
• Access to industry-leading technology and the ability to view loan information via Schwab.com
• Verified Approval Letter (VAL) to strengthen purchase offers

How It Works

Documentation

Who Is It For

• Schwab clients seeking to purchase a home
• Clients looking to refinance an existing mortgage
• Clients interested in leveraging home equity
• First-time home buyers
• Clients seeking competitive mortgage rates and streamlined service

Requirements

• Provision of income, asset, and credit documentation for preapproval (VAL).
• Final approval requires an identified and approved property, insurance, adequate appraisal, and clear title.
• Loans are subject to credit and collateral approval.
• Other conditions and restrictions may apply.

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Detailed Description

A Pledged Asset Line is a line of credit secured by eligible, non-retirement assets in your Schwab portfolio. It allows you to access funds without selling your investments, helping you avoid potential tax consequences and keep your long-term investment strategy intact. The line is uncommitted and demand-based, meaning the bank can require repayment at any time.

Key Features

• Line of credit secured by eligible, non-retirement assets
• Minimum credit facility size of $100,000
• No application, opening, or maintenance fees
• Interest rate discounts (0.25% to 1.00%) for qualifying clients
• Funds can be used for a wide range of personal or business expenses
• Advance Rate Lookup tool to check collateral eligibility
• Uncommitted demand line: bank may demand repayment at any time

Key Benefits

• Access funds without liquidating investments
• Avoid possible tax consequences from selling securities
• Maintain long-term investment strategy
• Streamlined digital application process
• Competitive rates and exclusive discounts based on Schwab relationship
• No application, account opening, or maintenance fees
• Fast approval, usually in as little as one business day

Use Cases

• Bridge funding for a new home
• Home renovation
• New business startup
• Tax payments
• College tuition
• Dream vacation

Documentation

Who Is It For

• Individuals
• Joint account holders
• Trusts (revocable and irrevocable)
• Incorporated organizations
• Non-incorporated organizations

Requirements

• A brokerage account at Charles Schwab & Co., Inc.
• Sufficient eligible collateral to support at least $100,000 credit facility
• Collateral must be non-retirement assets
• All loans subject to credit and collateral approval

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Detailed Description

Schwab Trading Powered by Ameritrade is a comprehensive trading offering that provides clients with powerful trading platforms, an expanding library of educational resources, and specialized support from a dedicated Trade Desk team. The offering is designed to help traders analyze, strategize, and trade across a wide range of products and strategies.

Key Features

• thinkorswim platform suite (desktop, web, mobile)
• Schwab.com and Schwab Mobile app trading
• Curated trading education resources
• Trade Desk support (phone and in-platform chat)
• 24/5 equities trading
• Access to a wide range of trading products: stocks, ETFs, options, futures, forex
• Competitive margin rates

Key Benefits

• Access to award-winning thinkorswim trading platforms (desktop, web, mobile)
• Expanding education library tailored to various interests and skill levels
• Specialized support from a Trade Desk team of experienced traders
• Multiple trading platforms to choose from (thinkorswim, Schwab.com, Schwab Mobile app)
• 24/5 access to over 1,100 popular stocks and ETFs, including the entire S&P 500 and NASDAQ 100
• Competitive pricing with $0 online equity commissions and low options/futures fees
• Ranked #1 Overall Broker by StockBrokers.com (2025)

Documentation

Who Is It For

• Active traders
• Self-directed investors
• Clients seeking advanced trading tools and education
• Individuals with Schwab self-directed brokerage accounts

Requirements

• Must be a Schwab client with an eligible self-directed brokerage account
• Not available for managed and specialty accounts (e.g., Schwab Charitable, Pledged Asset Line, etc.)
• Trading privileges for futures, futures options, and forex are subject to review and approval; not all clients will qualify
• Forex accounts are not available to residents of Ohio or Arizona

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How It Works

Documentation

Who Is It For

• Individuals 18 years of age or over
• U.S. residents (including U.S. territories and Puerto Rico)
• Clients who maintain an eligible Schwab account (see eligibility criteria)

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Key Features

• Commission-free online trading for U.S. exchange-listed ETFs.
• Variety of ETF types: sector, dividend, smart beta, ESG, bond, commodity, currency, and complex ETPs.
• Personalized Portfolio Builder tool for self-directed investors.
• Automated investing services with live support from Schwab professionals 24/7.
• Educational resources and ETF research tools.
• Support via phone, chat, and in-branch visits.

