Schwab Managed Retirement Trust Funds were developed for participants who want to contribute and save for retirement, but desire 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 as you near retirement. By simply choosing the fund that closely matches the year you plan to retire, you set your retirement plan in motion, leaving the details to professional investment managers.

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. These funds are set up so that you can simplify your retirement savings by directing your investments into one fund, from the time you begin to save until you retire.