Charles Schwab Brokerage 2024 Review

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It's known for its quality customer service, low fees, and extensive selection of securities. Additional services include extensive real-time market research, tax-efficient investing strategies, and personalized investment advice from Schwab experts. </p>"},{"question":"What are the fees associated with using Charles Schwab?","answer":"<p class=\"faq-answer\">Charles Schwab provides a transparent and competitive fee structure. Depending on the kind of account and the assets in your portfolio, you may incur certain AUM and trading fees. Schwab is an attractive option for fee-conscious investors since it does not charge account maintenance or inactivity fees. The brokerage also offers commission-free trades of stocks, ETFs, and options. </p>"},{"question":"Can beginners use Charles Schwab effectively?","answer":"<p class=\"faq-answer\" data-pm-slice=\"1 1 []\">Yes, beginners can use Charles Schwab effectively. Schwab offers educational tools and resources, such as expert-managed accounts and an automated account option. Charles Schwab's educational resources for beginners include investing insights, market commentary, retirement savings blog posts, and podcasts. </p>"},{"question":"What investment research and tools does Charles Schwab offer?","answer":"<p class=\"faq-answer\">Charles Schwab's investment research and market reports come from third-party firms like Argus and Morningstar, so experienced investors can better monitor the markets. You can also review heat maps, Schwab insights, and market commentary. Other investment research tools include stock screens, tracking charts, the Schwab Stock List of top-ranked companies, and one-on-one personalized support from experienced trading specialists. </p>"}],"showRecirc":false,"paywall":{"isExempt":true}},"path":"/personal-finance/investing/charles-schwab-investing-review","attributes":{"amazonTrackingID":"bi-auto-71010-20","categories":["Charles Schwab","PFI Reviews","Personal Finance Insider","PFI Featured Products","PFI Reviews Report"]},"relationships":{"authors":{"data":[{"type":"author","id":"tessa-campbell","attributes":{"company":"","email":"","label":"Tessa Campbell","title":"Investing and Retirement Reporter"},"relationships":{"image":{"data":{"type":"image","id":"6494561e65b9ce0018a46b81","attributes":{"caption":"Profile pic of Tessa C.","contentType":"image/jpeg","height":2109,"source":"Tessa Campbell phone","width":2208},"links":{"self":"https://i.insider.com/6494561e65b9ce0018a46b81"}}}},"links":{"self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/authors/tessa-campbell","site":"https://www.businessinsider.com/author/tessa-campbell"}},{"type":"author","id":"elias-shaya","attributes":{"company":"","email":"","label":"Elias Shaya","title":"Compliance Associate"},"relationships":{"image":{"data":{"type":"image","id":"63f938c4ae0bf0001824b2c1","attributes":{"caption":"Elias Shaya.","contentType":"image/jpeg","height":824,"source":"Courtesy of Elias Shaya","width":1099},"links":{"self":"https://i.insider.com/63f938c4ae0bf0001824b2c1"}}}},"links":{"self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/authors/elias-shaya","site":"https://www.businessinsider.com/author/elias-shaya"}}]},"categories":{"data":[{"type":"category","id":"charles-schwab","attributes":{"label":"Charles Schwab"},"links":{"site":"https://www.businessinsider.com/category/charles-schwab"},"isIndexable":false},{"type":"category","id":"pfi-reviews","attributes":{"label":"PFI Reviews"},"links":{"site":"https://www.businessinsider.com/category/pfi-reviews"},"isIndexable":false},{"type":"category","id":"personal-finance-insider","attributes":{"label":"Personal Finance Insider"},"links":{"site":"https://www.businessinsider.com/category/personal-finance-insider"},"isIndexable":false},{"type":"category","id":"pfi-featured-products","attributes":{"label":"PFI Featured Products"},"links":{"site":"https://www.businessinsider.com/category/pfi-featured-products"},"isIndexable":false},{"type":"category","id":"pfi-reviews-report","attributes":{"label":"PFI Reviews Report"},"links":{"site":"https://www.businessinsider.com/category/pfi-reviews-report"},"isIndexable":false}]},"verticals":{"data":[{"type":"vertical","id":"yourmoney","attributes":{"created":"2011-09-08T00:00:00Z","label":"Personal Finance","modified":"2024-01-02T18:09:41Z"},"links":{"facebook":{"href":"https://www.facebook.com/businessinsider.yourmoney","meta":{"username":"businessinsider.yourmoney"}},"posts":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/verticals/yourmoney/posts","self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/verticals/yourmoney","site":"https://www.businessinsider.com/yourmoney","twitter":{"href":"https://www.twitter.com/BI_Strategy","meta":{"username":"BI_Strategy"}}}},{"type":"vertical","id":"pfi-investing","attributes":{"created":"2020-10-19T13:37:53Z","label":"Investing","modified":"2021-06-16T14:46:55Z"},"links":{"posts":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/verticals/pfi-investing/posts","self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/verticals/pfi-investing","site":"https://www.businessinsider.com/pfi-investing"}}]}},"subType":"story","superVertical":"business","type":"post","continentCode":"AS","deviceType":"desktop","isBot":false,"privacyApi":"NONE","env":"production"} || {"config": {}}; 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Explore the brokerage services, investment options, fees, and resources to see how it stands out.","keywords":"","articleBody":"Paid non-client promotion: Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate investing products to write unbiased product reviews.Charles Schwab tops our list of the best online brokerages, offering something for everyone. Whether it be commission-free trading and fractional shares, Schwab has all the options you might want at industry-leading prices.Business Insider's personal finance team compared Charles Schwab to similar options and found it to be an industry leader. We named it to multiple lists of the best investing products, including the best online brokerages, best investing apps, and best stock-trading apps.Charles Schwab is one of the few companies that tries to offer both \"convenience\" and \"low cost\" in one brokerage package, with more than 400 physical branches scattered throughout the US. Unlock commission-free trading at Charles Schwab for stock, ETFs, and base options trades.Charles Schwab brokerage accounts start at $0 and have notoriously low fees compared to other brokerages. However, there are high minimums for certain account levels, such as Schwab Intelligent Portfolios ($5,000 minimum) and Schwab Intelligent Portfolios Premium ($25,000).Charles Schwab is a great brokerage option for most investors as one of the most recognizable brokers in the US. It's a beginner-friendly trading platform offering many investable securities, account options, and resources. Schwab Asset Manager is the third-largest index mutual fund provider with over 30 years of indexing experience. You can now access spot Bitcoin ETFs on Charles Schwab in addition to Schwab Crypto Thematic ETF and the Additional ETFs & Mutual Funds portfolios that invest in equities and futures contracts related to cryptocurrencies. Schwab doesn't offer direct crypto investing. Schwab offers individual and joint brokerage account options for depositing funds and investing in stocks, bonds, mutual funds, ETFs, and other investment opportunities. Its offerings are some of the most affordable in the industry.Over 4,000 of Schwab's mutual funds have minimum investment requirements of only $100 or less. Many of those funds, including all 200+ of its index funds, also come with no transaction fees or loads. However, Schwab also sells transaction-fee funds; if you decide to purchase one, it could cost you up to $49.95 per buy, which is pretty high. Charles Schwab's customer service and support are available 24/7, with access to online tools, investment research, and Schwab's mobile app. Schwab's trading platform, StreetSmart Edge, also offers a wealth of stock data, news, charting tools, screeners, watch lists, and conditional order options to meet traders' needs. Individual brokerage accounts get you access to more features, including in-depth analysis, portfolio performance tracker, Morningstar research, and timely market commentary from Schwab experts. Users may also utilize the thinkorswim suite. Charles Schwab offers many types of retirement savings accounts, including:You can also open a Personal Choice Retirement Account (PCRA), a self-directed, employer-sponsored retirement plan that lets you invest in a larger range of investment options. This includes thousands of different mutual funds and ETFs. Unlike traditional retirement accounts, a PCRA gets you more account flexibility and personal involvement.A PCRA is only recommended for folks who want to put a lot of time and effort into making their own investment decisions and are knowledgeable in investing/saving plans. Also, Schwab doesn't allow its advisors to be appointed to PCRA accounts. But the site also states that you may be able to appoint a non-Schwab-issued independent advisor.Schwab Intelligent Portfolios account is the best robo-advisor for account flexibility. Invest in a custom blend of diverse and low-cost Schwab ETFs aligned with your target asset allocation and risk tolerance. You'll also get access to common robo-advisor features like automatic portfolio rebalancing and tax-loss harvesting. A risk tolerance and goal planning questionnaire determines how your portfolio is set up and how to invest your funds. The premium version of this account gets you unlimited access to a certified financial planner (CFP) for one-on-one advice and guidance. It also offers interactive online planning tools like the \"what-if\" Play Zone stress test and a customized goal roadmap.Schwab's 529 Education Savings plan invests in a diverse portfolio of mutual funds from multiple fund families so you (or a dependent) can save for future higher education costs. You can use 529 plan funds for tuition (including K-12 costs), school supplies, apprenticeships, trade schools, room and board costs, and more.The best 529 plans account has multiple risk tolerance and investment strategy portfolio options, including actively managed or low-cost index fund portfolios. You can also open an additional education saving account to complement your 529 plan account. However, contributions to this account are not taxable. A Schwab One Custodial Account allows a parent/guardian to open a savings account for a child/dependent's long-term growth potential. You can invest your funds in stocks, bonds, mutual funds, ETFs, and more. Funds from a custodial account can be saved and invested for future retirement savings, college tuition costs, or down payments. The beneficiary can access the account when they reach the age of 18 or 21, depending on the state). There are no contribution limits, but you won't get the same tax advantages that 529 plan accounts have. Instead, only the first $2,500 of the beneficiary's unearned income is tax-free (but this only applies to beneficiaries younger than 19 or a full-time college student under 25).In 2024, there's no gift tax incurred for contributions up to $18,000 per year per beneficiary (or $36,000 for couples).Schwab's Personal Defined Benefit plan is for self-employed individuals and small business owners aged 50 or older. Investors can make large contributions for short-term, high-risk investment strategies (at least five years). Contributions are 100% tax-deductible (within IRS limits) and grow tax-deferred. There's also no set contribution limit. Instead, limits are calculated by weighing factors like age, compensations, and goal-retirementSchwab's Company Retirement Account (CRA), a \"pension trust,\" is a brokerage account that holds assets from a customized retirement plan. You should only open this account if you're a plan administrator or business owner already with a retirement plan. It allows you to invest in a wide range of assets and access third-party research, tools, and expert insight. Charles Schwab-managed portfolio services get you access to actively managed, diversified portfolios of mutual funds or ETFs. There's a $25,000 required minimum investment for each portfolio, but the specifics of what's included differ as follows: Schwab Charitable is a donor-advised fund account that allows you to structure your charitable contributions with tax advantages. You can open a free core or professionally managed account. With this account, you can grow investments tax-free, itemize your deductions, and possibly eliminate capital gains tax on charitable contributions on non-cash assets.Contribute cash, publicity traded securities, stocks, bonds, mutual funds, real estate, private equity, and more. According to its website, Schwab Charitable Accounts supported over 127,000 Charitable organizations in 2023. Otherwise, additional ESG investment options include over 500 mutual funds and 200 ETFs. One option is Schwab Ariel ESG ETF, a long-term fund that keeps certain information secret to prevent other traders from copying or predicting the allocation. This strategy may help the ETF's performance but could also hurt it. Schwab One Trust Account is an easy way to manage and protect your trust's assets for estates of any size. This account comes with all the benefits that the Schwab One brokerage account offers, as well as accessible asset management, distribution of assets after death, 24/7 customer service and support, and more. If you're an executor or court-appointed estate administrator, you can open a Schwab One Estate Account to manage and consolidate assets, access cash, pay taxes, and cover expenses. This account also has the same perks as the Schwab One brokerage account. You can quickly distribute assets to beneficiaries, transfer titles to heirs, and get an accurate value on your estate for the IRS. Investment research tools offered by Charles Schwab include Schwab's Portfolio Checkup tool, Schwab Stock Slices, and Charles Schwab's mobile app.Charles Schwab offers many options if you're looking for investment advice and management. First, if you want to analyze a DIY portfolio, you can use Schwab's Portfolio Checkup tool anytime. It will evaluate your portfolio's performance based on your target asset allocation and recommend necessary adjustments.Finally, if you have complicated wealth management needs, Schwab can connect you with a local advisor near you via its Schwab Advisor Network. With Schwab's Private Client service, you can get a dedicated team to build and maintain your portfolio. You'll need at least $1 million to be eligible for Schwab Private Client, and the advisory fees start at 0.80% with a $500,000 enrollment minimum.Schwab Stock Slices allow users to buy fractional shares of individual stocks for as little as $5. Stock Slices make expensive stocks accessible to investors with smaller amounts of money.For example, let's say you wanted to invest in Amazon, but one share costs hundreds of dollars when you're considering buying. You may not have that much to invest right now. Or even if you had barely enough to invest, putting most of your investing pot into just one company is risky.But with Schwab Stock Slices, you can invest $5, $10, $100, or whatever other amount you choose in any stocks that are part of the S&P 500. And you can buy up to 10 slices at one time. For example, you could invest $500 in four companies ($125 a piece). Or choose to separate that $500 into 10 different companies at $50 a piece, even though buying one share of each of those 10 stocks would cost you far more.Schwab Stock Slices