Kami percaya Anda harus selalu tahu apa yang Anda bayar dan tidak pernah membayar lebih. Pertanyaan Umum Berapa biaya untuk membuka rekening Tidak ada biaya untuk membuka dan memelihara akun Schwab. Berapa biaya untuk melakukan perdagangan Apakah Anda membebankan komisi perdagangan Saham online dan perdagangan ETF (untuk ETF yang bukan bagian dari Schwab ETF OneSourcetrade) adalah 6,95 per transaksi. Biaya reksadana (untuk reksadana yang bukan merupakan bagian dari Swiss Mutual Fund OneSourcereg) adalah 76 per transaksi Schwab ETF OneSourcetrade dan Swiss Mutual Fund OneSourcereg menawarkan ratusan ETF dan reksa dana terpilih tanpa biaya apapun. Semua memerlukan biaya tambahan 5.00 untuk perdagangan telepon dan 25.00 untuk perdagangan dengan broker. Berapa biaya untuk konsultasi investasi atau pengelolaan portofolio yang berkelanjutan Biaya kompetitif berkisar dari Schwab Intelligent Portfoliosreg (ditawarkan oleh Schwab Wealth Investment Advisory, Inc.) tanpa biaya konsultasi, tidak ada komisi, dan tidak ada biaya layanan telepon. Menjadi 0,95 untuk portofolio yang dikelola secara profesional dan banyak pilihan di antaranya. Plus, tidak ada biaya untuk berbicara dengan konsultan keuangan Schwab. Apa perbedaan antara perdagangan telepon dan perdagangan dengan broker? Perdagangan telepon adalah perdagangan yang dilakukan oleh investor melalui telepon. Perdagangan dengan broker dibantu adalah perdagangan yang dilakukan oleh konsultan keuangan broker. Perhatikan bahwa seorang investor dapat menghubungi konsultan broker untuk membantu perdagangan tanpa biaya, selama investor, bukan broker, benar-benar menempatkan perdagangan. Jika saya melakukan perdagangan secara online tapi saya menelpon dengan pertanyaan tentang perdagangan, apakah saya harus membayar biaya perdagangan broker-Aided No, selama Anda melakukan perdagangan sendiri, Anda tidak perlu membayar broker-assisted. Biaya perdagangan Saat bepergian ke luar negeri, apakah Akun Pemeriksa Investor Yield Schwab Bank memiliki biaya ATM dan mata uang Schwab Bank menawarkan potongan biaya kartu ATM yang tidak terbatas untuk penarikan tunai menggunakan kartu Platinum Bank Swiss Visareg. Schwab Bank tidak membebankan biaya transaksi valuta asing untuk pembelian yang dilakukan dari Akun Pemeriksa Investor Yield Schwab Bank dengan kartu debet Anda. 26 Buka akun Anda hari ini Mari kita lanjutkan langkah selanjutnya. Bergabunglah dengan percakapan kami Lihat Panduan Harga Charles Schwab untuk Investor Perorangan (Panduan) dan amandemen Panduan untuk rincian biaya yang komprehensif. Investor harus mempertimbangkan dengan hati-hati informasi yang terdapat dalam prospektus, termasuk tujuan investasi, risiko, biaya, dan biaya. Anda bisa meminta prospektus dengan menghubungi 1-800-435-4000. Silahkan baca prospektus dengan seksama sebelum berinvestasi. Hasil investasi akan berfluktuasi dan tunduk pada volatilitas pasar, sehingga saham investor, jika ditebus atau dijual, mungkin bernilai lebih atau kurang dari biaya awal mereka. Tidak seperti reksadana, saham ETF tidak dapat ditukar secara langsung dengan ETF. Saham dibeli dan dijual dengan harga pasar, yang mungkin lebih tinggi atau lebih rendah dari nilai aset bersih (neto). 1. Pembatasan berlaku: Komisi 6,95 tidak berlaku untuk transaksi saham asing, transaksi blok besar yang memerlukan penanganan khusus, atau transaksi saham terbatas. Saham biasa asing yang melakukan perdagangan online di pasar over-the-counter (OTC) A. S. dan tidak tinggal di AS akan memiliki 50 biaya transaksi asing yang ditambahkan ke biaya transaksi. Semua perdagangan telepon dengan bantuan broker dan otomatis dikenai biaya layanan. Lihat Charles Pricing Guide untuk Individu Investor dengan jadwal penuh dan jadwal komisi. Transaksi kompensasi ekuitas karyawan tunduk pada jadwal komisi yang terpisah. Jaminan Kepuasan Schwab. Jika Anda tidak puas sepenuhnya dengan alasan apapun, atas permintaan Anda Charles Schwab amp Co. Inc (Schwab) atau Bank Charles Schwab (Bank Schwab), sebagaimana berlaku, akan mengembalikan biaya yang memenuhi syarat yang terkait dengan kekhawatiran Anda dalam jangka waktu yang dipersyaratkan. Schwab memiliki hak untuk mengubah atau menghentikan garansi setiap saat. Pergi ke kepuasaan untuk mempelajari apa yang disertakan dan bagaimana cara kerjanya. 2. Ketentuan Terapkan: Perdagangan dalam ETF yang tersedia melalui Schwab ETF OneSource (termasuk Schwab ETFs) tersedia tanpa komisi saat ditempatkan secara online di akun Schwab. Biaya layanan berlaku untuk pesanan perdagangan yang dilakukan melalui broker (25) atau dengan telepon otomatis (5). Biaya pemrosesan pertukaran berlaku untuk transaksi jual. Beberapa jenis transaksi Schwab ETF OneSource tidak memenuhi syarat untuk pengabaian komisi, seperti penjualan singkat dan pembelian untuk menutupi (tidak termasuk ETF Schwab). Schwab berhak mengubah ETF yang kami sediakan tanpa komisi. Semua ETF tunduk pada biaya dan biaya pengelolaan. Silakan lihat Charles Pricing Guide untuk informasi tambahan. Semua ETF tunduk pada biaya dan biaya pengelolaan. Silakan lihat panduan harga untuk informasi tambahan. Charles Schwab amp Co. Inc. menerima remunerasi dari perusahaan ETF pihak ketiga yang berpartisipasi dalam Schwab ETF OneSource untuk pencatatan, layanan pemegang saham dan layanan administrasi lainnya, termasuk pengembangan dan pemeliharaan program. ETF Schwab didistribusikan oleh SEI Investments Distribution Co. (SIDCO). SIDCO tidak berafiliasi dengan Charles Schwab amp Co. Inc. 3. Perlu diketahui bahwa biaya transaksi mungkin berlaku untuk dana tanpa beban dan beban rendah tertentu yang tidak berpartisipasi dalam layanan Reksa Dana OneSource kami. Dana tersebut dikenakan biaya transaksi standar Schwabs, di samping biaya penebusan yang dikenakan oleh dana tersebut. Dapatkan rincian lebih lanjut tentang Reksa Dana Schwab. Charles Schwab amp Co. Inc. menerima remunerasi dari perusahaan dana yang berpartisipasi dalam layanan Reksa Dana OneSource. Biaya penebusan jangka pendek Schwabs akan dikenakan pada pencairan dana yang dibeli melalui layanan Schwabs Mutual Fund OneSource tanpa biaya transaksi. Untuk setiap pesanan dagang ini ditempatkan melalui broker, 25 biaya layanan berlaku. Biaya penukaran jangka pendek Schwabs sebesar 49,95 akan dibebankan pada penebusan dana yang dibeli melalui layanan Schwab Mutual Fund OneSource (dan dana lainnya tanpa biaya transaksi) dan ditahan selama 90 hari atau kurang. Schwab berhak untuk membekukan dana tertentu dari biaya ini, termasuk Dana Schwab, yang mungkin mengenakan biaya penebusan terpisah, dan dana yang mengakomodasi perdagangan jangka pendek. Untuk pesanan perdagangan yang dilakukan melalui broker, 25 service charge berlaku. Dana juga dikenakan biaya dan biaya pengelolaan. Perdagangan dalam reksa dana tanpa beban tersedia melalui layanan Reksa Dana OneSource (termasuk Dana Schwab), serta dana lainnya, tersedia tanpa biaya transaksi saat ditempatkan melalui Schwab atau saluran telepon otomatis kami Untuk setiap pesanan dagang ini ditempatkan melalui Broker, 25 service charge berlaku. Schwab berhak mengubah dana yang kami sediakan tanpa biaya transaksi dan mengembalikan biaya pada dana apapun. 4. Biaya transaksi hanya berlaku untuk reksa dana open-end saja. Biaya standar berlaku pada kedua transaksi tersebut bila melakukan perintah serentak untuk menjual satu atau lebih dana biaya transaksi dan membeli dana biaya transaksi tambahan dengan dana hasil. Beberapa dana juga dapat mengenakan biaya penjualan dan atau biaya penebusan. Silahkan baca prospektus untuk rinciannya. Anda dapat membeli saham langsung dari perusahaan dana atau penjamin emisi atau distributor utama tanpa membayar biaya transaksi atau jasa Schwabs (kecuali Dana Schwab). 5. Silakan lihat Charles Pricing Guide untuk rincian informasi tentang komisi ekuitas dan opsi. Strategi pilihan beberapa langkah akan melibatkan banyak komisi. Pilihan membawa tingkat risiko tinggi dan tidak sesuai untuk semua investor. Persyaratan tertentu harus dipenuhi untuk pilihan perdagangan melalui Schwab. Harap baca Dokumen Pengungkapan Opsi yang berjudul Karakteristik dan Resiko Pilihan Standar sebelum mempertimbangkan setiap opsi transaksi. 