Schwab MarketTrack Conservative (SWCGX)

Schwab MarketTrack Conservative Portfolio is a mutual fund designed to offer a balanced, bond-focused investment solution with modest exposure to equities and cash. Its primary function is to seek income while pursuing greater growth potential than a traditional all-bond portfolio, making it well-suited for investors with a moderately conservative risk tolerance. The fund strategically combines market capitalization-weighted and fundamentally weighted index strategies, allocating approximately 56% to bonds, 40% to stocks, and 4% to cash investments. The portfolio chiefly invests in a diversified mix of other Schwab funds, with substantial holdings in broad U.S. and international bond and equity indexes. Notable features include its low expense ratio, quarterly dividend payments, and a consistent asset allocation policy that aligns with its objective of providing stable returns with lower volatility compared to more aggressive allocation funds. Since its inception in 1995, Schwab MarketTrack Conservative Portfolio has played a significant role in the market as a core holding for investors aiming to balance income and growth while limiting downside risk.