Schwab Extended Commission Free ETFs Investment Model Portfolios

Schwab recently made 105 ETFs commission free on its brokerage platform. 2/8/2013. Not to be confused with Schwab Commission Free ETFs, that only consists of Schwab ETFs.

Investment options of Schwab Extended Commission Free ETFs

Total Available Funds: 105

Asset Class

Ticker

Description

US EQUITY
LARGE BLEND	SCHB	Schwab U.S. Broad Market ETF
LARGE BLEND	RSP	Guggenheim S&P 500 Equal Weight
LARGE BLEND	SCHX	Schwab U.S. Large-Cap ETF
LARGE BLEND	XLG	Guggenheim Russell Top 50
LARGE BLEND	SCHD	Schwab U.S. Dividend Equity ETF
LARGE GROWTH	SCHG	Schwab U.S. Large-Cap Growth ETF
LARGE VALUE	DEF	Guggenheim Defensive Equity
LARGE VALUE	CVY	Guggenheim Multi-Asset Income
LARGE VALUE	SPLV	PowerShares S&P 500 Low Volatility
LARGE VALUE	SCHV	Schwab U.S. Large-Cap Value ETF
MID-CAP BLEND	SCHM	Schwab U.S. Mid-Cap ETF
Mid-Cap Growth	MDYG	SPDR S&P 400 Mid Cap Growth ETF
MID-CAP VALUE	SPHB	PowerShares S&P 500 High Beta
MID-CAP VALUE	MDYV	SPDR S&P 400 Mid Cap Value ETF
SMALL BLEND	EWRS	Guggenheim Russell 2000 Equal Weight
SMALL BLEND	SCHA	Schwab U.S. Small-Cap ETF
Small Growth	SLYG	SPDR S&P 600 Small Cap Growth ETF
SMALL VALUE	SLYV	SPDR S&P 600 Small Cap Value ETF

Emerging Market
China Region	HAO	Guggenheim China Small Cap
China Region	YAO	Guggenheim China All-Cap
DIVERSIFIED EMERGING MKTS	FRN	Guggenheim Frontier Markets
DIVERSIFIED EMERGING MKTS	EWX	SPDR S&P Emerging Markets Small Cap
DIVERSIFIED EMERGING MKTS	SCHE	Schwab Emerging Markets Equity ETF
DIVERSIFIED EMERGING MKTS	GAF	SPDR S&P Emerging Middle East & Africa
DIVERSIFIED EMERGING MKTS	EWEM	Guggenheim MSCI Emerging Markets Eq Wt
DIVERSIFIED EMERGING MKTS	EEB	Guggenheim BRIC
DIVERSIFIED EMERGING MKTS	EDIV	SPDR S&P Emerging Markets Dividend
DIVERSIFIED EMERGING MKTS	EELV	PowerShares S&P Emerging Markets Low Vol
India Equity	PIN	PowerShares India
Latin America Stock	GML	SPDR S&P Emerging Latin America

INTERNATIONAL EQUITY
EUROPE STOCK	FEU	SPDR STOXX Europe 50
Foreign Large Blend	CWI	SPDR MSCI ACWI (ex-US)
Foreign Large Blend	SCHF	Schwab International Equity ETF
Foreign Large Value	IDLV	PowerShares S&P Intl Dev Low Volatility
Foreign Large Value	DWX	SPDR S&P International Dividend
Foreign Small/Mid Blend	MDD	SPDR S&P International Mid Cap
Foreign Small/Mid Blend	SCHC	Schwab International Small-Cap Eq ETF
JAPAN STOCK	JPP	SPDR Russell/Nomura PRIME Japan
PACIFIC/ASIA EX-JAPAN STK	GMF	SPDR S&P Emerging Asia Pacific
WORLD STOCK	ACIM	SPDR MSCI ACWI IMI