6. Perintah online multiple leg order seperti spread, straddles, kombinasi, dan rollouts hanya dikenakan satu komisi dasar 6,95, ditambah biaya per kontrak untuk jumlah total kontrak opsi. Untuk Komisi Opsi Bantuan Broker, tambahkan 25 ke Komisi Opsi Online. Perintah opsi yang kompleks yang melibatkan ekuitas dan opsi kaki, termasuk BuyWrites atau WriteUnwinds, dikenai biaya per kontrak untuk hak pilihan, ditambah komisi untuk ekuitas berdasarkan jadwal klien saat ini. Tidak ada komisi dasar untuk pilihan kaki. 7. Biaya Proses Penukaran Ini adalah biaya biaya Schwab untuk mengimbangi biaya yang dikenakan pada kita oleh sekuritas nasional dan organisasi pengaturan sendiri atau dengan pertukaran opsi A. S.. Komisi Sekuritas dan Bursa Efek (SEC) menilai biaya transaksi pada bursa efek nasional dan organisasi pengaturan sendiri berdasarkan jumlah dolar gabungan dari penjualan sekuritas tertentu. SEC menghitung ulang jumlah biaya ini secara berkala paling sedikit sekali per tahun tapi terkadang lebih sering. Bursa efek nasional dan organisasi pengatur sendiri mengimbangi biaya transaksi dengan membebankan agen broker anggota mereka seperti Schwab, dan pada gilirannya, kami mengimbangi biaya ini dengan membebankan biaya proses transaksi untuk transaksi jual. Pertukaran opsi A. S. mengenakan biaya kontrak dan pembelian perantara untuk Swiss dan broker lain atas pembelian dan penjualan opsi yang terdaftar di bursa. Pertukaran dapat mengenakan biaya ini bahkan pada transaksi yang dilakukan di bursa lain, yang dapat mengakibatkan beberapa biaya dikenakan di Swiss untuk satu transaksi. Schwab mengimbangi biaya ini dengan membebankan Anda satu Biaya Proses Exchange untuk setiap transaksi yang tercakup. Setiap Biaya Proses Exchange yang muncul pada konfirmasi perdagangan Anda untuk penjualan opsi yang terdaftar di bursa akan menggabungkan offset untuk biaya yang dikenakan baik oleh bursa opsi A. S. dan oleh sekuritas nasional dan organisasi pengaturan sendiri. Biaya Proses Penukaran akan naik atau turun secara berkala tergantung pada tarif yang ditetapkan oleh SEC atau oleh bursa opsi A. S., jika berlaku. Beberapa bursa opsi A. S. saat ini menilai biaya di Swiss untuk transaksi yang tercakup. Dari jumlah tersebut, biaya Chicago Board Options Exchange (CBOE) dan International Securities Exchange (ISE), seperti yang ditunjukkan pada tabel di bawah ini, akan disertakan dalam Biaya Proses Exchange. Jadwal Opsi Pertukaran yang Membebankan Permohonan Biaya ke Biaya Proses Bursa 0,0238 per Kontrak 8. Catatan: Transaksi blok besar (pesanan lebih dari 250 obligasi) mungkin tersedia untuk penanganan dan harga khusus. Silahkan hubungi kami di nomor 800-626-4600 untuk informasi lebih lanjut. Dapatkan rincian lebih lanjut tentang Schwabs Fixed Income Funds 9. Saat membuat keputusan investasi, pertimbangkan komisi atau biaya layanan yang mungkin berlaku. 10. Penghasilan Anda bisa tumbuh ditangguhkan pajak. Kunjungi pusat IRA kami untuk melihat apakah sebuah Traditional atau Roth IRA tepat untuk Anda. 11. Akun ini menawarkan manfaat pajak yang berharga. 12. Rollover aset rencana pensiun ke IRA bukanlah satu-satunya pilihan Anda. Pertimbangkan dengan saksama semua pilihan Anda yang mungkin termasuk namun tidak terbatas pada menjaga aset Anda di perusahaan bekas Anda menggulingkan aset ke rencana pengusaha baru atau mengambil distribusi tunai (pajak dan kemungkinan hukuman penarikan mungkin berlaku). Sebelum mengambil keputusan, pastikan untuk memahami manfaat dan keterbatasan pilihan yang ada dan pertimbangkan faktor-faktor seperti perbedaan biaya terkait investasi, biaya rencana atau rekening, pilihan investasi yang tersedia, opsi distribusi, perlindungan hukum dan kreditur, ketersediaan ketentuan pinjaman , Perlakuan pajak, dan masalah lainnya yang spesifik untuk keadaan pribadi Anda. 13. Untuk Rekening Global Schwab, perdagangan yang ditempatkan pada bursa efek asing dikenakan komisi dan biaya broker lokal, sebagai berikut: Perdagangan yang ditempatkan di Bursa Efek Asing dengan Komisi dan Biaya per Eksekusi Perdagangan dalam Mata Uang Lokal 0,1 dari prinicipal a. Daftar negara dan biaya ini dapat berubah tanpa pemberitahuan. B. Schwab dikenakan biaya broker lokal untuk semua perdagangan yang ditempatkan langsung di pasar luar negeri. Biaya tersebut diteruskan langsung ke klien dan dilaporkan terpisah seperti Other feetax pada konfirmasi perdagangan. C. Biaya broker lokal di Kanada mencapai 0,005 CAD per saham untuk perdagangan saham kurang dari 1 CAD per saham, dan 0,01 CAD per saham untuk perdagangan saham pada atau di atas 1 CAD per saham. D. Biaya tambahan yang dikenakan adalah pajak transaksi keuangan sebesar 0,2 dari pokok yang dipaksakan oleh pemerintah Perancis. Ini berlaku untuk semua pembelian sekuritas dengan kapitalisasi pasar lebih dari 1 miliar. Hal ini tercermin dalam Other feetax pada konfirmasi perdagangan. E. Biaya tambahan yang dikenakan di Hong Kong meliputi: - Retribusi transaksi sebesar 0,003 pokok pada pembelian dan penjualan, dibulatkan ke HK terdekat. - Biaya perdagangan sebesar 0,005 pokok pada pembelian dan penjualan, dibulatkan ke HK terdekat. - Bea materai dari 0,1 pokok pada pembelian dan penjualan, dibulatkan ke HK dolar terdekat. F. Biaya tambahan yang dikenakan adalah pajak transaksi keuangan sebesar 0,2 dari pokok yang dipaksakan oleh pemerintah Italia. Ini berlaku untuk semua pembelian sekuritas dengan kapitalisasi pasar lebih dari 500 juta. Hal ini tercermin dalam Other feetax pada konfirmasi perdagangan. G. Biaya tambahan yang dikenakan di Inggris meliputi: PTM Levy 1 GBP untuk membeli dan menjual di mana jumlah pokok lebih besar dari 10.000 GBP dan materai 0,5 dari pokok pada pembelian saja. Transaksi dalam Mata Uang Asing h Transaksi dalam mata uang asing dikenai biaya berdasarkan jumlah mata uang yang dikonversi dalam satu transaksi, sebagai berikut: Biaya Devisa 31.95 (6,95 ditambah 25 biaya untuk bantuan broker) i. Transaksi untuk saham biasa asing yang terjadi di pasar over-the-counter (OTC) A. S. membawa biaya penyimpanan, kliring dan penyelesaian tambahan. Biaya transaksi asing ditambahkan ke perdagangan yang ditempatkan untuk saham ini melalui semua saluran. Biaya komisi dan transaksi luar negeri akan digabungkan dan akan muncul sebagai satu item baris (56,95 atau 81,95), diberi label Komisi, atas konfirmasi perdagangan Anda. Akun Global Schwab dibatasi untuk jenis akun tertentu. Hanya warga A. S.U. S. Warga memenuhi syarat Investasi internasional melibatkan risiko tambahan, yang meliputi perbedaan dalam standar akun keuangan, fluktuasi mata uang, risiko geopolitik, pajak dan peraturan asing, dan potensi pasar yang tidak likuid. 14. Schwab Charitable adalah nama yang digunakan untuk program dan layanan gabungan dari Schwab Charitable Fund, sebuah organisasi nirlaba independen. Dana tersebut telah menandatangani perjanjian layanan dengan afiliasi tertentu dari The Charles Schwab Corporation. 15. Rencana Tabungan Perguruan Tinggi Schwab 529 tersedia melalui Charles Schwab amp Co. Inc. dan dikelola oleh American Century Investment Management, Inc. Rencana ini dibuat oleh Legislatif Negara Bagian Kansas berdasarkan ketentuan Bagian 529 dari Internal Revenue code dan Dikelola oleh Bendahara Negara Kansas Ron Estes. Pemberitahuan: Akun yang didirikan berdasarkan Rencana Swiss 529 dan pendapatan mereka tidak diasuransikan atau dijamin oleh Negara Bagian Kansas, Bendahara Negara Kansas, American Century Investment atau Charles Schwab amp Co. Inc. Akun yang didirikan berdasarkan Rencana Swiss 529 berdomisili di Amerika Century Investment dan bukan di Schwab. Rencana Swiss 529 mencakup total biaya program mulai dari 0,30 sampai 1,01. Akun ini adalah keuntungan pajak bila digunakan untuk biaya pendidikan yang berkualitas. 16. Penarikan yang memenuhi syarat bebas pajak. Semua penarikan yang tidak memenuhi syarat dikenai pajak penghasilan federal dan negara bagian dan denda 10 kali. Perawatan pajak penghasilan negara dapat bervariasi. 17. Akun Pemungutan Investor Yield Schwab Bank hanya tersedia sebagai akun tertaut dengan akun Schwab One. Rekening broker Schwab One tidak memiliki persyaratan saldo minimum, dan tidak ada persyaratan untuk mendanai akun ini saat dibuka dengan akun Investor Yield High Yield yang terhubung. Penawaran ini dapat berubah sewaktu-waktu dan tanpa pemberitahuan terlebih dahulu. Tidak ada sesuatu di sini atau harus ditafsirkan sebagai kewajiban untuk memberikan pinjaman. Pinjaman tunduk pada persetujuan kredit dan properti. Kondisi dan batasan lainnya mungkin berlaku. Asuransi bahaya mungkin diperlukan. Persyaratan dan ketentuan program dapat berubah sewaktu-waktu. Pinjaman rumah ditawarkan dan diberikan oleh Quicken Loans Inc, Equal Housing Lender. Quicken Loans Inc. tidak berafiliasi dengan The Charles Schwab Corporation, Charles Schwab amp Co. Inc atau Charles Schwab Bank. Deposit dan produk pinjaman lainnya ditawarkan oleh Charles Schwab Bank, Member FDIC dan Equal Housing Lender. 