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شواب | أساليب الاستثمار الحديثة & أمبير؛ 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شواب | أساليب الاستثمار الحديثة & أمبير؛ 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Investonyourown,tradewiththinkorswim®,andgetfull-servicewealthmanementallinoneplace. Openanaccount Investyourway Schwabofferscompetitiveyieldsonmoneymarketfunds.ExploreyieldsnowYoudeservemore.Wecanhelp.Transparentpricingandlowcosts.SeeallourfeesHowyouworkwithusisyourchoice.Choosewhat039;srightforyouYoursatisfactionisguaranteedandyoursecurityisourpriority.SatisfactionGuaranteeSecurityGuaranteeHowweworktogetherisuptoyou. Maneyourowninvestmentswithease. Accessafullrangeoftools,resources,andexpertisetoinvestthewayyouwant. Learnmoreaboutself-directedinvesting Superchargeyourtradingexperience. Getthebestintrading—award-winningplatforms,tailorededucation,andspecializedsupport. Learnmoreaboutactivetrading Getajumpstartwithautomatedinvesting. SchwabIntelligentPortfolios®builds,monitors,andautomaticallyrebalancesaportfoliobasedonyourgoals. Learnmoreaboutautomatedinvesting Chooseprofessionalwealthmanement. 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Ameritrade,nowpartofCharlesSchwab #1forSatisfactionamongdo-it-yourselfinvestorsTDAmeritrade,Inc.("Ameritrade")MemberSIPC,asubsidiaryofTheCharlesSchwabCorporation("CharlesSchwab"),receivedthehighestscoreinthedo-it-yourselfsegmentoftheJ.D.Power2024U.S.Self-DirectedInvestorSatisfactionStudyofinvestors'satisfactionwithself-directedinvestmentfirms.Itisindependentlyconducted,andtheparticipatingfirmsdonotpaytoparticipate.Useofstudyresultsinpromotionalmaterialsissubjecttoalicensefee.Visitjdpower.com/awardsformoredetails. Importantinformationaboutourrelationshipwithyou:ClientRelationshipSummaries OurClientRelationshipSummariesofferabriefsummaryofourservices,fees,andobligationswhenweworkwithyouinabroker-dealeroraninvestmentadvisoryrelationship. Learnmoreatschwab.com/transparency > Weencoureyourquestions. Hereareanswerstosometopquestionsfrominvestorslikeyou: WhatistheSchwabSecurityGuarantee? UndertheSchwabSecurityGuarantee,SchwabwillcoverlossesinanyofyourSchwabaccountsduetounauthorizedactivity.ReadmoreatSchwab.com/guarantee.  HowmuchdoesitcosttoworkwithSchwab? $0onlinelistedstock,option, andETFtradecommissions1,2Thousandsofnon-load,no-transaction-feemutualfunds3NochargetoworkwithaSchwabFinancialConsultant(otheraccountfees,fundexpenses,andbrokerecommissionsmayapply)*SeeallourpricingTherearecertaineligibilityrequirementsforworkingwithadedicatedFinancialConsultant.1.Standardonline$0commissiondoesnotapplytoover-the-counter(OTC)equities,transaction-feemutualfunds,futures,fixed-incomeinvestments,ortradesplaceddirectlyonaforeignexchangeorintheCanadianmarket.Optionstradeswillbesubjecttothestandard$0.65per-contractfee.Servicechargesapplyfortradesplacedthroughabroker($25)orbyautomatedphone($5).Exchangeprocess,ADR,andStockBorrowfeesstillapply. SeetheCharlesSchwabPricingGuide forIndividualInvestorsforfullfeeandcommissionschedules.2.ETFsatCharlesSchwab&Co.,Inc.("Schwab")whichareU.S.exchange-listedcanbetradedwithoutacommissiononbuyandselltransactionsmadeonlineinaSchwabaccount.UnlistedETFsaresubjecttoacommission.Pleaseseepricingguideforadditionalinformation.SchwabdoesnotreceivepaymenttopromoteanyparticularETFtoitscustomers.Schwab'saffiliateCharlesSchwabInvestmentManement,Inc.