Insurance Banking Investing Retirement Advice Membership Log On AUTOMATED INVESTING AT SCHWAB Automate your investments. USAA helps you manage your everyday financial needs, and Schwab Intelligent Portfolios See note ® can help you manage your financial future. With personalized, automated investing, Schwab's robo-advisor does the work, so you don't have to. Get Started at Schwab Schwab was rated No. 1 Overall Most Trusted Financial Company in the 2020 Investor's Business Daily Most Trusted Financial Companies Survey. Investing made easy Schwab Intelligent Portfolios uses a robo-advisor to build and manage your portfolio automatically. This make it simple to work toward your financial future. Are you saving for retirement or college? Working to build long-term wealth or sustainable, tax-efficient income? Schwab Intelligent Portfolios See note ® can help. Choose from a range of account types including brokerage, IRA, custodial and trust accounts. How can a robo-advisor help me? Robo-advisors can help put your money to work for you. Learn how they work and how they can be personalized to help you meet your specific financial goals. Robo-advisors 101 How Schwab Intelligent Portfolios work STEP 1 You complete a short questionnaire to establish your goals, risk tolerance and timeline. STEP 2 Schwab's robo-advisor builds a diversified portfolio of exchange traded funds (ETFs), chosen by experts, and a cash allocation. STEP 3 Innovative technology monitors and automatically rebalances your investments to help keep you diversified and on track. Discover Schwab's robo-advice solutions Schwab has two automated investing options — Schwab Intelligent Portfolios See note ® and Schwab Intelligent Portfolios Premium See note ®. You choose the one that best fits your needs. Schwab's automated investing options Schwab Intelligent Portfolios Schwab Intelligent Portfolios Premium Automated investing with no advisory fee Automated investing with unlimited, one-to-one guidance and personalized planning A diversified portfolio of exchange-traded funds (ETFs) chosen by Schwab experts Daily monitoring and automatic rebalancing Tax-loss harvesting 24/7 live support from U.S.-based service professionals Unlimited one-to-one guidance and personalized planning Not offered Powerful, interactive online planning tools Not offered Digital financial plan for reaching your goals Not offered Fees No advisory fee See note 1 One-time planning fee of $300, followed by an advisory fee of $30 a month Minimum to start $5,000 $25,000 Learn more about Schwab Intelligent Portfolios Learn more about Schwab Intelligent Portfolios Premium Schwab Intelligent Income Schwab Intelligent Income See note ® is a simple, modern way to pay yourself in retirement. It lets you generate a predictable monthly paycheck from your investments. There is no additional fee to activate this feature, and it's available with both Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium. Learn more about Schwab Intelligent Income Schwab automated investments FAQ Expand all What is the minimum amount required to open an account? What type of account can I have with Schwab Intelligent Portfolios®? Can I roll over my 401(k) or IRA? Can I make a partial withdrawal from my account? What costs and fees are charged for Schwab Intelligent Portfolios? Learn more about USAA Investment Services Company or Charles Schwab on FINRA's BrokerCheck website. Copyright © USAA Investments/Insurance: Not a Deposit • Not FDIC Insured • Not Bank Issued, Guaranteed or Underwritten • May Lose Value Investing involves risk, including potential loss of principal. USAA Investment Services Company (ISCO) is registered as an investment adviser in Colorado and other states where required. Note 1 There is no advisory fee or commissions charged for Schwab Intelligent Portfolios. For Schwab Intelligent Portfolios Premium, there is an initial planning fee of $300 upon enrollment and a $30 per month advisory fee charged on a quarterly basis as detailed in the Schwab Intelligent Portfolios Solutions™ disclosure brochures. Investors in Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium (collectively, "Schwab Intelligent Portfolios Solutions") do pay direct and indirect costs. These include ETF operating expenses, which are the management and other fees the underlying ETFs charge all shareholders. The portfolios include a cash allocation to a deposit account at Schwab Bank. Our affiliated bank earns income on the deposits, and earns more the larger the cash allocation is. The lower the interest rate Schwab Bank pays on the cash, the lower the yield. Some cash alternatives outside of Schwab Intelligent Portfolios Solutions pay a higher yield. Deposits held at Schwab Bank are protected by FDIC insurance up to allowable limits per depositor, per account ownership category. Schwab Intelligent Portfolios Solutions invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management, receives management fees on those ETFs. Schwab Intelligent Portfolios Solutions also invests in third party ETFs. Schwab receives compensation from some of those ETFs for providing shareholder services, and also from market centers where ETF trade orders are routed for execution. Fees and expenses will lower performance, and investors should consider all program requirements and costs before investing. Expenses and their impact on performance, conflicts of interest, and compensation that Schwab and its affiliates receive are detailed in the Schwab Intelligent Portfolios Solutions disclosure brochures. The cash allocation in Schwab Intelligent Portfolios Solutions™ will be accomplished through enrollment in the Schwab Intelligent Portfolios Sweep Program (Sweep Program), a program sponsored by Charles Schwab & Co., Inc. By enrolling in Schwab Intelligent Portfolios Solutions, clients consent to having the free credit balances in their Schwab Intelligent Portfolios Solutions brokerage accounts swept to deposit accounts at Charles Schwab Bank through the Sweep Program. Charles Schwab Bank is an FDIC-insured depository institution affiliated with Charles Schwab & Co., Inc. and Charles Schwab Investment Advisory, Inc. Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium™ are designed to monitor portfolios on a daily basis and will also automatically rebalance as needed to keep the portfolio consistent with the client's selected risk profile. Trading may not take place daily. Schwab Intelligent Income™ is an optional feature for clients to receive recurring automated withdrawals from their accounts. Schwab does not guarantee the amount or duration of Schwab Intelligent Income withdrawals nor does it guarantee any specific tax results such as meeting Required Minimum Distributions. This site is designed for U.S. residents. Non-U.S. residents are subject to country-specific restrictions. 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. Important Information from Schwab: Please read the Schwab Intelligent Portfolios Solutions™ disclosure brochures on www.schwab.com/intelligent-portfolios for important information, pricing and disclosures related to the Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs. Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium are made available through Charles Schwab & Co., Inc. (Schwab), a dually registered investment advisor and broker-dealer. Portfolio management services are provided by Charles Schwab Investment Advisory, Inc. (CSIA). Schwab and CSIA are subsidiaries of The Charles Schwab Corporation. Tax-loss harvesting is available for clients with invested assets of $50,000 or more in their account. Clients must choose to activate this feature. Diversification, automatic investing and rebalancing strategies do not ensure a profit and do not protect against losses. Credit Notice: From Investor's Business Daily, Oct. 12, 2020, ©2020 Investor's Business Daily, Inc. All rights reserved. Used by permission and protected by the copyright laws of the United States. The printing, copying, redistribution or retransmission of this content without express written permission is prohibited. Results based on an Investor's Business Daily ("IBD") and Technometrica study, which measures consumers' trust toward financial companies and ranks the companies objectively. A total of 4,297 IBD website visitors and customers participated in the Phase 2 survey in August 2020. To be included in our ranking, at least 100 respondents had to rate a company, except for in the wealth management category, where we required at least 75 respondents. Fifty-one companies passed our minimum inclusion criterion. For further information on how the ratings were calculated, see IBD's Criteria and Methodology. 271263 - 0921 1928804 We use cookies and related technologies see footnote 1 to help enhance your experience on our site and optimize its performance. Learn more by reading our Cookie Notice , opens in new tab Accept All Cookies Manage Cookies Accept Essential Cookies Footnotes 1 Related technologies can include web beacons and pixel tags.