18. Penawaran ini dapat berubah sewaktu-waktu dan tanpa pemberitahuan. Tidak ada sesuatu di sini atau harus ditafsirkan sebagai kewajiban untuk memberikan pinjaman. Pinjaman tunduk pada persetujuan kredit dan properti. Kondisi dan batasan lainnya mungkin berlaku. Asuransi bahaya mungkin diperlukan. Persyaratan dan ketentuan program dapat berubah sewaktu-waktu. Pinjaman rumah ditawarkan dan diberikan oleh Quicken Loans Inc, Equal Housing Lender. Quicken Loans Inc. tidak berafiliasi dengan The Charles Schwab Corporation, Charles Schwab amp Co. Inc atau Charles Schwab Bank. Deposit dan produk pinjaman lainnya ditawarkan oleh Charles Schwab Bank, Member FDIC dan Equal Housing Lender. Quicken Loans dilisensikan di seluruh 50 negara bagian Quicken Loans Nationwide Mortgage Licensing System 3030. Pembatasan mungkin berlaku. Equal Housing Lender. Layanan pinjaman yang diberikan oleh Quicken Loans Inc. merupakan anak perusahaan Rock Holdings Inc. 19. Rencana investasi berkala senilai dolar-biaya rata-rata, investasi ulang dividen atau Rencana Investasi Otomatis Schwabs (AIP) tidak menjamin keuntungan dan tidak melindungi dari kerugian pasar yang menurun. . 20. Bacalah Schwab Private Client dan brosur pengungkapan Investasi Nasabah Swasta Swiss, untuk mengetahui informasi penting tentang layanan ini. Manajemen Portofolio dan konsultasi Perencanaan berbasis biaya dilakukan oleh karyawan Schwab Private Client Investment Advisory, Inc. (SPCIA), penasihat investasi yang terdaftar dan afiliasi Charles Schwab amp Co. Inc (Schwab). SPCIA dan Schwab adalah anak perusahaan The Charles Schwab Corporation. Akun Anda mungkin akan dikenakan biaya yang lebih rendah daripada yang dijelaskan di atas jika Anda atau seseorang di rumah Anda (misalnya umumnya orang dengan nama belakang yang sama tinggal di alamat yang sama) membuka akun Klien Pribadi Schwab sebelum 1 Januari 2014, dan memiliki Terus mempertahankan setidaknya satu akun Klien Privat Schwab sejak pendaftaran Schwab Private Client awal itu. 21. Anggota Schwab Advisor Network independen dan bukan pegawai atau agen Charles Schwab amp Co. Inc (Schwab). Penasehat Schwab dan memeriksa pengalaman dan kredensial mereka terhadap kriteria Schwab set, seperti tahun pengalaman mengelola investasi, jumlah aset yang dikelola, pendidikan profesional, perizinan peraturan, dan hubungan bisnis sebagai klien Schwab. Penasihat membayar biaya ke Schwab sehubungan dengan arahan. Schwab tidak mengawasi penasehat dan tidak mempersiapkan, memverifikasi atau mendukung informasi yang didistribusikan oleh penasehat. Investor harus memutuskan apakah akan menyewa seorang penasihat dan wewenang apa yang harus diberikan kepadanya. Investor, bukan Schwab, bertanggung jawab untuk memantau dan mengevaluasi layanan penasihat, transaksi kinerja dan rekening. Layanan dapat bervariasi tergantung pada penasihat mana yang dipilih oleh investor. 22. Schwab Intelligent Portfoliosreg tidak mengenakan biaya konsultasi. Afiliasi Schwab memperoleh pendapatan dari underlying asset di akun Schwab Intelligent Portfoliosreg. Pendapatan ini berasal dari penyediaan layanan konsultasi dan lainnya ke ETF Schwab dan menyediakan layanan yang berkaitan dengan ETF pihak ketiga tertentu yang dapat dipilih untuk portofolio, dan dari fitur kas pada akun. Pendapatan juga dapat diterima dari pusat pasar dimana pesanan perdagangan ETF diarahkan untuk eksekusi. Panen rugi pajak tersedia untuk klien dengan aset investasi 50.000 atau lebih di akun Schwab Intelligent Portfoliosreg mereka. Klien harus mendaftar untuk menerima layanan ini. Bacalah Brosur Pengungkapan Informasi Schwab Intelligent Portfoliosreg untuk informasi penting, harga, dan pengungkapan yang berkaitan dengan Schwab Intelligent Portfoliosreg. Schwab Intelligent Portfoliosreg dibuat tersedia melalui Schwab Wealth Investment Advisory, Inc. (SWIA), penasihat investasi yang terdaftar. Layanan manajemen portofolio disediakan oleh Charles Schwab Investment Advisory, Inc. (CSIA). SWIA dan CSIA adalah afiliasi Charles Schwab amp Co. Inc (Schwab) dan anak perusahaan The Charles Schwab Corporation. 23. Bacalah Brosur Pengungkapan Schwab untuk informasi dan pengungkapan penting yang berkaitan dengan Skoring Managed Schwab, Schwab Managed Account Services, dan Schwab Private Client. 24. Silakan merujuk ke Windhavens ADV Part 2 untuk informasi tambahan. Strategi Portofolio Diversifikasi Windhaven tersedia melalui program Connection Managed Account Schweland (Connection). Bacalah brosur pengungkapan Schwabs untuk informasi penting dan pengungkapan yang berkaitan dengan Layanan Akun Dikelola dan Schwabs Managed. Manajemen portofolio disediakan oleh Windhaven Investment Management, Inc. (Windhaven), penasihat investasi terdaftar dan afiliasi Charles Schwab amp Co. Inc. (Schwab). Windhaven dan Schwab adalah anak perusahaan The Charles Schwab Corporation 25. Silakan merujuk ke Formulir ThomasPartners ADV, Bagian 2A, untuk informasi lebih lanjut. Strategi diversifikasi tidak menjamin keuntungan dan tidak melindungi terhadap kerugian di pasar yang mengalami penurunan. Investasi dalam akun yang dikelola harus dipertimbangkan mengingat portofolio investasi yang lebih luas dan terdiversifikasi. Strategi ThomasPartners tersedia melalui program Connection Managed Account (Connection) Schwab Managed. Bacalah brosur pengungkapan Schwabs untuk informasi penting dan pengungkapan yang berkaitan dengan Layanan Akun Dikelola dan Schwab Managed. Manajemen portofolio disediakan oleh ThomasPartners, Inc. (ThomasPartners), penasihat investasi yang terdaftar dan afiliasi Charles Schwab amp Co. Inc (Schwab). ThomasPartners dan Schwab adalah anak perusahaan The Charles Schwab Corporation. Schwab menyediakan strategi ekuitas lainnya dalam program akun terkelolanya yang berfokus pada saham yang membayar dividen, termasuk strategi yang dikelola oleh perusahaan yang tidak terafiliasi dengan Schwab. 26. Rabat biaya ATM terbatas berlaku untuk penarikan tunai menggunakan kartu Euro Visa Bank Swiss (juga disebut kartu cek atau kartu cek Visa) dimanapun diterima. Rabat biaya ATM tidak berlaku untuk biaya selain biaya yang dinilai menggunakan ATM untuk menarik uang tunai dari rekening Bank Schwab Anda. Bank Schwab berupaya sebaik-baiknya untuk mengidentifikasi biaya ATM yang memenuhi syarat untuk potongan harga berdasarkan informasi yang diterimanya dari operator Visa dan ATM. Jika Anda belum menerima potongan harga dengan biaya yang Anda yakini memenuhi syarat, hubungi Spesialis Layanan Klien Bank Swiss untuk mendapatkan bantuan di 888-403-9000. Bank Schwab berhak untuk mengubah atau menghentikan rebate biaya ATM setiap saat. Bank Schwab tidak menilai biaya transaksi luar negeri (yaitu biaya untuk mengkonversi Dolar AS ke mata uang lokal) ke pemegang kartu debet. 27. Charles Schwab mendapat nilai numerik tertinggi dalam Studi Kepuasan Investor Full Service Kepresiden 2016, berdasarkan pada 6.006 tanggapan dari 20 perusahaan yang mengukur pendapat investor yang menggunakan lembaga investasi layanan penuh dan disurvei pada bulan Januari 2016. Pengalaman Anda mungkin berbeda. Kunjungi jdpower 28 Produk Pialang: Bukan FDIC Tertanggung Tidak Ada Garansi Bank Yang Dapat Menurunkan Nilai Charles Schwab Corporation menyediakan berbagai layanan broker, perbankan dan konsultasi keuangan melalui anak perusahaannya yang beroperasi. Pialang broker-dealernya, Charles Schwab amp Co. Inc (anggota SIPC), menawarkan layanan dan produk investasi, termasuk akun broker Schwab. Anak perusahaan perbankannya, Charles Schwab Bank (anggota FDIC dan Equal Housing Lender), menyediakan layanan penyetoran dan pemberian pinjaman dan produk. Akses ke Layanan Elektronik mungkin terbatas atau tidak tersedia selama periode permintaan puncak, volatilitas pasar, peningkatan sistem, pemeliharaan, atau karena alasan lain. Situs ini dirancang untuk penduduk A. S. Non-A. S. Penduduk tunduk pada pembatasan khusus negara. Pelajari lebih lanjut tentang layanan kami untuk warga non-A. S. 169 2017 Charles Schwab amp Co Inc, Semua hak dilindungi undang-undang. Anggota SIPC. Akses yang tidak sah dilarang Penggunaan akan dipantau. (0217-TDS7) Options Trading Apakah Anda seorang trader saham awal, atau veteran berpengalaman, alat perdagangan kami dapat membantu Anda menavigasi pasar opsi dengan analisis dan laporan yang hebat sehingga Anda dapat membuat keputusan paling tepat saat melakukan perdagangan. Di Schwab, pedagang opsi mendapatkan alat perdagangan yang kuat, pilihan pendidikan yang luas, ditambah wawasan dan dukungan perdagangan. Pilihan perdagangan di Schwab hanya 6,95 0,70 per kontrak. Pilihan alat dan penelitian. Dapatkan alat yang Anda inginkan untuk membantu Anda membuat keputusan perdagangan yang lebih cerdas, termasuk rantai pilihan, kalkulator pilihan hipotetis, pilihan strategi pencari, dan banyak lagi. Pilihan pendidikan Entah Anda baru memulai