FIXED INCOME
Bank Loan	BKLN	PowerShares Senior Loan Port
Emerging Markets Bond	PCY	PowerShares Emerging Mkts Sovereign Debt
Emerging Markets Bond	DSUM	PowerShares Chinese Yuan Dim Sum Bond
Emerging Markets Bond	EMCD	SPDR BofA ML EM Corp Bd ETF
Emerging Markets Bond	EBND	SPDR Barclays Capital EM Local Bond ETF
High Yield Bond	BSJH	Guggenheim BulletShares 2017 HY C Bd ETF
High Yield Bond	BSJG	Guggenheim BulletShares 2016 HY C Bd ETF
High Yield Bond	PHB	PowerShares Fundamental High Yld Corp Bd
High Yield Bond	BSJF	Guggenheim BulletShares 2015 HY Crp Bond
High Yield Bond	BSJE	Guggenheim BulletShares 2014 HY Crp Bond
High Yield Bond	BSJD	Guggenheim BulletShares 2013 HY Crp Bond
High Yield Bond	BSJI	Guggenheim BulletShares 2018 HY C Bd ETF
High Yield Muni	HYMB	SPDR Nuveen S&P High Yield Municipal Bd
Inflation-Protected Bond	SCHP	Schwab U.S. TIPS ETF
Intermediate Government	SCHR	Schwab Intermediate-Term U.S. Trsy ETF
Intermediate-Term Bond	BSCE	Guggenheim BulletShares 2014 Corp Bond
Intermediate-Term Bond	SCHZ	Schwab U.S. Aggregate Bond ETF
Intermediate-Term Bond	BSCI	Guggenheim BulletShares 2018 Corp Bond
Intermediate-Term Bond	BSCK	Guggenheim BulletShares 2020 Corp Bond
Intermediate-Term Bond	BSCH	Guggenheim BulletShares 2017 Corp Bond
Intermediate-Term Bond	BSCJ	Guggenheim BulletShares 2019 Corp Bond
Intermediate-Term Bond	BSCF	Guggenheim BulletShares 2015 Corp Bond
Intermediate-Term Bond	BSCG	Guggenheim BulletShares 2016 Corp Bond
LONG GOVERNMENT	TLO	SPDR Barclays Capital Long Term Treasury
Muni California Long	PWZ	PowerShares Insured California Muni Bond
Muni National Long	TFI	SPDR Nuveen Barclays Capital Muni Bond
Muni National Short	SHM	SPDR Nuveen Barclays Capital S/T Muni Bd
Muni New York Long	PZT	PowerShares Insured New York Muni Bond
SHORT GOVERNMENT	SCHO	Schwab Short-Term U.S. Treasury ETF
Short-Term Bond	BSCD	Guggenheim BulletShares 2013 Corp Bond
WORLD BOND	BWZ	SPDR Barclays Cap S/T Intl Treasury Bond
WORLD BOND	IBND	SPDR Barclays Capital Intl Corp Bond
WORLD BOND	BWX	SPDR Barclays Capital Intl Treasury Bond

Others
Convertibles	CWB	SPDR Barclays Capital Convertible Secs
Communications	PBS	PowerShares Dynamic Media
Consumer Cyclical	RCD	Guggenheim S&P 500 Eq Weight Cons Discre
Consumer Defensive	RHS	Guggenheim S&P 500 Eq Wt Cons Staples
Equity Energy	RYE	Guggenheim S&P 500 Equal Weight Energy
EQUITY PRECIOUS METALS	PSAU	PowerShares Global Gold & Prec Metals
Financial	RYF	Guggenheim S&P 500 Eq Weight Financials
Health	RYH	Guggenheim S&P 500 Eq Weight Healthcare
Industrials	RGI	Guggenheim S&P 500 Eq Wt Industrials
MISCELLANEOUS SECTOR	PGX	PowerShares Preferred
Natural Resources	RTM	Guggenheim S&P 500 Eq Weight Materials
Technology	RYT	Guggenheim S&P 500 Eq Weight Technology
Utilities	RYU	Guggenheim S&P 500 Eq Weight Utilities
Currency	FXF	CurrencyShares Swiss Franc Trust
Currency	FXS	CurrencyShares Swedish Krona Trust
Currency	FXY	CurrencyShares Japanese Yen Trust
Currency	FXE	CurrencyShares Euro Trust
Currency	FXA	CurrencyShares Australian Dollar Trust
Currency	FXB	CurrencyShares British Pound Sterling Tr
Currency	FXC	CurrencyShares Canadian Dollar Trust

