Jan 2, 2024 · Charles Schwab is one of the best overall IRA providers, with high-quality customer service, no account minimum and low fees. The company offers a large selection of no-transaction-fee funds and ... Charles Schwab's Chief Strategist Liz Ann Sonders talked to us about how to financial advisory world needs to wake up to the fact that more 50% of household assets are controll... Schwab Brokerage Expect more freebies, a bigger branch network, and an upsell. By clicking "TRY IT", I agree to receive newsletters and promotions from Money and its partners. I agree to Money's Te... Start choosing the right investments for you. Open an Account. or call 866-855-5637. Get the products that fit your investment strategy needs at Schwab. Choose from multiple types of investment options, including ETFs, money market funds, and more. Schwab Bank Investor Checking™ is the checking account built for investors like you. It is conveniently linked to a Schwab One ® Brokerage account so you get all the features of our award-winning checking account plus cash management solutions designed for investors like you—seamlessly in one place, with one login, only from Schwab. 1Schwab Fixed Income Specialists can help meet your goal with unbiased guidance. Leveraging their advice and experience to review and recommend a fixed income strategy customized to one important investor: You. From income to diversification, call a Schwab Fixed Income Specialist to meet your specific needs. 877-903-8069Schwab One® Custodial Account and Custodial IRA $0 SEP-IRA, SARSEP-IRA, SIMPLE IRA, Qualified Retirement Plan, Keogh, Company Retirement Account, Pension Trust, Individual 401(k), and 403(b)(7) Accounts $0 Schwab One® Organization Account Schwab One® Organization accounts require a minimum deposit to open. Please contact …The Schwab One brokerage account has no minimum balance requirements, minimum balance charges, minimum trade requirements, and there is no requirement to fund this …Schwab Bank Investor Checking linked to a Schwab One® Brokerage11. Opening and ... The Schwab One brokerage account has no minimum balance requirements ... The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. 1. Use of your card through a mobile wallet is subject to the terms and conditions of our Schwab Bank Deposit Account Agreement (which contains information on any potential liability for unauthorized transactions), your Visa ® Debit Card Agreement, the terms and conditions of the mobile wallet that you use ... Feb 20, 2024 · Schwab Value Advantage Money Fund (SWVXX) "One of the Schwab money market funds I like is SWVXX," Penna says. "It invests in short-term securities issued by the U.S. government, corporations and ... To transfer funds from one Schwab account to another, go to the Transfer and Payments tab on Schwab.com or use the Letter of Authorization (LOA) Transfer Assets Between Schwab Accounts form. To obtain additional forms, visit Schwab.com or call 1 …Schwab One® Account Signature Card. Page 1 of 2. www.schwab.com 1-800-435-4000 (inside the U.S.) +1-415-667-8400 (outside the U.S.) 1-888-686-6916 (multilingual services) Use this form to provide Schwab with a sample of your handwritten signature. Your handwritten signature may be used to validate transaction requests on the account you …Schwab Mobile Deposit is subject to certain eligibility requirements, limitations, and other conditions. Enrollment is not guaranteed, and standard hold policies apply. Requires a wireless signal or mobile connection. • Online transfers—Transfer funds from another Schwab Bank account, your Schwab One® brokerage account, or your accountsA Schwab One Estate Account may be opened only if the estate is currently being probated under court supervision and a final decree of distribution has not been entered. (0923-33Y0) Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value. The Charles Schwab Corporation provides a full range of brokerage, banking and ...The frame cuts to a full screenshot of the Schwab.com client Account Summary page. Personal Value, Day Change, and 6 Month Change appear above a graph. Narrator: Roll over "Trade," then click "All-In-One Trade Ticket." The cursor rolls over "Trade" in the main nav and clicks "All-In-One Trade Ticket." We cut to the All-In-One Trade Ticket page.The Schwab One® Custodial Account Info Sheet A custodial account allows you to open an account in a child’s name and manage it, typically until the child reaches age 18 or 21 and takes full control of the account (or can be up to age 25, depending on state laws). ... The Charles Schwab Corporation provides a full range of brokerage, banking ...Log in to your Schwab account with your client ID and access a range of investment services and