401(k) Specialist Issue 3 - 2020 - Cover2

Schwab Target Date Funds-a future nestled in investor behavior.
What a welcome alternative.
Too many firms take a hands-off approach to managing retirement funds. Not us. Not only are we proud to
offer some of the lowest-cost target date funds available with no minimums, but we also use a behavioral approach
to managing risk when it matters most: near and throughout retirement.
schwabfunds.com/welcome-retirement
Investors should consider carefully information contained in the prospectus or, if available, the summary prospectus, including investment
objectives, risks, charges, and expenses. You can obtain a prospectus or, if available, a summary prospectus by visiting schwabfunds.com.
Please read carefully before investing.
The Schwab Target Date 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, which represents an
approximate date when investors may plan to begin withdrawing from the fund. There is no guarantee the funds will provide adequate income at or through
retirement. Target Date Fund asset allocations are subject to change over time in accordance with each fund's prospectus. Charles Schwab Investment
Management, Inc. (CSIM), the investment advisor for Schwab Funds, and Charles Schwab & Co., Inc. (Schwab), Member SIPC, the distributor for Schwab
Funds, are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. (0820-0HXU)

http://www.schwabfunds.com/welcome-retirement http://www.schwabfunds.com

401(k) Specialist Issue 3 - 2020

Table of Contents for the Digital Edition of 401(k) Specialist Issue 3 - 2020

Table of Contents
401(k) Specialist Issue 3 - 2020 - Cover1
401(k) Specialist Issue 3 - 2020 - Table of Contents
401(k) Specialist Issue 3 - 2020 - 1
401(k) Specialist Issue 3 - 2020 - 2
401(k) Specialist Issue 3 - 2020 - 3
401(k) Specialist Issue 3 - 2020 - 4
401(k) Specialist Issue 3 - 2020 - 5
401(k) Specialist Issue 3 - 2020 - 6
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401(k) Specialist Issue 3 - 2020 - Cover3
401(k) Specialist Issue 3 - 2020 - Cover4
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