COMMODITIES
COMMODITIES BROAD BASKET	USCI	United States Commodity Index
Commodities Energy	UNL	United States 12 Month Natural Gas
Commodities Energy	UGA	United States Gasoline
Commodities Energy	USL	United States 12 Month Oil
Commodities Precious Metals	SIVR	ETFS Physical Silver Shares
Commodities Precious Metals	WITE	ETFS Physical White Metals Basket Shares
Commodities Precious Metals	PPLT	ETFS Physical Platinum Shares
Commodities Precious Metals	PALL	ETFS Physical Palladium Shares
Commodities Precious Metals	GLTR	ETFS Physical PM Basket Shares
Commodities Precious Metals	SGOL	ETFS Physical Swiss Gold Shares

REAL ESTATE
Global Real Estate	RWO	SPDR Dow Jones Global Real Estate
REAL ESTATE	SCHH	Schwab US REIT ETF

Investment model portfolios

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

Types of portfolio strategies

Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
  - Less error-prone
  - Infrequent rebalancing or transactions
  - Tax efficient for taxable brokerage investments
- Cons:
  - Interim loss or drawdown can be substantial
  - Possible low returns for an extended period, such as 10 years or longer
Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
  - Reduce large interim loss or drawdown
  - Less sensitive to investment entry point
  - Likely to improve returns
- Cons
  - Demand more frequent rebalancing or transactions
  - Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
  - Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets

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.

Customize a model portfolio now

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 Extended Commission Free ETFs Strategic Asset Allocation – Optimal Moderate	NA	-2.50%	-0.02%	2.17%	NA	NA	NA	…	…
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES)	NA	16.93%	10.76%	14.57%	9.30%	10.23%	6.77%	…	…
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES)	NA	10.82%	5.35%	7.30%	5.35%	7.39%	6.01%	…	…

