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test_Schwab OneSource Select List Funds
Investment Model Portfolios

This is an application to Charles Schwab's OneSource Select List mutual funds. These funds are  No Load and No Transaction Fee (NTF) mutual funds. Based on Schwab's policy, the no load NTF funds have 90 days redemption fee period. As of 1/1/2010, there are total  140 OneSource Select List funds avaiable from Schwab. $49.95 short term redemption fee is charged for a fund held less than 90 days.

This plan could be also used by participants who are in Schwab Personal Choice Retirement Account (PCRA) either through self-directed 401K brokerage link or self-directed IRA accounts.

Here is the detailed description on how these funds are selected by Schwab (as of 9/1/2011):

OneSource Select List

With thousands of mutual funds available, finding the right funds for your portfolio can seem more time-consuming and difficult than ever. The Mutual Fund OneSource Select List®, consisting only of OneSource funds available without a load or transaction fee, is a smart solution that can help you make confident investment decisions.

To build the OneSource Select List, Charles Schwab Investment Advisory, Inc. (CSIA) starts by analyzing the actively managed funds tracked by Morningstar using quantitative and qualitative selection criteria described below. Then, based on its analysis, CSIA builds the Mutual Fund OneSource Select List by selecting the most favorably evaluated OneSource funds, including Schwab Funds and Laudus Funds ("Schwab Affiliate Funds"), within each Morningstar category.

Eligibility Requirements

Each OneSource Select List fund must:

  • Be no-load and open to new investors at Schwab.
  • Have a minimum three-year performance track record (except funds that are listed below the "Leading Schwab Affiliate Funds" sections of the OneSource Select List. These funds are eligible if they have a minimum 12-month-performance track record under their current management and/or current investment objectives and strategy).
  • Have at least $40 million in assets (except for small-cap value, world bond, emerging market, and specialty funds, which require at least $20 million in assets). To meet this requirement, assets in multiple share classes of the same fund may be aggregated.
  • For fixed income funds, have an average portfolio credit quality consistent with the fund's category average.
  • For balanced funds, require consistent exposure to both stocks and bonds.

Selection Criteria

Actively Managed OneSource Funds, including Schwab Affiliate Funds, are evaluated by CSIA based on a quantitative analysis of risk, performance, expenses, diversification, and when meaningful, assets under management and asset flows. CSIA also may apply additional qualitative factors to its analysis to enhance its overall evaluation of a fund, including, for example, changes in a fund's investment strategy or management structure, portfolio manager tenure, whether a fund's investment style and portfolio holdings are representative of its investment category, portfolio composition and turnover rates, consistency of a fund's performance and CSIA's evaluation of the fund over time, and other risk and diversification considerations.

Leading Schwab Affiliate Funds sections of the OneSource Select List feature eligible actively-managed Schwab Affiliate Funds that generally fall into the top 35% of all CSIA evaluated funds (including OneSource and non-OneSource funds) in their respective Morningstar categories. If two or more Schwab Affiliate Funds fall within the top 35% of funds within a given Morningstar category also have similar investment styles, CSIA may determine that only the most favorably evaluated fund(s) be included in the list. Because Schwab Affiliate Funds included in the "Leading Schwab Affiliate Funds" section of the OneSource Select List are selected independently from other actively managed funds on the list, they may have received a less favorable evaluation overall than the funds listed in the "Leading 3rd Party Funds" sections of the list.

Leading 3rd Party Funds sections of the OneSource Select List feature eligible actively managed third party OneSource funds that generally fall within the top 35% of all CSIA evaluated funds within a given Morningstar category and which receive the most favorable evaluations in their respective categories. CSIA generally includes the five most favorably evaluated funds in each of the large-cap, small-cap, intermediate-term bond, municipal national intermediate and foreign large blend asset categories and the two most favorably evaluated funds in all other asset categories. If two or more of the most favorably evaluated funds within an asset category have similar investment styles, CSIA may substitute a less favorably evaluated fund for one or more of those funds to provide a more diverse selection of fund investment strategies.

The Index Fund section of the Select List features up to two index funds for each of the large-cap, small-cap, international, and taxable bond asset classes. Index funds have different selection criteria than actively managed OneSource funds. These funds are evaluated primarily on expense ratio, how well the fund tracks the category benchmark as determined by CSIA, how well the fund performs compared to its stated benchmark, and assets under management.

The third-party index fund and Schwab affiliate index fund that receives the most favorable evaluation by CSIA in each asset class is included on the Select List. If two index funds receive equal evaluations, CSIA will generally include the fund that has the lower expense ratio.

