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SECURITIES AND EXCHANGE COMMISSION
CERTIFIED SHAREHOLDER REPORT OF
REGISTERED MANAGEMENT INVESTMENT COMPANIES
Investment Company Act file number: 811-07704
Schwab Capital Trust – Schwab Monthly Income
(Exact name of registrant as specified in charter)
9800 Schwab Way, Lone Tree, Colorado 80124
(Address of principal executive offices) (Zip code)
Schwab Capital Trust – Schwab Monthly Income Funds
9800 Schwab Way, Lone Tree, Colorado 80124
(Name and address of agent for service)
Registrant’s telephone number, including area code: (800) 648-5300
Date of fiscal year end: December 31
Date of reporting period: December 31, 2025
Item 1: Report(s) to Shareholders.
December 31, 2025
Schwab Monthly Income Fund – Target Payout
This annual shareholder report contains important information about the fund for the period of January 1, 2025, to December 31,
2025.
You can find additional information about the fund at
www.schwabassetmanagement.com/prospectus
.
You can also request
this information by calling
or by sending an email request to
orders@mysummaryprospectus.com
.
If you purchase
or hold fund shares through a financial intermediary, the fund’s prospectus, Statement of Additional Information (SAI), reports to
shareholders and other information about the fund are available from your financial intermediary.
FUND COSTS FOR THE LAST year ENDED December 31, 2025
(BASED ON A HYPOTHETICAL $10,000 INVESTMENT)
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Schwab Monthly Income Fund – Target Payout* |
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Expenses were reduced by a contractual fee waiver in effect for so long as the investment adviser serves as adviser to the fund. This agreement to limit the total annual
fund operating expenses is limited to the fund’s direct operating expenses and, therefore, does not apply to acquired fund fees and expenses (AFFE), which are indirect
expenses incurred by the fund through its investments in the underlying funds.
MANAGEMENT’S DISCUSSION OF FUND PERFORMANCE
For the 12-month reporting period ended December 31, 2025, the fund returned 12.17%. The S&P 500
®
Index, which provides a
broad measure of equity market performance, and the Bloomberg US Aggregate Bond Index, which provides a broad measure of
bond market performance, returned 17.88% and 7.30%, respectively. The fund’s internally calculated comparative index, the Target
Payout Composite Index (the composite index), returned 11.66%.
■
The fund’s distribution yield (payout) was 4.78%
1
■
Asset allocations were broadly in line with those of the composite index
■
Top contributors to total return:
●
Schwab International Dividend Equity ETF
●
Schwab U.S. Aggregate Bond Index Fund
■
Over the reporting period, there were no detractors from the return of the fund. However, the smallest contributors to total return
were:
●
BlackRock High Yield Bond Portfolio (Class K)
●
Schwab 5-10 Year Corporate Bond ETF
Portfolio holdings may have changed since the report date.
Distributions may exceed income available and may include capital gains or return of capital to help reach the annual payout rate. A return of capital is a distribution from the
shareholder’s investment principal, rather than net profits from the fund’s returns. Shareholders who receive periodic distributions consisting of a return of capital may be
under the impression that they are receiving net profits when they are not. Return of capital reduces your cost basis in the fund’s shares and is not taxable to you until your
cost basis has been reduced to zero. The tax-basis of distributions are finalized at fiscal year-end and may be recharacterized from income distributions to capital gains or
return of capital.
Schwab Monthly Income Fund – Target Payout | Annual Report
The performance data quoted represents past performance. Past performance does not guarantee future results. Investment returns
and principal value will fluctuate so that an investor’s shares may be worth more or less than their original cost. Current performance may be lower or higher than performance data quoted.
To obtain performance information current to the most recent month end, please
www.schwabassetmanagement.com/prospectus
Performance of Hypothetical $10,000 Investment (December 31, 2015 - December 31, 2025)
Average Annual Total Returns
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Fund: Schwab Monthly Income Fund – Target Payout (03/28/2008) 1 |
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Bloomberg US Aggregate Bond Index |
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Target Payout Composite Index |
|
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All total returns on this page assume dividends and distributions were reinvested. Index figures do not include trading and management costs, which would lower
performance. Indices are unmanaged and cannot be invested in directly. Performance results less than one year are not annualized.
For index definitions, please see www.schwabassetmanagement.com/glossary.
The fund’s routine expenses have been absorbed by the investment adviser and its affiliates. Without these reductions, the fund’s returns would have been lower.
T
hese
returns do not reflect the deduction of taxes that a shareholder would pay on fund distributions or the redemption of fund shares.
