Finding the right mutual fund(s) for your situation will take some work, but if you are serious about mutual fund investing, the effort can be worth it.

So, as you can see, there is a world of choice for you if you have already contributed all you can to your company retirement plan. Explore them all, and choose the one(s) that can best suit your situation. If you need assistance, visit our Web site at schwab.com, call a Schwab representative at 1-800-435-4000, or visit a Schwab branch. Schwab has a wealth of information available for you.

This information is not intended to be a substitute for specific individual tax, legal or investment planning advice. Schwab does not provide tax or legal advice. Where specific advice is necessary or appropriate, please consult a qualified tax advisor, CPA, Financial Planner or Investment Manager.