Additional Important Information

Approximately 2,100 funds participate in the Mutual Fund OneSource® service. Only these funds, including Schwab Affiliate Funds, are eligible for the OneSource Select List. Schwab receives remuneration from fund companies, and/or their affiliates, in the Mutual Fund OneSource service for record keeping, shareholder services and other administrative services. Schwab and its affiliates also receive fees from the Schwab Affiliate Funds for investment advisory and fund administration services. The aggregate fees Schwab or its affiliates receive from Schwab Affiliate Funds (see fund prospectuses for more details) are greater than the remuneration Schwab receives from other fund companies participating in Schwab's Mutual Fund OneSource service. The amount of fees Schwab or its affiliates receive from funds participating in the Mutual Fund OneSource service is not considered in the Select List selection, nor does any fund pay Schwab to be included in the Select List. Eligible funds are selected based solely on the quantitative and qualitative criteria described above.

Schwab Affiliate Funds include Schwab Funds and Laudus Funds. Schwab Funds and Laudus Funds are advised by Charles Schwab Investment Management, Inc. Schwab Funds and the Laudus MarketMasters Funds are distributed by Charles Schwab & Co., Inc. and Laudus Funds (except Laudus MarketMasters Funds) are distributed by ALPS Distributor, Inc.

Investment options of test_Schwab OneSource Select List Funds

Total Available Funds: 162
Asset Class Ticker Description
US EQUITY
LARGE GROWTH LGILX Laudus Growth Investors US Large Cap Gr
LARGE VALUE SWDSX Schwab Dividend Equity
LARGE BLEND BEQGX American Century Equity Growth Inv
LARGE BLEND PRBLX Parnassus Equity Income - Inv
LARGE GROWTH BIAGX Brown Advisory Growth Equity Instl
LARGE GROWTH GTLLX Glenmede Large Cap Growth
LARGE VALUE ARTLX Artisan Value Fund Investor Shares
MID-CAP VALUE JVAAX JPMorgan Value Advantage A
LARGE VALUE OIEIX JPMorgan Equity Income A
LARGE VALUE PQIAX Principal Equity Income A
LARGE BLEND PEOPX Dreyfus S&P 500 Index
LARGE BLEND SWPPX Schwab S&P 500 Index
SMALL BLEND SWSCX Schwab Small-Cap Equity
MID-CAP BLEND FEFAX First Eagle Fund of America A
Mid-Cap Growth JAENX Janus Enterprise T
MID-CAP VALUE ACMVX American Century Mid Cap Value Inv
SMALL BLEND HDPSX Hodges Small Cap
SMALL VALUE NSCAX Nuveen NWQ Small Cap Value A
Small Growth PPCAX PNC Small Cap A
Small Growth SASMX Legg Mason ClearBridge Small Cap Gr A
SMALL BLEND DISSX Dreyfus Small Cap Stock Index
LARGE GROWTH ARTRX Artisan Growth Opportunities Inv
SMALL BLEND ARSVX ASTON/River Road Small Cap Value N
Small Growth BSCFX Baron Small Cap Retail
SMALL VALUE DHSCX Diamond Hill Small Cap A
SMALL VALUE KDSAX DWS Dreman Small Cap Value A
SMALL BLEND GABSX Gabelli Small Cap Growth AAA
LARGE BLEND GTLOX Glenmede Large Cap 100
SMALL BLEND HHBUX Hancock Horizon Burkenroad Small Cap A
Small Growth HGASX HighMark Geneva Small Cap Gr A
LARGE BLEND ICBMX ICON Materials S
LARGE GROWTH JDRTX INTECH U.S. Growth T
LARGE VALUE JRSTX INTECH U.S. Value T
LARGE BLEND JSVAX Janus Contrarian T
LARGE GROWTH JAMRX Janus Research T
LARGE GROWTH MSEGX Morgan Stanley Institutional Growth P
Small Growth UMBHX Scout Small Cap
SMALL VALUE SKSEX Skyline Special Equities
Mid-Cap Growth TCMGX TIAA-CREF Mid-Cap Growth Retail
MID-CAP VALUE TCMVX TIAA-CREF Mid-Cap Value Retail
Mid-Cap Growth TMCTX Touchstone Mid Cap Z
SMALL VALUE TVOAX Touchstone Small Cap Value A
LARGE VALUE YAFFX Yacktman Focused
Emerging Market
DIVERSIFIED EMERGING MKTS LEMSX Laudus Mondrian Emerging Markets Select
China Region MCHFX Matthews China Investor
DIVERSIFIED EMERGING MKTS AEMGX Acadian Emerging Markets Instl