essentially give investors the power to build their own mutual fund out of blue-chip stocks with strong track records and dividends.Charles Schwab's mobile app experience is well-designed and feature-rich. Not only can you use the app to check your account balances quickly, but you can also use it to plan and execute trades.The main app is just fine if you want to do lower-level research on individual stocks and basic trading. However, if you're looking for more in-depth research and charting tools, you'll probably want to download Schwab's StreetSmart app.The main Schwab mobile app and StreetSmart are available on Google Play and Apple devices. You can log in with your Schwab username and password. Or, for extra security and convenience, you can log in using your fingerprint or Face ID.Most Charles Schwab brokerage account options have $0 opening and maintenance fees and $0 account minimums. However, a few portfolio options and account types charge higher minimums and fees.Maintenance fee: NoneCommissions: $0 per online listed equity trade, and online Schwab ETFsMaintenance fees: NoneService fees: NoneEquity commissions: $0 online tradesBroker-assisted trades: $25Maintenance fee: May be chargedAdvisory fees: NoneCommission fees: NoneTax-loss harvesting: Must have an account balance of at least $50,000One-time planning fee: $300Advisory fee: $30/monthlyTax-loss harvesting: Must have an account balance of at least $50,000Maintenance fees: NoneBrokerage commissions: NoneService fee: NonePortfolio fee: range from 0.20% to 0.86%Maintenance fees: NoneService fees: NoneCommissions: $0 per online listed equity trade. $0 per online trade ETF, stocks options, and mutual fundsMaintenance service fee: $0Commissions: $0 online listed stock and ETFsOptions trades: $0.65 per contractTraders through a broker: $25Automated phone trades: $5Monthly service fee: NoneMaintenance fee: NoneCommissions: $0 per online listed equity trade, and online Schwab ETFsStart-up fees: starting at $2,250 Annual service fees: $1,750Commissions: $0 per online listed equity trade, and online Schwab ETFs$0 for core accounts$240,000 for professionally managed accountsMinimum grant (both account types): $50Annualized Administrative Fees: Varies by average daily value (ranges from 0.10% of assets to 0.60%)$0Monthly service fees: $0Commissions: $0 per online listed equity trade, and online Schwab ETFs$0Monthly service fees: $0Commissions: $0 per online listed equity trade, and online Schwab ETFsOther investment strategies, advisory options, and indexing minimums include:Charles Schwab's large selection of account options and investment choices results in an extensive range of fees, depending on how you choose to invest. Charles Schwab has received an A+ rating with the Better Business Bureau. The BBB uses a grade range of A+ to F when assigning its ratings, and its ratings reflect its assessment of how well a company interacts with its customers. BBB ratings don't guarantee that a company will perform well or be reliable. You may want to ask friends and family who have used Charles Schwab about their experiences or read online customer reviews.In June 2022, Charles Schwab settled a lawsuit with the SEC for charges accusing the business of hiding robo-advisor fees from its users. Charles Schwab neither admitted nor denied these claims, but agreed to pay a $187 million settlement. Charles Schwab and Fidelity Investments caters to all types of investors and traders. Both platforms offer self-directed accounts, retirement accounts, automated investing accounts, and more. However, they diverge regarding investment products, fees, and educational resources. While Fidelity's basic automated investing account, Fidelity Go, has a $0 minimum requirement, you'll need at least $5,000 to set up Schwab's equivalent account (Schwab Intelligent Portfolios Premium). However, Schwab Intelligent Portfolios makes up for its higher minimum by charging $0 in advisory fees. You may pay up to 0.35% for Fidelity Go.Fidelity offers bitcoin and ether for trading and custody services, although it is significantly more limited in its crypto selection than other investment platforms. However, Fidelity is a better option for crypto trading than Charles Schwab as it doesn't offer direct crypto trading.Fidelity reviewVanguard is another strong online broker-firm offering several account types — self-directed brokerage accounts, IRAs, automated investing accounts, and custodial accounts — at both companies. But Schwab has a wider range of offerings and platforms (e.g., its advanced StreetSmart Edge trading platform) for all types of traders. Plus, its advisor-managed account, Schwab Intelligent Portfolios Premium, has a lower account minimum requirement ($25,000) than Vanguard's equivalent (Vanguard Personal Advisor), which requires a minimum of $500,000.In addition, options traders will pay more for contracts at Vanguard. Schwab has a $0.65 contract fee, while Vanguard charges $1.Vanguard reviewWe use Business Insider's rating methodology for rating investment products to compare and examine pricing, account types, investment availability, platforms, and overall customer experience when reviewing brokerage accounts. Top brokerage firms offer different platforms for different investment needs. Platforms are given a rating between 0 and 5.Some are the best brokerage accounts for beginners, and others are ideal for more advanced investors. Charles Schwab brokerage account was evaluated with a focus on how it serves in each category.Charles Schwab is a popular online brokerage offering investing and retirement planning services for all types of investors. It's known for its quality customer service, low fees, and extensive selection of securities. Additional services include extensive real-time market research, tax-efficient investing strategies, and personalized investment advice from Schwab experts. Charles Schwab provides a transparent and competitive fee structure. Depending on the kind of account and the assets in your portfolio, you may incur certain AUM and trading fees. Schwab is an attractive option for fee-conscious investors since it does not charge account maintenance or inactivity fees. The brokerage also offers commission-free trades of stocks, ETFs, and options. Yes, beginners can use Charles Schwab effectively. Schwab offers educational tools and resources, such as expert-managed accounts and an automated account option. Charles Schwab's educational resources for beginners include investing insights, market commentary, retirement savings blog posts, and podcasts. Charles Schwab's investment research and market reports come from third-party firms like Argus and Morningstar, so experienced investors can better monitor the markets. You can also review heat maps, Schwab insights, and market commentary. Other investment research tools include stock screens, tracking charts, the Schwab Stock List of top-ranked companies, and one-on-one personalized support from experienced trading specialists.","articleSection":"Personal Finance, Investing","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is Charles Schwab, and what services does it offer?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Charles Schwab is a popular online brokerage offering investing and retirement planning services for all types of investors. It's known for its quality customer service, low fees, and extensive selection of securities. Additional services include extensive real-time market research, tax-efficient investing strategies, and personalized investment advice from Schwab experts. </p>"}},{"@type":"Question","name":"What are the fees associated with using Charles Schwab?