Key Benefits

• Access to 30+ low-cost Schwab ETFs.
• Broaden exposure with 3,000+ ETFs from a range of asset classes and fund companies.
• All listed ETFs traded on U.S. exchanges are $0 per trade online.
• In-depth research and powerful trading platforms.
• Potential for diversification, lower costs, and flexibility.
• Personalized tools and managed portfolio solutions available.

How It Works

Documentation

Who Is It For

• Self-directed investors seeking a wide range of ETF choices.
• Investors looking for low-cost, diversified investment options.
• Clients who want access to research, tools, and managed portfolio solutions.
• Investment professionals (dedicated resources available).

Requirements

• Must open a Schwab brokerage account.
• Schwab One International® accounts require a minimum deposit to open.
• This site and offering are designed for U.S. residents; non-U.S. residents are subject to country-specific restrictions.

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Detailed Description

Schwab Intelligent Portfolios Premium provides automated portfolio management using advanced algorithms, combined with unlimited access to CERTIFIED FINANCIAL PLANNER™ professionals for personalized financial planning and guidance. Clients receive a customized financial plan, interactive digital tools, and ongoing support to help them achieve goals such as retirement, college savings, and major purchases.

Key Features

• Diversified portfolios of low-cost ETFs, handpicked by Schwab Asset Management
• Automatic portfolio monitoring and rebalancing
• Access to digital planning tools, including scenario analysis (Play Zone®)
• Personalized Action Plan and ongoing check-ins with CFP® professionals
• Ability to link and aggregate accounts from over 11,000 financial institutions
• Tax-loss harvesting available for accounts with $50,000+ (must be activated)
• Cash allocation placed in FDIC-insured Deposit Accounts at Charles Schwab Bank, SSB
• Ability to open multiple account types under one plan

Key Benefits

• Unlimited 1:1 guidance from CERTIFIED FINANCIAL PLANNER™ professionals
• Automated, algorithm-driven portfolio management and rebalancing
• Personalized, comprehensive financial planning
• Interactive online planning tools and scenario analysis
• Simple, transparent pricing
• Satisfaction Guarantee with eligible fee refunds

How It Works

Documentation

Who Is It For

• Individuals seeking automated investing with professional financial planning guidance
• Investors with at least $25,000 to invest
• Clients who want a digital financial plan and interactive planning tools
• People looking for a low-cost, subscription-based advisory service

Requirements

• Minimum $25,000 to enroll (across all Schwab Intelligent Portfolios Premium accounts)
• $5,000 minimum per account
• U.S. residency (site designed for U.S. residents; non-U.S. residents subject to restrictions)

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Detailed Description

Schwab Wealth Advisory provides professional, client-first wealth management services, including investment and retirement planning, tax information, education, and family support. The service is designed to adapt to life changes and is led by a dedicated Wealth Advisor supported by a team of experts.

