Target Date
Target Date

Schwab Bank Target Date Trusts

Schwab Bank Target Date Trusts with the exception of the Schwab Managed Retirement Trust Income Trust* seek to provide total return for investors at or nearing specific target retirement dates. The Trusts are offered in vintages in five-year increments between 2010 and 2065 and have been established solely for qualified plans and certain other retirement trusts.


Schwab offers two types of target date trusts.

  • Blend: Schwab Managed Retirement Trusts™ (SMRT)

    The SMRTs employ a blend of active and passive strategies, with the goal of providing total return for investors at or nearing particular target retirement dates. There is also the SMRT Income trust for individuals in or near retirement.

  • Passive: Schwab Indexed Retirement Trust Funds® (SIRT)

    The SIRTs primarily employ passive strategies, seeking to provide total return for investors at or near a particular target retirement date.


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