products, including brokerage, trading, banking, and wealth management ...Schwab Pension Trust Account also known as CRA (Company Retirement Account) is for a self-directed solo 401k, and with this account you will receive a checkbook ... The Schwab Bank Investor Checking™ account is available only as a linked account with a Schwab One ® brokerage account. The Schwab One brokerage account has no minimum balance requirements, minimum balance charges, minimum trade requirements, and there is no requirement to fund this account, when opened with a linked Investor Checking account. Use this application if you have an existing Schwab One account or a Schwab One account with a linked Schwab Bank Investor Checking account and want to add ...4. The Schwab Bank Investor Checking ™ account is available only as a linked account with a Schwab One ® brokerage account. The Schwab One brokerage account has no minimum balance requirements, minimum balance charges, minimum trade requirements, and there is no requirement to fund this account, when opened with a linked Investor Checking ... Brokerage accounts: We named Schwab as one of the best online brokerages. It offers $0 trade or commission fees for online-listed stocks, ETFs, mutual funds and more; has no account minimum ...Its broker-dealer subsidiary, Charles Schwab & Co., Inc. ("Schwab") (Member SIPC), is registered by the Securities and Exchange Commission ("SEC") in the United States of America and offers investment services and products, including Schwab brokerage accounts, governed by U.S. state law. Schwab is not registered in any other jurisdiction.Schwab has one mission: to help you reach your financial goals. Buy and sell stocks, ETFs, mutual funds, options (1), and more right from your phone (2). We’re committed to transparent pricing and low costs. • Transfer as many accounts as you want to Schwab • Get more details by v…WESTLAKE, Texas- According to Charles Schwab’s SDBA Indicators Report , an industry-leading benchmark on retirement plan participant investment activity within …What are the Benefits of an Individual 401 (k) Plan. Every Schwab account comes with one-on-one investment help and guidance. With this account, you'll also get: Higher potential contribution limits than SEP IRA and profit-sharing plans. Ability to make profit-sharing contributions and pre-tax and Roth salary deferrals.Schwab BrokerageSchwab Wealth Advisory™. Schwab Wealth Advisory provides you with a comprehensive and personalized wealth management strategy that starts with your goals and adapts to …Use this application if you have an existing Schwab One account or a Schwab One account with a linked Schwab Bank Investor Checking account and want to add ...The Schwab Center for Financial Research, a division of Charles Schwab & Co., Inc., conducts extensive research on the full range of actively-managed funds available through Schwab's Mutual Fund OneSource® service. The Select List is built by identifying funds that offer you the best combination of factors such as performance, risk and expense.Use this form to convert a Schwab brokerage account with Custodial (UGMA or UTMA) registration to a Schwab One brokerage account once you have reached the ...The frame cuts to a full screenshot of the Schwab.com client Account Summary page. Personal Value, Day Change, and 6 Month Change appear above a graph. Narrator: Roll over "Trade," then click "All-In-One Trade Ticket." The cursor rolls over "Trade" in the main nav and clicks "All-In-One Trade Ticket." We cut to the All-In-One Trade Ticket page.Open a Schwab One ® Brokerage Account. Page 1 of 9. Schwab.com 1-800-435-4000 (inside the U.S.) +1-415-667-8400 (outside the U.S.) 1-888-686-6916 (multilingual …1. Vanguard S&P 500 ETF. The Vanguard S&P 500 ETF is a standard S&P 500-tracking index fund and an exceptionally cheap one, with an expense ratio (annual …The Schwab One brokerage account has no minimum balance requirements, minimum balance charges, minimum trade requirements, and there is no requirement to fund this …Industry-leading service and support. Enjoy 24/7 service with access to U.S.-based professionals with an average wait time of under 35 seconds. 1. Work with licensed specialists in fields like fixed income, options, futures, and more. Collaborate with a dedicated Financial Consultant to help coordinate your entire financial life. 2.Schwab One Individual Brokerage. Open an account online in about 10 minutes. Before you start, be sure to have your U.S. Social Security Number or Taxpayer Identification …Increased Offer! Hilton No Annual Fee 70K + Free Night Cert Offer! I’m just going to come out and say it. I have too many Platinum cards mostly because of lucrative targeted offers...Neither Schwab nor the products and services it offers may be registered in any other jurisdiction. