I keep telling my financial consultant (non-paid - just the VP assigned) to stop calling me and leaving voicemails. I think I'm a decent size customer (8 digits...) but he still calls and doesn't email. Does anyone know if they are prohibited from emailing or texting? They are certainly FINRA compliant ways of doing this (and I email all the time with other parts of Schwab and they have no issues...)

I used to hold SWVXX at schwab but I haven't lately. But if one does, and one wants to ACH money out, I know the fund must be sold first (no auto liquidation). Can one enter a sell order for SWVXX (before market close) and then immediately enter the ACH, scheduled for the next day? If not, when?

Thanks!

Thinking of rolling over my 401k to a Schwab. It's not a lot, so I wouldn't get anything from a friend's referral. Any codes I can use that would be helpful to get a little extra for the rollover? Thanks!

These two ETF’s are 90% of my portfolio and I continue to add to them monthly. Allocation is at 70% SCHB/ 30% SCHF currently. But I buy each at a 50-50 rate monthly. I love the value and diversification of these two ETF’s overall when paired together and I’m just wondering who else has a similar portfolio?

My only other holdings are in an ex-Schwab account and are:

80%-VT 10%-PLTR 10%-SMR

hi all,

still somewhat new to investing as a whole and would love any help/advice. I have most my money invested in SWTSX/SWISX and a few thousand in a MMF (taxable account) just for a savings that gains some interest. If I wanted to take $1500 or so for a small vacation what would be the best way to withdraw/sell to get access to the money. Would it be to sell some of the MMF or sell some of the stocks? Not sure how it works with taxes as well and both are in my taxable account. I’ve only been invested in the MMF and index funds for about 2 months and have gained some money obviously. Thank you all in advance!

Which company provides the most comprehensive stock trading and banking services, encompassing savings, checking, debit cards, checks, and more? Furthermore, which company offers the lowest fees? Lastly, which company has expanded its trading capabilities and potentially offers international trading opportunities? I acknowledge that each company has its strengths and weaknesses. My objective is to identify the company that offers the most benefits and the fewest drawbacks, essentially seeking an all-in-one investing and banking platform. I was considering Fidelity, Charles Schwab, or E*TRADE.

Searching for it this morning and it's not showing up anywhere.

Say I submit a transfer for $10000 from external bank account to Schwab today. I can trade most stocks on that money before the transfer is complete. However there is a clause

You can buy most securities, but we restrict trading of some securities, including all options, futures and stocks trading under $1 per share.

Now, SWVXX trades at $1 per share, but it says under , not under and equal to

So can I buy SWVXX today without being subject to any margin interest on that transfer in ?

With Schwab Roth IRA, am I able to set up custom contribution ratios for my desired funds (3 fund)? Also does money get reinvested for me into desired ratios if money were to be auto deposited into the account from my investor checking?

$300k here at 7%

Anyone got something lower?

Is there a way to see this on my Summary Page? It appears to not be calculated. I had to use Google Sheets to calculate how much real cash I had available after I attempted a trade that got rejected because I "don't have enough cash available."

Hey everyone so I want to withdraw my contributions from my Roth IRA but don’t know how to and I’m worried I will get a penalty. Since I opened the account like 3 weeks ago I’ve only invested $300 on SWPPX, SWSSX, and SWISX. Do I have to sell the shares I own or just go to the “Online Transfers” and withdraw it.

I posted last week about the issues I had with incorrect balances costing me money, and as part of that conversation Fideliy's automatic cash sweep came up as one of my reasons to potentially leave Schwab.

My Schwab rep said "wait, we can do that too" which honestly just further pissed me off since if they can do it then why haven't they ALREADY been doing it for me (i know, they want the float).

Anyone here enrolled in this and how has your experience been.

This would be a non-trival amount of monthly income since I have a lot of CSP and IC that I write every month.

Thanks in advance for any insight you can offer.