atau menjadi trader berpengalaman, manfaatkan berbagai kesempatan pendidikan termasuk lokakarya cabang dan live online, seminar yang telah direkam sebelumnya, dan acara khusus untuk membantu mempertajam strategi Anda. Pilihan dukungan. Dari pertanyaan alat dan analisis strategi untuk membantu pesanan yang kompleks, spesialis kami dapat membantu Anda dengan kebutuhan perdagangan opsi Anda. OptionsXpress menawarkan layanan lanjutan untuk opsi dan perdagangan berjangka. Pedagang aktif: Lihat opsi alat perdagangan yang hebat yang ada di platform perdagangan Schwabs StreetSmart Edge, termasuk opsi orang Yunani, pilihan charting dan lainnya. Bantu memaksimalkan tepi trading Anda dengan pilihan pendidikan dan wawasan pasar. Tetap mengikuti pilihan strategi dengan seminar online dan direkam sebelumnya, dapatkan mingguan. Dan artikel tentang berbagai topik, tidak peduli tingkat pengalaman Anda tentang pengalaman trading. Harap baca dokumen pengungkapan pilihan yang berjudul Karakteristik dan Risiko Opsi Standar sebelum mempertimbangkan setiap transaksi opsi. Dapatkan akses ke tim dukungan opsi khusus kami untuk mendapatkan bantuan analisis risiko, menerapkan strategi perdagangan, menempatkan pesanan yang kompleks dan banyak lagi. Pengalaman Anda dapat mengandalkan Rely pada tim khusus untuk kebutuhan perdagangan opsi Anda. Manfaatkan analisis strategi pilihan Anda. Dapatkan dukungan khusus pada alat opsi lanjutan. Mintalah bantuan ahli dengan perintah pilihan yang kompleks. Sesi orientasi pilihan gratis Temui dengan spesialis opsi satu lawan satu untuk membicarakan kebutuhan perdagangan opsi Anda. Sesi satu jam mencakup topik seperti alat dan layanan, mekanika perdagangan, dan banyak lagi. Hanya tersedia untuk klien Schwab yang telah disetujui untuk pilihan perdagangan. Pilihan panggilan memberi pemegang (pembeli) hak untuk membeli sejumlah saham tertentu (biasanya 100) saham pada harga strike, sampai kontrak berakhir. Opsi opsi memberi pemegang hak untuk menjual sejumlah saham tertentu pada harga strike, sampai kontrak berakhir. Bila Anda adalah pembeli pilihan (pemilik), Anda memiliki pilihan dari tiga kemungkinan hasil: Latih pilihan Anda (pilih untuk membeli atau menjual instrumen yang mendasarinya). Jual opsi untuk menutup posisi Anda. Izinkan opsi kedaluwarsa tidak berharga. Bila Anda adalah penjual pilihan (penulis), Anda telah menciptakan sebuah kewajiban untuk diri Anda sendiri yang mungkin memiliki satu dari tiga hasil yang mungkin: belilah opsi itu kembali untuk menutup posisi Anda, biarkan opsi berakhir tidak berharga, atau ambil tugas (diminta untuk membeli Atau menjual instrumen yang mendasarinya). Anda bisa mengajukan permohonan untuk akun perantara Schwab di sini. Deskripsi pilihan mengandung lebih banyak informasi daripada simbol saham. Misalnya, pada Long 1 XYZ Dec, 18 2015 55.00 C 3.85: XYZ mewakili simbol keamanan yang mendasari. 18 Desember 2015 merupakan tanggal kedaluwarsa. 55,00 mewakili harga strike. 3,85 mewakili premi. Kadaluarsa: Tanggal kedaluwarsa untuk semua opsi ekuitas terdaftar di Amerika Serikat adalah hari perdagangan terakhir dalam masa kontrak, biasanya hari Jumat. Namun, hari kedaluwarsa mungkin hari Kamis ketika libur Jumat normal adalah hari libur yang diamati pasar. Pengecualian lainnya mungkin termasuk opsi kuartalan, yang akan berakhir pada hari kerja terakhir kuartal ini, atau opsi akhir bulan, yang akan berakhir pada hari perdagangan terakhir setiap bulannya. Harga Mogok: Harga di mana keamanan yang mendasarinya akan dikirimkan jika opsi dilakukan atau ditetapkan. Premium: Harga di mana suatu opsi dapat dibeli atau dijual. Dengan saham, Anda terbatas untuk membeli, menjual dan menjual pendek. Pilihan memungkinkan lebih banyak kemungkinan, termasuk strategi: Untuk prospek bullish atau bearish. Untuk keuntungan jika saham tetap berada di dalam atau bergerak di luar kisaran harga tertentu. Itu berusaha untuk mendapatkan keuntungan jika terjadi kenaikan atau penurunan volatilitas. Melindung nilai terhadap pergerakan harga yang merugikan pada posisi yang ada. Untuk menghasilkan pendapatan jika saham tetap di atas atau di bawah harga tertentu. Meskipun pilihan memberikan banyak fleksibilitas, penting untuk disadari bahwa dengan strategi opsi yang digunakan pada saham yang membayar dividen, Anda tidak akan berhak mendapatkan dividen kecuali jika Anda membeli saham sebenarnya sebelum tanggal ex-dividend. Dengan strategi pilihan, Anda juga tidak berhak mendapatkan hak suara atau keuntungan kepemilikan saham lainnya kecuali jika Anda memiliki saham sebenarnya. Akhirnya, karena semua opsi akhirnya akan berakhir, umumnya mereka akan kehilangan nilai karena pendekatan kadaluwarsa mereka mendekati, dan mungkin akhirnya benar-benar tidak berharga, sedangkan pemegang posisi saham dapat menahan saham tersebut dalam jangka waktu lama tanpa menjualnya. Tonton video ini dari Randy Frederick, Schwidd Managing Director Trading and Derivatives, untuk informasi lebih lanjut mengenai keuntungan dan peluang yang diberikan oleh options trading. Ambil langkah selanjutnya. Mulailah dengan opsi trading hari ini. Buka Akun atau hubungi 800-435-4000. Sudah menjadi klien 1. Hingga 999.999 saham bisa ditempatkan per perdagangan. Perdagangan online adalah perdagangan yang ditempatkan melalui perangkat lunak Schwab, schwab. co. uk, StreetSmart Pro, StreetSmart, Schwab Mobile, atau Schwab. Strategi pilihan beberapa langkah akan melibatkan banyak komisi. Spread trading harus dilakukan di akun margin. Covered calls memberikan perlindungan downside hanya pada tingkat premi yang diterima dan membatasi potensi kenaikan harga strike plus premi yang diterima. Menulis pilihan yang tidak terungkap melibatkan risiko yang berpotensi tak terbatas. Pilihan membawa tingkat risiko tinggi dan tidak sesuai untuk semua investor. Persyaratan tertentu harus dipenuhi untuk pilihan perdagangan melalui Schwab. Harap baca dokumen pengungkapan pilihan yang berjudul Karakteristik dan Risiko Opsi Standar sebelum mempertimbangkan setiap transaksi opsi. Silakan lihat Charles Pricing Guide untuk informasi lebih lanjut. Komisi untuk perdagangan ekuitas atau opsi yang dihasilkan dari pilihan latihan atau penugasan akan tunduk pada jadwal penetapan harga komisi online yang sesuai. Charles Schwab amp Co. Inc. (Anggota SIPC) (Schwab) dan optionsXpress, Inc. (Anggota SIPC) (optionsXpress) adalah perusahaan yang terpisah namun berafiliasi dan anak perusahaan The Charles Schwab Corporation. Produk Pialang: Bukan FDIC Tertanggung Tidak Ada Garansi Bank Yang Dapat Menurunkan Nilai Charles Schwab Corporation menyediakan berbagai layanan broker, perbankan dan konsultasi keuangan melalui anak perusahaannya yang beroperasi. Pialang broker-dealernya, Charles Schwab amp Co. Inc (anggota SIPC), menawarkan layanan dan produk investasi, termasuk akun broker Schwab. Anak perusahaan perbankannya, Charles Schwab Bank (anggota FDIC dan Equal Housing Lender), menyediakan layanan penyetoran dan pemberian pinjaman dan produk. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. This site is designed for U. S. residents. Non-U. S. residents are subject to country-specific restrictions. Learn more about our services for non-U. S. residents . 169 2017 Charles Schwab amp Co. Inc, All rights reserved. Anggota SIPC. Akses yang tidak sah dilarang Usage will be monitored. (0715-4MHW)Charles Schwab amp Co. They are unbelievably terrible Ive been trading for over a month and I try to get a high yield checking account and they all of a sudden cut me off from trading They claim something in my Chex system report came back negative I recently got a copy because I like to review my reports and nothing negative was on there I will NEVER do business with these guys and I will tell everyone I can about my experience. They are complete disaster. And I already do business with all of their competitors and no issues. They are a horrible company to pull a stunt like this after a month How do I know I can trust these reviews about Charles Schwab 698,549 reviews on ConsumerAffairs are verified. We require contact information to ensure our reviewers are real. We use intelligent software that helps us maintain the integrity of reviews. Our moderators read all reviews to verify quality and helpfulness. For more information about reviews on ConsumerAffairs please visit our FAQ. J of Davis, CA on Dec. 22, 2016 I am about to receive an inheritance for securities that are worth a considerable amount of money. I needed a receiving account and heard good things about Schwab, so I opened an account and was impressed with the level of customer service I received in the process. That night I spent 20.00 on a