SIRT
SIRT

Schwab Indexed Retirement Trusts

The Schwab Indexed Retirement Trusts® (SIRTs) are Collective Investment Trusts (CITs) maintained by Charles Schwab Trust Bank (Schwab Trust Bank or CSTB).

Seeking to provide total return for investors in or near particular target retirement date

The Trusts are comprehensive investment portfolios that adjust asset allocations over time to better match the assumed changing risk tolerances and return objectives of investors over time. The SIRTs primarily use passive strategies. They are diversified through exposure to a variety of asset classes that may include, but are not limited to, domestic and international equity, emerging markets equity, global real estate, intermediate-term bonds, world bonds, inflation-protected bonds (U.S. TIPS), short-term bonds, and cash/cash equivalents.


The SIRT Glidepath.

This Trust’s target date is the date when investors are expected to begin gradual withdrawal of Trust assets. For an investor planning to retire in 2025 at age 65, for example, the target allocation for the Schwab Indexed Retirement Trust 2025 will be approximately 40% equity, 56% fixed income, and 4% cash and cash equivalents (see chart). The Trust will continue to increase its allocation to fixed income until the year 2045. In 2045, the Trust will reach its most conservative allocation of approximately 25% equity, 69% fixed income, and 6% cash and cash equivalents.

The values of the Trusts will fluctuate up to and after the target date. There is no guarantee the Trusts will provide adequate income at or through retirement.

Chart showing percentages of SMRT allocation including equity, fixed income, and cash.

Schwab Indexed Retirement Trusts

  • Target Date
  • Unit Class I
  • Unit Class IV1
  • Target Date
    2010
  • Unit Class I
    Inception Date: 01/05/2009 
    Expense Ratio: 0.07%
  • Unit Class IV1
    Inception Date: 02/01/2021
    Expense Ratio: 0.05%
  • Target Date
    2015
  • Unit Class I
    Inception Date: 01/08/2009
    Expense Ratio: 0.07%
  • Unit Class IV1
    Inception Date: 02/01/2021
    Expense Ratio: 0.05% 
  • Target Date
    2020
  • Unit Class I
    Inception Date: 01/05/2009
    Expense Ratio: 0.07%
  • Unit Class IV1
    Inception Date: 02/01/2021
    Expense Ratio: 0.05%
  • Target Date
    2025
  • Unit Class I
    Inception Date: 01/08/2009
    Expense Ratio: 0.07% 
  • Unit Class IV1
    Inception Date: 02/01/2021
    Expense Ratio: 0.05%
  • Target Date
     2030 
  • Unit Class I
    Inception Date: 01/05/2009
    Expense Ratio: 0.07%
  • Unit Class IV1
    Inception Date: 02/01/2021
    Expense Ratio: 0.05%
  • Target Date
    2035 
  • Unit Class I
    Inception Date: 01/08/2009
    Expense Ratio: 0.07%
  • Unit Class IV1
    Inception Date: 02/01/2021
    Expense Ratio: 0.05%
  • Target Date
    2040
  • Unit Class I
    Inception Date: 01/05/2009
    Expense Ratio: 0.07%
  • Unit Class IV1
    Inception Date: 02/01/2021 
    Expense Ratio: 0.05%
  • Target Date
    2045
  • Unit Class I
    Inception Date: 01/08/2009
    Expense Ratio: 0.07%
  • Unit Class IV1
    Inception Date: 02/01/2021
    Expense Ratio: 0.05%
  • Target Date
    2050
  • Unit Class I
    Inception Date: 01/05/2009
    Expense Ratio: 0.07%
  • Unit Class IV1
    Inception Date: 02/01/2021
    Expense Ratio: 0.05%
  • Target Date
    2055
  • Unit Class I
    Inception Date: 08/29/13
    Expense Ratio: 0.07%
  • Unit Class IV1
    Inception Date: 02/01/2021
    Expense Ratio: 0.05%
  • Target Date
    2060
  • Unit Class I
    Inception Date: 12/21/2015
    Expense Ratio: 0.07%
  • Unit Class IV1
    Inception Date: 02/01/2021
    Expense Ratio: 0.05%
  • Target Date
    2065
  • Unit Class I
    Inception Date: 2/19/2021
    Expense Ratio: 0.07%
  • Unit Class IV1
    Inception Date: 02/01/2021 
    Expense Ratio: 0.05%

Our industry-leading sub-advisors:

  • BlackRock

  • Mellon Investments Corporation

  • State Street Global Advisors

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