The asset allocation that is appropriate for you depends on your financial goals, time horizon, and willingness and capacity to take risk. You can assign your portfolio a target asset allocation by completing the Investor Profile Questionnaire or by using the Investor Profile Table.
Choose the plan below that best matches your investing goals and style, then click Submit.
This is intended for informational purposes only and not as a solicitation.
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Graphic Image Donut Chart for Short Term
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| Asset Class |
Allocation |
|
Row 1Asset Class
Large Cap Equity
|
Allocation Value
0%
|
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Row 2Asset Class
Small Cap Equity
|
Allocation Value
0%
|
|
Row 3Asset Class
International Equity
|
Allocation Value
0%
|
|
Row 4Asset Class
Fixed Income
|
Allocation Value
40%
|
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Row 5Asset Class
Cash Investments
|
Allocation Value
60%
|
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Row 6Asset Class
Other
|
Allocation Value
0%
|
|
Time Horizon:
Under 3 years
•
Want current income and stability
•
Not concerned about increasing the value of your investments
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Return:
(1971-10/2024)*
•
Average Annual Return: 5.4%
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Graphic Image Donut Chart for Conservative
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| Asset Class |
Allocation |
|
Row 1Asset Class
Large Cap Equity
|
Allocation Value
15%
|
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Row 2Asset Class
Small Cap Equity
|
Allocation Value
0%
|
|
Row 3Asset Class
International Equity
|
Allocation Value
5%
|
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Row 4Asset Class
Fixed Income
|
Allocation Value
50%
|
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Row 5Asset Class
Cash Investments
|
Allocation Value
30%
|
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Row 6Asset Class
Other
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Allocation Value
0%
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Time Horizon:
Under 3-5 years
•
Want current income and stability
•
Not concerned about increasing the value of your investments
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Return:
(1971-10/2024)*
•
Average Annual Return: 7.1%
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Graphic Image Donut Chart for Moderate Conservative
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| Asset Class |
Allocation |
|
Row 1Asset Class
Large Cap Equity
|
Allocation Value
25%
|
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Row 2Asset Class
Small Cap Equity
|
Allocation Value
5%
|
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Row 3Asset Class
International Equity
|
Allocation Value
10%
|
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Row 4Asset Class
Fixed Income
|
Allocation Value
50%
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Row 5Asset Class
Cash Investments
|
Allocation Value
10%
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Row 6Asset Class
Other
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Allocation Value
0%
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Time Horizon:
Around 5 years
•
Want current income and relative stability
•
Want some opportunity to increase the value of your investments
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Return:
(1971-10/2024)*
•
Average Annual Return: 8.4%
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Graphic Image Donut Chart for Moderate
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| Asset Class |
Allocation |
|
Row 1Asset Class
Large Cap Equity
|
Allocation Value
35%
|
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Row 2Asset Class
Small Cap Equity
|
Allocation Value
10%
|
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Row 3Asset Class
International Equity
|
Allocation Value
15%
|
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Row 4Asset Class
Fixed Income
|
Allocation Value
35%
|
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Row 5Asset Class
Cash Investments
|
Allocation Value
5%
|
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Row 6Asset Class
Other
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Allocation Value
0%
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|
Time Horizon:
Around 10 years
•
Want solid growth with relative stability
•
Current income is not the only goal
•
Can tolerate some fluctuations but considerably less than overall stock market
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Return:
(1971-10/2024)*
•
Average Annual Return: 9.4%
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Graphic Image Donut Chart for Moderate Aggressive
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| Asset Class |
Allocation |
|
Row 1Asset Class
Large Cap Equity
|
Allocation Value
45%
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Row 2Asset Class
Small Cap Equity
|
Allocation Value
15%
|
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Row 3Asset Class
International Equity
|
Allocation Value
20%
|
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Row 4Asset Class
Fixed Income
|
Allocation Value
15%
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Row 5Asset Class
Cash Investments
|
Allocation Value
5%
|
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Row 6Asset Class
Other
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Allocation Value
0%
|
|
Time Horizon:
At least 10 years
•
Most concerned about investments growing in value
•
Don't need current income
•
Have a good tolerance for risk, but want a portfolio with slightly less risk than the overall stock market
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Return:
(1971-10/2024)*
•
Average Annual Return: 10.1%
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Graphic Image Donut Chart for Aggressive
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| Asset Class |
Allocation |
|
Row 1Asset Class
Large Cap Equity
|
Allocation Value
50%
|
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Row 2Asset Class
Small Cap Equity
|
Allocation Value
20%
|
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Row 3Asset Class
International Equity
|
Allocation Value
25%
|
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Row 4Asset Class
Fixed Income
|
Allocation Value
0%
|
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Row 5Asset Class
Cash Investments
|
Allocation Value
5%
|
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Row 6Asset Class
Other
|
Allocation Value
0%
|
|
Time Horizon:
More than 15 years
•
Most concerned about investments growing in value
•
Don't need current income
•
Have a good tolerance for risk
|
Return:
(1971-10/2024)*
•
Average Annual Return: 10.6%
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*The historical returns used in these calculations are not calendar year returns. They are 12-month periods that start on November 1st of each year and end on October 31st of the following year, with the first one beginning on November 1, 1970.
The return figures are the average, the maximum, and the minimum annual returns of hypothetical asset allocation plans.
The hypothetical asset allocation plans are weighted averages of the performance of the indices used to represent each
hypothetical asset class in the plans and are rebalanced annually. Returns include reinvestment of dividends and interest.
The indices representing each hypothetical asset class are S&P 500
® Index (largecap stocks), Russell 2000
® Index (small-cap
stocks), MSCI EAFE
® Index-Net of Taxes (international stocks), Bloomberg U.S. Aggregate Bond Index (fixed income), and
FTSE U.S. 3-month Treasury Bill Index (cash investments). 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 U.S. 30-day Treasury Bill
Index was used for cash investments prior to 1978. Indices are unmanaged, do not incur fees or expenses, and cannot be
invested in directly. For additional information, please see
Schwab.com/IndexDefinitions.
Past performance is no guarantee of future results.