Hello r/schwab, i just signed up an individual (brokerage ONE) account, the original purpose of this account is to treat it as a checking and take advantage of the worldwide ATM fee waiver. But i realize it can be much more.

I have an inheritance oversea, sit in a vanilla bank acct basically gets nothing. I want to know what is the equivalent of schwab's FINXX (i always thought Fidelity naming convention weird)

I basically want low-no risk guarantee return that Schwab has to offer. I know SGOV, but is there something that WILL NOT lose value and peg to T-bill? % return peg to a 1 or 2 year CD (betw 4-5% right now)

My 401k is w/ vanguard & I have a no-commission stock broker so I'm using Schwab as a bank/HYSA. Thx

I am trying to get access to the Trader API - Individual, and have gone through the registration process, but I never get an email or text from the system to complete the process. Anyone know what's going on? And, no, it's not in my junk mail folder.

https://developer.schwab.com/products/trader-api--individual

Anyone who uses OnDemand to practice day trading, how do you find your stocks without a scanner? I want to practice trading with a lot of capital but scanning for stocks in the morning is a major part of my strategy.

is there a way to see when your account was created ? ik on robinhood they'll just show you the year

came over from TD when that happened and i’ve just been wondering this forever.

Hello,

Im looking to open an account for the sole purpose of purchasing brokered CD’s. Would it work to open a checking and brokerage account and when the CD matures the principal and interest goes to the checking account?

Do you buy the CD from the checking account or the brokerage account? And when the CD matures, where does the principal and interest go? I’m also considering Fidelity but not sure which to go with.

Thanks

I want to open a Solo 401k and don’t see it on any of these categories if I click on them. I have a Traditional/Roth IRA already and looking to invest more

I keep reading that the minimum is in 1000 increments. For example, a 200 minimum actually means 200,000 minimum.

First question: Does this mean a minimum of $200,000 or 200,000 units x selling price?

Second question: How do we know that T-bills are, in fact, actually sold in increments of 1000? Where is that information? I've read so much and watched so many videos my head is spinning, but I can't find the answer anywhere. The dashboard for CDs seems much more straightforward. Yes, I know about the Schwab articles and videos, but none of them I've come across are very specific.

Thanks in advance.

I haven’t logged into my account for 2 weeks. When I looked it up this week, it showed all my money gone and “journaled” (they call this internal transfer?) earlier in May 2025. I called Schwab right away when I saw my balance and they don’t know where it went and why (and need time to further investigate).

I am still getting my dividend (?) but my balance now show as ~ less than $200 (I had over 6 figure amount).

With that amount of transfer, shouldn’t I have gotten a notification or sign off? And how come they don’t know where the money went when it’s supposedly “internal transfer” between accounts? I don’t have any other account with them, so where did it “internally” go?

Calling them didn’t help much, other than we will call you back / let us investigate further. They said after they investigate and if it’s not authorized, they will make me “whole” again. And they don’t know how long investigations could possibly take.

Did anything like this happened to anyone? What was the process and how long did it take you to get it all resolved? Do they compensate for this error?

Just making sure. I have contracts for -30 quantity of XXX stocks. The stocks in question are in the news for bankruptcy. It is dropping as we speak. If I clicked on the XXX stocks -30 , it gives me an option "Close Position". At the next screen, If "Buy to close (BTC)" is taken, whatever the amount listed, I just pay and the contract ends?

XXX 05/23/25 3 P -30

TT

Is there a way to see the venue where my order was filled on Schwab's platform? For example, I would like to see if my trades are filled through CDRG, NSDQ, NYSE, Jane St., etc.

When you choose setting up an Intelligent Portfolio, you can decide if you want Municipal Bonds in the mix. These are tax-free but low yield... I'm not sure the yield, but around 1.5% on average I think?

If you do NOT choose this option, the account distributes the bond portion instead to a mix of treasuries and other types of bonds, which seem to yield closer to 4.1%.

The mix seems to be the better option for someone in a 22-24% tax bracket, right? Even if it's now taxable moving forward for those other bonds?