DIVERSIFIED EMERGING MKTS HLEMX Harding Loevner Emerging Markets Advisor
Latin America Stock JLTAX JPMorgan Latin America A
DIVERSIFIED EMERGING MKTS SSEMX SSgA Emerging Markets Instl
China Region MCDFX Matthews China Dividend Investor
INTERNATIONAL EQUITY
Foreign Large Blend SICNX Schwab International Core Equity
DIVERSIFIED PACIFIC/ASIA MPACX Matthews Asia Growth Investor
Foreign Large Blend ARTIX Artisan International Inv
Foreign Large Blend HIINX Harbor International Inv
Foreign Large Blend LISOX Lazard Intl Strategic Equity Open
Foreign Large Blend OAKIX Oakmark International I
Foreign Large Growth HLMNX Harding Loevner International Eq Inv
Foreign Large Growth UMBWX Scout International
Foreign Large Value IVFAX Federated Intl Strategic Val Dividend A
JAPAN STOCK MJFOX Matthews Japan Investor
PACIFIC/ASIA EX-JAPAN STK MACSX Matthews Asian Growth & Inc Investor
PACIFIC/ASIA EX-JAPAN STK MAPTX Matthews Pacific Tiger Investor
WORLD STOCK JGVAX Perkins Global Value T
Foreign Large Blend SWISX Schwab International Index
Foreign Large Value BIIEX Brandes International Equity I
Foreign Large Blend DIISX Dreyfus Intl Stock Index
Foreign Large Growth SWMIX Laudus International MarketMasters Sel
Foreign Large Value LIEFX Laudus Mondrian Intl Equity Select
Foreign Large Value EXITX Manning & Napier International S
FOREIGN SMALL/MID GROWTH WAIGX Wasatch International Growth
DIVERSIFIED PACIFIC/ASIA SASPX Wells Fargo Advantage Asia Pacific Inv
Others
Financial SWFFX Schwab Financial Services
Health SWHFX Schwab Health Care
Equity Energy ICENX ICON Energy S
EQUITY PRECIOUS METALS SGGDX First Eagle Gold A
Financial BURKX Burnham Financial Services A
Health JAGLX Janus Global Life Sciences T
Health SHSAX BlackRock Health Sciences Opps Inv A
Technology JAGTX Janus Global Technology T
Moderate Allocation SWOBX Schwab Balanced
Retirement Income SWJRX Schwab Monthly Income Mod Payout
Retirement Income SWKRX Schwab Monthly Income Enh Payout
Retirement Income SWLRX Schwab Monthly Income Max Payout
Target Date 2011-2015 SWGRX Schwab Target 2015
Target Date 2016-2020 SWCRX Schwab Target 2020
Target Date 2021-2025 SWHRX Schwab Target 2025
Target Date 2026-2030 SWDRX Schwab Target 2030
Target Date 2031-2035 SWIRX Schwab Target 2035
Target Date 2036-2040 SWERX Schwab Target 2040
Aggressive Allocation AOGIX American Century One Choice Agrsv Inv
Aggressive Allocation VLAAX Value Line Asset Allocation
Conservative Allocation AONIX American Century One Choice Vry CnsrvInv
Conservative Allocation JNBAX JPMorgan Income Builder A
Market Neutral MERFX Merger
Moderate Allocation BUFBX Buffalo Flexible Income
Target Date 2011-2015 ARFIX American Century LIVESTRONG 2015 Inv
Target Date 2016-2020 ARBVX American Century LIVESTRONG 2020 Inv
Target Date 2021-2025 ARWIX American Century LIVESTRONG 2025 Inv
Target Date 2026-2030 ARCVX American Century LIVESTRONG 2030 Inv
Target Date 2031-2035 ARYIX American Century LIVESTRONG 2035 Inv
Target Date 2036-2040 ARDVX American Century LIVESTRONG 2040 Inv
Target Date 2041-2045 AROIX American Century LIVESTRONG 2045 Inv
Target Date 2046-2050 ARFVX American Century LIVESTRONG 2050 Inv
Target Date 2046-2050 JTSAX JPMorgan SmartRetirement 2050 A
World Allocation SGENX First Eagle Global A
EQUITY PRECIOUS METALS BGEIX American Century Global Gold Inv
World Allocation MDLOX BlackRock Global Allocation Inv A
Long/Short Equity DIAMX Diamond Hill Long-Short A
Natural Resources DNLAX Dreyfus Natural Resources A
Moderate Allocation OAKBX Oakmark Equity & Income I
Equity Energy MLPFX SteelPath MLP Select 40 A
Retirement Income PRLDX PIMCO Real Income 2019 D
Retirement Income PORDX PIMCO Real Income 2029 D
Convertibles PCONX Putnam Convertible Securities A
