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Intelligent Portfolios

Schwab Intelligent Portfolios ®

Our robo-advisor does the work, so you don’t have to.

Watch how it works

Schwab Intelligent Portfolios ® | 2:55 2 minutes 55 seconds

Gentle music plays. A single line forms the shape of a house and a tree; another line forms a cloud. Birds are chirping.

Male narrator: We all have goals, ambitions, things we’d like to do or have one day.

The line forms a sailboat bobbing on the waves. Seagulls cry and waves crash. The waves calm down and a sun appears on the horizon.

Narrator: Some goals can be hard to plan for, but making a plan and sticking to it generally leads to greater financial success.

Charles Schwab logo appears.

Narrator: Schwab Intelligent Portfolios ® is an automated investment advisory service that can make it easier to save for any goal. And we’ll help you stay on track, too.

Planning for retirement income

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Saving for college

Saving for retirement

Narrator: Created with the professional insight of Charles Schwab Investment Advisory

A circle graph illustrates components of fixed income, cash, commodities, and stocks strategies.

Narrator: Schwab Intelligent Portfolios uses an advanced algorithm to build, monitor, and rebalance your portfolio so you don’t have to.

Overlapping sine waves appear, then form an antenna tower, which transforms into a balance scale that shifts into balance.

Narrator: Let’s take a closer look

Animated brunette appears shoulders up framed within a circle.

Woman: I want to save for retirement, but my life is busy, so I don’t really have time to think about it. I’m setting money aside, but I worry if I’m on track.

Onscreen text: Am I on track to save for retirement?

Screengrab of the Schwab Intelligent Portfolios ® page. Sound of typing.

Narrator: With Schwab Intelligent Portfolios, saving for your retirement can be easier. Want to get started?

Screengrab of Intelligent Portfolios page asking about goals for the account. Cursor selects “prepare for retirement” and “Next.”

Narrator: When you set up your account, you’ll choose your goal for this account.

Under question about understanding of stocks, bonds, and ETFs, cursor selects “good,” then “Next.”

Narrator: Then you’ll answer a few questions.

Client selects demographics and specific goals.

Narrator: You’ll tell us your initial investment amount, and how much you think you’ll save every month.

A personalized circle graph details a suggested personal portfolio.

Narrator: We’ll recommend a portfolio based on your responses, and we’ll track your progress against the goal you’ve set.

Client dashboard appears.

Narrator: You can check the status of your goal at any time on your dashboard.

Line drawing of house reappears, now with rain clouds and a rising water line. Water gurgles.

Narrator: But let’s say over time, you take money out

Line transforms into an ambulance with its siren beeping.

Narrator: You skip a monthly contribution, or the market changes

An exclamation mark appears within a triangle, indicating a notification.

Narrator: Your dashboard will alert you if you’re falling short of your goal.

Screen switches back to dashboard; cursor selects the “Goal” tab. Cursor slides the “Monthly Contribution” scale to the right.

Narrator: To help you get back on track, click on the “Goal” tab, and choose one of the options.

A line drawing of a piggy bank appears with coins dropping into it.

Narrator: Saving is just the beginning.

Shopping bag falls to the right of the piggy bank.

Narrator: When you’re ready to spend your money, we can help you with that, too.

Animated gray-haired man appears shoulders up framed within a circle.

Man: I’d like to be able to withdraw from my retirement savings every month, but I want to make it last.

Onscreen text: How much can I withdraw for retirement income?

Page appears where client selects demographics and specific goals; cursor slides bars to the right to indicate factors in saving for retirement.

Narrator: Simply tell us your initial investment, how long you need the money to last, and we’ll tell you how much money you can confidently withdraw each month.

Screengrab of Income Goal Setup.

Narrator: If you need to spend a little more some months and you get off track

Cursor selects “Activity.”

Narrator: Your dashboard will alert you.

Cursor selects “Goal.”

Narrator: Clicking on “Goal” will show you options to help you get back to a steady, long-lasting income stream.

Narrator reads onscreen text: It really is that simple.

Line drawing of a car drives to the house, with the sound of the road swishing and birds chirping, and the sailboat continues to sail on smooth water with the sun out and seagulls crying.

Narrator: Whatever your financial goal is, Schwab Intelligent Portfolios can make it easier for you to follow through with your plan and stay on track.

The frame pauses on the sun at the horizon, then switches to the Charles Schwab logo.

