Your Guide to Schwab.com. How to make the most of Schwab s online client center.

Transcription

1 Your Guide to Schwab.com How to make the most of Schwab s online client center.

2 Welcome to Schwab.com With the Schwab.com client center, it s easier than ever to access all your accounts as well as our full range of online research, tools and services. We appreciate your business and invite you to take full advantage of this powerful website to stay on track toward your financial goals.

3 Need help finding something? Talk to us at Where to find what you need What to do first.... Finding your way around... Accessing your accounts... Investments Trading...0 Tools for the active trader... Researching investments.... Products....8 Portfolio tools...0 Keeping your information secure... Getting help and service... Web browsers and operating systems Schwab websites work best using one of the following web browser and operating system configurations: Windows The latest (non-beta) version of Microsoft Windows XP or Vista AND The latest (non-beta) version of either Microsoft Internet Explorer or Firefox Mac The latest (non-beta) Mac operating system AND The latest (non-beta) version of Safari Other operating systems and web browsers may work, but may experience technical difficulties. Upgrading to one of the configurations above will provide you with the best online experience.

4 What to do first The majority of Schwab.com resources can be utilized by logging in to Schwab s client center. Here, you ll enjoy secure access to the full range of personalized portfolio and information services reserved for clients. Get a preview Want to sample the many features you ll enjoy once you log in to the client center? Click Take a Tour. Log in Click Log In to access the client center login page. If this is your first time logging in to the client center, click New User? to web-activate your account(s). Have your eight-digit Schwab brokerage account number(s) ready and simply follow the instructions to set up your login ID and password. Don t have your brokerage account number? Call If you ve already web-activated your accounts, start here by entering your login ID and password. We re committed to keeping your information safe online. To learn more, click SchwabSafe. How to get to this page: Go to Schwab.com.

5 Log in and choose your start page to access your account information. Choose a start page To choose your default start page within the client center, make a selection from the drop-down list and click Save This as Your Start Page. If you re like many Schwab clients, you may want to choose the Accounts Summary page, where you ll see a concise overview of your Schwab brokerage, Charles Schwab Bank and Schwab employer-sponsored retirement accounts. How to get to this page: Log in, highlight Accounts, then click Summary. All screenshots shown represent fictitious account numbers and hypothetical transactions and positions. They are for illustrative purposes only and are not recommendations.

6 Finding your way around The Schwab.com client center features simple tab navigation, useful tools and a powerful search function all to help you find what you re looking for quickly and easily. Tab navigation Highlight the tabs in the main navigation bar to display the pages that are featured under each tab. Click a page name on the second row of navigation to see more detailed information and available tools. View new and recent messages using the Messages pane. If you have a Financial Consultant, his or her contact information will appear here. You can also Contact Us quickly and easily, or safely Log Out from anywhere on the site. How to get to this page: Log in to Schwab.com.

7 The Schwab.com client center makes it easy to get to your favorite features. More powerful search The new Schwab.com features more robust search technology, so you can find the information you re looking for with greater ease and speed. Quick Quote panel Get instant quotes from any page. Quick Quote gives you immediate access to current trading data and stays open until you decide to close it. Page tools At any time, depending on the page you re on, you re welcome to give us Feedback, Print a page, get Help or change the font size to suit your preference. For example, Help provides tips, pointers and relevant answers to common questions for the page you re on. How to get to this page: Log in, highlight Trade, then click Stocks.

8 Accessing your accounts The Accounts Summary page is a great place to begin your online session. Here you ll find an overview of all your Schwab brokerage, Charles Schwab Bank and Schwab employer-sponsored retirement accounts. View your Accounts Summary Highlight the Accounts tab and click Summary to get a quick snapshot of all your Schwab accounts. For brokerage accounts, you can view balances, daily changes and recent activity, and take advantage of easy access to basic account management features. For Charles Schwab Bank accounts, you can view deposits, balances and specific account details, and access features such as Schwab Bank Bill Pay. Use the second row of navigation to check your account balances, positions and history; analyze your portfolio; transfer money and more. How to get to this page: Log in, highlight Accounts, then click Summary.