("CSIM")servesasinvestmentadvisortotheSchwabETFs,whichcompensateCSIMoutoftheapplicableoperatingexpenseratios.TheamountofthefeesisdisclosedintheprospectusofeachETF.3.TradesinnoloadfundsailablethroughSchwab'sMutualFundOneSource®service(includingSchwabFunds),aswellascertainotherfunds,areailablewithouttransactionfeeswhenplacedthroughschwab.comorourautomatedphonechannels.Foreachofthesetradeordersplacedthroughabroker,a$25servicechargeapplies.Schwab'sshort-termredemptionfeeof$49.95willbechargedonredemptionoffundspurchasedthroughMutualFundOneSource®serviceandheldfor90daysorless.Schwabreservestherighttochangethefundswemakeailablewithouttransactionfeesandtoreinstatefeesonanyfunds.CharlesSchwab&Co.,Inc.receivesremunerationfromfundcompaniesparticipatingintheMutualFundOneSourceserviceforrecordkeepingandshareholderservicesandotheradministrativeservices.Schwabalsomayreceiveremunerationfromtransactionfeefundcompaniesforcertainadministrativeservices. Therearenofeestoopenormaintainyouraccount.Otheraccountfees,fundexpenses,andbrokerecommissionsmayapply. HowdoIopenanaccount? Youcanopenanaccountonline,byphone,orinoneofover300branches.Clickheretoopenanaccountonlineinabout10minutes.Chooseyouraccounttype.Completeanapplication.Getstartedfundingandinvesting.Orcallusatorfindabranch. WhatkindofinvestmentproductsdoesSchwaboffer? Schwab offersawideselectionofinvestmentproductstohelpyoubuildadiversifiedportfolioandreachyourgoals.  Howeasyisittoswitchbrokereproviders? Movingyourexistingaccounttoanewbrokerefirmmayseemdaunting,butSchwabmakestheprocesseasy:OpenaSchwabaccount.Useouronlineaccounttransfertooltoinitiatetheprocessandmonitorprogress.ViewandaccessyourassetsinyourSchwabaccount.Needhelp?Ouraccounttransferspecialistscanassistyoueverystepoftheway.Callusat.ClickheretoopenaSchwabaccountorlogintobeginthetransferprocess. WhyshouldIbankwithSchwabBank? SchwabBankInvestorChecking™isthecheckingaccountbuiltforinvestorslikeyou.ItisconvenientlylinkedtoaSchwabOne®Brokereaccountsoyougetallthefeaturesofouraward-winningcheckingaccountpluscashmanementsolutionsdesignedforinvestorslikeyou—seamlesslyinoneplace,withonelogin,onlyfromSchwab.1Enjoyfeaturesdesignedespeciallyforinvestors:Quicklymovemoney:movecashbetweenbrokereandcheckingaccountsinsecondsandaccessitinstantlyfortradingandinvesting2ManebothcheckingandinvestingwithasingleloginPlus,getaward-winningcheckingaccountbenefits:Nofeesorminimums:UnlimitedATMfeerebatesforcashwithdrawalsworldwide.3Plus,nomonthlyservicefees,4accountminimums,foreigntransactionfees,3oroverdraftfees.Knowyourmoneyissecure:Keepyourmoneysafewithfeatureslikefraudalertsandtrelnotifications,plusFDICinsuranceonupto$250,000perdepositor.5 Access24/7assistancefromdedicatedteamsReceivefreestandardchecksonceyouraccountisfundedwithatleast$100,andSchwabBankBillPay™willbeactivatedandaVisa®PlatinumDebitCardwillbesentuponaccountfunding.OpenaSchwabBankInvestorCheckingaccounttoday. 1.TheSchwabBankInvestorChecking™accountisailableonlyasalinkedaccountwithaSchwabOne®brokereaccount.TheSchwabOnebrokereaccounthasnominimumbalancerequirements,nominimumbalancecharges,andnominimumtraderequirements,andthereisnorequirementtofundthisaccountwhenopenedwithalinkedInvestorCheckingaccount. 2.Ingeneral,cashmovedfromyourbrokereaccountisailableinseconds;however,duringweekendandafterhours,itmaynotbeailableuntilthenextbusinessday.3.UnlimitedATMfeerebatesapplytocashwithdrawalsusingtheSchwabBankVisa®PlatinumDebitCardwhereveritisaccepted.ATMfeerebatesdonotincludeanyfeesimposedbymerchantsorATMoperatorsforPOStransactions,orfeesforstamppurchases,balanceinquiries,non-localATMcurrencywithdrawalfees(referredtoasdynamiccurrencyconversionfees),oranyothertransactionotherthananATMcashwithdrawalinlocalcurrencyfromyourSchwabBankaccount.SchwabBankmakesitsbestefforttoidentifythoseATMfeeseligibleforrebatebasedoninformationitreceivesfromVisaandATMoperators.Intheeventthatyouhenotreceivedarebateforafeethatyoubelieveiseligible,pleasecallaSchwabBankClientServiceSpecialistforassistanceat(orforclientsofindependentinvestmentadvisors,aSchwabAllianceServiceteamMemberat).SchwabBankreservestherighttomodifyordiscontinuetheATMsurchargerebateatanytime.IfyouuseyourCardtowithdrawforeigncurrencyfromanATMortopayforapurchasewithforeigncurrencySchwabBankchargesyouraccountfortheU.S.dollarequivalentofthetransaction.Dependingonthespecificarrangementsthatareinplace,theexchangerateandcalculationoftheU.S.dollarequivalentwillbedonebythebankatwhichyouconductthetransaction,thenetworktowhichtheATMbelongs,orVisa.Thebankornetworkmayalsochargeafee.SchwabBankdoesnotassessforeigntransactionfees(i.e.,afeetoconvertU.S.dollarstolocalcurrency)todebitcardholders.SeetheSchwabBankVisaDebitCardreementfordetails.4.SchwabBank'sInvestorCheckingaccounthasnoaccountmaintenanceoractivityfees.Feesmaybeassessedforadditionalservicessuchascustomcheckorders,outgoingwires,orrushdelivery.ReviewSchwabBank'sfullDepositAccountPricingGuideorcontactSchwabBankat.SchwabBankreservestherighttoamendthesetermsatanytime.5.FundsdepositedatCharlesSchwabBank,SSB,areinsured,ingregate,upto$250,000basedonaccountownershiptypebytheFederalDepositInsuranceCorporation(FDIC).   Hemorequestions?We'reheretohelp. CallChatGetliveonlineassistance24/7VisitFindabranchnearyouOthersitesforadvisors,investmentprofessionals,andemployers:AdvisorsGetinformationaboutgoingindependentwithSchwabAdvisorServices™ orbecominganindependentfranchiseownerthroughSchwabFranchise.InvestmentprofessionalsGetinformationaboutSchwabFunds®andSchwabETFs™fromCharlesSchwabInvestmentManement,Inc.EmployersGetinformationaboutWorkplaceFinancialServices.CheckthebackgroundofCharlesSchwaboroneofitsinvestmentprofessionalsusing FINRA'sBrokerCheck.footerlinksForClientsDigitalPlatformsSchwabMobileAppIndependentBranchSchwabFranchiseAboutSchwabCorporateInformationSchwabCareersSchwabCommunityServiceInternationalHongKong,ChinaLondon,UKOtherregionsMultilingualServices中文Contactus   QuoteShowIndicesSymbolLookupPleasereadtheSchwabIntelligentPortfoliosSolutions™disclosurebrochuresforimportantinformation,pricing,anddisclosuresrelatedtotheSchwabIntelligentPortfoliosandSchwabIntelligentPortfoliosPremiumprograms.SchwabIntelligentPortfolios®andSchwabIntelligentPortfoliosPremium®aremadeailablethroughCharlesSchwab&Co.Inc.("Schwab"),aduallyregisteredinvestmentadvisorandbrokerdealer.PortfoliomanementservicesareprovidedbyCharlesSchwabInvestmentManement,Inc.("CSIM").SchwabandCSIMaresubsidiariesofTheCharlesSchwabCorporation.ThereisnoadvisoryfeeorcommissionschargedforSchwabIntelligentPortfolios.ForSchwabIntelligentPortfoliosPremium,thereisaninitialplanningfeeof$300uponenrollmentanda$30-per-monthadvisoryfeechargedonaquarterlybasisasdetailedintheSchwabIntelligentPortfoliosSolutions™disclosurebrochures.InvestorsinSchwabIntelligentPortfoliosandSchwabIntelligentPortfoliosPremium(collectively,"SchwabIntelligentPortfoliosSolutions")dopaydirectandindirectcosts.TheseincludeETFoperatingexpenseswhicharethemanementandotherfeestheunderlyingETFschargeallshareholders.SchwabdoesnotchargeanadvisoryfeefortheSIPPrograminpartbecauseoftherevenueSchwabBankgeneratesfromthecashallocation(anindirectcostoftheProgram).TheportfoliosincludeacashallocationtoFDIC‐insuredDepositAccountsatCharlesSchwabBank,SSB("SchwabBank").SchwabBankearnsincomeonthedeposits,andearnsmorethelargerthecashallocation.ThelowertheinterestrateSchwabBankpaysonthecash,thelowertheyield.SomecashalternativesoutsideofSchwabIntelligentPortfoliosSolutionspayahigheryield.SchwabIntelligentPortfoliosSolutionsinvestsinSchwabETFs.ASchwabaffiliate,CharlesSchwabInvestmentManementInc.,receivesmanementfeesonthoseETFs.SchwabIntelligentPortfoliosSolutionsalsoinvestsinthird-partyETFs.SchwabreceivescompensationfromsomeofthoseETFsforprovidingshareholderservices,andalsofrommarketcenterswhereETFtradeordersareroutedforexecution.Feesandexpenseswilllowerperformance,andinvestorsshouldconsiderallprogramrequirementsandcostsbeforeinvesting.Expensesandtheirimpactonperformance,conflictsofinterest,andcompensationthatSchwabanditsaffiliatesreceivearedetailedintheSchwabIntelligentPortfoliosSolutionsdisclosurebrochures.Thisadvertising,andfranchisesalesinformationwithinit,isnotintendedasanoffertosell,orthesolicitationofanoffertobuy,afranchise.Itisforinformationalpurposesonly.Currently,onlythefollowingstatesregulatetheofferandsaleoffranchises:California,Hawaii,Illinois,Indiana,Maryland,Michigan,Minnesota,NewYork,NorthDakota,Oregon,RhodeIsland,SouthDakota,Virginia,Washington,andWisconsin.Ifyouarearesidentofoneofthesestates,orifyouwishtooperateafranchiseinoneofthesestates,wewillnotofferyouafranchiseunlessanduntilwehecompliedwithanyapplicablepre-saleregistrationanddisclosurerequirementsinthatstate.CharlesSchwab&Co.,Inc.,3000SchwabWayWestlake,TX-8104MNFranchiseRegistrationNumber:F-6699SchwabAssetManement®isthedbanameforCharlesSchwabInvestmentManement,Inc.(CSIM),theinvestmentadviserforSchwabFundsandSchwabETFs.SchwabFundsaredistributedbyCharlesSchwab&Co.,Inc.(Schwab)MemberSIPC.SchwabETFsaredistributedbySEIInvestmentsDistributionCo.(SIDCO).CSIMandSchwabareseparatebutaffiliatedcompaniesandsubsidiariesofTheCharlesSchwabCorporation,andarenotaffiliatedwithSIDCO.Investorsshouldconsidercarefullyinformationcontainedintheprospectus,orifailable,thesummaryprospectus,includinginvestmentobjectives,risks,chargesandexpenses.Youcanobtainaprospectus,orifailable,asummaryprospectusbyvisiting/prospectus.Pleasereaditcarefullybeforeinvesting.Investmentreturnswillfluctuateandaresubjecttomarketvolatility,sothataninvestor'sshares,whenredeemedorsold,maybeworthmoreorlessthantheiroriginalcost.Unlikemutualfunds,sharesofETFsarenotindividuallyredeemabledirectlywiththeETF.SharesofETFsareboughtandsoldatmarketprice,whichmaybehigherorlowerthanthenetassetvalue(N).Fixedincomesecuritiesaresubjecttoincreasedlossofprincipalduringperiodsofrisinginterestrates.Fixedincomeinvestmentsaresubjecttovariousotherrisksincludingchangesincreditquality,marketvaluations,liquidity,prepayments,earlyredemption,corporateevents,taxramifications,andotherfactors.SchwabUltra-ShortIncomeETFisanactivelymanedexchange-tradedfundandthereforedoesnotseektoreplicatetheperformanceofanyspecificindex.Thefundmayheahigherdegreeofportfolioturnoverthanfundsthatseektoreplicatetheperformanceofanindex.SchwabUltra-ShortIncomeETFisnotamoneymarketfundanddoesnotseektomaintainastablenetassetvalueof$1.00pershare.Thefundisnotsubjecttothestrictrulesthatgovernthediversity,quality,maturity,liquidityandotherfeaturesofsecuritiesthatmoneymarketfundsmaypurchasedesignedtoenablemoneymarketfundstomaintainastablesharepriceandtolimitinvestmentrisk.Undernormalcircumstances,thefund’sinvestmentsmaybemoresusceptiblethanamoneymarketfundistocreditrisk,interestraterisk,valuationriskandotherrisksrelevanttothefund’sinvestments.Thefunddoesnotseektomaintainastablenetassetvalueof$1.00pershare.Therefore,thefund’snetassetvaluepershareandmarketvaluewillfluctuate,andthesefluctuationsmaybesignificantoncertaindays.Therecanbenoguaranteethatthefundwillgeneratehigherreturnsthanmoneymarketfunds.Inaddition,thefunddoesnotqualifyforcertaintaxreliefaffordedtomoneymarketfundsbytheU.S.Treasury.Anactively-manedfundissubjecttotheriskthatitsinvestmentadviserand/orsubadviserwillselectinvestmentsorallocateassetsinamannerthatcouldcausethefundtounderperformorotherwisenotmeetitsinvestmentobjective.ThefundmayinvestinU.S.