FedEx overnight delivery of my account information to the trustee so they could make the disbursements. A few days later I tried to log into my account with no success. I called and they told me that it was closed because of my bad credit. Had they emailed me I would have saved 20 bucks. Instead, they sent me a letter. After I pay off my debt and restore my credit I will never go back to them and make sure to spread the word, too. Its a shame they lost a wealthy customer. Michaela of Colorado Springs, CO on Sept. 24, 2016 I recently moved to a new city and noticed that I was not able to pay for an online item with my credit card. Because I often travel, issues like this are very common-- however, this time when I called Charles Schwab to help me solve the problem I was told that there were discrepancies (and were not allowed to tell me what these were) and therefore they could not verify my identity and couldnt help me further. The representative suggested I go into my local branch to show a photo ID-- cant, am out of the country. Then suggested a phone number that only works on the weekdays-- problem is that I am now without a credit card for the next two days. While I appreciate that Charles Schwab is making an effort to prevent fraud, it is extremely frustrating that I cannot use my credit card during this time-- especially because these first few days of moving to a city are when I need it most. On the whole I have had very good experiences with Charles Schwab, however, an experience like this makes me very nervous to depend on Charles Schwab. young of New Stanton, PA on Sept. 13, 2016 Schwab is known for paying dividends late. It has gotten so bad recently that actually tried to steal several dividends in different accounts and time. I also had an accounting issue, even though It was a small amount that Schwab tried to cheat. I had to threaten Schwab to get it corrected. Finally, today 9122016, Schwab suspended one of my fund in Roth Account, stating that this fund is in the process of changing name, but there was neither article nor news about it. Most of all, it was still trading under the same ticker symbol. At the market closing, change in fund price has not been reflected in my account. They told me that it will be corrected tomorrow. When I caught Schwab red handed, they came up with another deceitful practice right away. I was busy making copies of every detail that Schwab couldnt get away with tricks so far, but suspending my fund is not something that I can forget. It is time for us to look for another brokerage. Have a control of your money as much as you can, dont leave it to Schwab and make copies of everything, even have to record a phone conversation too. Call your local congressman office before hiring a lawyer. Maybe, we all should get together pushing for congressional hearing on this online brokerage issue. Good luck to you all. I feel your pain including mine. gabriela of Cleveland, OH on Sept. 12, 2016 I used Schwab online bill pay. Reviewing Visa credit card payment to of about 18,000 to Visa - Chase, Chase could not find them. After over 3 weeks of my numerous calls, as Schwab could not give me proof of payments, the case was escalated to customer relations. This frustration caused me to become irate, and I told them they were inept and stupid. That was the reason they closed my accounts. When Donald Trump uses the F word, the nation votes in larger and larger numbers, so why is Schwab unable to accept the fact they are inept and stupid Mr Christopher , made aware I was not at my mailing address, but in an island without fax, internet. I asked he fax the detailed proof of payments to the local public library where there is limited fax. Since we didnt received them, I showed righteous indignation to him too. Mr. finally sent a document without date, account number, to what account they sent funds, without contact person who sent the document and with reference numbers which were unrecognizable by Chase. Mr claimed he did send all details, but it was not true. I asked him to send me proof of this, but he never complied. A few days after, in attempt to access my online account August 6. I was unable. Schwab explained my accounts have been closed, and all funds were mailed to my mailing address a couple days earlier. At no time they advised me in advance. If I would not have gone to check my account, I would have not known about this at all. Mr knew I was not at the mailing address, and Schwab sent the checks so I could not bring them to fund another institution to open a new account. I asked they stop the checks, and wire the funds to my new bank, or re-open the account so I could send the wire and get all payees information so the transition could be done. For a few days, back and forth, they promised they would, but ultimately refused to wire the funds. It took over one week for them to send me all the names of my payees etc, so I can populate the new account, as did not have any of the bills, as I am away from home. Most of my payments take place at the beginning of the month, and I asked them to please re-open the account, so I can wire the funds to the new institution and at least the pending payments go through, not to ruin my credit. Customer Advocacy knew I was nowhere near my mail box to collect the mailed checks with my funds. I asked why this capricious and arbitrary decision, and they replied that this was a corporate decision. They never apologized. Knowing I would be incurring late penalty fees for delayed payments, they offered 300 to cover this. I accepted with the understanding that accepting this, in no way does this waive my rights to report them for unethical business practices. This check however, does not fix my banking bad credit history, nor pay for the incredible inconvenience the payees and I have suffered. Part of the payees are the property tax office, the Medicare, health insurance, mortgage fees, insurances, etc who are paid automatically in pre-scheduled fashion, so all bounced. Over a month has passed and today, Schwab sent me an e-mail telling me that they will close my account as I do not have sufficient funds. This proves once more, how they are unable to know what their own organization is doing. This is reprehensible and reportable. Today, I requested Schwab sends me free of charge, in paper form, all transactions my accounts (three separate accounts in their firm) by US post to the location I am in, as it is not my mailing address. The documents requested are form January 2015 to the closing date in August 2016, so my accountants can prepare my taxes - that the documents must be mailed to where I am at this is not the mailing address of record, ( I am still out of town, and need this urgently for October tax payments for 2015. This last request was made to Mr Bill , from customer relations on Sept 12, 2016, who promised he will comply. A copy of this is sent to the comptroller to currency fax 713 3364301. The office of the US Comptroller already received the document Mr claims had all the supporting doc (payments to Amazon). Such complaint was sent by us post. I take the opportunity to request that the banking rules require banking and companies like Schwab to give clients time to move their accounts to other institutions, so all the parties who receive funds from them are not also harmed. Bill of Greensboro, NC on Aug. 26, 2016 I used Charles Schwabs Bill Pay to make payments on a Honda Finance loan that I had paid current since 2012. In June 2015 I set up the account to autopay the loan through the loans final payment in 2017. Instead of doing what it was supposed to do, the system overrode the date I put in and set April 2016 as the final payment date. In June 2016, Honda Finance sent a letter threatening collections, and that was when I first became aware that Bill Pay had failed. I paid the loan payments current, and then had the Schwab rep get on the phone with the Honda rep. The Schwab guy said that the error was likely a Schwab system error, but refused to send a letter or email to Honda because of legal liability issues. Apparently this is an issue they are aware of and are trying to limit liability with very little thought as to how it harms customers. Schwab now refuses to admit its error and instead is telling me that I put in the wrong date. They did not review their system or provide any evidence to counter my witness testimony. The net result is that my credit has been negatively impacted. Im trying to buy a house, and the past due is hurting my credit score and could well cost me thousands of dollars more in interest expense. This is an organization