9 The Account Selector allows you to move quickly between accounts. Account balance details The Balances page displays detailed balance information for each of your accounts, including securities, cash and margin balances, and Charles Schwab Bank account balances. Move seamlessly between accounts The Account Selector lets you move conveniently between Schwab brokerage and Charles Schwab Bank accounts all on one page, with many views. Give nicknames to your accounts Click Edit Account Nicknames & Groups to give nicknames to your brokerage accounts, group them or choose whether to include them in your Account Selector list. How to get to this page: Log in, highlight Accounts, then click Balances. 7

10 Investments The Accounts tab allows you to stay on top of your portfolio by providing you easy access to updated account information, the latest market data and unrealized gain/loss figures. Check your portfolio Click Positions to see a convenient, tabbed view of your holdings. The Market Value tab shows you activity in today s market, the Unrealized Gain/Loss tab reflects value from the time of purchase through yesterday s trading activity, and the Positions Monitor tab provides industry benchmarks to show three months to 0 years of past performance. Click a stock symbol to see more detailed information, such as recent news and third-party research from Credit Suisse and Ned Davis. See historical data in one place Click History to view, sort and screen account transactions from the past months. Under History, click the Statements & Reports tab to access 0 years of account statements, trade confirms and tax documents. You can also reduce paper clutter and benefit the environment by signing up to go paperless. How to get to this page: Log in, highlight Accounts, then click Positions. 8

11 Access gain/loss figures, market data and updated account information to stay on top of your portfolio. Under History, click the Realized Gain/Loss tab to access historical data on investments you ve previously sold. Do a portfolio analysis Click Portfolio Analysis to find out how your current portfolio compares with your target allocation. 7 8 Make transfers and payments 7 Click Transfers & Payments to move money between Schwab accounts, and to and from other financial institutions. Check your messages 8 Click Message Center to review important notices and portfolio messages, and to set your message preferences. How to get to this page: Log in, highlight Accounts, then click History. 9

12 Trading The Trade tab of Schwab.com guides you through the process step-by-step, and allows you to review, change and verify your order before you place any trade. Buy and sell all types of investments Highlight Trade in the navigation bar, then click the type of investment you want to buy or sell in the second row of navigation stocks, options, mutual funds and more. In this example, Stocks is selected. The Account Selector displays the account you re trading in. If you have multiple Schwab accounts, use the Account Selector to select which account you would like to place a trade in. Get help On each trading page, click Help for descriptions of order types and step-by-step guidance for placing your trade. Quick Links Use Quick Links to easily access other features. If you re an active trader, this is a convenient way to launch StreetSmart.com. How to get to this page: Log in, highlight Trade, then click Stocks. 0

13 Verify your order before you place a trade. Shop and compare Click Mutual Funds to buy and sell mutual funds in a single action and to establish an Automatic Investment Plan (AIP) all in one place. Click Bonds to search, screen and select from a large inventory of bonds and fixed income investments, and compare rates among a variety of fixed income types, ranging from three-month to 0-year yields Click CDs to find a wide range of CDs available through Schwab, including new issues, categorized by maturity. Customize a watchlist 8 You can automatically view quotes on the positions in your account. Click Watchlist to create a customized list based on a variety of criteria. Check the status of a trade 9 Click Order Status to verify that your order has been executed. The advanced sorting capabilities enable you to filter your orders and save your display preferences. View a Quick Quote on any order by simply clicking the symbol of that order. How to get to this page: Log in, highlight Trade, then click Bonds. Investors should carefully consider information contained in the prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by calling Schwab at Please read the prospectus carefully before investing. Periodic investment plans (such as AIP) do not ensure a profit and do not protect against loss in declining markets.

14 Tools for the active trader If you re an active trader or interested in becoming one, the Trading Tools page is your starting point for active trading tools and services including world-class resources and specialized service and support. Advanced trading platforms Whether you prefer to trade directly on the web or with trading software, Schwab offers trading platforms designed to match your trading strategy. With StreetSmart.com and StreetSmart Pro, you can customize displays of real-time trading information and create your own interactive charts and watchlists. Community The Trading Community link provides active traders exclusive access to a forum to connect with fellow traders. You can share knowledge, talk shop or offer feedback to help shape the trading community. How to get to this page: Log in, highlight Trade, then click Trading Tools. Schwab s StreetSmart.com and StreetSmart Pro are available for Schwab Active Trading clients. Access to NASDAQ Level II quotes is provided for free to nonprofessional clients who have made 0 or more equity and options trades in the last months, 0 or more equity and options trades in either the current or previous quarters, or who maintain $ million or more in household balances at Schwab. Schwab Active Trading clients who do not meet these requirements can subscribe to NASDAQ Level II quotes for a quarterly fee. Professional clients may be required to meet additional criteria before obtaining a subscription to NASDAQ Level II quotes. This offer may be subject to additional restrictions or fees, and may be changed at any time.

