Schwab Target 2045 Fund is a diversified target-date mutual fund designed for investors planning to retire around the year 2045. Its primary function is to provide capital appreciation and income through a dynamic asset allocation strategy that evolves over time. The fund predominantly invests in a mix of other affiliated Schwab Funds, offering exposure to U.S. and international equities, as well as fixed income and alternative assets. The portfolio’s composition is guided by a preset glide path, which gradually shifts from a higher equity concentration towards more conservative holdings as the target date approaches, balancing growth potential with risk management. At present, the fund’s investments are spread across large-cap U.S. equities, international stocks, real estate, and core bond holdings, reflecting a growth-oriented posture appropriate for investors several years from retirement. The top ten holdings, which encompass a significant majority of the asset base, include index funds tracking the S&P 500 and international markets, as well as both actively and passively managed strategies. Schwab Target 2045 Fund plays a crucial role in retirement planning by offering a streamlined, professionally managed solution that adjusts its risk-return profile over time to align with a long-term investment horizon.
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