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Performance

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Historical Returns by Fund | Historical Returns by Sub-Advisor  

Schwab Managed Retirement Trust Funds™ (SMRT Funds)

Past performance is no guarantee of future results. Investment return and principal value will fluctuate, and shares, when redeemed, may be worth more or less than original cost. Fund performance includes the reinvestment of all income and is presented net of all fees.

Class III (0.54% OER), Class IV (0.45% OER) and Class V (0.35% OER) extended performance prior to inception date based upon actual Class I (0.89% OER) performance, adjusted for difference in unit class expense.

The values of the target funds will fluctuate up to and after the target date. There is no guarantee the funds will provide adequate income at or through retirement. Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market. The Funds are subject to market volatility and risks associated with the underlying investments. Risks include exposure to international and emerging markets, small company and sector equity securities, and fixed income securities subject to changes in inflation, interest rates, market valuations, liquidity, prepayments, and early redemption. The funds are built for investors who expect to start gradual withdrawals of fund assets on the target date, to begin covering expenses in retirement. The principal value of the funds is not guaranteed at any time, and will continue to fluctuate up to and after the target date.

1. To invest in SMRT Funds Unit Class V, a plan must map a minimum of $100 million or plans must be greater than $400 million in total plan assets.

2. Target Date Custom Indices are composed of the Russell® 1000 Index, Russell® 2000 Index, MSCI EAFE Index (Net), MSCI Emerging Markets Index (Net), FTSE EPRA/NAREIT Developed Index (Net), Bloomberg Commodity Index, Bloomberg Barclays 1-3 Year Government Credit Index, Bloomberg Barclays U.S. Aggregate Bond Index, Bloomberg Barclays Global Aggregate Bond ex-US Hedged Index, Bloomberg Barclays U.S. Treasury: U.S. TIPS Index, and Citigroup 3 Month T-Bill Index. Download Custom Index Allocation.

The Bloomberg Barclays U.S. Aggregate Bond Index: An index representing securities that are SEC registered, taxable, and dollar denominated. The index covers the U.S. investment grade fixed rate bond market, with index components for government and corporate securities, mortgage pass-through securities, and asset backed securities.

The Bloomberg Barclays U.S. Treasury Inflation-Protected Securities (TIPS) Index: A market value-weighted index that tracks inflation-protected securities issued by the U.S. Treasury. To prevent the erosion of purchasing power, TIPS are indexed to the non-seasonally adjusted Consumer Price Index for All Urban Consumers, or the CPI-U (CPI).

The Bloomberg Barclays Global Aggregate ex-US Hedged Index is a is a subset of the flagship Global Aggregate Index that measures multi-currency global investment grade debt but excludes those denominated in USD. This multi-currency benchmark includes fixed-rate treasury, government-related, corporate and securitized bonds from both developed and emerging markets issuers. The Global Aggregate ex USD Index is largely comprised of the regional Pan-European Aggregate and Asian-Pacific Aggregate Indices. In addition to securities from these two benchmarks, the index also includes investment grade Euro-Yen and Canadian securities.

The Bloomberg Barclays 1-3 Year US Government Credit Index is a subset of US Government/Credit Index that is the non-securitized component of the US Aggregate Index. The index includes US Treasuries, Government-Related issues (e.g., US agency, sovereign, supranational, and local authority debt), and USD Corporates with a remaining maturity of 1-3 years.

The Bloomberg Commodity Index: The Index is calculated on an excess return basis and composed of futures contracts on 22 physical commodities. It reflects the return of underlying commodity futures price movements.

Citigroup U.S. 3-month Treasury Bill Index: An index that measures monthly total return equivalents of yield averages that are not marked to market. The Three-Month Treasury Bill Index consists of the last three three-month Treasury bill issues.

Citigroup World Government Bond Index: A market capitalization weighted index consisting of the government bond markets. Country eligibility is determined based on market capitalization and investability criteria. All issues have a remaining maturity of at least one year.

FTSE EPRA/NAREIT Developed Index (Net): An index designed to represent general trends in eligible real estate equities worldwide. Relevant real estate activities are defined as the ownership, disposure and development of income-producing real estate. This series approximates the minimum possible dividend reinvestment.

MSCI All Country World Index (ACWI): A free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of developed and emerging markets.

MSCI EAFE® Index (Europe, Australasia, Far East) (Net): A free float-adjusted market capitalization index that is designed to measure developed market equity performance, excluding the US & Canada. This series approximates the minimum possible dividend reinvestment.

