Pure Benchmarks · Portfolio Benchmark Report
Is Your Charles Schwab Retirement Plan Services Portfolio Underperforming?
Charles Schwab Retirement Plan Services is a workplace retirement platform, where plan menus and a default target-date fund shape most participants' allocations.
Pure Benchmarks ranks real Charles Schwab Retirement Plan Services portfolios against thousands of other verified investor portfolios across nine standardized risk categories, from 100% equity to 90% fixed income. Every portfolio is recategorized daily from actual end-of-day holdings, and Community Nests shows exactly where your Charles Schwab Retirement Plan Services portfolio ranks against other real Charles Schwab Retirement Plan Services clients in the same risk category — built entirely from verified portfolio data, with no firm that manages money able to see any data point on the platform.
Why your Charles Schwab Retirement Plan Services portfolio can lag a pure index baseline
The default-menu ceiling. Workplace plans limit choices to a set menu and often default balances into a single target-date fund. Convenient defaults and a bounded fund list can quietly hold the allocation away from a broad low-cost index baseline.
What to review on a Charles Schwab Retirement Plan Services portfolio
- Check whether the balance is sitting in a default target-date fund rather than a chosen allocation.
- Look at how the plan-menu allocation compares with a broad low-cost index baseline.
Illustrative 10-year comparison — a standard managed portfolio versus a pure index baseline. Figures are illustrative only.
| Year | Standard managed portfolio | Pure index baseline | Gap |
|---|---|---|---|
| Year 1 | $105,200 | $107,000 | -$1,800 |
| Year 3 | $116,400 | $122,500 | -$6,100 |
| Year 5 | $128,700 | $140,300 | -$11,600 |
| Year 7 | $142,300 | $160,600 | -$18,300 |
| Year 10 | $165,100 | $196,700 | -$31,600 |
See exactly where your Charles Schwab Retirement Plan Services portfolio stands.
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This page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.