SWHRX

About SWHRX

The Schwab Target 2025 Fund is a target-date mutual fund designed to provide a diversified investment solution tailored to individuals expecting to retire around the year 2025. Its main objective is to balance capital appreciation and income, adjusting its asset allocation over time to gradually reduce risk as the target retirement date approaches. The fund invests primarily in a mix of affiliated Schwab and Laudus mutual funds, with the portfolio currently allocated to a blend of U.S. and international equities, a variety of bond funds, and real estate exposure. Notable holdings include major index funds, such as those tracking the S&P 500 and U.S. Aggregate Bond markets, as well as inflation-protected securities and select active management strategies. This structure supports a steady transition from higher-growth assets to a more conservative profile suitable for retirees initiating withdrawals. The Schwab Target 2025 Fund plays a significant role in the retirement planning market, offering investors a professionally managed, all-in-one portfolio that automatically adapts to changing risk needs as the retirement date draws near.