Please read the Schwab Intelligent Portfolios Solutions™ disclosure brochures for important information, pricing, and disclosures related to the Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs.

Schwab Intelligent Portfolios ® and Schwab Intelligent Portfolios Premium™ are made available through Charles Schwab & Co., Inc. (“Schwab”), a dually registered investment advisor and broker-dealer. Portfolio management services are provided by Charles Schwab Investment Advisory, Inc. (“CSIA”). Schwab and CSIA are subsidiaries of The Charles Schwab Corporation.

There is no advisory fee or commissions charged for Schwab Intelligent Portfolios. For Schwab Intelligent Portfolios Premium, the advisory fees consist of $300 upon enrollment and an additional $30 per month charged on a quarterly basis as detailed in the Schwab Intelligent Portfolios Solutions™ disclosure brochures. Investors in Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium (collectively, “Schwab Intelligent Portfolios Solutions”) do pay direct and indirect costs. These include ETF operating expenses which are the management and other fees the underlying ETFs charge all shareholders. The portfolios include a cash allocation to a deposit account at Schwab Bank. Our affiliated bank earns income on the deposits, and earns more the larger the cash allocation is. The lower the interest rate Schwab Bank pays on the cash, the lower the yield. Some cash alternatives outside of Schwab Intelligent Portfolios Solutions pay a higher yield. Deposits held at Schwab Bank are protected by FDIC insurance up to allowable limits per depositor, per account ownership category. Schwab Intelligent Portfolios Solutions invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management, receives management fees on those ETFs. Schwab Intelligent Portfolios Solutions also invests in third party ETFs. Schwab receives compensation from some of those ETFs for providing shareholder services, and also from market centers where ETF trade orders are routed for execution. Fees and expenses will lower performance, and investors should consider all program requirements and costs before investing. Expenses and their impact on performance, conflicts of interest, and compensation that Schwab and its affiliates receive are detailed in the Schwab Intelligent Portfolios Solutions disclosure brochures.

The cash allocation in Schwab Intelligent Portfolios Solutions™ will be accomplished through enrollment in the Schwab Intelligent Portfolios Sweep Program (Sweep Program), a program sponsored by Charles Schwab & Co., Inc. By enrolling in Schwab Intelligent Portfolios Solutions, clients consent to having the free credit balances in their Schwab Intelligent Portfolios Solutions brokerage accounts swept to deposit accounts at Charles Schwab Bank through the Sweep Program. Charles Schwab Bank is an FDIC‐insured depository institution affiliated with Charles Schwab & Co., Inc. and Charles Schwab Investment Advisory, Inc.

Schwab Intelligent Portfolios ® and Schwab Intelligent Portfolios Premium™ are designed to monitor portfolios on a daily basis and will also automatically rebalance as needed to keep the portfolio consistent with the client’s selected risk profile. Trading may not take place daily.

Tax‐loss harvesting is available for clients with invested assets of $50,000 or more in their account. Clients must choose to activate this feature. The tax‐loss harvesting feature that is available with Schwab Intelligent Portfolios Solutions™ is subject to significant limitations which are described on the Schwab Intelligent Portfolios Solutions website and mobile application (collectively, the “Website”) as well as in the Schwab Intelligent Portfolios Solutions™ disclosure brochures (the “Brochures”), and the IRS website at www.irs.gov. You should consider whether to activate the tax‐loss harvesting feature based on your particular circumstances and the potential impact tax‐loss harvesting may have on your tax situation. You should read the tax‐loss harvesting disclosures on the Website and in the Brochures before choosing the tax‐loss harvesting feature. Neither the tax‐loss harvesting strategy nor any discussion herein is intended as tax advice, and neither Charles Schwab & Co., Inc. nor its affiliates, including but not limited to Charles Schwab Investment Advisory, Inc., represents that any particular tax consequences will be obtained.

Diversification, automatic investing and rebalancing strategies do not ensure a profit and do not protect against losses.

©2020 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. Unauthorized access is prohibited. Usage will be monitored. (0319-95RU)

Welcome to automated investing, where our robo-advisor can help build and manage your portfolio.

Automated investing with human help when you need it.

  • Our robo-advisor builds, monitors, and automatically rebalances a diversified portfolio based on your goals.
  • 24/7 live support from U.S.-based service professionals.
  • Get started with as little as $5,000.

Backed by our commitment to keeping costs low.

