The Schwab Target 2015 Fund is a target-date mutual fund designed primarily for individuals who retired around the year 2015 and intend to gradually withdraw assets during their retirement years. Its central purpose is to balance capital appreciation and income in line with a tailored asset allocation strategy that becomes more conservative over time. The fund achieves its objectives by investing predominantly in a diversified mix of affiliated Schwab mutual funds and ETFs, as well as select unaffiliated funds, providing exposure to a range of asset classes such as equities, fixed income, and money market instruments. Notable features include a preset glide path, which systematically reduces risk as investors approach and proceed through retirement, aligning with the typical needs of retirees. The portfolio currently has significant allocations to core bond funds and large-cap equity funds, along with exposure to both domestic and international markets. The Schwab Target 2015 Fund is recognized for its broad diversification, low expense ratio, and professional management, making it a key component of Schwab’s suite of retirement solutions aimed at providing steady income and moderate growth in a single, easy-to-manage investment vehicle.
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