Key Features

• Non-discretionary investment advisory program
• Portfolio management by Schwab Wealth Advisory, Inc., a Registered Investment Adviser
• Access to a team with expertise in options, annuities, family planning, banking, credit lending, retirement, estate, and tax planning
• Financial planning consultations
• Ongoing support and regular communication
• Online access to statements and reports

Key Benefits

• Personalized approach to wealth management based on your goals and financial life
• Comprehensive wealth management strategy that adapts to life changes
• Dedicated Wealth Advisor and access to a team of experts
• Support for investment, retirement, tax, education, and family planning
• Satisfaction Guarantee: refund of fees or commissions if not completely satisfied
• Security Guarantee: coverage for losses due to unauthorized activity in Schwab accounts

Documentation

Who Is It For

• Individuals and families with at least $500,000 in investable assets
• Clients seeking personalized, comprehensive wealth management
• Investors looking for ongoing advice and support for complex financial needs
• Those interested in retirement, estate, tax, and legacy planning

Requirements

• Minimum of $500,000 in investable assets to enroll
• Certain eligibility requirements for working with a dedicated Financial Consultant

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Key Benefits

• Tax advantages for education savings
• Flexible account options for different education funding needs
• Ability to save for education from kindergarten through college
• Options to make financial gifts to minors

Use Cases

• Saving for a child's college education
• Saving for K-12 educational expenses
• Making a financial gift to a minor for future use
• Establishing an education fund for oneself

Documentation

Who Is It For

• Individuals seeking to save for their own education
• Parents or family members saving for a child's or relative's education
• Friends or others wishing to contribute to someone's education fund
• Adults wishing to make financial gifts to minors

Requirements

• 529 Plan: Consider state-specific tax benefits and eligibility
• Custodial Account: Must be established for the benefit of a minor

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Detailed Description

The Schwab Bank Investor Savings™ account is a savings account that offers a 0.15% APY (as of December 4, 2025, variable) with no monthly service fees, unlimited ATM fee rebates worldwide, and FDIC insurance up to $250,000. The account is accessible via powerful mobile apps and allows for check deposits from anywhere using Schwab Mobile Deposit™.

Key Features

• 0.15% APY on all balances (variable, as of December 4, 2025)
• No monthly service fees
• Unlimited ATM fee rebates worldwide for cash withdrawals using the Schwab Bank Visa® Platinum Debit Card
• FDIC-insured up to $250,000 per account ownership type
• Mobile app access and mobile check deposit (Schwab Mobile Deposit™)
• Check deposit from anywhere
• Accessible with Schwab Bank Visa® Platinum Debit Card

Key Benefits

• Simplicity in managing finances
• No ATM fees globally (fees reimbursed)
• Secure, insured savings
• Easy access and transfers via mobile and online banking
• Highly rated for customer satisfaction (#1 in J.D. Power 2025 U.S. Direct Banking Satisfaction Study)

How It Works

Documentation

Who Is It For

• Individuals seeking a high-yield, low-fee savings account
• Customers who value digital banking and mobile access
• Travelers or those needing global ATM access
• Clients who want FDIC-insured savings

Requirements

• Minimum balance of $0.01 to earn APY
• Application required (download, mail, fax, upload, or branch drop-off)
• Schwab brokerage account required for mobile deposit and app access

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Detailed Description

A Schwab brokerage account allows you to buy and sell stocks, options, bonds, mutual funds, ETFs, and other financial products. You own all the assets in your account and can manage your investments online or via mobile app, with access to research, planning tools, and 24/7 support.

Key Features

• Trade stocks, options, bonds, mutual funds, ETFs, and more
• Manage accounts via Schwab.com and Schwab mobile app
• Screen and evaluate investments with online tools
• Specialized trading platforms and support
• Access to trading specialists
• Multiple ways to fund your account (EFT, wire, check)
• Ability to choose between individual and joint account types
• Margin and cash account options

Key Benefits

• $0 online commissions for listed stocks and ETFs
• No account minimums
• No opening or maintenance fees
• Satisfaction Guarantee: eligible fees refunded if not satisfied (within 90 days)
• Access to powerful trading platforms (web, software, mobile)
• Comprehensive research and planning tools
• 24/7 customer support and 300+ local branches
• Educational resources for trading and investing

How It Works

Documentation

Who Is It For

• Individuals seeking to invest in stocks, ETFs, options, bonds, and mutual funds
• Joint account holders
• USAA members
• Investors looking for self-directed trading or professional support
• U.S. residents (with some services for non-U.S. residents)

Requirements

• Social security number(s)
• Driver's license
• Employer's name and address (if applicable)
• Statement information for any assets or cash to transfer

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Detailed Description

Alternative investments are financial assets that use non-traditional approaches and cover a range of asset classes, including hedge funds, private equity, private credit, real estate, and exchange funds. They offer strategies beyond those available from publicly traded stocks, bonds, and cash investments.