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. Access to Electronic Services may be limited or unavailable during periods of peak demand, market ...Schwab One ® Custodial Beneficiary Conversion Account Application. Page 1 of 8. www.schwab.com 1-800-435-4000 (inside the U.S.) +1-415-667-8400 (outside the U.S.) 1-888-686-6916 (multilingual services) • Use this form to convert a Schwab brokerage account with Custodial (UGMA or UTMA) registration to a Schwab One brokerage account once …Community Property: This type of brokerage account is owned only by a married couple. The assets are split 50/50 between each spouse, and if one owner dies, the decedent's share will go to their estate. This type of …Use this application if you have an existing Schwab One account or a Schwab One account with a linked Schwab Bank Investor Checking account and want to add ...When it comes to maintaining the performance and safety of your vehicle, having quality tires is essential. Les Schwab is a trusted name in the tire industry, known for their wide ...Open a Schwab brokerage account and invest in financial products like stocks and mutual funds. You can manage your brokerage account with different trading platforms and …Neither Schwab nor the products and services it offers may be registered in any other jurisdiction. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. Access to Electronic Services may be limited or unavailable during periods of peak demand, …The Schwab Retirement Income Variable Annuity® is a streamlined product designed to simplify investing. It offers two optional living benefits to provide a base level of retirement income for life plus access to your assets 2 and two optional enhanced death benefits. 3. Optional living benefits. No surrender charges.Open a Schwab One ® Brokerage Account. Page 1 of 9. Schwab.com 1-800-435-4000 (inside the U.S.) +1-415-667-8400 (outside the U.S.) 1-888-686-6916 (multilingual …If you would like to discuss how Schwab can provide professional trustee services for your personal trust, email us or call 877-862-4304 to speak with a Regional Trust Services Consultant. Charles Schwab Trust Company is committed to providing dedicated, ongoing personal trust management and administration that upholds your wishes for the future.ACTION REQUIRED:Register at SchwabAlliance.com to enroll in paperless statements, tax forms and trade confirmation reports. To receive trade confirmation reports, you will need to be enrolled, which your advisor will help you with. Once enrolled, you will need to register to see these reports on SchwabAlliance.com.Schwab One Trust accounts must have a $100 balance in order to receive a debit card or checks, unless linked to a Schwab Bank Investor Checking account. 1. Charles Schwab & Co., Inc. and its employees are not estate planning attorneys and cannot offer tax or legal advice, or create and prepare legal documents associated with such plans. ...Ranked #1 Most Trusted Bank. The IBD Most Trusted Bank award was given to Charles Schwab Bank on September 25, 2023, and expires December 31, 2024. The criteria, evaluation, and ranking were determined by Investor's Business Daily . Schwab paid a licensing fee to York Graphic Services, LLC for the use of the award and logos. The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. ( member SIPC ), offers investment services and products, including Schwab brokerage accounts. ACTION REQUIRED:Register at SchwabAlliance.com to enroll in paperless statements, tax forms and trade confirmation reports. To receive trade confirmation reports, you will need to be enrolled, which your advisor will help you with. Once enrolled, you will need to register to see these reports on SchwabAlliance.com.Schwab will cover losses in any of your Schwab accounts due to unauthorized activity. The highest levels of security are only possible when we work together. To ensure your protection under this guarantee, it is your responsibility to: Safeguard your account access information.1. Please do not share your account access information, including ...Its broker-dealer subsidiary, Charles Schwab & Co., Inc. ("Schwab") (Member SIPC), is registered by the Securities and Exchange Commission ("SEC") in the United States of America and offers investment services and products, including Schwab brokerage accounts, governed by U.S. state law. Schwab is not registered in any other jurisdiction.To open an account, download a Schwab One ® Account Application for Incorporated Organizations or Non-Incorporated Organizations. If you need help with the application or have specific questions about opening an account, call 866-516-0483 (open Monday–Friday, 8:30 a.m.