Schwab Commission Efficient ETFs Including iShares
Investment Model Portfolios

This plan uses Schwab’s commission free ETFs (only if these ETFs are traded in a Schwab brokerage account), in addition to iShares ETFs.This plan is also suitable to any self-directed IRA or 401(k) account on Schwab including popular Schwab Personal Choice Retirement Account (PCRA).

Since Schwab’s ETFs only cover Domestic and International Equities, the additional ETFs are used to include other major asset classes including US REIT (IYR), Global REIT (IGR), Commodities (DBC, GLD), International Bonds (BWX), Fixed Incomes and Long/Intermediate/Short US Treasury Bonds (TLT, IEI, SHY) and High Yield Junk Bond (JNK). These additional ETFs are not commission free in a Schwab brokerage account.

Since Schwab ETFs have a very short history, the model portfolios are really meant for ongoing purposes. We recommend you to refer to Fidelity Commission Efficient ETFs plan for a longer history reference. (Please also note that for Fidelity Commission Efficient ETFs, it has more ETFs in US Domestic and International Equities. the comparison might not be exact).

This plan differs from Schwab Commission Efficient ETFs by including those iShares ETFs which have overlapped asset classes but have longer history.

The following is the list of Schwab commission free ETFs (as of 3/19/2010):

Schwab ETF Fund symbol & expense ratio comparison2
Domestic Equity ETFs Schwab Vanguard iShares SPDRs
Schwab U.S. Broad Market ETF™ SCHB
0.08%		 VTI
0.09%		 IWV
0.21%		 TMW
0.21%
Schwab U.S. Large-Cap ETF™ SCHX
0.08%		 VV
0.13%		 IVV
0.09%		 SPY
0.09%
Schwab U.S. Large-Cap Growth ETF™ SCHG
0.15%		 VUG
0.15%		 IVW
0.18%		 ELG
0.20%
Schwab U.S. Large-Cap Value ETF™ SCHV
0.15%		 VTV
0.15%		 IVE
0.18%		 ELV
0.21%
Schwab U.S. Small-Cap ETF™ SCHA
0.15%		 VB
0.15%		 IJR
0.20%		 DSC
0.32%
International Equity ETFs Schwab Vanguard iShares SPDRs
Schwab International Equity ETF™ SCHF
0.15%		 VEA
0.16%		 EFA
0.35%		 CWI
0.34%
Schwab International Small-Cap Equity ETF™ 
 SCHC
0.35%		 VSS
0.55%		 SCZ
0.40%		 GWX
0.59%
Schwab Emerging Markets Equity ETF™ 
 SCHE
0.35%		 VWO
0.27%		 EEM
0.72%		 GMM
0.59%