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Common	Inception	YTD	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983	1982	1981	1980	1979
Annualized Return (%)	Schwab Extend… Moderate	-21.88	-2.50	-0.02	2.17	NA	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	2,525.53	5.05	4.47	-2.68	3.34	8.87	10.30	-3.95	9.80	0.00	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	0.51	16.93	10.76	14.57	9.30	10.23	6.77	…	…	NA	17.72	24.84	26.12	-18.24	28.53	18.74	31.33	-4.55	21.66	11.83	1.23	13.52	32.17	15.82	1.96	14.91	26.52	-37.02	5.39	15.64	4.77	10.74	28.50	-22.17	-12.03	-9.05	21.08	28.62	33.18	22.87	37.45	1.18	10.15	8.24	32.05	-3.33	28.37	14.92	3.97	9.30	22.60	3.67	17.07	19.25	-8.55	27.89	-2.07
	VSMGX (VANGUA…R SHARES)	0.11	10.82	5.35	7.30	5.35	7.39	6.01	…	…	NA	16.26	10.28	15.51	-16.01	10.08	13.59	19.30	-6.28	14.86	7.09	-2.21	6.38	14.73	9.78	0.12	13.14	20.35	-26.49	7.21	13.30	5.68	11.76	22.40	-10.34	-4.78	1.27	14.09	21.59	17.90	10.77	26.58	2.04	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Sharpe Ratio	Schwab Extend… Moderate	NA	7.69	1.04	0.65	NA	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	4.34	0.72	0.57	-0.33	0.57	1.22	1.34	-0.24	0.69	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	1.89	1.22	0.63	0.75	NA	NA	…	…	1.30	0.80	1.67	1.73	-0.82	2.17	0.53	2.39	-0.35	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.14	1.22	0.24	0.88	1.63	-0.90	-0.68	-0.60	0.97	1.23	1.61	1.62	4.31	-0.19	0.90	0.57	1.91	-0.55	1.71	0.59	-0.01	0.30	1.47	-0.26	0.79	0.63	-1.30	1.17	-3.84
	VSMGX (VANGUA…R SHARES)	NA	1.70	1.15	0.38	0.62	NA	NA	…	…	1.08	1.36	0.87	1.45	-1.22	1.32	0.70	2.77	-0.87	3.75	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.39	1.34	0.49	1.49	2.09	-0.75	-0.59	-0.24	1.06	1.56	1.56	0.91	4.18	4.60	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	Schwab Extend… Moderate	NA	333.84	192.83	149.48	NA	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	581.73	6.14	7.49	8.23	5.84	7.23	7.66	16.93	13.99	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	12.22	14.87	16.92	18.13	NA	NA	…	…	13.93	18.66	12.67	13.09	24.19	13.11	34.69	12.48	17.11	6.68	13.11	15.51	11.39	11.07	12.74	23.36	18.07	27.22	40.99	16.02	10.04	10.29	11.10	17.04	25.96	21.55	22.20	18.17	20.48	18.21	11.77	7.77	9.92	8.83	9.93	14.69	16.06	13.09	17.07	33.80	16.55	11.67	12.80	13.62	18.09	14.61	16.53	23.80
	VSMGX (VANGUA…R SHARES)	NA	8.47	8.97	10.05	10.33	NA	NA	…	…	10.48	9.89	7.69	8.26	14.34	7.62	19.08	6.43	8.81	3.80	8.31	8.51	6.28	6.80	7.99	14.68	11.10	18.01	27.95	10.37	7.43	6.96	7.25	10.38	15.37	12.42	12.30	10.07	11.65	9.10	7.74	5.41	15.57	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Draw Down(%)	Schwab Extend… Moderate	NA	25.12	25.12	25.12	NA	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	25.12	5.04	5.07	9.59	5.26	7.88	5.95	16.51	12.42	0.00	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	8.92	18.76	24.59	33.83	NA	NA	…	…	8.92	18.76	8.45	9.97	24.59	5.14	33.83	6.63	19.40	2.60	10.29	12.05	7.30	5.59	9.60	18.71	15.66	27.17	47.73	9.88	7.47	7.01	7.47	13.79	33.02	29.18	16.55	11.81	19.20	10.79	7.45	2.50	8.48	4.84	5.63	5.57	19.19	7.35	7.24	33.08	11.63	7.51	10.58	7.02	13.21	15.61	16.03	2.40
	VSMGX (VANGUA…R SHARES)	NA	6.64	9.62	22.29	22.43	NA	NA	…	…	6.64	9.62	4.17	8.15	21.74	3.53	22.43	3.12	11.47	1.14	6.20	8.34	4.70	5.67	6.27	12.90	8.64	19.61	36.81	6.11	6.13	4.74	5.89	8.91	20.06	17.93	8.77	6.26	11.99	6.02	4.75	1.82	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Yield(%)	Schwab Extend… Moderate	NA	0.17	1.57	1.75	NA	NA	NA	…	…	NA	NA	NA	NA	NA	NA	NA	NA	0.17	0.41	2.86	1.63	2.34	1.83	2.69	3.72	2.33	0.00	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	0.00	1.18	1.60	1.52	2.78	3.91	3.46	…	…	0.27	1.20	1.41	1.69	1.26	1.48	2.12	2.28	1.81	2.00	2.14	1.97	1.96	2.19	2.30	1.92	1.88	2.45	1.88	1.91	1.83	1.79	1.91	1.71	1.28	1.08	0.97	2.11	1.93	2.77	2.64	3.14	3.13	3.83	3.10	5.86	3.71	4.46	4.31	2.79	3.90	4.71	4.49	5.04	5.34	4.64	5.79	0.00
	VSMGX (VANGUA…R SHARES)	0.00	5.51	6.00	4.34	4.54	4.38	4.18	…	…	0.00	5.80	7.43	4.45	2.18	4.11	3.77	2.85	2.41	2.40	2.34	2.10	2.20	2.14	2.47	2.22	2.38	2.79	2.66	3.04	2.89	2.53	3.74	2.48	2.67	2.88	6.36	5.93	7.27	3.78	3.63	3.65	2.91	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 02/28/2018, Common starting date is 12/31/2009

