Schwab Center for Financial Research with data provided by Morningstar Inc. Note: Interest and dividend payments are deposited to cash. Total return includes price growth plus dividend and interest income. The example is hypothetical and provided for illustrative purposes only. It is not intended to represent a specific investment product. The example does not reflect the effects of taxes or fees. The indexes representing each asset class are: cash = Citigroup 3-Month U.S. Treasury Bill Index; fixed income = Barclays U.S. Aggregate Bond Index; large-cap equities = S&P 500^® Index; small-cap equities = Russell 2000^® Index; international equities = MSCI EAFE^® Index. Please see the disclosures section at the end of the article for more information on the indexes used.