–8 p.m. ET) or contact a local Financial Consultant.Keeping your beneficiaries up to date helps ensure that you don't inadvertently leave money to the wrong people or leave a loved one out of your plan. Also, anytime you close an account and move your money over to a new one, you'll want to make sure you take the time to specify your beneficiaries again. For example, if you recently rolled over ... Enroll and make a qualifying net deposit of cash or securities of $1,000,000 or more and earn a bonus award of $2,500. Schwab Investor Reward offers both existing and new clients up to $2,500 as a cash bonus. Learn more about this Schwab promotion and enroll through quick easy steps. Once your account is funded, you're ready to start trading. Follow our step-by-step guide to place your first trade. Time-saving tip: Place your trade with our All-In-One Trade Ticket ® . You'll get easy access to multiple asset types (stocks, ETFs, and options), and you'll be able to place and execute your trades from a single location.Charles Schwab is one of the world’s leading financial services companies. It offers a niche selection of around 30 proprietary exchange-traded funds that run the gamut from passive index funds ...Schwab is truly a one-stop shop for your money needs. It offers banking products such as the Schwab Bank High Yield Investor Checking account, CDs, and credit cards. Managed portfolios Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. Nov 6, 2022 ... In this video I show you step by step how easy it is to open a Charles Schwab brokerage account. To take action and confidently investing in ... Enroll and make a qualifying net deposit of cash or securities of $1,000,000 or more and earn a bonus award of $2,500. Schwab Investor Reward offers both existing and new clients up to $2,500 as a cash bonus. Learn more about this Schwab promotion and enroll through quick easy steps. 4. The Schwab Bank Investor Checking ™ account is available only as a linked account with a Schwab One ® brokerage account. The Schwab One brokerage account has no minimum balance requirements, minimum balance charges, minimum trade requirements, and there is no requirement to fund this account, when opened with a linked Investor Checking ... This Schwab Starter Kit offer is limited to one per account, with no more than one account enrolled per client and does not apply to Schwab Bank Investor Checking™ accounts, the Schwab Global Account™, joint accounts, trust accounts, custodial accounts, IRAs, ERISA-covered retirement plans, other tax-qualified retirement plans and accounts ... Dec 19, 2023 · Schwab One Trust Account is an easy way to manage and protect your trust's assets for estates of any size. This account comes with all the benefits that the Schwab One brokerage account offers, as ... If you would like to discuss how Schwab can provide professional trustee services for your personal trust, email us or call 877-862-4304 to speak with a Regional Trust Services Consultant. Charles Schwab Trust Company is committed to providing dedicated, ongoing personal trust management and administration that upholds your wishes for the future. 1 Please note not all account types are eligible for linking to Schwab Equity Award Center®: Individual Schwab One or brokerage accounts may be used to exercise your employee stock options. Joint Schwab One or brokerage accounts may be used by U.S. employees to exercise your employee stock options. Margin interest will be charged in accordance with the terms of the. Brokerage Account Agreement. Margin Loan Outstanding: This is the amount of the loan in ...4. The Schwab Bank Investor Checking ™ account is available only as a linked account with a Schwab One ® brokerage account. The Schwab One brokerage account has no minimum balance requirements, minimum balance charges, minimum trade requirements, and there is no requirement to fund this account, when opened with a linked Investor Checking ... Transfer funds to your savings account online from a Schwab One ® brokerage account or Schwab Bank Investor Checking ™ account. Set up direct deposit into your Investor Savings account. Apply for Schwab Mobile Deposit™ to make deposits from anywhere. 