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Charles Schwab provides a transparent and competitive fee structure. Depending on the kind of account and the assets in your portfolio, you may incur certain AUM and trading fees. Schwab is an attractive option for fee-conscious investors since it does not charge account maintenance or inactivity fees. The brokerage also offers commission-free trades of stocks, ETFs, and options. </p>"}},{"@type":"Question","name":"Can beginners use Charles Schwab effectively?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\" data-pm-slice=\"1 1 []\">Yes, beginners can use Charles Schwab effectively. 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headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Charles Schwab Trustworthiness </a> </li> <li> <a href="#how-charles-schwab-compares" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How Charles Schwab Compares </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> <li> <a href="#overall-rating" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Overall Rating </a> </li> <li> <a 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role="main" > <section id="l-content" class="is-right-rail content-with-sticky-toc" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <span class="post-breadcrumbs headline-regular "> <a href="/personal-finance" class="" data-track-click="{"product_field":"Personal Finance","element_name":"breadcrumbs","event":"navigation"}" > Personal Finance </a> <svg class="svg-icon chevron-icon post-breadcrumbs-chevron rotate270" data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#0a0a0a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/investing" class="" data-track-click="{"product_field":"Investing","element_name":"breadcrumbs","event":"navigation"}" > Investing </a> </span> </div> <h1 class="post-headline ">Charles Schwab Brokerage Review 2024: Pros, Cons and Alternatives</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Tessa Campbell" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/tessa-campbell" >Tessa Campbell</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/libby-kane" >Libby Kane</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/elias-shaya" >Elias Shaya</a> </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-08-15T15:24:33Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-08-15T15:24:33Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 3.5v3.16h1.469v-3.16a2.05 2.05 0 012.056-2.042h2.54v2.742z" 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href="#how-charles-schwab-compares" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How Charles Schwab Compares </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#why-you-should-trust-us" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#overall-rating" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Overall Rating </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Pros and Cons </a> </li> <li> <a href="#charles-schwab-trustworthiness" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Charles Schwab Trustworthiness </a> </li> <li> <a href="#how-charles-schwab-compares" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How Charles Schwab Compares </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> <li> <a href="#overall-rating" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Overall Rating </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Paid non-client promotion: Affiliate links for the products on this page are from partners that compensate us (see our <a 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However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/investing/investing-rating-methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate investing products</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="614b3f771ccd11001141b8f3" data-analytics-product-brand="Charles Schwab" data-analytics-product-name="Charles Schwab" href="https://secure.money.com/pr/v81f3c53c4d0">Charles Schwab</a> tops our list of the <a href="https://www.businessinsider.com/personal-finance/best-online-brokerage" data-analytics-product-module="body_link" rel="">best online brokerages</a>, offering something for everyone. Whether it be commission-free trading and fractional shares, Schwab has all the options you might want at industry-leading prices.</p><p>Business Insider's personal finance team compared <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="614b3f771ccd11001141b8f3" data-analytics-product-brand="Charles Schwab" data-analytics-product-name="Charles Schwab" href="https://secure.money.com/pr/v81f3c53c4d0">Charles Schwab</a> to similar options and found it to be an industry leader. We named it to multiple lists of the best investing products, including the best online brokerages, <a href="https://www.businessinsider.com/personal-finance/investing/best-investment-apps-for-beginners" data-analytics-product-module="body_link" rel="">best investing apps</a>, and <a href="https://www.businessinsider.com/personal-finance/investing/best-stock-trading-apps" data-analytics-product-module="body_link" rel="">best stock-trading apps</a>.</p><h2 data-toc-label="Understanding Charles Schwab" id="understanding-charles-schwab" class="toc-anchor">Understanding Charles Schwab</h2><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="614b3f771ccd11001141b8f3" data-analytics-product-brand="Charles Schwab" data-analytics-product-name="Charles Schwab" href="https://secure.money.com/pr/v81f3c53c4d0">Charles Schwab</a> is one of the few companies that tries to offer both "convenience" and "low cost" in one brokerage package, with more than 400 physical branches scattered throughout the US. Unlock commission-free trading at Charles Schwab for stock, <a href="https://www.businessinsider.com/personal-finance/investing/what-is-an-etf" data-analytics-product-module="body_link" rel="">ETFs</a>, and base options trades.</p><p>Charles Schwab brokerage accounts start at $0 and have notoriously low fees compared to other brokerages. However, there are high minimums for certain account levels, such as Schwab Intelligent Portfolios ($5,000 minimum) and Schwab Intelligent Portfolios Premium ($25,000).</p><p>Charles Schwab is a great brokerage option for most investors as one of the most recognizable brokers in the US. It's a beginner-friendly trading platform offering many investable securities, account options, and resources. Schwab Asset Manager is the third-largest index mutual fund provider with over 30 years of indexing experience. </p><p>You can now access spot Bitcoin ETFs on Charles Schwab in addition to Schwab Crypto Thematic ETF and the Additional ETFs & Mutual Funds portfolios that invest in equities and futures contracts related to <a href="https://www.businessinsider.com/personal-finance/investing/what-is-cryptocurrency" data-analytics-product-module="body_link" rel="">cryptocurrencies.</a> Schwab doesn't offer direct crypto investing. </p><h2 data-toc-label="How Charles Schwab Works" id="how-charles-schwab-works" class="toc-anchor">How Charles Schwab Works</h2><p>Schwab offers individual and joint brokerage account options for depositing funds and investing in stocks, <a href="https://www.businessinsider.com/personal-finance/investing/how-to-buy-bonds" data-analytics-product-module="body_link" rel="">bonds</a>, mutual funds, ETFs, and other investment opportunities. Its offerings are some of the most affordable in the industry.