Key Features

• Access to a range of alternative asset classes: private equity, private credit, hedge funds, real estate, exchange funds
• Due diligence and ongoing monitoring by Schwab Center for Financial Research
• Third-party investment options across industry providers

Key Benefits

• Potential to enhance returns compared to traditional investments
• Portfolio risk diversification, as alternatives may move differently than the stock market
• Access to professional research and due diligence by Schwab Center for Financial Research analysts
• Trusted choices from third-party alternative investment providers

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Who Is It For

• High-net-worth individuals with at least $5M in household assets held at Schwab
• Clients who have been with Schwab for at least 30 days
• Investors seeking portfolio diversification, capital appreciation, or income generation
• Investors who can meet higher minimums and are comfortable with higher risk and illiquidity

Requirements

• At least $5M in household assets held at Schwab
• Must have been a Schwab client for at least 30 days
• Additional eligibility requirements may apply for certain products (e.g., exchange funds)

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Detailed Description

Charles Schwab's Small Business Solutions provides a suite of financial products and services tailored for small businesses, including retirement plans, organization accounts, cash management solutions, margin loans, and investment support.

Key Features

• Small business retirement plans (SEP IRAs, 401(k)s, and more)
• Schwab One® Organization Account with low commissions and no monthly fees
• CDs and money market funds for cash management
• Margin loans for access to cash using portfolio securities
• Award-winning service and support
• Investment guidance and managed portfolio options

Key Benefits

• Comprehensive range of small business financial solutions in one place
• Access to retirement plans to help attract and retain employees
• Low trade commissions and $0 monthly service fees for organization accounts
• Wide range of cash management options including CDs and money market funds
• Ability to borrow against securities for business or personal needs
• 24/7 access to investment professionals and support

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Who Is It For

• Small business owners
• Businesses of any size seeking retirement plans
• Organizations needing business investment accounts
• Businesses seeking cash management or short-term financing

Requirements

• Certain conditions must be satisfied for FDIC insurance coverage to apply to CDs
• Margin borrowing involves substantial risk and is not suitable for all investors

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Detailed Description

Schwab's mutual fund offering allows investors to select from thousands of mutual funds, including index funds, actively managed funds, and funds tailored to specific preferences such as commodities, European equities, and high-yield bonds. Schwab Asset Management is a leading provider of index mutual funds, focusing on keeping investor costs low.

Key Features

• Fund Finder tool for discovering mutual funds
• Pre-defined and customizable fund screeners
• Portfolio-building tools and expertise
• Professionally managed mutual fund portfolios based on goals
• Schwab Funds with no load and no transaction fees
• Third-largest retail index mutual fund provider in the U.S.
• Asset-weighted operating expense ratios below industry average

Key Benefits

• Access to a wide variety of mutual funds across all asset classes
• Many funds available with no transaction fees
• No-load funds
• Low asset-weighted operating expense ratios for Schwab Funds
• Research tools and screeners to help find suitable funds
• Portfolio-building resources and managed portfolio solutions
• Support from an industry leader in index mutual funds

How It Works

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Who Is It For

• Individual investors seeking a range of mutual fund options
• Investors looking for low-cost, no-load, and no transaction fee funds
• Those interested in building diversified portfolios
• USAA members transitioning to Schwab
• Investors seeking professional management or self-directed options

Requirements

• Account opening required to invest in mutual funds
• Some funds may have minimum investment amounts
• Short-term redemption fee of $49.95 applies to certain funds held for 90 days or less

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Detailed Description

The Schwab Starter Kit is designed for individuals new to investing. By opening and funding a Schwab Individual Brokerage account with at least $50, eligible customers receive a $50 cash bonus, which is automatically used to purchase $10 fractional shares in each of the top five stocks by market capitalization in the S&P 500® through Schwab Stock Slices™. The kit also provides access to educational content and investing tools.

