r/Schwab

I currently buy and hold stocks and ETFs.
I just found out about Schwab equity ratings and thought of referring to that for any company that I plan to buy and wanted to check if those ratings can be trusted. Are you all making your decisions based on those ratings and info?

Smart investors of Reddit. Just give me what to invest in and how much monthly. I don’t understand this stuff. Thanks in advance.

So Ive instituted an OA Block on my account in an effort to prevent an Ilegal ACATS transfer. I am shocked at the lack of professionalism Schwab has with protecting customers. Immediately after implementation, I wanted to test the system and was told by the rep that I failed the securty test and would have to go to the nearest Schwab office or send them a bunch of notarized documents. Only after talking to a Supervisor was I able to resolve this. I have to say that I have accounts with other brokers and Schwab is in the stone age. I may transfer all my funds to Fidelty.

Im a 19 year old college student with a very high risk tolerance and long time horizon. Any advice for my 2026 plan would be greatly appreciated:

50% VTI
20% VXUS
20% AVUV
10% AVDV

• $14,500 in Roth IRA.
• $10,000 in my taxable brokerage.
• Schwab only ETFs/Funds.

I will be maxing out my Roth every year and invest at least $10,000 a year in my taxable.

Please create me a portfolio for a 40+ year timeframe. I want to be aggressive (US only), set it and forget. Volatility is not a concern for me.

I’m thinking 100% SWPPX, maybe even SWLGX, in my Roth IRA, and 100% SCHG in my taxable. I really believe in large-cap/tech dominating our future.

Please let me know what you guys would do in my position.

Hi everyone! So, as the title says, I’m 24, going on 25 this year, and expecting to start my full-time career in the next 6 months or so. I have a Roth IRA with not much in it (I started it while I was a broke undergraduate student), but I am looking toward the future.

Currently, about 7% of my portfolio is in SCHD, 30% in SWYOX (target date fund for 2065), and 63% in SWPPX.

I know, at my age, most people are going to say that overall long-term growth is better than things like dividend funds and so on, so I’m not really looking for a comment on that discussion. That said, I do like having some dividend income from SCHD that builds nicely, so I don’t mind keeping it in the 5% - 7% range for now.

My main question is about the target-date funds vs. the S&P index funds. I know target-date funds tend to be a tad more expensive in exchange for the convenience it brings as you get older and so on. I’m just looking for your guys’ opinion on something for someone my age:

Do I go more “all in” on one or the other? Do I keep both? What percentage of my portfolio for each fund would you guys recommend, and why?

Thanks in advance, looking forward to your feedback.

Hello friends,
I sold some LEAP cash covered puts, they’re out of the money and I don’t expect them to be exercised in the near future, but I was wondering what exactly happens if they are exercised, because the “cash” I’m using to cover is SWVXX (Schwab money market account). The logic being if they go unexercised for the next couple of years, at least I’ll be earning some interest on the capital I could have deployed elsewhere, and if they were exercised I’d acquire the underlying stock at a discount to the strike price.

if my cash covered puts are exercised will my cash equivalent be sold (being SWVXX)? Will Schwab hold the underlying stock on margin until I sell SWVXX, and thus owe interest??

Any help/allegory would be greatly appreciated

Can’t make any transactions right now. Have money in the account. Is there anyone with similar situation?

Update: I have a few people say the Card is now back online. Try it out again ! Cheers

I logged into my account went to the chat asked how I can learn about any incentives to bring my retirement vehicles over the Schwab.

I told him I don't pick up the phone and I don't want to speak. I was told someone will contact me by email.

I was contacted by what appears to be someone with the title:

CFP, Trading Consultant | Trade Acquisitionz

They told me to contact them by phone because things can be complex.

I told him I simply have two 401Ks each just over 1 million in value, which i would like to roll over into IRAs and nothing more nothing less.

So what if any , are the incentives for that specifically. I already have a brokerage with 650k with Schwab. It's not like I was a stranger.

They responded by telling me just to give him a call.

I interpret this as we're not listening to what you're asking go someplace else.

Is there a different way to get a more appropriate contact or is 2.65 million in simple business just not that appealing as I'd hope it was?

Thanks.

I just got off a chat with "April" in which I asked if Schwab was going to implement authenticator capability. Her response:

We are in the process of providing the option to use third party authenticator apps, but I see it is not quite available yet. We do not have an exact date yet, but should be soon!

I asked if she had a timeline...

I don't. They have not given us one, just that it would be soon, so my assumption is within the next month or two.

That sounds promising but I really don't know why Schwab would be so far behind the times with this. This is the first time I've used chat with Schwab. Their phone help has always been stellar so I'm hoping the chat is also and we can really think it will be a matter of a couple of months. Of course I don't know if April is a real person or not...

I remember seeing two different tables somewhere on the schwab site for the interest rates charged for standard and portfolio margin loans. The standard rates where around 10% and the portfolio ones around 6%. Unfortunately I can not see it again. Has anyone noticed this? Schwab says there are no different rates and both marging rates are the same (the 10%). (for portfolio margin accounts you need highest option trading level and min. $125K in the account)

I am currently retired but have 15K from an old 401k I want to invest. Any rec’s? Money Market? Auto invest?

I want to buy a T Note on Tuesday 5/26. I have margin enabled but Schwab does not consider SGOV a marginable security so I can't just buy the T Note on Tuesday and then sell SGOV later in the day, right? So since Monday is a holiday and is not considered an\ settlement date (is that right?) the funds will settle on Tuesday the 26th. I need to know if those funds will be available for me to trade around 6:00am on Tuesday before the market opens. The auction closes at 6:30am. TIA.

If I get the Schwab investor card, can I transfer my American Express points to the Schwab investor card and keep the points separate from Cash back?

I have a lot of American Express points from the Gold Card, I want to cancel the Gold card and transfer points to Investor card but do not want them exchanged into cash back but use them eventually on a trip. Would this work? Or do the points automatically transfer to cash back?