The Russell indices are market-capitalization weighted and subsets of the Russell 3000® Index, which contains the largest 3,000 companies incorporated in the United States and represents approximately 98% of the investable U.S. equity market. The Russell 2000® Index is composed of the 2000 smallest companies in the Russell 3000® Index. The Russell 1000® Index is composed of the 1000 largest companies in the Russell 3000® Index.

© 2017 by Morningstar, Inc. All rights reserved. The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for non-commercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete or timely. Morningstar, Inc. shall not be responsible for investment decisions, damages or other losses resulting from use of this information. Past performance is no guarantee of future performance. Morningstar, Inc. has not granted consent for it to be considered or deemed an "expert" under the Securities Act of 1933.

View all performance disclosures.

Historical Returns by Fund | Historical Returns by Sub-Advisor 

Schwab Indexed Retirement Trust Funds® (SIRT Funds)

Past performance is no guarantee of future results. Investment return and principal value will fluctuate, and shares, when redeemed, may be worth more or less than original cost. Fund performance includes the reinvestment of all income and is presented net of all fees.

The values of the target funds will fluctuate up to and after the target date. There is no guarantee the funds will provide adequate income at or through retirement. Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market. The Funds are subject to market volatility and risks associated with the underlying investments. Risks include exposure to international and emerging markets, small company and sector equity securities, and fixed income securities subject to changes in inflation, interest rates, market valuations, liquidity, prepayments, and early redemption. The funds are built for investors who expect to start gradual withdrawals of fund assets on the target date, to begin covering expenses in retirement. The principal value of the funds is not guaranteed at any time, and will continue to fluctuate up to and after the target date.

1. Target date custom indices are composed of the Russell 1000® Index, Russell 2000® Index, MSCI EAFE® Net Index, MSCI Emerging Markets Net Index, FTSE EPRA/NAREIT Developed Index (Net), Bloomberg Commodity Index, Bloomberg Barclays U.S. Aggregate Bond Index, Bloomberg Barclays U.S. Treasury Inflation-Protected Securities (TIPS) Index, and Citigroup 3 Month T-Bill Index. Download Custom Index Allocation.

The Russell indices are market-capitalization weighted and subsets of the Russell 3000® Index, which contains the largest 3,000 companies incorporated in the United States and represents approximately 98% of the investable U.S. equity market. The Russell 2000® Index is composed of the 2000 smallest companies in the Russell 3000 Index. The Russell 1000® Index is composed of the 1000 largest companies in the Russell 3000® Index.

The MSCI EAFE Net Index (Europe, Australasia, Far East) is a free float–adjusted market capitalization index that is designed to measure developed market equity performance, excluding the U.S. and Canada.

The MSCI Emerging Markets Net Index captures large and mid cap representation across approximately 20
Emerging Markets countries.

The FTSE EPRA/NAREIT Global Real Estate Net Index is designed to represent general trends in eligible real estate equities worldwide. Relevant real estate activities are defined as the ownership, disposure, and development of income-producing real estate.

Bloomberg Commodity Index: The Index is calculated on an excess return basis and composed of futures contracts on 22 physical commodities. It reflects the return of underlying commodity futures price movements.

The Bloomberg Barclays U.S. TIPS Index is a market value–weighted index that tracks inflation-protected securities issued by the U.S. Treasury. To prevent the erosion of purchasing power, TIPS are indexed to the non–seasonally adjusted Consumer Price Index for All Urban Consumers, or the CPI-U (CPI).

The Bloomberg Barclays U.S. Aggregate Bond Index represents securities that are SEC-registered, taxable, and dollar-denominated. The index covers the U.S. investment grade fixed-rate bond market, with index components for government and corporate securities, mortgage pass-through securities, and asset-backed securities.

The Citigroup U.S. 3-Month Treasury Bill Index measures monthly total return equivalents of yield averages that are not marked to market. This index consists of the last three three-month Treasury bill issues.

© 2017 by Morningstar, Inc. All rights reserved. The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for non-commercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete or timely. Morningstar, Inc. shall not be responsible for investment decisions, damages or other losses resulting from use of this information. Past performance is no guarantee of future performance. Morningstar, Inc. has not granted consent for it to be considered or deemed an "expert" under the Securities Act of 1933.

View all performance disclosures.
 Historical Returns by Fund

Schwab Diversified Allocation Trust Funds

Past performance is no guarantee of future results. Investment return and principal value will fluctuate, and shares, when redeemed, may be worth more or less than original cost. Fund performance includes the reinvestment of all income and is presented net of all fees.