15 Under Trading Tools, use the Launch StreetSmart.com link for easy access to StreetSmart.com. Education and research Get more out of your trading by accessing workshops that can improve skills you already have or can teach you new ones. Choose from a variety of topics, including Technical and Fundamental Analysis, Market Commentary, Trading Tools and Client Orientation, and a variety of formats, such as on-demand webinars, live webcasts or live workshops. Get value-added services that provide trading insight and market analysis, such as Market Edge. You can also take advantage of webbased research tools designed for active investors, such as the ETF Center, where you can access a single source for researching and trading exchange-traded funds. How to get to this page: Log in, highlight Trade, click Trading Tools, then click Education. Market Edge is a registered trademark of Computrade Systems, Inc., which is not affiliated with Charles Schwab & Co., Inc.

16 Researching investments Access professional-level research across a wide range of investment types. Here, you ll find timely information about current market conditions, comprehensive side-by-side comparisons of investment alternatives, and objective analysis from respected, independent experts. Check the market Highlight Research in the navigation bar, then click Markets for news and analyst commentary from the Schwab Center for Financial Research and leading third-party sources. Check an industry Click the Industries tab to see Schwab s outlook on specific sectors and industries. Read expert perspectives Click the Market Insight tab for expert perspectives on a wide variety of important investing topics, including the current market, retirement strategies and planning for financial goals. Click Webcasts to register for online webcasts, where Schwab and other recognized market experts share insights and answer your questions. Click Workshops and take advantage of educational opportunities either online or inperson at your local Schwab branch. How to get to this page: Log in, highlight Research, then click Markets. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.

17 Market Insight provides expert perspectives on important investing topics. Find stocks for your portfolio 7 8 Click Stocks for the latest research and analysis that can help you make informed buy and sell decisions. Use Schwab Stock Lists and screeners to find stocks that meet your investing criteria. Access Schwab Equity Ratings, Schwab s industry-recognized approach for rating the performance potential of approximately,000 of the largest stocks headquartered and incorporated in the U.S. (and certain foreign nations). How to get to this page: Log in, highlight Research, then click Stocks. 7 8 Schwab Equity Ratings and the general buy/hold/sell guidance they provide are not personal recommendations for any particular investor or client, and do not take into account the financial, investment or other objectives or needs of, and may not be suitable for, any particular investor or client. Investors and clients should consider Schwab Equity Ratings as only a single factor in making their investment decision, while taking into account the current market environment.

18 Researching investments continued Use Mutual Fund Lookup to get detailed analyses of more than 0,000 funds, with data provided by Morningstar, Inc. Use our Quick Research Tools to screen, compare and analyze thousands of funds available at Schwab. View our Mutual Fund OneSource Select List, a quarterly list of no-load, no-transaction-fee funds prescreened by Schwab experts. Try Schwab Portfolios, an easy way to own a fully diversified mutual fund portfolio that puts Schwab s investing expertise to work for you. How to get to this page: Log in, highlight Research, then click Mutual Funds. Trades in no-load funds available through the Mutual Fund OneSource service, including Schwab Funds and certain other funds, are available without transaction fees when placed through Schwab.com or our automated phone channels. For each of these trade orders placed through a broker, a $ service charge applies. Schwab reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds. Schwab s short-term redemption fee of $9.9 will be charged on redemption of funds purchased through the Mutual Fund OneSource service (and certain other funds with no transaction fees) and held for 90 days or less. Schwab reserves the right to exempt certain funds from this fee, including Schwab Funds, which may charge a separate redemption fee, and funds that accommodate short-term trading. Charles Schwab & Co., Inc., member SIPC, receives remuneration from fund companies participating in the Mutual Fund OneSource service for recordkeeping, shareholder services and other administrative services. Schwab also may receive remuneration from transaction-fee fund companies for certain administrative services.

19 Research many types of investments, all in one place. Click ETFs to learn about exchange-traded funds, which are similar to index funds but trade like stocks. Use the screening tool to find ETFs that meet your criteria. Find fixed income and cash solutions Click Bonds or CDs & Money Markets to see your investment choices, view current market rates and more all in one place, with a single click. How to get to this page: Log in, highlight Research, then click Bonds. Exchange-traded funds are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility such that an investor s shares, when redeemed or sold, may be worth more or less than their original cost. Foreign investments may incur greater risks than domestic investments. Past performance is no guarantee of future results. 7

20 Products From investment and retirement solutions to life insurance, Schwab offers a wide range of products and services that can help you manage your cash effectively and reach your financial goals. Charles Schwab Bank also offers a wide range of traditional financial services, from banking to lending solutions. Investments Review information on a wide selection of investment products. Cash management Schwab offers many products and services to help you manage your cash effectively convenient access, free services, great rates and more. Retirement Whether you re an individual or business owner, guardian or beneficiary, Schwab has a retirement account to suit your needs. How to get to this page: Log in, highlight Products, then click Overview. Brokerage and insurance products: Are not deposits Are not FDIC-insured Are not insured by any federal government agency Are not guaranteed by the bank or any affiliate of the bank May lose value 8