4; Mail a check to Schwab Bank using a free postage-paid envelope. Deposit and lending products and services are offered by Charles Schwab Bank. Member FDIC and Equal Housing Lender. Home lending is offered and provided by Quicken Loans, Inc, Equal Housing Lender. NMLS #3030. Quicken Loans Inc., is not affiliated with The Charles Schwab Corporation, Charles Schwab & Co., Inc. or Charles Schwab Bank. Schwab One Trust Account is an easy way to manage and protect your trust's assets for estates of any size. This account comes with all the benefits that the …Once your account is funded, you're ready to start trading. Follow our step-by-step guide to place your first trade. Time-saving tip: Place your trade with our All-In-One Trade Ticket ® . You'll get easy access to multiple asset types (stocks, ETFs, and options), and you'll be able to place and execute your trades from a single location.The frame cuts to a full screenshot of the Schwab.com client Account Summary page. Personal Value, Day Change, and 6 Month Change appear above a graph. Narrator: Roll over "Trade," then click "All-In-One Trade Ticket." The cursor rolls over "Trade" in the main nav and clicks "All-In-One Trade Ticket." We cut to the All-In-One Trade Ticket page.Use this form to transfer securities and/or funds from another financial institution (e.g., brokerage, mutual fund company, bank, or insurance company) into your Schwab One Brokerage Account and your associated Schwab Global Account.Get an overview about all SCHWAB-ETFS ETFs – price, performance, expenses, news, investment volume and more. Indices Commodities Currencies StocksSchwab One® Account Agreement— The agreement you make with us and the Bank when you open a Schwab One ® Account, consisting of the Schwab One ® Application, this Schwab One ® Account Agreement and any other written agreements between you and us concerning your Schwab One ® Account, all as amended from time to time. Jan 4, 2024 ... As a brokerage firm, Charles Schwab offers a multitude of investment accounts, but it is also an online bank, with both checking and savings ... The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. 1. Use of your card through a mobile wallet is subject to the terms and conditions of our Schwab Bank Deposit Account Agreement (which contains information on any potential liability for unauthorized transactions), your Visa ® Debit Card Agreement, the terms and conditions of the mobile wallet that you use ... Schwab One Trust accounts must have a $100 balance in order to receive a debit card or checks, unless linked to a Schwab Bank Investor Checking account. 1. Charles Schwab & Co., Inc. and its employees are not estate planning attorneys and cannot offer tax or legal advice, or create and prepare legal documents associated with such plans. ...Fidelity and Charles Schwab are both top online brokerages, but their investment research resources, asset types, and fees vary. ... Schwab charges a $300 one-time planning fee, plus a $30/month ... The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. 1. Use of your card through a mobile wallet is subject to the terms and conditions of our Schwab Bank Deposit Account Agreement (which contains information on any potential liability for unauthorized transactions), your Visa ® Debit Card Agreement, the terms and conditions of the mobile wallet that you use ... Schwab One Account Agreement · April 2023 · Please read this important information carefully. · Schwab One® Account Agreement · Information about your: ...Its broker-dealer subsidiary, Charles Schwab & Co., Inc. ("Schwab") (Member SIPC), is registered by the Securities and Exchange Commission ("SEC") in the United States of America and offers investment services and products, including Schwab brokerage accounts, governed by U.S. state law. Schwab is not registered in any other jurisdiction.Schwab One Individual Brokerage. Open an account online in about 10 minutes. Before you start, be sure to have your U.S. Social Security Number or Taxpayer Identification … The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. 1. Use of your card through a mobile wallet is subject to the terms and conditions of our Schwab Bank Deposit Account Agreement (which contains information on any potential liability for unauthorized transactions), your Visa ® Debit Card Agreement, the terms and conditions of the mobile wallet that you use ... Open a Schwab One ® Brokerage Account. Page 1 of 9. Schwab.com 1-800-435-4000 (inside the U.S.) +1-415-667-8400 (outside the U.S.) 1-888-686-6916 (multilingual …
Margin interest will be charged in accordance with the terms of the. Brokerage Account Agreement. Margin Loan Outstanding: This is the amount of the loan in .... Best beginner credit card