</p><p>Over 4,000 of Schwab's <a href="https://www.businessinsider.com/personal-finance/investing/mutual-funds" data-analytics-product-module="body_link" rel="">mutual funds</a> have minimum investment requirements of only $100 or less. Many of those funds, including all 200+ of its index funds, also come with no transaction fees or loads. However, Schwab also sells transaction-fee funds; if you decide to purchase one, it could cost you up to $49.95 per buy, which is pretty high. </p><p>Charles Schwab's customer service and support are available 24/7, with access to online tools, investment research, and Schwab's mobile app. Schwab's trading platform, StreetSmart Edge, also offers a wealth of stock data, news, charting tools, screeners, watch lists, and conditional order options to meet traders' needs. </p><p>Individual brokerage accounts get you access to more features, including in-depth analysis, portfolio performance tracker, Morningstar research, and timely market commentary from Schwab experts. Users may also utilize the thinkorswim suite. </p><h3>Schwab Retirement Accounts</h3><p>Charles Schwab offers many types of retirement savings accounts, including:</p><ul><li><a href="https://www.businessinsider.com/personal-finance/investing/what-is-a-traditional-ira" rel="">Traditional IRA</a></li><li><a href="https://www.businessinsider.com/personal-finance/investing/what-is-roth-ira" rel="">Roth IRA</a></li><li><a href="https://www.businessinsider.com/personal-finance/investing/best-rollover-ira" rel="">Rollover IRA</a></li><li>Custodial IRA</li><li><a href="https://www.businessinsider.com/personal-finance/investing/inherited-ira-rules-options" rel="">Inherited IRA</a></li></ul><p>You can also open a Personal Choice Retirement Account (PCRA), a self-directed, employer-sponsored retirement plan that lets you invest in a larger range of investment options. This includes thousands of different mutual funds and ETFs. Unlike traditional retirement accounts, a PCRA gets you more account flexibility and personal involvement.</p><p>A PCRA is only recommended for folks who want to put a lot of time and effort into making their own investment decisions and are knowledgeable in investing/saving plans. Also, Schwab doesn't allow its advisors to be appointed to PCRA accounts. But the site also states that you may be able to appoint a non-Schwab-issued independent advisor.</p><h3>Schwab Intelligent Portfolios</h3><p>Schwab Intelligent Portfolios account is the <a href="https://www.businessinsider.com/personal-finance/investing/best-robo-advisors" data-analytics-product-module="body_link" rel="">best robo-advisor</a> for account flexibility. Invest in a custom blend of diverse and low-cost Schwab ETFs aligned with your target asset allocation and risk tolerance. You'll also get access to common robo-advisor features like automatic portfolio rebalancing and tax-loss harvesting. </p><p>A risk tolerance and goal planning questionnaire determines how your portfolio is set up and how to invest your funds. </p><p>The premium version of this account gets you unlimited access to a certified financial planner (<a href="https://www.businessinsider.com/personal-finance/investing/cfp" data-analytics-product-module="body_link" rel="">CFP</a>) for one-on-one advice and guidance. It also offers interactive online planning tools like the "what-if" Play Zone stress test and a customized goal roadmap.</p><h3>529 Savings Plans</h3><p>Schwab's 529 Education Savings plan invests in a diverse portfolio of mutual funds from multiple fund families so you (or a dependent) can save for future higher education costs. You can use <a href="https://www.businessinsider.com/personal-finance/investing/what-is-a-529-plan" data-analytics-product-module="body_link" rel="">529 plan</a> funds for tuition (including K-12 costs), school supplies, apprenticeships, trade schools, room and board costs, and more.</p><p>The <a href="https://www.businessinsider.com/personal-finance/investing/best-529-plans" data-analytics-product-module="body_link" rel="">best 529 plans</a> account has multiple risk tolerance and investment strategy portfolio options, including actively managed or low-cost index fund portfolios. You can also open an additional education saving account to complement your 529 plan account. However, contributions to this account are not taxable. </p><h3>Custodial Accounts</h3><p>A Schwab One Custodial Account allows a parent/guardian to open a savings account for a child/dependent's long-term growth potential. You can invest your funds in stocks, bonds, mutual funds, ETFs, and more. Funds from a custodial account can be saved and invested for future retirement savings, college tuition costs, or down payments. </p><p>The beneficiary can access the account when they reach the age of 18 or 21, depending on the state). There are no contribution limits, but you won't get the same tax advantages that 529 plan accounts have. Instead, only the first $2,500 of the beneficiary's unearned income is tax-free (but this only applies to beneficiaries younger than 19 or a full-time college student under 25).</p><p>In 2024, there's no gift tax incurred for contributions up to $18,000 per year per beneficiary (or $36,000 for couples).</p><h3><strong>Small Business Retirement Accounts</strong></h3><ul><li>Individual 401(k) plans</li><li>Business 401(k) Plan</li><li><a href="https://www.businessinsider.com/personal-finance/investing/sep-ira" rel="">SEP IRA</a>:</li><li><a href="https://www.businessinsider.com/personal-finance/investing/simple-ira" rel="">SIMPLE IRA</a></li><li>Personal Defined Benefit Plan</li><li>Company Retirement Account (CRA)</li></ul><p>Schwab's Personal Defined Benefit plan is for self-employed individuals and small business owners aged 50 or older. Investors can make large contributions for short-term, high-risk investment strategies (at least five years). Contributions are 100% tax-deductible (within IRS limits) and grow tax-deferred. There's also no set contribution limit. Instead, limits are calculated by weighing factors like age, compensations, and goal-retirement</p><p>Schwab's Company Retirement Account (CRA), a "pension trust," is a brokerage account that holds assets from a customized retirement plan. You should only open this account if you're a plan administrator or business owner already with a retirement plan. It allows you to invest in a wide range of assets and access third-party research, tools, and expert insight. </p><h3>Schwab Managed Portfolios</h3><p>Charles Schwab-managed portfolio services get you access to actively managed, diversified portfolios of mutual funds or ETFs. There's a $25,000 required minimum investment for each portfolio, but the specifics of what's included differ as follows:  </p><ul><li><strong>A Schwab Managed Portfolio — Mutual Funds:</strong> A professional portfolio management team monitors and rebalances your mutual fund portfolio on an ongoing and annual basis. Choose from 24 taxable mutual fund portfolios diversified to your individual risk tolerance. The higher your account balance, the lower the annual management fee (ranging from 0.20% and 0.90%).</li><li><strong>A Schwab Managed Portfolio — ETFs</strong>: Access ongoing professional management by Schwab financial experts to monitor and rebalance low-cost, diversified ETFs. Choose from 12 ETF model portfolios for diverse market exposure to asset classes like commodities, private equity, and real estate. Management fees range from 0.50% to 0.90% depending on your total account balance. </li></ul><h3>Socially Responsible Investing </h3><p>Schwab Charitable is a donor-advised fund account that allows you to structure your charitable contributions with tax advantages. You can open a free core or professionally managed account. With this account, you can grow investments tax-free, itemize your deductions, and possibly eliminate capital gains tax on charitable contributions on non-cash assets.