21 Schwab offers a variety of financial products to help you effectively manage your money. Portfolio solutions Schwab s professional portfolio solutions give you the benefits of diversification without the hassles of hands-on management. Life insurance Protect the financial security of your loved ones with competitively priced term life insurance available through Schwab. Banking and lending from Charles Schwab Bank Schwab Bank can help you reach your financial goals with great rates, personal service and products tailored to meet your banking and lending needs. How to get to this page: Log in, highlight Products, then click Portfolio Solutions. Charles Schwab & Co., Inc. distributes certain life insurance contracts that are issued by non-affiliated insurance companies. Not all products are available in all states. 9

22 Portfolio tools Under the Guidance tab, you ll find resources to help you evaluate your portfolio, create a retirement plan, explore college funding and more. Schwab.com offers a variety of tools to help you reach your financial goals. Evaluate your portfolio Take advantage of tools, calculators and worksheets for investing, fixed income, tax, retirement, college, insurance and estate planning as well as lending tools from Charles Schwab Bank. Click the Schwab Portfolio Checkup tab to compare your entire portfolio to a model portfolio that best aligns with your risk tolerance. You can include investments you hold at other firms to evaluate your total financial picture. Check your Schwab Quarterly Portfolio Profile under Investing tools for an in-depth analysis of your portfolio performance and allocation to help keep your portfolio on track. Make tax-savvy decisions Click Taxes to access a variety of tax resources, including the Schwab Sell Analyzer, which helps you determine the potential tax impact of selling a stock or mutual fund. How to get to this page: Log in, highlight Guidance, then click Tools & Calculators. 0

23 Quickly analyze your investments with Schwab Portfolio Checkup. Plan for retirement Under Tools & Calculators, click the Retirement Assessment tab to create a retirement plan, evaluate alternatives and receive guidance on ways to help you meet your goals. For guidance on selecting the IRA that best suits your needs, use the Schwab IRA Analyzer, located under Retirement tools. 7 Explore college funding Click College to learn about the many taxadvantaged ways to fund a child s education through the College Savings Calculator. Protect your legacy 7 Click Estate to learn how a well-designed estate plan can help preserve your assets for generations to come. How to get to this page: Log in, highlight Guidance, click Tools & Calculators, then click Retirement Assessment.

24 Keeping your information secure We want you to have the highest level of confidence when you do business with us, so we take a combination of measures to protect your accounts and the privacy of your information and then back our commitment with The Schwab Security Guarantee. Security SchwabSafe is a collection of security measures designed to keep your personal and financial information safe online. Click SchwabSafe for details. Read our privacy policy For complete details about the way we protect your information, and to learn what you can do to protect yourself, click Privacy at the bottom of any page. How to get to this page: Click Privacy or SchwabSafe at the bottom of any page on Schwab.com.

25 SchwabSafe is dedicated to keeping your personal and financial information safe. View our security guarantee With Schwab, you can be confident that you re covered in the event of an asset loss due to unauthorized activity. Click The Schwab Security Guarantee for details. Always log out To prevent unauthorized access to your account information, be sure to click Log Out whenever you leave your computer. How to get to this page: Click SchwabSafe at the bottom of any Schwab.com page, then click The Schwab Security Guarantee.

26 Getting help and service Welcome to the Schwab.com online service center. It s one convenient place where you can review and update your account profile and settings, plus take care of routine service requests such as ordering checks, downloading forms and more. Manage your profile Click Change Login ID & Password to update your login and contact information. Stay informed with alerts Click Set Alert Preferences to get timely performance information about your portfolio, stay on top of late-breaking market research and learn about upcoming events. Find the forms you need Whether you re transferring funds, adding account features or filing taxes, finding the right form is easy. Schwab forms are in one convenient place and are easy to download. How to get to this page: Log in, highlight Service, then click Overview.

27 Customer satisfaction is our first priority. Get help when you need it For those times when you want to talk to a live person, click the Contact Us button for contact information from any page, or highlight Service and then click Contact Us. If you have a Financial Consultant, his or her contact information will appear here. The Contact Us page offers contact information, secure addresses, a branch locator and product-specific phone numbers all in one place. How to get to this page: Log in, highlight Service, then click Contact Us.

28 Personal assistance is just a phone call away. If you have questions about your portfolio, want more personalized guidance or would prefer to meet with a Schwab investment professional, we re here for you. Just call Charles Schwab & Co., Inc. and Charles Schwab Bank are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage products are offered by Charles Schwab & Co., Inc., Member SIPC. Deposit and lending products and services are offered by Charles Schwab Bank, Member FDIC and an Equal Housing Lender. 008 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CSA 070 ( ) MKT-0 (0/08)