Schwab Target 2035 Index Fund Institutional Shares is a passively managed mutual fund designed to help investors accumulate wealth in preparation for retirement around the year 2035. Structured as a target-date fund, its asset allocation automatically shifts over time, incrementally reducing equity exposure and increasing bond holdings as the designated retirement year approaches. The fund primarily invests in a diversified portfolio of affiliated Schwab exchange-traded funds (ETFs) that track broad market indices, including U.S. large-cap equities, aggregate U.S. bonds, international equities, real estate, small-cap stocks, emerging markets, and short-term U.S. Treasuries. As of July 2025, the portfolio allocates approximately 70% to stocks and 29% to bonds, with a small percentage held in cash investments. The fund’s expense ratio is notably low at 0.08%, contributing to its cost efficiency and appeal among long-term retirement savers. Designed for investors seeking capital appreciation and income that aligns with their retirement timeline, this fund plays a key role in the target-date category, providing an easy, diversified, and maintenance-free approach to investing for retirement.
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