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 Extended Commission Free ETFs Tactical Asset Allocation Moderate	NA	53.12%	10.38%	12.76%	4.19%	NA	NA	…	…
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%	…	…

	Ticker/Portfolio	Last 1 Week	1 Yr	3 Yr	5 Yr	10 Yr	15 Yr	20 Yr	Common	Inception	YTD	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983	1982	1981	1980	1979
Annualized Return (%)	Schwab Extend… Moderate	0.01	53.12	10.38	12.76	4.19	NA	NA	…	…	NA	0.41	49.94	3.07	-14.78	19.74	14.41	5.57	-27.34	6.86	5.89	-4.91	0.75	12.24	11.59	-4.55	-1.52	0.00	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	-1.79	37.82	8.86	15.20	12.89	14.04	10.46	…	…	NA	17.72	24.84	26.12	-18.24	28.53	18.74	31.33	-4.55	21.66	11.83	1.23	13.52	32.17	15.82	1.96	14.91	26.52	-37.02	5.39	15.64	4.77	10.74	28.50	-22.17	-12.03	-9.05	21.08	28.62	33.18	22.87	37.45	1.18	10.15	8.24	32.05	-3.33	28.37	14.92	3.97	9.30	22.60	3.67	17.07	19.25	-8.55	27.89	-2.07
	VSMGX (VANGUA…R SHARES)	-1.02	22.89	2.25	6.63	6.01	7.19	6.10	…	…	NA	16.26	10.28	15.51	-16.01	10.08	13.59	19.30	-6.28	14.86	7.09	-2.21	6.38	14.73	9.78	0.12	13.14	20.35	-26.49	7.21	13.30	5.68	11.76	22.40	-10.34	-4.78	1.27	14.09	21.59	17.90	10.77	26.58	2.04	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Sharpe Ratio	Schwab Extend… Moderate	NA	1.36	0.28	0.54	0.15	NA	NA	…	…	NA	0.27	1.33	-0.14	-0.80	2.12	1.50	0.84	-1.25	1.07	0.79	-0.77	0.10	1.61	1.80	-0.41	-0.13	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	1.89	1.22	0.63	0.75	NA	NA	…	…	1.30	0.80	1.67	1.73	-0.82	2.17	0.53	2.39	-0.35	3.16	0.89	0.08	1.19	2.90	1.25	0.08	0.82	0.97	-0.92	0.14	1.22	0.24	0.88	1.63	-0.90	-0.68	-0.60	0.97	1.23	1.61	1.62	4.31	-0.19	0.90	0.57	1.91	-0.55	1.71	0.59	-0.01	0.30	1.47	-0.26	0.79	0.63	-1.30	1.17	-3.84
	VSMGX (VANGUA…R SHARES)	NA	1.70	1.15	0.38	0.62	NA	NA	…	…	1.08	1.36	0.87	1.45	-1.22	1.32	0.70	2.77	-0.87	3.75	0.83	-0.26	1.01	2.16	1.23	0.01	1.18	1.12	-0.98	0.39	1.34	0.49	1.49	2.09	-0.75	-0.59	-0.24	1.06	1.56	1.56	0.91	4.18	4.60	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Standard Deviation(%)	Schwab Extend… Moderate	NA	32.55	22.67	18.51	15.46	NA	NA	…	…	NA	1.30	32.56	8.39	20.17	9.30	9.43	4.96	22.89	5.84	7.17	6.39	7.03	7.60	6.42	11.27	12.36	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	12.22	14.87	16.92	18.13	NA	NA	…	…	13.93	18.66	12.67	13.09	24.19	13.11	34.69	12.48	17.11	6.68	13.11	15.51	11.39	11.07	12.74	23.36	18.07	27.22	40.99	16.02	10.04	10.29	11.10	17.04	25.96	21.55	22.20	18.17	20.48	18.21	11.77	7.77	9.92	8.83	9.93	14.69	16.06	13.09	17.07	33.80	16.55	11.67	12.80	13.62	18.09	14.61	16.53	23.80
