Schwab Target 2045 Index Fund is a **target-date mutual fund** designed to provide investors with a diversified, all-in-one portfolio solution as they approach retirement around the year 2045. The fund’s primary function is to offer investors a professionally managed blend of assets that automatically adjusts its allocation over time—typically becoming more conservative as the target retirement date draws near. The portfolio invests primarily in Schwab exchange-traded funds (ETFs) representing various asset classes, including large-cap U.S. stocks, international equities, bonds, real estate investment trusts (REITs), and cash equivalents. As of July 2025, approximately **85% of the portfolio is allocated to equities** and about 14% to bonds, reflecting a growth-oriented approach suitable for investors decades away from retirement. The fund passively tracks a composite benchmark and maintains a low expense ratio, making it a cost-effective vehicle for long-term retirement planning. Notable for its broad diversification—spanning U.S. and global markets—and automatic rebalancing, Schwab Target 2045 Index Fund plays a significant role in the **target-date fund market**, providing a one-stop investment solution tailored to evolving retirement timelines.
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