-registered,dollar-denominatedbondsofnon-U.S.corporations.Thefund'sinvestmentsinbondsofnon-U.S.issuersmayinvolvecertainrisksthataregreaterthanthoseassociatedwithinvestmentsinsecuritiesofU.S.issuers.Theseincluderisksofadversechangesinforeigneconomic,political,regulatoryandotherconditions;theimpositionofeconomicsanctionsorothergovernmentrestrictions;differingaccounting,auditing,financialreportingandlegalstandardsandpractices;differingsecuritiesmarketstructures;andhighertransactioncosts.Theserisksmaybeheightenedinconnectionwithbondsissuedbynon-U.S.corporationsandentitiesinemergingmarkets.SchwabAssetManement®isthedbanameforCharlesSchwabInvestmentManement,Inc.,theinvestmentadviserforSchwabETFs.SchwabETFsaredistributedbySEIInvestmentsDistributionCo.(SIDCO).SchwabAssetManementisaseparatebutaffiliatedcompanyandsubsidiaryofTheCharlesSchwabCorporationandisnotaffiliatedwithSIDCO.*SchwabNetworkisbroughttoyoubyCharlesSchwabMediaProductionsCompany("CSMPC").CSMPCandCharlesSchwab&Co.,Inc.areseparatebutaffiliatedsubsidiariesofTheCharlesSchwabCorporation.CSMPCisnotafinancialadvisor,registeredinvestmentadvisor,broker-dealer,orfuturescommissionsmerchant.TheSchwabCenterforFinancialResearchisadivisionofCharlesSchwab&Co.,Inc.(0324-PMGP),(0324-KHFG),(0224-KR6H),(0424-XARJ),(0524-15HB),(0524-Y65A),(0224-K58D).sch-external-link-right::after,[class^="sch-"].sch-external-link-right::after,[class*="sch-"].sch-external-link-right::after,pa[target="_blank"]::after,.field--name-bodylia[target="_blank"]::after{display:inline-block!important;}#schwab_branch_locator.branch_locator_text_container.branch_locator--link{display:none;}#schwab_branch_locator.branch_locator_text_container.branch-messe{display:block;}#schwab_branch_locator{margin:8px0;}document.addEventListener('DOMContentLoaded',function(){document.querySelectorAll(".schfx-marqueeh2").forEach(function(h2){consth1=document.createElement('h1');h1.innerHTML=h2.innerHTML;Array.from(h2.attributes).forEach(function(attr){h1.setAttribute(attr.nodeName,attr.nodeValue)});h2.parentNode.replaceChild(h1,h2);})});document.addEventListener("DOMContentLoaded",function(){if(document.location.hostname.indexOf('-pce')!==-1){document.getElementById('cobrowsescript').setAttribute('src','/cobrowse/CobrowseJS.ashx?group=&site=sting');document.getElementById('cobrowsescript').setAttribute('data-site','sting');}else{document.getElementById('cobrowsescript').setAttribute('src','/cobrowse/CobrowseJS.ashx?group=&site=production');document.getElementById('cobrowsescript').setAttribute('data-site','production');}});if(document.querySelector('.marquee-grid-container--full-ime')){document.querySelector('.marquee-grid-container--full-ime').classList.add('bcn-marquee--full-ime');}.bcn-marquee--full-ime{margin:0;max-width:100%;}.bcn-marquee--full-ime.bcn-marquee-text-container{max-width:1280px;margin-right:auto;margin-left:auto;}@media(max-width:767px){.bcn-marquee--full-ime.bcn-marquee-text-container{padding:12px16px;}}li#advice_spotlight{display:none;}.meganvpsr-main__menua[href="/open-an-account"]{display:none;}@media(min-width:1025px){.meganvpsr-main__menu__l1__submenu>li{min-width:initial;}.meganvpsr-main__menu__l1__submenuli>a:nth-child(1) {max-width:350px;}.meganvpsr-main__menu__l1__submenu__forcedCol>li>a{min-width:max-content;}a#TransferringAccounts {min-width:max-content;} 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