Key Features

• Automatic purchase of $10 fractional shares in each of the top five S&P 500® stocks
• Fractional share investing via Schwab Stock Slices™
• Educational resources and tools for new investors
• Ability to cancel the stock purchase orders before execution
• Cash bonus can be kept even if stock orders are canceled

Key Benefits

• Receive $50 to invest in fractional shares of the top five S&P 500® stocks
• Access to short videos and step-by-step guides on investing basics
• Easy-to-use tools and budget planners
• 24/7 access to investment professionals
• Award-winning investing experience
• Satisfaction and Security Guarantees

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Who Is It For

• New investors
• Individuals who do not already have a Charles Schwab & Co., Inc. account (other than a Schwab Stock Plan Services account)
• U.S. residents

Requirements

• Must be a new Schwab client (no existing Schwab accounts except Schwab Stock Plan Services accounts).
• Must open a Schwab One individual taxable retail brokerage account.
• Must deposit at least $50 of new, outside assets within 30 days of enrolling.
• Offer is limited to one per account and one account per client.
• Only Schwab Individual Brokerage accounts are eligible (no joint, trust, custodial, IRA, retirement, education, or advisor-managed accounts).
• Offer is available to U.S. residents only.
• Employees of securities regulatory organizations or exchanges are not eligible.

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Detailed Description

Schwab Personalized Indexing offers a professionally managed, index-based portfolio that can be personalized to align with an investor's goals and values. Unlike traditional index funds or ETFs, investors directly own a subset of individual securities, enabling customization such as excluding specific stocks or industries and optimizing for tax efficiency through automated tax-loss harvesting.

Key Features

• Direct ownership of individual securities in a separately managed account
• Ability to select from multiple index-based strategies (U.S. large cap, small cap, broad market, ESG, international)
• Exclusion of specific stocks or industries (using Global Industry Classification Standard - GICS)
• Daily portfolio monitoring and optimization
• Automated tax-loss harvesting
• Personalized digital dashboard for account management and performance tracking

Key Benefits

• Customizable portfolios: Exclude individual stocks or entire industries based on personal preferences or values
• Tax-efficient investing: Automated tax-loss harvesting and tax optimization to potentially improve after-tax returns
• Professional management: Daily monitoring and optimization by Schwab Asset Management portfolio managers using proprietary technology
• Transparency: Personal dashboard for account details, performance monitoring, and estimated tax impact
• Accessibility: Lower minimum investment ($100,000) than traditional direct indexing solutions

How It Works

Documentation

Who Is It For

• Investors seeking a core portfolio component with broad market exposure
• Individuals who want to personalize their index investing (e.g., exclude certain stocks or industries)
• Investors interested in tax-efficient investing and tax-loss harvesting
• Those with at least $100,000 to invest
• Investors who want professional management and transparency

Requirements

• Minimum investment of $100,000

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Detailed Description

PCRA is a brokerage account within an employer-sponsored retirement plan, enabling participants to go beyond the plan's core investment options and access thousands of additional investments. It is designed for knowledgeable investors seeking more control and flexibility in their retirement portfolios.