</p><p>Contribute cash, publicity traded securities, stocks, bonds, mutual funds, <a href="https://www.businessinsider.com/personal-finance/investing/how-to-invest-in-real-estate-make-money" data-analytics-product-module="body_link" rel="">real estate</a>, private equity, and more. According to its website, Schwab Charitable Accounts supported over 127,000 Charitable organizations in 2023. </p><p>Otherwise, additional ESG investment options include over 500 mutual funds and 200 ETFs. One option is Schwab Ariel ESG ETF, a long-term fund that keeps certain information secret to prevent other traders from copying or predicting the allocation. This strategy may help the ETF's performance but could also hurt it. </p><h3>Trust and Estate Accounts</h3><p>Schwab One Trust Account is an easy way to manage and protect your <a href="https://www.businessinsider.com/personal-finance/investing/how-does-a-trust-fund-work-basics" data-analytics-product-module="body_link" rel="">trust's</a> assets for estates of any size. This account comes with all the benefits that the Schwab One brokerage account offers, as well as accessible asset management, distribution of assets after death, 24/7 customer service and support, and more. </p><p>If you're an executor or court-appointed estate administrator, you can open a Schwab One Estate Account to manage and consolidate assets, access cash, pay taxes, and cover expenses. This account also has the same perks as the Schwab One brokerage account. You can quickly distribute assets to beneficiaries, transfer titles to heirs, and get an accurate value on your estate for the IRS. </p><h2><strong>Account Tools and Wealth Management</strong></h2><p>Investment research tools offered by Charles Schwab include Schwab's Portfolio Checkup tool, Schwab Stock Slices, and Charles Schwab's mobile app.</p><h3><strong>Wealth Management Tools</strong></h3><p>Charles Schwab offers many options if you're looking for investment advice and management. First, if you want to analyze a DIY portfolio, you can use Schwab's Portfolio Checkup tool anytime. It will evaluate your portfolio's performance based on your target asset allocation and recommend necessary adjustments.</p><p>Finally, if you have complicated wealth management needs, Schwab can connect you with a local advisor near you via its Schwab Advisor Network. With Schwab's Private Client service, you can get a dedicated team to build and maintain your portfolio. You'll need at least $1 million to be eligible for Schwab Private Client, and the advisory fees start at 0.80% with a $500,000 enrollment minimum.</p><h3><strong>Fractional Share Investing</strong></h3><p>Schwab Stock Slices allow users to buy fractional shares of individual stocks for as little as $5. Stock Slices make expensive stocks accessible to investors with smaller amounts of money.</p><p>For example, let's say you wanted to invest in Amazon, but one share costs hundreds of dollars when you're considering buying. You may not have that much to invest right now. Or even if you had barely enough to invest, putting most of your investing pot into just one company is risky.</p><p>But with Schwab Stock Slices, you can invest $5, $10, $100, or whatever other amount you choose in any stocks that are part of the S&P 500. And you can buy up to 10 slices at one time. </p><p>For example, you could invest $500 in four companies ($125 a piece). Or choose to separate that $500 into 10 different companies at $50 a piece, even though buying one share of each of those 10 stocks would cost you far more.</p><p>Schwab Stock Slices essentially give investors the power to build their own mutual fund out of blue-chip stocks with strong track records and dividends.</p><h3><strong>Capable Mobile Apps</strong></h3><p>Charles Schwab's mobile app experience is well-designed and feature-rich. Not only can you use the app to check your account balances quickly, but you can also use it to plan and execute trades.</p><p>The main app is just fine if you want to do lower-level research on individual stocks and basic trading. However, if you're looking for more in-depth research and charting tools, you'll probably want to download Schwab's StreetSmart app.</p><p>The main Schwab mobile app and StreetSmart are available on Google Play and Apple devices. You can log in with your Schwab username and password. Or, for extra security and convenience, you can log in using your fingerprint or Face ID.</p><h2 data-toc-label="Fees" id="fees" class="toc-anchor">Charles Schwab Fees</h2><p>Most Charles Schwab brokerage account options have $0 opening and maintenance fees and $0 account minimums. However, a few portfolio options and account types charge higher minimums and fees.</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 185px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 45px;"><td style="width: 28.6364%; height: 45px;" class="headline-regular headline-semibold">Account option</td><td style="width: 21.3636%; height: 45px;" class="headline-regular headline-semibold">Account minimum</td><td style="width: 25%; height: 45px;" class="headline-regular headline-semibold">Fees</td></tr><tr><td style="width: 28.6364%;" class="headline-regular headline-semibold">Brokerage accounts</td><td style="width: 21.3636%;" class="headline-regular">$0</td><td style="width: 25%;" class="headline-regular"><p class="headline-regular">Maintenance fee: None</p><p class="headline-regular">Commissions: $0 per online listed equity trade, and online Schwab ETFs</p></td></tr><tr style="height: 52px;"><td style="width: 28.6364%; height: 52px;" class="headline-regular headline-semibold">Retirement accounts</td><td style="width: 21.3636%; height: 52px;" class="headline-regular">$0</td><td style="width: 25%; height: 52px;" class="headline-regular"><p class="headline-regular">Maintenance fees: None</p><p class="headline-regular">Service fees: None</p></td></tr><tr><td style="width: 28.6364%;" class="headline-regular headline-semibold">Personal Choice Retirement Account</td><td style="width: 21.3636%;" class="headline-regular">$0</td><td style="width: 25%;" class="headline-regular"><p class="headline-regular">Equity commissions: $0 online trades</p><p class="headline-regular">Broker-assisted trades: $25</p><p class="headline-regular">Maintenance fee: May be charged</p></td></tr><tr style="height: 22px;"><td style="width: 28.6364%; height: 22px;" class="headline-regular headline-semibold">Schwab Intelligent Portfolios</td><td style="width: 21.3636%; height: 22px;" class="headline-regular">$5,000</td><td style="width: 25%; height: 22px;" class="headline-regular"><p class="headline-regular">Advisory fees: None</p><p class="headline-regular">Commission fees: None</p><p class="headline-regular">Tax-loss harvesting: Must have an account balance of at least $50,000</p></td></tr><tr style="height: 22px;"><td style="width: 28.6364%; height: 22px;" class="headline-regular headline-semibold">Schwab Intelligent Portfolio Premium</td><td style="width: 21.3636%; height: 22px;" class="headline-regular">$25,000</td><td style="width: 25%; height: 22px;" class="headline-regular"><p class="headline-regular">One-time planning fee: $300</p><p class="headline-regular">Advisory fee: $30/monthly</p><p class="headline-regular">Tax-loss harvesting: Must have an account balance of at least $50,000</p></td></tr><tr style="height: 22px;"><td style="width: 28.6364%; height: 22px;" class="headline-regular headline-semibold">Schwab 529 Education Savings Plan</td><td style="width: 21.3636%; height: 22px;" class="headline-regular">$0</td><td style="width: 25%; height: 22px;" class="headline-regular"><p class="headline-regular">Maintenance fees: None</p><p class="headline-regular">Brokerage commissions: None</p><p class="headline-regular">Service fee: None</p><p class="headline-regular">Portfolio fee: range from 0.20% to 0.86%</p></td></tr><tr style="height: 22px;"><td style="width: 28.6364%; height: 22px;" class="headline-regular headline-semibold">Education Savings Account</td><td style="width: 21.3636%; height: 22px;" class="headline-regular">$0</td><td style="width: 25%; height: 22px;" class="headline-regular"><p class="headline-regular">Maintenance fees: None</p><p class="headline-regular">Service fees: None</p><p class="headline-regular">Commissions: $0 per online listed equity trade. $0 per online trade ETF, stocks options, and mutual funds</p></td></tr><tr><td style="width: 28.6364%;" class="headline-regular headline-semibold">Schwab One Custodial Account</td><td style="width: 