  • Pay no advisory fee and no commissions.
  • Invest in a portfolio of low-cost exchange-traded funds (ETFs).
  • Just as if you’d invested on your own, you will pay the operating expenses on the ETFs in your portfolio, which includes Schwab ETFs™.

An ETF (exchange-traded fund) contains a portfolio of securities, such as stocks or bonds, and it trades intraday on an exchange. A low-cost way to build a diversified portfolio, an ETF can provide diversified exposure to a particular segment of the market, to a specific industry, or to a particular geographical region. With Schwab Intelligent Portfolios, you’ll get a portfolio of ETFs chosen by experts who use their professional insight to pare down more than 1,800 ETFs to the 53 across 20 asset classes that will be considered for the portfolios. Experts monitor ETFs to ensure they remain appropriate for the portfolios strategy.

What else you should know.

  • We believe cash is a key component of an investment portfolio. Based on your risk profile, a portion of your portfolio is placed in an FDIC-insured deposit at Schwab Bank. Some cash alternatives outside of the program pay a higher yield. See more information .

There is no advisory fee or commissions charged for Schwab Intelligent Portfolios. For Schwab Intelligent Portfolios Premium, there is an initial planning fee of $300 upon enrollment and a $30 per month advisory fee charged on a quarterly basis as detailed in the Schwab Intelligent Portfolios Solutions™ disclosure brochures. Investors in Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium (collectively, “Schwab Intelligent Portfolios Solutions”) do pay direct and indirect costs. These include ETF operating expenses which are the management and other fees the underlying ETFs charge all shareholders. The portfolios include a cash allocation to a deposit account at Schwab Bank. Our affiliated bank earns income on the deposits, and earns more the larger the cash allocation is. The lower the interest rate Schwab Bank pays on the cash, the lower the yield. Some cash alternatives outside of Schwab Intelligent Portfolios Solutions pay a higher yield. Deposits held at Schwab Bank are protected by FDIC insurance up to allowable limits per depositor, per account ownership category. Schwab Intelligent Portfolios Solutions invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management, receives management fees on those ETFs. Schwab Intelligent Portfolios Solutions also invests in third party ETFs. Schwab receives compensation from some of those ETFs for providing shareholder services, and also from market centers where ETF trade orders are routed for execution. Fees and expenses will lower performance, and investors should consider all program requirements and costs before investing. Expenses and their impact on performance, conflicts of interest, and compensation that Schwab and its affiliates receive are detailed in the Schwab Intelligent Portfolios Solutions disclosure brochures.

What fees?

$0 advisory fees, $0 account service fees, and $0 commissions charged. 1 You can get started with as little as $5,000.

Anyoption new License for Portfolio Management and Investment Advice

Offering the highest level of service from TD Ameritrade Investment Management, Personalized Portfolios offers tailored advice specific to your unique situation. You’ll get a customized solution based on your overall financial picture, supported by a dedicated Financial Consultant and credentialed Portfolio Consultants. Your goals are unique, so your investment advice should be too.

Call 800-527-3847 or visit a TD Ameritrade branch to get started.

Personalized Portfolios

Meet with a Financial Consultant to complete a financial profile to determine your goals, risk tolerance and time horizon.

Advice and guidance

A team of professionals provide investment advice, guidance and support, all through a single point of contact.

Holistic view of total assets

A comprehensive digital experience lets you keep an eye on your investments, regardless of where your accounts are held.

Professionally managed portfolios

Powered by recommendations from Morningstar Investment Management, LLC, Personalized Portfolios is overseen and rebalanced by the professionals at TD Ameritrade Investment Management, LLC. Choose from a range of portfolios, comprised of mutual funds, ETFs, or Separately Managed Accounts (SMAs). Get started with a $250,000 minimum deposit and an annual advisory fee that varies by portfolio and investment amount. View the quarterly performance of Personalized Portfolios.

A comprehensive view of your financial picture

A comprehensive view of your financial picture

View aggregated account details, progress to goals, and a total wealth picture for all your accounts – regardless of where they are held.

Tax-loss harvesting

Tax-loss harvesting is a service offered at no additional cost to clients holding taxable accounts invested in an ETF portfolio. It will proactively sell off an investment that isn’t performing well and replace it with a new position, potentially reducing your taxable income by up to $3,000.

Additional managed portfolio solutions

Essential Portfolios

An automated, low-cost, low-minimum investment solution with access to five goal-oriented ETF portfolios.

