When a friend refers you and you become a new Schwab client, you can earn up to $1,000 as a bonus award. To qualify, you must enroll in the offer and make a qualifying net deposit of cash or securities. Bonus amounts vary by deposit level: $1,000 for deposits of $500,000 or more; $500 for deposits of $100,000–$499,999; $300 for deposits of $50,000–$99,999; $100 for deposits of $25,000–$49,999. The referral code is applied automatically when opening an account via the referral link. Qualifying net deposit must be made within 45 days of account opening. Bonus is deposited approximately one week after the 45-day period. Offer subject to terms and conditions; not available to U.S. residents only; non-U.S. residents subject to country-specific restrictions.

Schwab Intelligent Portfolios is an automated investment advisory service that provides professional-grade technology to help build and manage your portfolio. The service includes automated rebalancing and a diversified selection of ETFs tailored to your financial goals and risk profile.

Open a Charles Schwab account online to start managing your retirement portfolio with access to specialized tools, advice, and investment products.

Access a wide range of expert insights, including market updates, trading outlooks, and in-depth analysis on US and international stocks, fixed income, and government affairs. This free educational resource is designed to help investors make informed decisions about their portfolios and is available on the Charles Schwab website without requiring a login for general commentary.

Charles Schwab offers a satisfaction guarantee for its brokerage and banking services. If you are not completely satisfied for any reason, at your request, Schwab or Schwab Bank will refund any eligible fee or commission. This commitment to client satisfaction is part of Schwab's service standard and subject to specific terms and conditions.