that has little regard for customers, and I am moving my accounts from them. I encourage anybody who reads this to do the same. Megan of Winchester, CA on Aug. 16, 2016 If you have any money with Charles Schwab move it immediately. Your money is not safe with these crooked thieves. Charles Schwab is an unethical institution that steals from its clients. My husbands grandmother had her IRA account with Charles Schwab for many years and had a private client status with them. It was a sizeable account, 800,000.00, and Charles Schwab made a lot of money off of her throughout the years. Unfortunately, my husbands grandmother was being abused both psychologically and financially by her estranged son. In response to his threats of violence and extortion, she disinherited him. During this time she made several calls to Schwab (all recorded), in which she explained the ongoing abuse to her financial advisor and requested a change of beneficiary form to remove her evil son from her IRA account. She also explained that she wanted to be sure that her two grandsons (my husband and his brother) inherited the account and why. After turning in the change of beneficiary form, she called again to be sure that the new beneficiaries were on file - she was a very thorough woman. Charles Schwab acknowledged the change of beneficiaries and all was thought to be well. A year after she did this, my husbands grandmother died of cancer. Her two grandsons told Charles Schwab of her passing and began the process of distributing the IRA account into their names. A week after the distribution process was initiated, and one account already funded, Charles Schwab claimed they received a dispute letter and froze the distribution of funds and moved them BACK into the deceased grandmothers account. Schwab refused to distribute the IRA funds even though the dispute letter came from the same disinherited son that they had been warned about well over a year prior Schwab claimed they needed to research who the rightful beneficiaries were and after leading on the two boys for weeks finally told them that they would need a court order to distribute the funds. Charles Schwab refused to honor THEIR OWN beneficiary designation contract. Not only that, they did so after being forewarned by the decedent that her evil son would attempt to steal her money. So, not only is Charles Schwab in breach of contract, they are also guilty of gross negligence and failed to report financially elderly abuse (which is mandated for financial institutions). This company is so greedy and evil that it forced my husband and his brother to take on a lengthy court battle in order to determine the rightful owners of the account. Three years we fought in court against a greedy psychopath (the evil disinherited son), who is now jail on over 40 counts of fraud. The boys finally got their court order stating that they were indeed the rightful beneficiaries of the account (go figure). In our petition we supplied the transcripts of the phone calls that Charles Schwab had on file Schwab had knowledge as to who the rightful beneficiaries were the entire time and yet did NOTHING The stupidity and lunacy of this entire situation has completely blown our minds. We did nothing to deserve this and were completely taken advantage of by this sick company. Now the lawyers fees total 150,000.00 and even with the court order Schwab will not release the funds. They have delayed distributing the funds now for over a week. After everything my family has been through I am beyond disgusted and this will be escalated to the highest degree. The only saving grace is that I have been in communication with our local senator regarding this matter. This is disgusting injustice and I will be sure this company is held accountable. John of New York, NY on July 14, 2016 Schwab closed my account without my consent or any formal notification. Dont invest in this company. Go to Fidelity They steal my 200,000. This company has a bunch of crooks Cindy of Sonoma, CA on June 6, 2016 Schwab withdrew 130,000 from my account without my consent. This was not taken on profits only but whenever a trade was made. After speaking to Schwab many advisors and tax experts as they are referred to they have not given me an honest explanation as to why this was done. Schwab has told me the IRS advised them to do it, the IRS told me that they NEVER advise a brokerage to do this. Now I am at wits end to get my money returned to me from the IRS. Schwab is not taking any responsibility and cannot give me an honest explanation as to what happened and why this was done in the first place. I have nowhere to turn and feel like Schwab has stole my money out of my account and it is my problem not theirs. Mary Lou of Escondido, CA on May 10, 2016 Over the past 5 years I have been very active selling negative puts. Each year we have made money and Charles Schwab has collected fees. Recently, I have been notified by Schwab that with as little as a couple of weeks notice that they will raise the percentage required from 35 to 50 on the Netflix puts in my account and that being said I will have to come up with 100K in the next two weeks. No reason is given for their action. This is either discrimination against Netflix or they are trying to deter me from investing and making money as I have been doing. It is unfair notice as I believe raising the margin requirement on an individual company should be given at least 30 days in advance. Sounds like unfair practice to me especially when they say it is temporary and they never let you know when the temporary increase will be reversed. Is there an action I can take regarding this matter laura of Largo, FL on May 6, 2016 I used my Schwab card for a transaction that turned out to be fraudulent. I contested. At first a credit was given, then it was reversed. Why The Schwab rep told me they called the vendor and the vendor told them that yes, I owed the money. Thats all it took to reverse the decision. This, despite the fact that I submitted many pages of documentation to them and to the police, and the police have supported a criminal case against the vendor. That was bad, but it was not the worst of it. When I went back to Schwab with this, I was dismissively waved off. They ignored the questions I asked and made broken record type repetitive statements that didnt address anything on point. At one point, I was advised to file a police report -- which Id already done and copied them on, so it was obvious they never looked at any of the information I spent hours compiling and had provided them. After many of these unfruitful broken record type emails, a Schwab representative told me they were prevented by a federal regulation from proceeding on the claim but when I read the regulation they mentioned, it said nothing of the sort. When I asked them to point out what part of the regulation they were referring to, first I was ignored. When I didnt go away, I was handed off to a supervisor who ignored me some more. When I still wouldnt go away I was finally told they refused to answer the question. So I am pretty certain I caught them in a lie -- but OK, Ill give them the benefit of the doubt and say maybe it was just a mistake on their part or a misunderstanding on mine. Rather than clarifying (if they thought they were right) or correcting the statement and apologizing (if they realized they were wrong), Schwab thought it was preferable to arrogantly dismiss me. During these many exchanges, when I was becoming fed up with being ignored and dismissed, I began asking other questions aimed at repositioning my accounts because now I have lost confidence in the Schwab brand. I asked things like, What is the procedure for transferring securities to another brokerage company without actually selling them and What is the minimum balance I can maintain without incurring a monthly fee When the supervisor finally responded to me, I was told they would answer no more questions about those topics either. Cary of Wichita, KS on April 15, 2016 This company as in Charles Schwab will play games with you and give you the runaround when you request loans on your own money. You may get it when they feel they have collected enough interest on it. Highly recommend another company to invest your 401 k into. James of Lakewood, WA on April 14, 2016 Im somewhere between a day-trader and a casual trader. I have a substantial trading account with Schwab. Ive been watching and researching one particular stock for a full year now, making small trades, preparing for a big trade day, and I was pretty sure it would be this morning. Ive got all my