If your Schwab One brokerage account does not have the margin feature, it’s easy to add it online by logging into your Schwab account and clicking on Service > Account Settings > Options & Margins. This page will also indicate whether your account has the …Research. Customer support. Charles Schwab is consistently rated among the top brokers in Bankrate’s reviews by offering one of the most comprehensive offerings in the industry. With its ...Schwab Value Advantage Money Fund – Investor Shares (SWVXX) 0.34%. 5.19% (7-day yield) 1.28%. *All data sourced from Morningstar Direct, current as of March 1, 2024, unless noted otherwise ... A self-directed brokerage account expands your retirement offering beyond a preselected investment lineup. It gives participants more flexibility to select the individual investments in their plan. The Schwab Personal Choice Retirement Account ® (PCRA) is our self-directed account option, and it's designed to fit seamlessly into any plan you ... Brokerage accounts: We named Schwab as one of the best online brokerages. It offers $0 trade or commission fees for online-listed stocks, ETFs, mutual funds and more; has no account minimum ...Schwab One Brokerage Account Number. 2. Existing Account Holder Information (Required) The information provided in this section will be used by Schwab to update your account information for your linked Brokerage account and, if applicable, your associated Schwab Global Account, and by Schwab Bank to open and service your account.Its broker-dealer subsidiary, Charles Schwab & Co., Inc. ("Schwab") (Member SIPC), is registered by the Securities and Exchange Commission ("SEC") in the United States of America and offers investment services and products, including Schwab brokerage accounts, governed by U.S. state law. Schwab is not registered in any other jurisdiction.Charles Schwab Bank provides customer service through multiple avenues, including X (Twitter) and chat support. The bank’s phone support is available from 4 a.m. to 8 p.m. PT on weekdays and 6 a ...Maybe you’ve never invested before. Maybe you have no clue what the difference is between NASDAQ and the New York Stock Exchange. Regardless, the name Charles Schwab probably rings...Neither Schwab nor the products and services it offers may be registered in any other jurisdiction. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. Access to Electronic Services may be limited or unavailable during periods of peak demand, market ... Neither Schwab nor the products and services it offers may be registered in your jurisdiction. Neither Schwab nor the products and services it offers may be registered in any other jurisdiction. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. Step 1: Create the account and add your personal information. To get started, head to the Schwab One webpage and click the "Apply Now" button on the right-hand side of the page. That will bring up ...Schwab reported just $4.9 billion in core net new assets that month. ... And the vast majority of former TD Ameritrade customers are now on Schwab’s platform. Schwab is one of …Schwab One Brokerage Accounts (including taxable brokerage and company retirement accounts) Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value. The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Its broker-dealer subsidiary, ...A Schwab One ® brokerage account is an investment account that can help you work toward your goals by enabling you to manage, buy, and sell equity such as stocks, bonds, mutual funds, and exchange-traded funds (ETFs).Schwab Network: Real-time insights, every trading day. Get analysis and interpretation of the market—livestreaming or on-demand—with Schwab Network, brought to you by our media affiliate. Tune in. Schwab Network is brought to you by Charles Schwab Media Productions Company ("CSMPC").Use this form to transfer securities and/or funds from another financial institution (e.g., brokerage, mutual fund company, bank, or insurance company) into your Schwab One Brokerage Account and your associated Schwab Global Account.A Schwab One ® brokerage account is an investment account that can help you work toward your goals by enabling you to manage, buy, and sell equity such as stocks, bonds, mutual funds, and exchange-traded funds (ETFs). The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. 1. Use of your card through a mobile wallet is subject to the terms and conditions of our Schwab Bank Deposit Account Agreement (which contains information on any potential liability for unauthorized transactions), your Visa ® Debit Card Agreement, the terms and …The Schwab Retirement Income Variable Annuity® is a streamlined product designed to simplify investing. It offers two optional living benefits to provide a base level of retirement income for life plus access to your assets 2 and two optional enhanced death benefits. 3. Optional living benefits. No surrender charges.Find top-performing mutual funds, including Schwab Index Funds and leading funds from third-party providers, across various categories with our Mutual Fund OneSource Select List ®. Rigorously prescreened by our experts and updated each quarter, the list narrows down a universe of 20,000 mutual funds to carefully selected options..