Selective Portfolios

A broader range of goal oriented portfolios made up of mutual funds and ETFs, based on varying investment objectives and risk profiles.

Start the conversation

Talk to your Financial Consultant or call 800-527-3847 to learn more.

Check the background of TD Ameritrade on FINRA’s BrokerCheck

Call 800-527-3847 or visit a TD Ameritrade branch to get started.

Call Us 800-454-9272

#1 Overall Broker

Before investing carefully consider the underlying funds’ objectives, risks, charges, and expenses. For a prospectus containing this and other important information about each fund, contact us at 888-310-7921. Please read the prospectus carefully before investing.

All investments involve risk, including loss of principal. Past performance does not guarantee future results. There is no assurance that the investment process will consistently lead to successful investing. Asset allocation and diversification do not eliminate the risk for experiencing investment losses.

Advisory services are provided by TD Ameritrade Investment Management, LLC (“TD Ameritrade Investment Management”), a registered investment advisor. Brokerage services provided by TD Ameritrade, Inc. TD Ameritrade Investment Management provides discretionary advisory services for a fee. Risks applicable to any portfolio are those associated with its underlying securities. For more information, please see the Disclosure Brochure (ADV Part 2).

TD Ameritrade Investment Management and TD Ameritrade provide periodic comprehensive reporting services, which can incorporate all of the client’s investment assets including those investment assets that are not part of the assets managed by TD Ameritrade Investment Management (the “Excluded Assets”) (assets over which the client maintains trading authority vs. trading authority designated to another investment professional). The service relative to the Excluded Assets is limited to reporting services only, which does not include investment implementation. Because TD Ameritrade Investment Management and TD Ameritrade do not have trading authority for the Excluded Assets, to the extent applicable to the nature of the Excluded Assets , the client (and/or the other investment professional), and not TD Ameritrade Investment Management or TD Ameritrade shall be exclusively responsible for directly implementing any recommendations relative to the Excluded Assets.

The client and the client’s advisors that maintain trading authority, and not TD Ameritrade Investment Management or TD Ameritrade, shall be exclusively responsible for the investment performance of the Excluded Assets. Without limiting the above, TD Ameritrade Investment Management and TD Ameritrade shall not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded Assets.

The construction of your Personalized Portfolio(s) is based solely on the information provided by you to TD Ameritrade Investment Management, LLC (“TD Ameritrade Investment Management”) and is assembled in consideration of the suitability and risk tolerance presented specific to this account or accounts. A Personalized Portfolio is not intended to provide a complete financial plan. Assets held at other financial institutions, while used in the assessment of your overall investment and risk profile, are a snapshot in time and are not monitored, reviewed, or in any way evaluated in the ongoing management of the advisory accounts by TD Ameritrade Investment Management. You are responsible to contact your Financial Consultant if you have changes to your assets not managed by TD Ameritrade Investment Management or if there is a change to your financial circumstances that would necessitate the need for an updated assessment of your Personalized Portfolio.

TD Ameritrade Investment Management and its affiliates do not provide tax advice. We suggest you consult with a tax-planning professional with regard to your personal circumstances as to whether the TD Ameritrade Investment Management tax-loss harvesting feature is appropriate for you. This feature generally would be more beneficial to investors in higher tax brackets and high-tax states.

The tax-loss harvesting feature is currently only available with the TD Ameritrade Investment Management ETF-based portfolios in taxable TD Ameritrade Investing Accounts. Tax-loss harvesting is not appropriate for all investors. Investing in securities involves risk of loss that the client should be prepared to bear. TD Ameritrade Investment Management does not represent or guarantee that the objectives of the tax-loss harvesting feature will be met. The performance of the replacement securities purchased through the TD Ameritrade Investment Management tax-loss harvesting feature may be better or worse than the performance of the securities that are sold for tax-loss harvesting purposes. TD Ameritrade Investment Management only reviews each account that is managed by it individually to help ensure that your account does not violate the “wash sale” rule. When you enroll in the tax-loss harvesting feature, the enrollment is on an account basis and does not apply to other TD Ameritrade Investment Management portfolios you may have. Each eligible TD Ameritrade Investment Management portfolio must be enrolled separately in the tax-loss harvesting feature. Accordingly, you are responsible for monitoring your brokerage accounts and your spouse’s brokerage accounts at TD Ameritrade or elsewhere to ensure that transactions in the same security or a substantially similar security do not create a wash sale. The wash sale rule postpones losses on a sale, if replacement shares are bought around the same time.