	VSMGX (VANGUA…R SHARES)	NA	8.47	8.97	10.05	10.33	NA	NA	…	…	10.48	9.89	7.69	8.26	14.34	7.62	19.08	6.43	8.81	3.80	8.31	8.51	6.28	6.80	7.99	14.68	11.10	18.01	27.95	10.37	7.43	6.96	7.25	10.38	15.37	12.42	12.30	10.07	11.65	9.10	7.74	5.41	15.57	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Draw Down(%)	Schwab Extend… Moderate	NA	3.02	26.50	26.50	33.07	NA	NA	…	…	NA	0.00	3.02	5.67	26.50	4.32	6.66	2.50	33.07	2.57	6.28	10.09	7.64	7.81	4.69	12.04	10.74	0.00	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	NA	8.92	18.76	24.59	33.83	NA	NA	…	…	8.92	18.76	8.45	9.97	24.59	5.14	33.83	6.63	19.40	2.60	10.29	12.05	7.30	5.59	9.60	18.71	15.66	27.17	47.73	9.88	7.47	7.01	7.47	13.79	33.02	29.18	16.55	11.81	19.20	10.79	7.45	2.50	8.48	4.84	5.63	5.57	19.19	7.35	7.24	33.08	11.63	7.51	10.58	7.02	13.21	15.61	16.03	2.40
	VSMGX (VANGUA…R SHARES)	NA	6.64	9.62	22.29	22.43	NA	NA	…	…	6.64	9.62	4.17	8.15	21.74	3.53	22.43	3.12	11.47	1.14	6.20	8.34	4.70	5.67	6.27	12.90	8.64	19.61	36.81	6.11	6.13	4.74	5.89	8.91	20.06	17.93	8.77	6.26	11.99	6.02	4.75	1.82	1.89	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
Yield(%)	Schwab Extend… Moderate	NA	1.75	2.26	2.14	1.75	NA	NA	…	…	NA	NA	0.30	1.72	2.65	2.65	1.70	2.03	0.74	0.25	2.68	1.63	1.79	1.74	3.12	1.31	1.34	0.00	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA
	VFINX (VANGUA…R SHARES)	0.00	1.18	1.60	1.52	2.78	3.91	3.46	…	…	0.27	1.20	1.41	1.69	1.26	1.48	2.12	2.28	1.81	2.00	2.14	1.97	1.96	2.19	2.30	1.92	1.88	2.45	1.88	1.91	1.83	1.79	1.91	1.71	1.28	1.08	0.97	2.11	1.93	2.77	2.64	3.14	3.13	3.83	3.10	5.86	3.71	4.46	4.31	2.79	3.90	4.71	4.49	5.04	5.34	4.64	5.79	0.00
	VSMGX (VANGUA…R SHARES)	0.00	5.51	6.00	4.34	4.54	4.38	4.18	…	…	0.00	5.80	7.43	4.45	2.18	4.11	3.77	2.85	2.41	2.40	2.34	2.10	2.20	2.14	2.47	2.22	2.38	2.79	2.66	3.04	2.89	2.53	3.74	2.48	2.67	2.88	6.36	5.93	7.27	3.78	3.63	3.65	2.91	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA	NA

Data as of 10/31/2024, Common starting date is 12/31/2009

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