Schwab Monthly Income Fund – Target Payout | Annual Report
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Advisory Fees Paid by the Fund |
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12-Month Distribution Yield |
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Foreign Tax Paid and Passed Through |
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Gross Income from Foreign Sources |
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Dividends Received Deduction |
|
Qualified Dividend Income |
|
Qualified Business Income (199A) |
|
Business Interest Deduction (163j) |
|
Asset Class Weightings % of Investments
Top Holdings % of Net Assets
Portfolio holdings may have changed since the report date.
12-Month Distribution Yield calculation reflects the fund’s monthly income distributions for the last 12 months divided by the fund’s Net Asset Value as of the end of the
reporting period. Fund expenses may have been partially absorbed by the investment adviser and its affiliates. Without these reductions, the total return/yield may have been
Distributions may exceed income available and may include capital gains or return of capital to help reach the annual payout rate. A return of capital is a distribution from the
shareholder’s investment principal, rather than net profits from the fund’s returns. Shareholders who receive periodic distributions consisting of a return of capital may be
under the impression that they are receiving net profits when they are not. Return of
capital
reduces your cost basis in the fund’s shares and is not taxable to you until your
cost basis has been reduced to zero. The tax-basis of distributions are finalized at fiscal year-end and may be recharacterized from income distributions to capital gains or
return of capital.
Schwab Monthly Income Fund – Target Payout | Annual Report
AVAILABILITY OF ADDITIONAL INFORMATION
You can find the fund’s prospectus, Statement of Additional Information (SAI), reports to shareholders, financial information,
holdings, certain tax information, proxy voting information, and other information about the fund online at
www.schwabassetmanagement.com/prospectus
.
Proxy Voting Policies, Procedures and Results
A description of the proxy voting policies and procedures used to determine how to vote proxies on behalf of the funds is available
without charge, upon request, by visiting the Schwab Funds’ website at
www.schwabassetmanagement.com/prospectus
, the
SEC’s website at
, or by contacting Schwab Funds at 1-877-824-5615.
Information regarding how a fund voted proxies relating to portfolio securities during the most recent twelve-month period ended
June 30 is available, without charge, by visiting the fund’s website at
www.schwabassetmanagement.com/prospectus
or the
SEC’s website at
, by calling
, or by sending an email request to
orders@mysummaryprospectus.com
.
Schwab Monthly Income Fund – Target Payout | Annual Report
December 31, 2025
Schwab Monthly Income Fund – Flexible Payout
This annual shareholder report contains important information about the fund for the period of January 1, 2025, to December 31,
2025.
You can find additional information about the fund at
www.schwabassetmanagement.com/prospectus
.
You can also request
this information by calling
or by sending an email request to
orders@mysummaryprospectus.com
.
If you purchase
or hold fund shares through a financial intermediary, the fund’s prospectus, Statement of Additional Information (SAI), reports to
shareholders and other information about the fund are available from your financial intermediary.
FUND COSTS FOR THE LAST year ENDED December 31, 2025
(BASED ON A HYPOTHETICAL $10,000 INVESTMENT)
|
|
|
Schwab Monthly Income Fund – Flexible Payout* |
|
|
Expenses were reduced by a contractual fee waiver in effect for so long as the investment adviser serves as adviser to the fund. This agreement to limit the total annual
fund operating expenses is limited to the fund’s direct operating expenses and, therefore, does not apply to acquired fund fees and expenses (AFFE), which are indirect
expenses incurred by the fund through its investments in the underlying funds.
MANAGEMENT’S DISCUSSION OF FUND PERFORMANCE
For the 12-month reporting period ended December 31, 2025, the fund returned 12.14%. The S&P 500
®
Index, which provides a
broad measure of equity market performance, and the Bloomberg US Aggregate Bond Index, which provides a broad measure of
bond market performance, returned 17.88% and 7.30%, respectively. The fund’s internally calculated comparative index, the Flexible
Payout Composite Index (the composite index), returned 11.66%.
■
The fund’s distribution yield (payout) was 4.41%
1
■
Asset allocations were broadly in line with those of the composite index
■
Top contributors to total return:
●
Schwab International Dividend Equity ETF
●
Schwab U.S. Aggregate Bond Index Fund
■
Over the reporting period, there were no detractors from the return of the fund. However, the smallest contributors to total return
were:
●
BlackRock High Yield Bond Portfolio (Class K)
●
Schwab 5-10 Year Corporate Bond ETF
Portfolio holdings may have changed since the report date.
Distributions may exceed income available and may include capital gains or return of capital to help reach the annual payout rate. A return of capital is a distribution from the
shareholder’s investment principal, rather than net profits from the fund’s returns. Shareholders who receive periodic distributions consisting of a return of capital may be
under the impression that they are receiving net profits when they are not. Return of capital reduces your cost basis in the fund’s shares and is not taxable to you until your
cost basis has been reduced to zero. The tax-basis of distributions are finalized at fiscal year-end and may be recharacterized from income distributions to capital gains or
return of capital.
