Performance March 9, 2016

    Schwab Intelligent Portfolios™ is a year old today—and what a great first year it has been! We're excited that tens of thousands of you have joined us in making a great leap forward in financial services innovation. We thank you for investing with us and for trusting us to manage your money—more than $5 billion so far.

    We've learned a lot in our first year, especially about you, our clients and your needs. Investors of all ages have opened Schwab Intelligent Portfolios accounts—roughly half of you are Millennials/Generation X and half are Baby Boomers or older. While most investors have said their goal is saving for retirement (61%), a significant portion are using Schwab Intelligent Portfolios for income (13%), to grow long-term wealth (9%) or to save for something special (8%). More than 10,000 clients have used our new Goal Tracker to set and monitor progress toward a savings or income goal.

    Although the markets have been rocky over the past year—especially since the beginning of 2016—you are staying the course. During the very volatile month of January, 99% of you stayed invested in the same portfolio (which is great, because having a plan and sticking to it are key factors in investing). We also fielded a higher level of calls from clients who wanted to speak with a professional during turbulent times, underscoring our belief that people prefer technology/automation in combination with access to humans when needed.

    Meanwhile, we've continued to evolve. We've listened to you and added features to help you work towards your goals, including:

    • Goal Tracker, to help you set up and track an investment goal over time based on how your portfolio might perform in a variety of potential market conditions;
    • Custodial accounts, so you can help your children and grandchildren get an early start on investing;
    • Touch ID® on touch-capable Apple® devices, to make it easier to log in and monitor your accounts (and since then, you've logged in 30% more often);
    • Ongoing emails discussing portfolio performance results.

    And there is much more to come. Over the next year, you can expect more account types, new tools and more personalized communications, such as push notifications. And we won't stop there; we welcome your questions and your ideas as we continue to enhance Schwab Intelligent Portfolios.

    Our first year has been busy. As it comes to a close we would like to extend a heartfelt thank you to all of our clients for entrusting us with your investments. We appreciate your joining us in this first year of our journey, and look forward to serving your investment needs for many years to come.

    Thank you,

    All of us at Schwab Intelligent Portfolios

    There is no guarantee that the intended goal will be reached and changes to inputs and other assumptions may affect your potential to reach the intended goal. In addition, the projections and other information you will see here about the likelihood of various outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. The projections are based on estimates intended to be representative of the selected portfolio. The output of this tool may vary with each use and over time. The tool does not consider the specific securities or other assets held by you. This tool provides analysis based upon your inputs but makes additional assumptions detailed in the Goal Tracker white paper.

    Investing involves risks including possible loss of principal.

    (0316-D4WY)


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