Key Features

• Self-directed brokerage account within an employer-sponsored retirement plan
• Invest in a wide range of investments (subject to plan rules)
• Trade via schwab.com, Schwab mobile app, and thinkorswim® platforms
• Dedicated PCRA Call Center support
• No Schwab fee for PCRA (plan provider may charge maintenance fees)
• Transaction fees and commissions apply

Key Benefits

• Access to thousands of investment choices beyond core plan options
• Ability to customize retirement investing to match personal goals
• Use of Schwab's award-winning trading platforms and mobile app
• Personalized learning and interactive educational resources
• Specialized support from Schwab Trading, Powered by Ameritrade
• Potential for advisor management if allowed by the retirement plan

How It Works

Documentation

Who Is It For

• Knowledgeable, experienced investors
• Individuals seeking a wider range of investments
• Those who can dedicate more time to managing their investments
• Investors comfortable making their own investing decisions

Requirements

• PCRA must be offered by your employer's retirement plan provider.
• Eligibility and available investment types are determined by your employer.
• You must transfer funds from your retirement plan into the PCRA.

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Key Benefits

• Multiple options for managing cash, from savings to investment vehicles.
• Access to FDIC-insured products for principal protection.
• Potential to earn competitive yields on cash balances.
• Flexibility to use cash for trading, investing, or daily expenses.
• Low minimums for some products.

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Who Is It For

• Individuals seeking to manage cash for savings, investment, or daily use.
• Clients looking for FDIC-insured options for principal protection.
• Investors seeking liquidity and stability of capital.
• Clients interested in earning interest on uninvested cash.

Requirements

• Minimum investment for CDs is generally $1,000 face amount (may vary).
• Minimum balance for Schwab Bank Investor Savings and Checking is $0.01 to earn APY.
• Some products may have investment minimums or other eligibility criteria.

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Detailed Description

Charles Schwab offers a range of annuities designed to provide guaranteed income for life, tax-deferred growth, and other retirement planning benefits. Annuities are long-term investment vehicles designed for retirement purposes and are available through Schwab in partnership with unaffiliated insurance companies.

Key Features

• Multiple annuity types: variable, fixed, indexed, and income annuities
• Minimum investment: $100,000 for all annuity contracts
• Optional living and death benefits (for additional cost)
• Variety of investment options (for variable annuities)
• Tax-deferred growth potential
• Guaranteed death benefit options
• Optional cost-of-living adjustments for income annuities (for additional cost)

Key Benefits

• Guaranteed lifetime income (depending on annuity type)
• Opportunities for tax-deferred growth
• Guaranteed yield and principal protection (for certain types)
• Downside protection and market participation (indexed annuities)
• Flexible withdrawals (depending on contract)
• Legacy protection for beneficiaries
• Competitive pricing: variable annuity fees 35%–65% below industry average
• No surrender charges on Schwab variable annuities

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Who Is It For

• Individuals seeking guaranteed lifetime income in retirement
• Those looking for tax-deferred growth opportunities
• Investors wanting principal protection or downside protection
• People seeking to complement other retirement plans
• Clients needing legacy protection for beneficiaries
• Those who want to lock in competitive rates of return

Requirements

• $100,000 minimum for all annuity contracts offered through Schwab

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Detailed Description

Schwab Bank is a bank built for investors, offering banking products and services that work seamlessly with Schwab's investing platform. The bank provides checking and savings accounts, home lending solutions, and a pledged asset line of credit, all designed to help clients manage their money and work toward their financial goals.

Key Features

• Schwab Bank Investor Checking™: Linked with Schwab One® brokerage account, unlimited ATM fee rebates, no maintenance or activity fees
• Schwab Bank Investor Savings: High customer satisfaction, direct bank savings account
• Home Lending Solutions: Provided by Rocket Mortgage®, exclusive discounts, competitive rates, specialty team for Schwab clients
• Pledged Asset Line®: Non-purpose line of credit collateralized by eligible investments, minimum facility size $100,000, exclusive rates may be available