Technology ROGSX Red Oak Technology Select
Financial RYFSX Royce Financial Services Svc
Long/Short Equity FMLSX Wasatch Long/Short
FIXED INCOME
Bank Loan SAMBX RidgeWorth Seix Floating RT High Inc I
High Yield Bond TIYRX TIAA-CREF High-Yield Retail
Inflation-Protected Bond ACITX American Century Infl-Adj Bond Inv
Intermediate Government BGNMX American Century Ginnie Mae Inv
Intermediate Government CPTNX American Century Government Bond Inv
Intermediate-Term Bond BCOSX Baird Core Plus Bond Inv
Intermediate-Term Bond MWTRX Metropolitan West Total Return Bond M
Intermediate-Term Bond PTTDX PIMCO Total Return D
Intermediate-Term Bond SAMFX RidgeWorth Total Return Bond I
Multisector Bond PONDX PIMCO Income D
Short-Term Bond FSTIX Federated Short-Term Income Instl
ULTRASHORT BOND PSHDX PIMCO Short-Term D
ULTRASHORT BOND SIGVX RidgeWorth US Gov Sec Ultra-Short Bd I
WORLD BOND PFBDX PIMCO Foreign Bond (Unhedged) D
WORLD BOND PGBDX PIMCO Global Bond (Unhedged) D
Intermediate-Term Bond SWLBX Schwab Total Bond Market
Muni National Interm SWNTX Schwab Tax-Free Bond
High Yield Muni ABHYX American Century High-Yield Muni Inv
High Yield Muni STXAX Legg Mason WA Muni High Income A
Muni National Interm BMBSX Baird Intermediate Muni Bd Inv
Muni National Interm MITFX BMO Intermediate Tax-Free Y
Muni National Interm TWTIX American Century IntermTrm Tx-Fr Bd Inv
Muni National Long ACLVX American Century Long-Term Tax-Free Inv
Muni National Long NOTEX Northern Tax-Exempt
Muni National Short FSHIX Federated Shrt-Interm Dur Muni Instl
Muni National Short STSMX Wells Fargo Advantage S/T Muni Bd Inv
Short-Term Bond MWLDX Metropolitan West Low Duration Bond M
Multisector Bond LSBRX Loomis Sayles Bond Retail
Muni National Long SXFIX Wells Fargo Advantage Municipal Bond Inv
Intermediate-Term Bond DLTNX DoubleLine Total Return Bond N
Bank Loan EAFAX Eaton Vance Floating-Rate Advantage A
SHORT GOVERNMENT FEUGX Federated Adjustable Rate Secs Instl
SHORT GOVERNMENT FIGTX Federated US Govt 2-5 Yr Instl
Muni National Interm NMBAX Nuveen Interm Duration Muni Bond A
Multisector Bond PDINX Putnam Diversified Income A
High Yield Bond SAMHX RidgeWorth Seix High Yield I
Intermediate-Term Bond SWIIX Schwab Premier Income
Emerging Markets Bond TGINX TCW Emerging Markets Income N
Muni National Interm SIMBX Wells Fargo Advantage Interm T/AmtF Inv
COMMODITIES
COMMODITIES BROAD BASKET PCRDX PIMCO Commodity Real Ret Strat D
COMMODITIES BROAD BASKET GSCAX Goldman Sachs Commodity Strategy A
REAL ESTATE
REAL ESTATE RRRAX DWS RREEF Real Estate Securities A
REAL ESTATE MNREX Manning & Napier Real Estate Series
Global Real Estate NMMGX Northern Multi-Manager Glbl Real Estate
Global Real Estate TVRVX Third Avenue Real Estate Value Investor

Investment model portfolios

We provide two types of investment model portfolios for test_Schwab OneSource Select List Funds 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 Inception
test_Schwab OneSource Select List Funds Strategic Asset Allocation - Optimal Moderate NA 6.40% -23.79% -13.99% -3.60% -0.57% 2.33% 2.83%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) NA 15.78% 10.45% 11.06% 12.65% 10.87% 9.74% 7.88%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) NA 7.92% 2.88% 4.55% 5.86% 5.57% 6.03% 5.35%
Data as of 08/31/2023, AR inception 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 Inception
test_Schwab OneSource Select List Funds Tactical Asset Allocation Moderate NA 25.03% 20.46% 13.67% 8.84% 8.47% 9.67% 9.95%
VFINX (VANGUARD 500 INDEX FUND INVESTOR SHARES) NA 41.01% 22.56% 18.86% 16.10% 10.53% 9.57% 8.67%
VSMGX (VANGUARD LIFESTRATEGY MODERATE GROWTH FUND INVESTOR SHARES) NA 20.40% 12.93% 10.08% 8.32% 6.23% 6.71% 6.32%
Data as of 10/29/2021, AR inception is 12/31/2000