money in one place, all free and clear, ready for a big trade. Its a penny stock, expected to open about 2.50 this morning, and the purchase will be many, many thousands of shares. The stock is showing all the signs of making a big jump. Im waiting at opening time Ill make that big buy and ride the wave. Im ready. Three minutes before opening, I enter the Schwab website, and click on the button to go in and trade. Nothing. Cant get in. Theres a message: This system is temporarily unavailable. Silakan coba lagi nanti. For urgent trade-related matters, please call us at 800-435-4000. Uh, What. I try again. And again. And again. I tried for twenty minutes, still not freaked, but I have no idea whats going on at Schwab. I pull out my phone and hit my stock button. It started at 2.50, all right. But now its 2.77, and I still cant get in. NOW Im freaked. They have my money in a Schwab account I cant even go make the trade elsewhere. Im trying for over an hour, and each check shows the numbers going up, already to the point I projected. It cant hold for long. I call Schwab, frantic, and of course, no help there, sorry but the system IS down. But theyre willing to make the buy for me now, at the present price, which is now declining through the low 2.70s on its way down. No, thanks, Im not stupid, except for opening an account with Schwab. I promised my wife I would buy her an RV. Sorry, honey. No RV now, and it could take months or even years before I can forecast another big day. Ill let you readers decide whether you think Charles Schwab can be trusted to provide you with the trading tools you need to be where you need to be when you need to be there. As for me, Im furious. I think its safe to say Ill be finding another trading source. Elaine of Portland, OR on March 12, 2016 In transferring my accounts to a local office I spoke with Wayne in the Portland Koin Center office. I knew how I wanted to invest, but once Mr. learned I was a stroke survivor, he treated me as if I was ignorant, feeble and too disabled to make decisions for myself. He interrupted and talked over me - then told me he would not work with me unless I had someone else appointed guardian of my legal matters His attitude was arrogant and disrespectful. I told him I could put him in touch with people who could vouch for my ability but he told me he was not interested. So I asked he transfer my account to someone else in his office at which point he told me he was finished, that he did not want to work with me and he hung up. The entire experience was frustrating, demoralizing and so bad that I would NEVER recommend working with this Portland Oregon Charles Schwab office to anyone. All in all this was a terrible experience. Michael of Atlanta, GA on March 5, 2016 I am writing this review because I am concerned about Charles Schwabs reputation. It has come to my attention that a current employee, Tywan in the Buckhead office, did not in fact graduate from college. He had his transcript forge. Feel free to call his alma mater or have him send you an official transcript. I would hate to report this to a higher authority. Christine of Key West, FL on Feb. 19, 2016 I travel internationally to Central and South America and am dependent on my ATM card to live. The fees using my card can eat you alive with extended trips, but thanks to advise from a friend my ATM fees are now all credited to my account at the end of each month. -) Not only does that save me sometimes hundreds of dollars a year, each and every customer service rep I have talked with at Charles Schwab has been the most courteous, knowledgeable, and professional. And when you call CS it does not take 10 minutes and a dozen selections to finally reach a live person waiting to be of assistance Charles - keep up the great job you all are doing You are one in a million who gets what customer service SHOULD be Thank you russell of Greensboro, NC on Feb. 7, 2016 Me and my extended family had accounts with Charles Schwab for over 20 years. The Day Facebook IPO became Open for Purchase on the NASDAQ, I was Ready for making a big Investing Move. I had 55k In my Charles Schwab Account, liquidated from Previous stock Holdings ready to make a big move for a great Facebook Purchase. Well By the end of the Day, I had Canceled close to 15 Orders. And held no Facebook stock. The Day was Volition and the price hit 41 and dipped to 25-30 if I recall. Me and my Younger Brother spent all day on the Computer as we both were making Purchases. So I am Leaving our Company we own, and he Comes Flying back in his Truck, claiming our Orders of the day did NOT cancel and there after Hours trading, our Canceled orders were going through. I logged on at 6:20 and Not only was my 55k not in Cash, I had close to 2290 shared of Facebook and stood 90k in MARGIN I dont recall Exactly but it was Unreal. I IMMEDIATELY sold all holdings and Lost 5,500 that first day. My Brother around the same. I didnt know why, but the NASDAQ was Overwhelmed. Well Monday, More Orders went through and I was holding 50 in Facebook stock at a loss already. I was Pretty much in shock at this point, had Facebook shares I never wanted as I never got a price I wanted to long holds. So I watched the stock die and at about the 25k level I sold out. It was screwed up. The Reason I am making this post is this. When I Asked my Charles Schwab advisor Treat in the Greensboro NC Branch about these Orders going through, He gave me the Charles Schwab legal Department number to call. Treat is a Good man and I have the Utmost Respect for His as a Person. So I finally talk to the Charles Schwab Legal man on the Phone and explained my Situation, and My intention to take Charles Schwab to court. This Guy actually said, well dont you wish you would have Kept the shares as Facebook went up later. I never wanted the shares. Time went on and losing Faith in Financial Security companies, Especially Charles Schwab I took all the remaining money out of my account. So years go by, and I get a Class Action letter in the mail. Facebook was fined 29.5 Million for Wrongdoing that day. Etc. This Law firm was requesting my records and I had to send this in by Oct of 2015. Well Now I was feeling like Justice was possible and my money could be returned. The forms needed the trades, and Documentation. Well I logged on to my Charles Schwab Account, and guess what. Only 4 trades showed in my History. There were 11-13 Missing Trades. Now I am realizing, The legal guy, or schwab tipped off someone my Legal intentions, and some connection w the NASDAQ they erased the Records. Being a Businessman, I never fell for the E Statements. I have the Evidence on Paper, showing the Trades that now are erased. After going to the Federal Courthouse then the FBI in Greensboro I was Instructed to show all this to the Class Action Lawyers in NY, Finklestein. and company or something. I sent my paperwork to (copies) and well its been almost 4 months. I think someone there, is in with The NASDAQ and Charles Schwab. What these guys dont know, is I am an American Businessman. And I cant stand Thieves. Also I am now l to private Defense Contracting, so they steal and erase records, from Private Americans who help us Defend our Great Nation. My next Stop is the U. S supreme Court, to File a Suit against Charles Schwab for Fraud, Record Manipulation, and Emotional Duress. After Informing the Pentagon of my Intentions. Charles Schwab used to be a name I am Proud of, and if you were My Sworn enemy, Id recommend you Give them all your Money. Mistrust and Deception are their ways now. They should have never Tried to screw A Southern American Man over. Its time all of these Wall street crooks Get Punished. Dont Trust Charles Schwab. They Betrayed me, and Have the money to Bog you down in Court. Word of mouth However, is King. Even the Mighty Roman Empire Fell, and You Reap what You sow. I recommend Edward Jones and Scottrade 10x Over. They dont Sell out their Customers for Silver to the Sanhedrin. Elaine of Los Altos, CA on Jan. 27, 2016 I discovered that there are 200 shares of Apple stock missing from my statement. I am positive that I should have 800 shares however my statement only shows 600 shares. This is a ridiculous situation and it may be happening to other folks who dont happen to catch it. I tried calling the customer service rep and they asked for my secret password. I have never set this up and do not know what it is. So they could not help me. It may be that they asked me some question like what is your first dogs name a while ago but since they did not ask me the question, how am I supposed to answer it Also, do