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Investing services for your financial goals

Find out how Schwab can help you on your investing journey.

We’ve chosen Charles Schwab & Co., Inc. (Schwab) because they share our commitment to helping you build a stronger financial future.

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Schwab’s investing options

Whether you’re a new or experienced investor, Schwab has the knowledge and tools to help you pursue your goals.

Brokerage and trading

Invest in stocks, bonds, mutual funds and more with a Schwab brokerage account.

  • Get low costs with $0 commissions for online, listed equity trades, $0 account minimums and no maintenance fees.‍ ‍ See note 1
  • Explore more choices, including over 2,000 commission-free exchange-traded funds (ETFs) and 4,000 no-load mutual funds with no transaction fees, to help diversify your portfolio.
  • Experience excellent service featuring 24/7 customer support, over 300 branches and a satisfaction guarantee.‍ ‍ See note 2
Open a brokerage account with Schwab

Learn more about brokerage accounts

Individual Retirement Accounts (IRAs)

Explore a variety of IRAs from Schwab to help meet your retirement goals.

  • Discover retirement planning resources, calculators and income strategies to help you plan for the future.
  • Pay $0 minimum deposit and $0 online, listed equity trade commissions, no matter your account balance or how often you trade.‍ ‍ See note 1
  • Access more than 2,000 commission-free ETFs and 4,000 mutual funds.‍ ‍ See note 3
Open an IRA with Schwab

Learn more about IRAs

Financial planning

Create a plan to help you reach your financial goals.

  • Access a complimentary plan for retirement.
  • Get answers to specific questions, like how much to save for college, with Schwab's calculators.
  • Explore personalized guidance and wealth management solutions.
Start a financial plan with Schwab

Learn more about financial planning

Mutual funds

Explore affordable ways to invest in mutual funds.

  • Get started with no account minimums or maintenance fees.
  • Build your own mutual fund portfolio or choose a professionally managed solution.
  • Access a wide range of resources and tools and get professional support when you need it.
Explore mutual funds with Schwab

Learn more about mutual funds

529 education savings

Save for education expenses for kindergarten through high school, college and apprenticeship programs.

  • Grow your money tax-free and make qualifying withdrawals without owing federal income tax.
  • Use the money for tuition, books, and other education costs.
  • Open an account with $0 and no annual maintenance fees.
Open a 529 plan with Schwab

Learn more about 529 plans

Another way to put your cash to work

A money market fund is a type of mutual fund that invests in short-term, higher quality securities. It seeks to provide high liquidity with lower risk, stability of capital and typically higher yields than some other cash products.
 

Explore Schwab Money Funds

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Investment resources

Investing basics

Learn how to invest with confidence by brushing up on the basics of investing.

Go to investing 101 education

Investing education and insights

Understand the fundamentals of investing for retirement.

Go to investing education

Investing advice

When to start investing for your future: Reasons why the time is now

Article: 6 minutes

Read article: When to start investing for your future: Reasons why the time is now

Investing for beginners

Article: 10 minutes

Read article: Investing for beginners

How to diversify your portfolio

Article: 6 minutes

Read article: How to diversify your portfolio

Investing is simpler than ever.

Steps to complete Investing is simpler than ever.

  1. Open an account

    Get started anytime online.

  2. Add money

    You can add money from an existing bank or investing account.

  3. Invest

    Choose your own investments or let a professional do it for you.

Start an investment account for as little as $5.

You don’t need to have wealth to start building wealth. For just $5, you can invest in fractional shares through Schwab fractional shares.

You’ll need a Schwab brokerage account to start investing.

Open a brokerage account with Schwab

Learn more about fractional shares with Schwab

Important information from USAA Investment Services Company (ISCO):
Review our relationship with you in our Relationship Summary PDF.

ISCO is not a client of Schwab. ISCO is compensated by and has an incentive to promote Schwab. However, these costs are not passed on to USAA members. Download USAA's Referral Arrangement Disclosure PDF.

Important information from Schwab:

Investors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.

Important Information from Schwab:

Before investing, carefully consider the Schwab 529 Plan's investment objectives, risks, charges, and expenses. This information and more about the Schwab Plan can be found in the Schwab 529 Education Savings Plan Description and Participation Agreement available from Charles Schwab & Co., Inc., and should be read carefully before investing.

You may request a Schwab 529 Education Savings Plan Description and Participation Agreement by calling 888-903-3863 or going to schwab.com/529-plan. If you are not a Kansas taxpayer, consider before investing whether your or the beneficiary's home state offers a 529 plan that provides its taxpayers with state tax and other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available in such state's qualified tuition program. Tax and financial aid treatment of 529 plans is subject to change. As with any investment, it is possible to lose money by investing in the Schwab 529 Plan.

You could lose money by investing in the Schwab Money Funds. All Schwab Money Funds seek to preserve the value of your investment at $1.00 per share, but cannot guarantee they will do so. All Schwab Money Funds with the exception of Schwab Government Money Fund, Schwab Retirement Government Money Fund, Schwab U.S. Treasury Money Fund, Schwab Treasury Obligations Money Fund, and Schwab Government Money Market Portfolio may impose a fee upon the sale of your shares if the Fund’s board or its delegate determines that the fee is in the best interests of the Fund. An investment in the Schwab Money Funds is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Schwab Money Funds' sponsor has no legal obligation to provide financial support to the Funds, and you should not expect that the sponsor will provide financial support to the Funds at any time.