Key Benefits

• Seamless integration of banking and investing accounts
• Fast and easy cash transfers between accounts
• Unlimited ATM fee rebates worldwide
• No foreign transaction, account maintenance, or activity fees on checking
• Exclusive discounts and competitive rates on home loans
• Ability to borrow against non-retirement portfolio assets without liquidating investments
• Award-winning customer satisfaction for checking and savings accounts

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Who Is It For

• Investors seeking integrated banking and investing solutions
• Clients who want to manage banking and brokerage accounts in one place
• Individuals looking for transparent, low-fee banking products
• Clients interested in lending solutions collateralized by investments
• U.S. residents (with some services for non-U.S. residents via specific channels)

Requirements

• Schwab Bank Investor Checking account requires a linked Schwab One® brokerage account
• Pledged Asset Line requires a brokerage account at Charles Schwab & Co., Inc. and sufficient eligible collateral
• Pledged Asset Line minimum facility size: $100,000
• Home lending solutions subject to credit and collateral approval; provided by Rocket Mortgage®

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Detailed Description

Schwab Bank Investor Checking™ is a checking account built for investors, linked to a Schwab One® brokerage account. It offers no monthly service or overdraft fees, unlimited ATM fee rebates worldwide, no foreign transaction fees, and robust security features. The account is FDIC-insured and provides convenient money movement between checking and brokerage accounts, enabling instant access to funds for trading and investing.

Key Features

• Linked Schwab One® brokerage account (required)
• Schwab Bank Visa® Platinum Debit Card with contactless and mobile wallet support
• Robust mobile app for deposits, transfers, and payments (Zelle®, Apple Pay, Google Pay)
• No minimum balance requirements or trade requirements
• Cash available for investing in seconds (with some timing exceptions)
• Travel notifications and security controls
• Direct deposit and multiple deposit options (mobile, wire, mail, MoneyLink®)

Key Benefits

• No monthly service fees or overdraft fees
• Unlimited ATM fee rebates worldwide
• No foreign transaction fees
• FDIC insurance up to $250,000 per depositor
• Seamless, instant transfers between checking and Schwab One® brokerage accounts
• Award-winning customer satisfaction (J.D. Power #1 for 7 years)
• 24/7 customer support
• Enhanced security features including card lock/unlock and fraud alerts

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Who Is It For

• Investors seeking integrated banking and brokerage solutions
• Individuals who want to manage day-to-day cash and investments in one place
• Travelers needing global ATM access and no foreign transaction fees
• Clients looking for a fee-free checking account with robust digital and security features

Requirements

• Must be opened as a linked account with a Schwab One® brokerage account
• No minimum balance or funding required for brokerage account when opened with Investor Checking
• Available to U.S. residents (non-U.S. residents subject to restrictions)

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Detailed Description

Futures trading at Schwab allows clients to trade standardized contracts to buy or sell assets such as oil, gold, stock indexes, or interest rates at a fixed price on a set date in the future. These contracts are traded on regulated futures exchanges and can be used for hedging risk or seeking profit from price movements.

Key Features

• Trading of standardized futures contracts on regulated exchanges
• Self-directed trading platforms (including thinkorswim®)
• Daily futures commentary and market insights
• Extensive futures education (articles, videos, contract specs, trade demos)
• Live and on-demand Schwab Coaching® webcasts with Q&A
• Schwab Network™ for market news and strategy insights
• 24/5 specialist support (Sunday 5:30 p.m. to Friday 5:00 p.m. ET)
• No physical delivery—contracts are cash-settled

Key Benefits

• 24/5 access to a wide range of futures markets
• Ability to trade various asset classes including commodities, indexes, interest rates, metals, and crypto
• Leverage allows for lower capital requirements compared to buying the underlying asset
• Support from futures specialists and educational resources
• Award-winning platforms and tools (Best in Class: Futures Trading, StockBrokers.com 2025)

Documentation

Who Is It For

• New futures traders
• Experienced futures traders
• Investors seeking diversification, flexibility, or access to a wide range of asset classes

Requirements

• Must have a Schwab brokerage account
• Must apply and be approved for a futures trading account
• Trading privileges subject to review and approval; not all clients will qualify

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Detailed Description

thinkorswim trading platforms offer advanced trading capabilities, robust charting, and analysis tools, as well as built-in education and support. The platforms are designed for active traders seeking deep market insights and the ability to trade a wide variety of products, including stocks, ETFs, options, futures, and forex.

