Portfolios
Investment Profile
Yields and allocations are for illustrative and educational purposes only, and do not represent a recommendation to buy, sell, or hold any asset. More information in the footer.
Aggressive
Capital appreciation
This portfolio is primarily focused on seeking growth through appreciation over the time horizon.
Prone to falls
As an investor, it is necessary to be able to tolerate market downturns and constant volatility in exchange for gaining exposure to the potential for higher long-term returns.
Financial stability
It is important to have the financial stability not to need capital from the portfolio for at least the next 10 years.
Greater exposure to stocks
Although it may have exposure to various asset classes, it is primarily invested in equities.
Historical performance
• Average: 10.3%
• Best year: 39.9%
• Worst year: -36%
Source: Schwab Center for Financial Research. Morningstar, Inc.
Related ETFs
Moderate-Aggressive
Moderate Capital Appreciation
This portfolio is primarily focused on seeking growth through appreciation over the time horizon, while limiting risk through bonds.
Prone to falls
As an investor, it is necessary to be able to tolerate market downturns and constant volatility in exchange for gaining exposure to the potential for higher long-term returns.
Financial stability
It is important to have the financial stability not to need capital from the portfolio for at least the next 10 years.
Diversification with exposure
Despite diversifying, you have a higher exposure to stocks.
Historical performance
• Average: 10%
• Best year: 34.4%
• Worst year: -29.5%
Source: Schwab Center for Financial Research. Morningstar, Inc.
Related ETFs
Intl. Companies / Emerging Markets:
Moderate
Balanced
This portfolio is focused on seeking medium growth through appreciation over the time horizon, while expecting greater stability compared to the rest of the market.
Susceptible to falls, but limits the risk of loss
It is important, as an investor, to be able to tolerate market downturns and constant volatility in exchange for exposure to the possibility of higher long-term gains, while hoping to limit the risk of loss through diversification.
Financial stability
It is important to have the financial stability so you do not need the portfolio capital for the next 5 to 10 years.
Diversification
Risk and volatility are accepted, but prioritizing limiting both through diversification is key. Stability is expected through bonds while maintaining exposure to stock growth. Accepting a lower total portfolio return is tolerated in exchange for greater certainty.
Historical performance
• Average: 9.5%
• Best year: 30.9%
• Worst year: -20.9%
Source: Schwab Center for Financial Research. Morningstar, Inc.
Related ETFs
Intl. Companies / Emerging Markets:
Conservative-Moderate
Modest appreciation with minimal volatility
This portfolio is primarily focused on seeking modest growth through appreciation over the time horizon, maintaining greater capital preservation and minimal portfolio volatility.
Less susceptible to drops, but does experience moderate volatility
As an investor, you must be able to tolerate market downturns and some volatility in exchange for gaining exposure to the potential reduction of inflationary risk.
You need the money in the medium term
It is important to have the financial stability to not need the portfolio's capital for at least the next 5 years.
Greater exposure to bonds
Although it has exposure to U.S. and international stocks, it invests primarily in bonds and/or other fixed-income assets.
Historical performance
• Average: 8.7%
• Best year: 27%
• Worst year: -12.5%
Source: Schwab Center for Financial Research. Morningstar, Inc.
Related ETFs
Intl. Companies / Emerging Markets:
Conservative
Capital preservation
This portfolio is primarily focused on stability and capital preservation over the time horizon.
Less susceptible to drops, but prone to a bit of volatility
As an investor, you do not tolerate market downturns or constant volatility, so you do not expose yourself to the possibility of achieving higher long-term gains. You only seek potential gains that help you with inflationary concerns.
You need short-term money
Investment funds are available at any time.
Greater exposure to bonds and liquidity
Although it has exposure to stocks, it mainly invests in bonds and/or other fixed-income assets, and maintains a significant position in cash.
Historical performance
• Average: 7.4%
• Best year: 22.8%
• Worst year: -4.6%
Source: Schwab Center for Financial Research. Morningstar, Inc.
Related ETFs
Intl. Companies / Emerging Markets:
See the complete analysis of each ETF portfolio
Aggressive
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Moderate-Aggressive
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About asset allocation: Returns and allocations are for illustrative and educational purposes only, and do not represent a recommendation to buy, sell, or hold any asset. The figures represent the average, maximum, and minimum annual returns of hypothetical asset allocation plans. Asset allocation plans are weighted averages of the performance of the indices used to represent each asset class in the plans, and are rebalanced annually. Returns include the reinvestment of dividends and interest.
The indices representing each asset class are the S&P 500® Index (large-cap stocks), Russell 2000® Index (small-cap stocks), MSCI EAFE® Index-Net of Taxes (international stocks), Bloomberg Barclays U.S. Aggregate Bond Index (bonds), and FTSE U.S. 3-month Treasury Bill Index (cash investments).
CRSP 6-8 was used for small-cap stocks before 1979, the Ibbotson Intermediate-Term Government Bond Index was used for fixed income (bonds) before 1976, and the Ibbotson U.S. 30-day Treasury Bill Index was used for cash investments before 1978.
Indices are unmanaged, do not incur fees or expenses, and cannot be invested in directly. Past performance is not indicative of future results.
Data source: Schwab Center for Financial Research with data provided by Morningstar, Inc.
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