Schwab Asset Management® is the dba name for Charles Schwab Investment Management, Inc. (CSIM), the investment adviser for Schwab Funds. Schwab Funds are distributed by Charles Schwab & Co., Inc. (Schwab), Member SIPC. Schwab Asset Management and Schwab are separate but affiliated companies and subsidiaries of the Charles Schwab Corporation.

Learn more about USAA Investment Services Company Opens in a New Window or Charles Schwab Opens in a New WIndow on FINRA's BrokerCheck website.

Important information from USAA Investment Services Company (ISCO):
Review our relationship with you in our Relationship Summary PDF.

ISCO is not a client of Schwab. ISCO is compensated by and has an incentive to promote Schwab. However, these costs are not passed on to USAA members. Download USAA's Referral Arrangement Disclosure PDF.

Important information from Schwab:

Investors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.

Important Information from Schwab:

Before investing, carefully consider the Schwab 529 Plan's investment objectives, risks, charges, and expenses. This information and more about the Schwab Plan can be found in the Schwab 529 Education Savings Plan Description and Participation Agreement available from Charles Schwab & Co., Inc., and should be read carefully before investing.

You may request a Schwab 529 Education Savings Plan Description and Participation Agreement by calling 888-903-3863 or going to schwab.com/529-plan. If you are not a Kansas taxpayer, consider before investing whether your or the beneficiary's home state offers a 529 plan that provides its taxpayers with state tax and other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available in such state's qualified tuition program. Tax and financial aid treatment of 529 plans is subject to change. As with any investment, it is possible to lose money by investing in the Schwab 529 Plan.

You could lose money by investing in the Schwab Money Funds. All Schwab Money Funds seek to preserve the value of your investment at $1.00 per share, but cannot guarantee they will do so. All Schwab Money Funds with the exception of Schwab Government Money Fund, Schwab Retirement Government Money Fund, Schwab U.S. Treasury Money Fund, Schwab Treasury Obligations Money Fund, and Schwab Government Money Market Portfolio may impose a fee upon the sale of your shares if the Fund’s board or its delegate determines that the fee is in the best interests of the Fund. An investment in the Schwab Money Funds is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Schwab Money Funds' sponsor has no legal obligation to provide financial support to the Funds, and you should not expect that the sponsor will provide financial support to the Funds at any time.

Schwab Asset Management® is the dba name for Charles Schwab Investment Management, Inc. (CSIM), the investment adviser for Schwab Funds. Schwab Funds are distributed by Charles Schwab & Co., Inc. (Schwab), Member SIPC. Schwab Asset Management and Schwab are separate but affiliated companies and subsidiaries of the Charles Schwab Corporation.

Related footnotes:

  1. Investment and Insurance Products are: Not Insured by the FDIC or Any Federal Government Agency; Not a Deposit or Other Obligation of, or Guaranteed by, the Bank; and Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested.

Related footnotes:

  1. Standard online $0 commission does not apply to over-the-counter (OTC) equities, transaction-fee mutual funds, futures, fixed-income investments, or trades placed directly on a foreign exchange or in the Canadian market. Options trades will be subject to the standard $0.65 per-contract fee. Service charges apply for trades placed through a broker ($25) or by automated phone ($5). Industry fees, ADR fees, and Stock Borrow fees still apply. See the Charles Schwab Pricing Guide for Individual Investors for full fee and commission schedules.

  2. If you are not completely satisfied for any reason, at your request Charles Schwab & Co., Inc. ("Schwab"), Charles Schwab Bank, SSB ("Schwab Bank"), or another Schwab affiliate, as applicable, will refund any eligible fee related to your concern. Refund requests must be received within 90 days of the date the fee was charged. Two kinds of "Fees" are eligible for this guarantee: (1) "Program Fees" for the Schwab Wealth Advisory ("SWA"), Schwab Managed Portfolios™ ("SMP"), Schwab Intelligent Portfolios Premium® ("SIP Premium"), and Managed Account Connection® ("Connection") investment advisory services sponsored by Schwab (together, the "Participating Services"); and (2) commissions and fees listed in the Charles Schwab Pricing Guide for Individual Investors or the Charles Schwab Bank Pricing Guide

  3. Fund expenses and other fees may apply.

Related footnotes:

  1. This site is designed for U.S. residents. Non-U.S. residents are subject to country-specific restrictions.

  2. All third party trademarks are the property of the respective owners and are used by USAA with permission.

  3. USAA Investment Services Company (ISCO), a registered broker-dealer and a registered investment adviser, provides referral and marketing services on behalf of Charles Schwab & Co., Inc. (Schwab), a dually registered investment adviser and broker-dealer. Schwab compensates ISCO for these services.

  4. Learn about USAA's use of Artificial Intelligence at usaa.com/ai.

    Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.

  5. The Charles Schwab Corporation provides a full range of brokerage and financial advisory services through its operating subsidiaries. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC), and its affiliates offer investment services and products, including Schwab brokerage accounts.

    Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons.

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