not use their private wealth service. It is expensive and not worth it. I ended up cancelling it. The advice that they gave me was lame. don of Elgin, IL on Jan. 14, 2016 I have been with Charles Schwab for 5 years now. In their managed account, they make moves that generate K1s. The K1s are very hard to do on taxes. I asked my adviser to stop making moves that generate K1s, but was told it is a managed account and they WONT stop making the moves that generate K1s. In the last 5 years Charles Schwab has made moves that generate K1s. EACH YEAR THEY LOSE MONEY ON THE K1s. What kind of brokerage house does the same thing year after year that loses money for its clients. Also, I asked my adviser what should I do with the money that I have in my IRA I was told to get some energy positions, which I did. When the position started losing money, I called my advisor and asked, why should I do MY ADVISER YELLED AT ME SAYING THAT SHE IS NOT RESPONSIBLE FOR THE POSITION. Another time, I had a bank account at Charles Schwab and took out some money. The bank rep said the money would be available the next day. it was not. The checks that I wrote against the amount all bounced. I had to leave that bank, which was Bank of America, because of the bad information that I got from Charles Schwab. Jeff of Glen Allen, VA on Jan. 5, 2016 Invested some IRA money with the new Intelligent Portfolio product. Even with 30 in cash, the fund lost 7.5 of principal in 7 months. I could have been fully invested in the SampP 500 for the same period and only lost 3. Schwab invests in their own funds, and they suck Dont fall for this pathetic black hole. Also, nobody called to inquire why I was closing account. Just sucked the money. Felix of New York, NY on Dec. 28, 2015 Lost my debit card a few times. Had some issues and Charles Schwab was always easy to contact and helpful. Not the guy himself, but the representatives. I made an account on this site just to write this review because its a great bank and I couldnt believe it got bad ratings. I do brokerage, retirement, and checking account with them. George of Colleyville, TX on Dec. 15, 2015 Our parents passed and had a 401k account through Volt, which prior to death we tried to cash out via a POA, and Charles Schwab chose to ignore the POA. After their passing, Charles Schwab was worse. We spent more the worth of the account in attorneys fees and basically the money disappeared, and Charles Schwab kept the monies. I dont understand how such a company can pull such scum-of-the-earth actions and people continue to give them funds. Be afraid, very afraid. We moved any of our now funds from any involvement with Charles Schwab or companies they may manage. Karmas a witch and I hope it comes back 10-fold. Lee of Smithville, MO on Dec. 12, 2015 Three years ago, we began a relationship with an registered financial advisor in Kansas City. At that time, because many people were concerned about advisors and stockbrokers running off with clients money, many advisors went to the system of using third-party custodians (like Schwab, Fidelity, etc.) to actually hold the investments so clients would NOT have to worry about their money being stolen. This month I wanted to take some cash from my cash account and Charles Schwab told me the account belongs to my financial advisor, not me. The account is solely in my name with my social security number. I, alone, am responsible for taxes to be paid on the account - but yet they say I cannot access my own money without the authority of my financial advisor. Which means that if I ever want to leave him, I have to get his permission. This is very wrong The agreement I signed when I opened this account clearly states that it is my account. Yet, I cannot get control of my money. I will get the attorney general involved in this Tom of Minneapolis, MN on Nov. 8, 2015 Yesterday, I was informed by Charles Schwab that my accounts, which I have had for nearly 30 years, were being liquidated for business reasons. I am 69 years old, and most of these accounts are for retirement. I assume that business reasons means that I am now ready to withdraw from these accounts instead of contributory to them. Giv of Parma, OH on Nov. 2, 2015 A few years back my wife changed jobs and rather than roll over her 401K into her new job we cashed out to put the money into our home knowing full well the loss we would take in taxes. We had also previously taken out a loan and knew that the amount of the loan would be deducted from what she still had in there to cover the repayment. The following year we received the 1099 form from Schwab and I proceeded to do our taxes based on that form. After I calculated all the taxes I purposely overpaid on both Federal and State taxes by a substantial amount to cover for any possible mistakes or those hidden taxes or fees that always seem to pop up when you least expect it. Fast forward two years and we get a letter from the IRS stating we did not report income from on our taxes from the year we cashed out her 401K. Confused, I called the IRS and they said Charles Schwab reported the cash out but there was a difference of 20,000 from what we reported and what CS had reported and that we owed 14,000 in taxes, interests and penalties CS sent my wife one 1099 and sent the IRS a different one They sent us a 1099 for the amount of the cash out and sent the IRS a 1099 with the cash out AND the previous loan amount. When I called Schwab and asked what the deal was the first thing they said to me was this is why people shouldnt do their own taxes to which I replied well thats what happens when you send people the wrong 1099 Im no tax consultant but Im pretty sure if a customer came in for their taxes to be done and thats the 1099 for they were given the outcome would have been exactly the same The sad part is when I explained how I had overpaid to cover for anything unexpected he got very arrogant and chuckled and told me well you didnt do it right obviously. If I were in the same room with him I could have choked him on the spot which yes would have led to only more problems for myself. I then asked that he send us the 1099 form for that year and he said that the forms were on his desk and he would have it to us in a few days. Fast forward over a month later and we got the form, the correct form, the one that if I had received in the first place my wife and I would not be in this situation Charles Schwab is negligent to say the least and if it were up to me they would be paying for all the interest, penalties and fees associated with our new nearly 200 a month payment to the IRS. Tania of Gardena, CA on Sept. 5, 2015 How secure is Schwab They couldnt tell forgery of same hand. See photos of obvious forgeries. The ConsumerAffairs Research Team believes everyone deserves to make smart decisions. We aim to provide readers with the most up-to-date information available about today39s consumer products and services. Charles Schwab offers a wide range of financial services and products, including online trading for all levels of investors. The publicly-traded company was founded in 1973 and is headquartered in San Francisco. The full-service firm has offices across the country to provide investors with support for whatever type of brokerage service they have. Personal consultations . Customers with trading accounts can set up a free consultation with a professional broker to learn about the online trading platform or review their investing strategy. Clients can schedule a phone or online chat consultation or visit a local Charles Schwab office. Platform . Charles Schwabs proprietary StreetSmart Edge platform was designed to help online traders find investment information and make trades. Interested consumers can visit the website to view a brief demo or have a more extensive walk-through. The Charles Schwab website lists the speed at which the platform executes trades for customers who want to make trades very quickly. Research tools . Charles Schwab clients have access to resources to help them gain information about stocks, options and other investment assets, like a letter-grade rating based on Charles Schwabs predictions. Local workshops . Some Charles Schwab offices host live workshops for those with online trade accounts with the company. Interested consumers and existing clients find information for the nearest workshop location online. Best for Charles Schwab is best for self-directed investors with some prior knowledge of the stock market. It also has service for semi-involved or hands-off investors. Compare Online Brokers
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