Prior to enrolling in the tax-loss harvesting feature, please read TD Ameritrade Investment Management’s whitepaper and see the TD Ameritrade Investment Management Disclosure Brochure (Form ADV Part 2A)

ETFs can entail risks similar to direct stock ownership, including market, sector, or industry risks. Some ETFs may involve international risk, currency risk, commodity risk, and interest rate risk. Trading prices may not reflect the net asset value of the underlying securities.

Mutual funds are subject to market, exchange rate, political, credit, interest rate and prepayment risks, which vary depending on the type of mutual fund.

Morningstar Investment Management LLC is a registered investment adviser and subsidiary of Morningstar, Inc. Morningstar Investment Management LLC provides consulting services to TD Ameritrade Investment Management by providing recommendations to TD Ameritrade Investment Management regarding asset allocation targets and selection of securities; however, TD Ameritrade Investment Management retains the discretion to accept, modify or reject Morningstar Investment Management LLC’s recommendations. Morningstar Investment Management LLC selects securities from the universe of investments made available through TD Ameritrade. In performing its services, Morningstar Investment Management LLC may engage the services of its affiliate, Morningstar Investment Services LLC, a registered investment adviser and subsidiary of Morningstar Investment Management LLC. Neither Morningstar Investment Management LLC nor Morningstar Investment Services is acting in the capacity of adviser to TD Ameritrade Investment Management’s clients. Asset Allocation target allocations are subject to change without notice. Morningstar Investment Management LLC establishes the allocations using its proprietary asset classifications. If alternative classification methods are used, the allocations may not meet the asset allocation targets. The Morningstar name and logo are registered marks of Morningstar, Inc. Morningstar Investment management LLC is not affiliated with TD Ameritrade Investment Management or TD Ameritrade.

Apple and the Apple logo are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc.

This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.

Brokerage services provided by TD Ameritrade, Inc., member FINRA/ SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2020 TD Ameritrade.

Property portfolio management

The careful management of a property portfolio can help improve its profitability. This can be achieved through portfolio expansion, improving rental yields, or increasing capital growth. Monitoring overheads, minimising rental voids and strategic refinancing, also contribute to enhance portfolio performance.

Portfolio expansion

Once an investor has a small portfolio and positive financial position, they may be able to raise additional funds to help expand. This enables investors to diversify and spread their investments in different areas and different property classes, such as residential or commercial.

As a property portfolio expands, diversification can help minimise risk. Spreading the investment across different markets and locations can safeguard against fluctuations in property values.

At KFH we can provide valuable insight to help you decide where to make your London property investment. Contact us to find out how we can help.

Portfolio reviews

Regular reviews of property portfolios are an important element of portfolio management. A regular review of overheads can help identify cost-saving options. The portfolio should be regularly assessed from a profit and loss perspective. Such assessments may identify growth opportunities as well as any less profitable properties or those continually requiring a high level of maintenance.

Reviewing the portfolio can also help identify any refurbishment or major improvement opportunities that may add value and help it achieve a greater rental yield.

Refinancing

Refinancing can help investors find preferential interest rates, extend or shorten the loan term, or release equity.

Within a property portfolio, profitable properties will return money on the investment at different rates. The profits from some properties could be transferred to others, to optimise the loan to value (LTV) ratios. Lenders often charge lower interest rates to borrowers when they own a higher share in the property.

There will often be arrangement fees associated with refinancing options, and loans may have terms and conditions that mean refinancing can only be arranged after a specified period has passed.

Property management

Properties require maintenance and management, and with a growing portfolio of properties these duties usually require more time to uphold. KFH’s property management services include the following:

  • Budgeting and cost management
  • Advertising and marketing to suitable tenants
  • Tenant references
  • Rent collection and debt recovery
  • Property and block management
  • 24 hour emergency support for tenants
  • Financial reporting
  • Health and safety obligations
  • Refurbishment and enhancement
  • Caretaking of empty properties

Appointing a property management agent can be advantageous from the point of freeing up your time and harnessing the expertise of a team of experts dedicated to helping you get the most out of your investment.

KFH has over 35 years’ experience in property management; contact us to discuss your requirements.

Contact our Land and New Homes team

Contact our team today to discuss your requirements.

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