21.3636%;" class="headline-regular">$0</td><td style="width: 25%;" class="headline-regular"><p class="headline-regular">Maintenance service fee: $0</p><p class="headline-regular">Commissions: $0 online listed stock and ETFs</p><p class="headline-regular">Options trades: $0.65 per contract</p><p class="headline-regular">Traders through a broker: $25</p><p class="headline-regular">Automated phone trades: $5</p></td></tr><tr><td style="width: 28.6364%;" class="headline-regular headline-semibold">Individual 401(k) Plan, SEP IRA, SIMPLE IRA</td><td style="width: 21.3636%;" class="headline-regular">$0</td><td style="width: 25%;" class="headline-regular"><p class="headline-regular">Monthly service fee: None</p><p class="headline-regular">Maintenance fee: None</p><p class="headline-regular">Commissions: $0 per online listed equity trade, and online Schwab ETFs</p></td></tr><tr><td style="width: 28.6364%;" class="headline-regular headline-semibold">Schwab Personal Defined Benefit Plan</td><td style="width: 21.3636%;" class="headline-regular"><p class="headline-regular">Start-up fees: starting at $2,250</p><p class="headline-regular"> </p></td><td style="width: 25%;" class="headline-regular"><p class="headline-regular">Annual service fees: $1,750</p><p class="headline-regular">Commissions: $0 per online listed equity trade, and online Schwab ETFs</p></td></tr><tr><td style="width: 28.6364%;" class="headline-regular headline-semibold">Schwab Charitable</td><td style="width: 21.3636%;" class="headline-regular"><p class="headline-regular">$0 for core accounts</p><p class="headline-regular">$240,000 for professionally managed accounts</p></td><td style="width: 25%;" class="headline-regular"><p class="headline-regular">Minimum grant (both account types): $50</p><p class="headline-regular">Annualized Administrative Fees: Varies by average daily value (ranges from 0.10% of assets to 0.60%)</p></td></tr><tr><td style="width: 28.6364%;" class="headline-regular headline-semibold">Schwab One Trust Account</td><td style="width: 21.3636%;" class="headline-regular"><p class="headline-regular">$0</p></td><td style="width: 25%;" class="headline-regular"><p class="headline-regular">Monthly service fees: $0</p><p class="headline-regular">Commissions: $0 per online listed equity trade, and online Schwab ETFs</p></td></tr><tr><td style="width: 28.6364%;" class="headline-regular headline-semibold">Schwab One Estate Account</td><td style="width: 21.3636%;" class="headline-regular"><p class="headline-regular">$0</p></td><td style="width: 25%;" class="headline-regular"><p class="headline-regular">Monthly service fees: $0</p><p class="headline-regular">Commissions: $0 per online listed equity trade, and online Schwab ETFs</p></td></tr></tbody></table></div><p>Other investment strategies, advisory options, and indexing minimums include:</p><ul><li><strong>Schwab Wealth Advisory</strong>: $500,000 enrollment minimum</li><li><strong>Schwab Advisor Network:</strong> $500,000 investment minimum</li><li><strong>Managed Account Select Equities strategies:</strong> $100,000 minimum</li><li><strong>Managed Account Select Fixed Income Strategies:</strong> $250,000 minimum</li><li><strong>Schroeder Strategies:</strong> $250,000 investment minimum</li><li><strong>Windhaven Strategies:</strong> $100,000 investment minimum</li><li><strong>ThomasPartners Strategies:</strong> $100,000 investment minimum</li><li><strong>Schwab Personalized Indexing:</strong> $100,000 investment minimum</li></ul><p>Charles Schwab's large selection of account options and investment choices results in an extensive range of fees, depending on how you choose to invest. </p><h2 data-toc-label="Pros and Cons" id="pros-and-cons" class="toc-anchor">Pros and Cons of Charles Schwab</h2><h3>Charles Schwab Pros</h3><ul><li>No minimum to open an account</li><li>Automated account options</li><li>More than 8,000 no-transaction-fee mutual funds and even more low-cost index funds</li><li>Access to sophisticated trading tools, 24/7 customer service, and research</li><li>Multiple investment options (stocks, bonds, ETFs, mutual funds, options, futures)</li></ul><h3>Charles Schwab Cons</h3><ul><li>High account minimum for Schwab Intelligent Portfolios and Schwab Intelligent Portfolios Premium</li><li>Can't trade individual cryptocurrencies</li></ul><h2 data-toc-label="Charles Schwab Trustworthiness" id="charles-schwab-trustworthiness" class="toc-anchor">Charles Schwab Trustworthiness</h2><p>Charles Schwab has received an A+ rating with the <a href="https://www.bbb.org/us/mi/grand-rapids/profile/investment-security/charles-schwab-0372-38158508/addressId/1" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Better Business Bureau</a>. The BBB uses a grade range of A+ to F when assigning its ratings, and its ratings reflect its assessment of how well a company interacts with its customers. </p><p>BBB ratings don't guarantee that a company will perform well or be reliable. You may want to ask friends and family who have used Charles Schwab about their experiences or read online customer reviews.</p><p>In June 2022, Charles Schwab settled a <a href="https://www.sec.gov/news/press-release/2022-104" target="_blank" rel="noopener" data-analytics-product-module="body_link">lawsuit with the SEC</a> for charges accusing the business of hiding robo-advisor fees from its users. Charles Schwab neither admitted nor denied these claims, but agreed to pay a $187 million settlement.  </p><h2 data-toc-label="How Charles Schwab Compares" id="how-charles-schwab-compares" class="toc-anchor">Charles Schwab Alternatives</h2><h3><strong>Charles Schwab vs. Fidelity</strong></h3><p>Charles Schwab and Fidelity Investments caters to all types of investors and traders. Both platforms offer self-directed accounts, retirement accounts, automated investing accounts, and more. However, they diverge regarding investment products, fees, and educational resources. </p><p>While Fidelity's basic automated investing account, Fidelity Go, has a $0 minimum requirement, you'll need at least $5,000 to set up Schwab's equivalent account (Schwab Intelligent Portfolios Premium). However, Schwab Intelligent Portfolios makes up for its higher minimum by charging $0 in advisory fees. You may pay up to 0.35% for Fidelity Go.</p><p>Fidelity offers bitcoin and ether for trading and custody services, although it is significantly more limited in its crypto selection than other investment platforms. However, Fidelity is a better option for crypto trading than Charles Schwab as it doesn't offer direct crypto trading.</p><p><em><a href="https://www.businessinsider.com/personal-finance/investing/fidelity-investments-review" data-analytics-product-module="body_link" rel="">Fidelity review</a></em></p><h3><strong>Charles Schwab vs. Vanguard</strong></h3><p>Vanguard is another strong online broker-firm offering several account types — self-directed brokerage accounts, IRAs, automated investing accounts, and custodial accounts — at both companies. </p><p>But Schwab has a wider range of offerings and platforms (e.g., its advanced StreetSmart Edge trading platform) for all types of traders. Plus, its advisor-managed account, Schwab Intelligent Portfolios Premium, has a lower account minimum requirement ($25,000) than Vanguard's equivalent (Vanguard Personal Advisor), which requires a minimum of $500,000.</p><p>In addition, options traders will pay more for contracts at Vanguard. Schwab has a $0.65 contract fee, while Vanguard charges $1.