| Time horizon | Asset allocation |
|---|---|
| 30 years |
Moderate (60% stocks / 40% bonds and cash)
|
| 20 years |
Moderately conservative (40% stocks / 60% bonds and cash)
|
| 10 years |
Conservative (20% stocks / 80% bonds and cash)
|
Disclosure Title
Source:
Disclosure
Schwab Center for Financial Research using Charles Schwab Investment Advisory's 2023 10-year long-term return estimates and volatility for large-, mid-, and small-cap stocks; international stocks; bonds; and cash investments. The example is hypothetical and provided for illustrative purposes only. It is not intended to represent a specific investment product, and the example does not reflect the effects of taxes or fees. Past performance is no guarantee of future results.