Investment options of Schwab Commission Efficient ETFs Including iShares

Total Available Funds: 47
Asset Class Ticker Description
US EQUITY
LARGE VALUE SCHV Schwab U.S. Large-Cap Value ETF SCHV
LARGE BLEND SCHX Schwab U.S. Large-Cap ETF SCHX
LARGE BLEND IWB iShares Russell 1000 Index IWB
LARGE BLEND SCHB Schwab U.S. Broad Market ETF SCHB
LARGE GROWTH SCHG Schwab U.S. Large-Cap Growth ETF SCHG
LARGE GROWTH IWF iShares Russell 1000 Growth Index IWF
MID-CAP VALUE IJJ iShares S&P MidCap 400 Value Index IJJ
MID-CAP BLEND IJH iShares S&P MidCap 400 Index IJH
Mid-Cap Growth IJK iShares S&P MidCap 400 Growth Index IJK
SMALL VALUE IJS iShares S&P SmallCap 600 Value Index IJS
SMALL VALUE IWN iShares Russell 2000 Value Index IWN
SMALL BLEND SCHA Schwab U.S. Small-Cap ETF SCHA
SMALL BLEND IWM iShares Russell 2000 Index IWM
Small Growth IJT iShares S&P SmallCap 600 Growth IJT
Small Growth IWO iShares Russell 2000 Growth Index IWO
LARGE BLEND IWV iShares Russell 3000 Index (IWV)
LARGE BLEND IVV iShares S&P 500 Index (IVV)
LARGE GROWTH IVW iShares S&P 500 Growth Index (IVW)
LARGE GROWTH IVW iShares S&P 500 Growth Index (IVW)
SMALL BLEND IJR iShares S&P SmallCap 600 Index (IJR)
MID-CAP BLEND SCHM
INTERNATIONAL EQUITY
WORLD STOCK ACWI iShares MSCI ACWI Index ACWI
Foreign Large Blend SCHF Schwab International Equity ETF SCHF
FOREIGN SMALL/MID GROWTH SCHC Schwab International Small-Cap Eq ETF SCHC
Foreign Large Blend EFA iShares MSCI EAFE Index (EFA)
Foreign Small/Mid Value SCZ iShares MSCI EAFE Small Cap Index (SCZ)
Emerging Market
DIVERSIFIED EMERGING MKTS SCHE Schwab Emerging Markets Equity ETF SCHE
DIVERSIFIED EMERGING MKTS EEM iShares MSCI Emerging Markets Index (EEM)
FIXED INCOME
Intermediate-Term Bond AGG iShares Lehman Aggregate Bond AGG
Inflation-Protected Bond TIP iShares Lehman TIPS Bond TIP
Long-Term Bond LQD iShares iBoxx $ Invest Grade Corp Bond LQD
Emerging Markets Bond EMB iShares JPMorgan USD Emerg Markets Bond EMB
Muni National Long MUB iShares S&P National Municipal Bond MUB
WORLD BOND BWX International Treasury Bonds (BWX)
LONG GOVERNMENT TLT Long Term Treasury Bond (TLT)
Intermediate Government IEI Intermediate Term Treasury Bond (IEI)
SHORT GOVERNMENT SHY Short Term Treasury Bond (SHY)
High Yield Bond JNK High Yield Junk Bond (JNK)
Short-Term Bond CSJ iShares Lehman 1-3 Year Credit Bond (CSJ)
Intermediate-Term Bond CFT iShares Lehman Credit Bond (CFT)
Inflation-Protected Bond SCHP
Others
ROOT CASH Money Market
REAL ESTATE
REAL ESTATE IYR US REIT (IYR)
Global Real Estate RWX International REIT (RWX)
REAL ESTATE SCHH
COMMODITIES
COMMODITIES BROAD BASKET DBC Commodities (DBC)
COMMODITIES GLD Gold (GLD)

Investment model portfolios

We provide two types of investment model portfolios for Schwab Commission Efficient ETFs Including iShares participants. You can customize and follow a model portfolio in your plan account.

Types of portfolio strategies

These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.

Let us know (Email us) if you need help to create a custom model portfolio for your plan.

Example model portfolios

The following provides historical returns for example model portfolios with a moderate risk profile (at most 60% in stocks) and their comparison with benchmark index funds. You can customize these portfolios according to your own risk profile.

Strategic Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Strategic Asset Allocation (SAA) strategy.

Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Common Inception
Schwab Commission Efficient ETFs Including iShares Strategic Asset Allocation – Optimal Moderate NA 66.08% 11.68% 12.18% 8.11% 8.02% 7.18% … …
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) NA 37.82% 8.86% 15.20% 12.89% 14.04% 10.46% … …
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) NA 22.89% 2.25% 6.63% 6.01% 7.19% 6.10% … …
Data as of 10/31/2024, Common starting date is 12/31/2000

Tactical Asset Allocation Model Portfolio

The following portfolio is based on the MyPlanIQ Tactical Asset Allocation (TAA) strategy.

Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Common Inception
Schwab Commission Efficient ETFs Including iShares Tactical Asset Allocation Moderate NA 14.44% 4.67% 7.50% 4.55% 5.97% 8.02% … …
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) NA 37.82% 8.86% 15.20% 12.89% 14.04% 10.46% … …
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) NA 22.89% 2.25% 6.63% 6.01% 7.19% 6.10% … …
Data as of 10/31/2024, Common starting date is 12/31/2000

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