Key Features

• Robust charting and analysis with hundreds of technical indicators, studies, and drawing tools.
• Built-in insights and education, including expert commentary, live-streaming news, and on-demand resources via the Learning Center.
• Continual innovation driven by user feedback and analytics.
• Broad product access: trade stocks, ETFs, options, futures, and forex.
• 24/5 trading for over 1,100 stocks and ETFs.
• paperMoney® virtual trading environment for strategy testing and practice.
• Support from a Trade Desk team of trading specialists.
• Commission-free online trading for listed equities and low-cost options trading.

Documentation

Who Is It For

• Active traders seeking advanced tools and analytics.
• Investors interested in trading a wide range of products (stocks, ETFs, options, futures, forex).
• Traders who value education, support, and continual platform innovation.
• Users who prefer desktop, mobile, or web-based trading experiences.

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Detailed Description

Schwab's stock offering enables clients to invest in or trade stocks as part of their investment strategy. The platform supports a variety of stock types and provides access to educational resources, research tools, and professional support.

Key Features

• Trade stocks listed on NYSE, NASDAQ, and other major U.S. exchanges
• Access to over-the-counter (OTC) stocks, including small-cap and international companies
• Fractional share investing through Schwab Stock Slices™
• Support for Master Limited Partnerships (MLPs), Real Estate Investment Trusts (REITs), Business Development Companies (BDCs)
• Participation in Initial Public Offerings (IPOs) and Direct Public Offerings (DPOs) for eligible investors
• International stock trading, including ADRs, foreign ordinaries, and Canadian stocks
• Dividend Reinvestment Plans (DRIPs)
• Restricted Stock Services
• Around the Clock Trading (extended hours)

Key Benefits

• Access to a wide range of stocks (U.S. exchanges, OTC, international, IPOs, etc.)
• $0 online equity trade commissions
• Fractional share investing via Schwab Stock Slices™
• Comprehensive research and easy-to-use investment tools
• Educational resources and live coaching
• Robust trading platforms and support
• Satisfaction Guarantee

How It Works

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Who Is It For

• New investors seeking to learn about stock trading
• Experienced traders looking for advanced tools and research
• Investors interested in diversifying their portfolios with U.S. and international stocks
• Clients seeking fractional share investing
• Individuals meeting eligibility requirements for IPOs/DPOs

Requirements

• Schwab brokerage account required to trade stocks
• Eligibility requirements apply for participation in IPOs and DPOs
• System availability and response times may vary by device and market conditions

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Detailed Description

Options trading at Schwab allows investors to buy and sell options contracts to generate income, hedge against losses, or speculate on market movements. Schwab provides a comprehensive suite of resources, including educational content, market updates, and live coaching, to support clients at all experience levels.

Key Features

• Options trading on Schwab platforms
• Educational articles, videos, and advanced topics
• Daily webcasts and coaching sessions
• Market news and analysis via Schwab Network™
• Support from options trading specialists

Key Benefits

• Access to a wide range of options trading tools and resources
• Comprehensive education for all experience levels
• Live and on-demand coaching with Q&A and real-time trade demos
• Timely market updates and insights from options specialists
• Award-winning platform for options trading

Documentation

Who Is It For

• New options traders
• Active/experienced options traders
• Investors seeking to generate income, hedge risk, or speculate
• U.S. residents (with some services for non-U.S. residents, subject to restrictions)

Requirements

• Certain requirements must be met to trade options through Schwab
• Options approval application required for trading

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