As of May 1, 2017, the Schwab Diversified Conservative Allocation Trust Fund, Schwab Diversified Growth Allocation Trust Fund, and the Schwab Diversified Aggressive Allocation Trust Fund were closed to new investors.

1. The Global Conservative Custom Index is comprised of 20% MSCI All Country World Index (Net) (ACWI), 75% Bloomberg Barclays U.S. Aggregate Bond Index, and 5% S&P Goldman Sachs Commodity Total Return Index (GSCI). The Global Growth custom index is composed of 55% MSCI All Country World Index (Net), 40% Bloomberg Barclays U.S. Aggregate Bond Index, and 5% Goldman Sachs Commodity Index. The Global Aggressive custom index is composed of 70% MSCI All Country World Index (Net), 20% Citigroup World Government Bond Index, and 10% S&P Goldman Sachs Commodity Index. 

The MSCI All Country World Index (Net) (ACWI) is a free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of developed and emerging markets.

The Bloomberg Barclays U.S. Aggregate Bond Index represents securities that are SEC registered, taxable, and dollar denominated. The index covers the U.S. investment grade fixed rate bond market, with index components for government and corporate securities, mortgage pass-through securities, and asset backed securities.

The Citigroup World Government Bond Index (CWGBI) is a market capitalization weighted index consisting of the government bond markets. Country eligibility is determined based on market capitalization and investability criteria. All issues have a remaining maturity of at least one year.

The S&P Goldman Sachs Commodity Index (GSCI) is a composite index of commodity sector returns, representing an un-leveraged, long-only investment in commodity futures that is broadly diversified across the spectrum of commodities.

© 2017 by Morningstar, Inc. All rights reserved. The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for non-commercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete or timely. Morningstar, Inc. shall not be responsible for investment decisions, damages or other losses resulting from use of this information. Past performance is no guarantee of future performance. Morningstar, Inc. has not granted consent for it to be considered or deemed an "expert" under the Securities Act of 1933.

View all performance disclosures.
Historical Returns by Fund | Historical Returns by Sub-Advisor 

Schwab Institutional Trust Funds® 

Past performance is no guarantee of future results. Investment return and principal value will fluctuate, and shares, when redeemed, may be worth more or less than original cost. Fund performance includes the reinvestment of all income and is presented net of all fees.

The Schwab Institutional Large Cap Value Trust Fund’s benchmark is the Russell 1000 Value Index which contains those Russell 1000 securities with a less-than-average growth orientation.

The Schwab Institutional Large Cap Growth Trust Fund’s benchmark is the Russell 1000 Growth Index which contains those securities in the Russell 1000 Index with a greater-than-average growth orientation.

The Schwab Institutional Small Cap Trust Fund’s benchmark is the Russell 2000 Index which is composed of the 2,000 smallest companies in the Russell 3000® Index.

The Schwab Institutional Diversified International Trust Fund’s benchmark is the MSCI EAFE® Index (Net) which is a free float–adjusted market capitalization index that is designed to measure developed market equity performance, excluding the U.S. and Canada.

© 2017 by Morningstar, Inc. All rights reserved. The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for non-commercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete or timely. Morningstar, Inc. shall not be responsible for investment decisions, damages or other losses resulting from use of this information. Past performance is no guarantee of future performance. Morningstar, Inc. has not granted consent for it to be considered or deemed an "expert" under the Securities Act of 1933.

View all performance disclosures.

Historical Returns by Fund | Historical Returns by Sub-Advisor 

Schwab Institutional Trust Funds® 

Past performance is no guarantee of future results. Investment return and principal value will fluctuate, and shares, when redeemed, may be worth more or less than original cost. Fund performance includes the reinvestment of all income and is presented net of all fees.

The Schwab Institutional Core Plus Fixed Income Trust Fund’s benchmark is the Bloomberg Barclays U.S. Aggregate Bond Index, which represents securities that are SEC-registered, taxable, and dollar-denominated. The index covers the U.S. investment grade fixed-rate bond market, with index components for government and corporate securities, mortgage pass-through securities, and asset-backed securities.

© 2017 by Morningstar, Inc. All rights reserved. The information contained herein is the proprietary information of Morningstar, Inc., and may not be copied or redistributed for any purpose and may only be used for non-commercial, personal purposes. The information contained herein is not represented or warranted to be accurate, correct, complete or timely. Morningstar, Inc. shall not be responsible for investment decisions, damages or other losses resulting from use of this information. Past performance is no guarantee of future performance. Morningstar, Inc. has not granted consent for it to be considered or deemed an "expert" under the Securities Act of 1933.


View all performance disclosures.