</p><p><em><a href="https://www.businessinsider.com/personal-finance/investing/vanguard-investing-review" data-analytics-product-module="body_link" rel="">Vanguard review</a></em></p><h2 data-toc-label="Why You Should Trust Us" id="why-you-should-trust-us" class="toc-anchor">Methodology: How We Reviewed Charles Schwab</h2><p>We use <a href="https://www.businessinsider.com/personal-finance/investing-rating-methodology" data-analytics-product-module="body_link" data-analytics-post-depth="40" data-uri="1e7dbf4d20cf8ea560b3bfad6f2750b5" rel="">Business Insider's rating methodology for rating investment products</a> to compare and examine pricing, account types, investment availability, platforms, and overall customer experience when reviewing brokerage accounts. Top brokerage firms offer different platforms for different investment needs. Platforms are given a rating between 0 and 5.</p><p>Some are the best brokerage accounts for beginners, and others are ideal for more advanced investors. Charles Schwab brokerage account was evaluated with a focus on how it serves in each category.</p><h3 data-toc-label="Overall Rating" id="overall-rating" class="toc-anchor">Business Insider's Overall Charles Schwab Rating</h3><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 154px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Feature</strong></td><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Rating (out of 5)</strong></td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Fees</td><td style="width: 50%; text-align: center; height: 22px;" class="headline-regular">5.00</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Investment selection</td><td style="width: 50%; text-align: center; height: 22px;" class="headline-regular">4.75</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Access</td><td style="width: 50%; text-align: center; height: 22px;" class="headline-regular">4.65</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Ethics</td><td style="width: 50%; text-align: center; height: 22px;" class="headline-regular">5.00</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Customer service</td><td style="width: 50%; text-align: center; height: 22px;" class="headline-regular">5.00</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Overall score</td><td style="width: 50%; text-align: center; height: 22px;" class="headline-regular">4.88</td></tr></tbody></table></div><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">Frequently Asked Questions About Charles Schwab</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is Charles Schwab, and what services does it offer? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Charles Schwab is a popular online brokerage offering investing and retirement planning services for all types of investors. It's known for its quality customer service, low fees, and extensive selection of securities. Additional services include extensive real-time market research, tax-efficient investing strategies, and personalized investment advice from Schwab experts. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are the fees associated with using Charles Schwab? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Charles Schwab provides a transparent and competitive fee structure. Depending on the kind of account and the assets in your portfolio, you may incur certain AUM and trading fees. Schwab is an attractive option for fee-conscious investors since it does not charge account maintenance or inactivity fees. The brokerage also offers commission-free trades of stocks, ETFs, and options. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can beginners use Charles Schwab effectively?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer" data-pm-slice="1 1 []">Yes, beginners can use Charles Schwab effectively. Schwab offers educational tools and resources, such as expert-managed accounts and an automated account option. Charles Schwab's educational resources for beginners include investing insights, market commentary, retirement savings blog posts, and podcasts. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What investment research and tools does Charles Schwab offer?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Charles Schwab's investment research and market reports come from third-party firms like Argus and Morningstar, so experienced investors can better monitor the markets. You can also review heat maps, Schwab insights, and market commentary. Other investment research tools include stock screens, tracking charts, the Schwab Stock List of top-ranked companies, and one-on-one personalized support from experienced trading specialists. </p> </div> </div> </div><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=investing&resize=1&ident=99&pub_inventory=investing/charles-schwab-investing-review-pfi-investing" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/tessa-campbell" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="tessa-campbell"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6494561e65b9ce0018a46b81?crop=1:1&width=256&format=jpeg&auto=webp" alt="Tessa Campbell"> <noscript> <img src="https://i.insider.com/6494561e65b9ce0018a46b81?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/tessa-campbell" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Tessa Campbell</div> </a> <div class="post-author_title headline-regular">Investing and Retirement Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Tessa Campbell is an investing and retirement reporter on Business Insider’s personal finance desk. Over two years of personal finance reporting, Tessa has built expertise on a range of financial topics, from the best credit cards to the best retirement savings accounts.</span>Experience<span>Tessa currently reports on all things investing — deep-diving into complex financial topics,  shedding light on lesser-known investment avenues, and uncovering ways readers can work the system to their advantage.</span><span></span><span>As a personal finance expert in her 20s, Tessa is acutely aware of the impacts time and uncertainty have on your investment decisions. While she curates Business Insider’s guide on the best investment apps, she believes that your financial portfolio does not have to be perfect, it just has to exist. A small investment is better than nothing, and the mistakes you make along the way are a necessary part of the learning process.</span>Expertise: <span>Tessa’s expertise includes:</span><ul><li><span>Credit cards</span></li><li><span>Investing apps</span></li><li><span>Retirement savings</span></li><li><span>Cryptocurrency</span></li><li><span>The stock market</span></li><li><span>Retail investing</span></li></ul>Education: <span>Tessa graduated from Susquehanna University with a creative writing degree and a psychology minor.</span><span>When she’s not digging into a financial topic, you’ll find Tessa waist-deep in her second cup of coffee. She currently drinks Kitty Town coffee, which blends her love of coffee with her love for her two cats: Keekee and Dumpling. It was a targeted advertisement, and it worked.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="elias-shaya"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" alt="Elias Shaya looks at the camera. He stands outdoors, wearing a black jacket, with a city in the distant background."> <noscript> <img src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Elias Shaya</div> </a> <div class="post-author_title headline-regular">Compliance Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Elias Shaya is a Compliance Associate on the Personal Finance Insider team based in New York City, which ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.</span><span>The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Elias is the point person for the loans sub-vertical and works with the editorial team to ensure that all rates and information for personal and student loans are up-to-date and accurate.</span><span>He joined Insider in February 2022 as a fellow on the compliance team.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 4.75% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 4.75% APY when you deposit at least $250 per month, earn 3.75% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - 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