Schwab Monthly Income Fund – Flexible Payout | Annual Report
The performance data quoted represents past performance. Past performance does not guarantee future results. Investment returns
and principal value will fluctuate so that an investor’s shares may be worth more or less than their original cost. Current performance may be lower or higher than performance data quoted.
To obtain performance information current to the most recent month end, please
www.schwabassetmanagement.com/prospectus
Performance of Hypothetical $10,000 Investment (December 31, 2015 - December 31, 2025)
Average Annual Total Returns
|
|
|
|
Fund: Schwab Monthly Income Fund – Flexible Payout (03/28/2008) 1 |
|
|
|
|
|
|
|
Bloomberg US Aggregate Bond Index |
|
|
|
Flexible Payout Composite Index |
|
|
|
All total returns on this page assume dividends and distributions were reinvested. Index figures do not include trading and management costs, which would lower
performance. Indices are unmanaged and cannot be invested in directly. Performance results less than one year are not annualized.
For index definitions, please see www.schwabassetmanagement.com/glossary.
The fund’s routine expenses have been absorbed by the investment adviser and its affiliates. Without these reductions, the fund’s returns would have been lower.
These
returns do not reflect the deduction of taxes that a shareholder would pay on fund distributions or the redemption of fund shares.
Schwab Monthly Income Fund – Flexible Payout | Annual Report
|
|
|
|
|
|
Advisory Fees Paid by the Fund |
|
12-Month Distribution Yield |
|
Foreign Tax Paid and Passed Through |
|
Gross Income from Foreign Sources |
|
Dividends Received Deduction |
|
Qualified Dividend Income |
|
Qualified Business Income (199A) |
|
Business Interest Deduction (163j) |
|
Asset Class Weightings % of Investments
Top Holdings % of Net Assets
Portfolio holdings may have changed since the report date.
12-Month Distribution Yield calculation reflects the fund’s monthly income distributions for the last 12 months divided by the fund’s Net
Asset
Value as of the end of the
reporting period. Fund expenses may have been partially absorbed by the investment adviser and its affiliates. Without these reductions, the total return/yield may have been
lower.
Distributions may exceed income available and may include capital gains or return of capital to help reach the annual payout rate. A return of capital is a distribution from the
shareholder’s investment principal, rather than net profits from the fund’s returns. Shareholders who receive periodic distributions consisting of a return of capital may be
under the impression that they are receiving net profits when they are not. Return of capital reduces your cost basis in the fund’s shares and is not taxable to you until your
cost basis has been reduced to zero. The tax-basis of distributions are finalized at fiscal year-end and may be recharacterized from income distributions to capital gains or
return of capital.
Schwab Monthly Income Fund – Flexible Payout | Annual Report
AVAILABILITY OF ADDITIONAL INFORMATION
You can find the fund’s prospectus, Statement of Additional Information (SAI), reports to shareholders, financial information,
holdings, certain tax information, proxy voting information, and other information about the fund online at
www.schwabassetmanagement.com/prospectus
.
Proxy Voting Policies, Procedures and Results
A description of the proxy voting policies and procedures used to determine how to vote proxies on behalf of the funds is available
without charge, upon request, by visiting the Schwab Funds’ website at
www.schwabassetmanagement.com/prospectus
, the
SEC’s website at
, or by contacting Schwab Funds at 1-877-824-5615.
Information regarding how a fund voted proxies relating to portfolio securities during the most recent twelve-month period ended
June 30 is available, without charge, by visiting the fund’s website at
www.schwabassetmanagement.com/prospectus
or the
SEC’s website at
, by calling
, or by sending an email request to
orders@mysummaryprospectus.com
.
Schwab Monthly Income Fund – Flexible Payout | Annual Report
December 31, 2025
Schwab Monthly Income Fund – Income Payout
This annual shareholder report contains important information about the fund for the period of January 1, 2025, to December 31,
2025.
You can find additional information about the fund at
www.schwabassetmanagement.com/prospectus
.
You can also request
this information by calling
or by sending an email request to
orders@mysummaryprospectus.com
.
If you purchase
or hold fund shares through a financial intermediary, the fund’s prospectus, Statement of Additional Information (SAI), reports to
shareholders and other information about the fund are available from your financial intermediary.
FUND COSTS FOR THE LAST year ENDED December 31, 2025
(BASED ON A HYPOTHETICAL $10,000 INVESTMENT)
|
|
|
Schwab Monthly Income Fund – Income Payout* |
|
|
Expenses were reduced by a contractual fee waiver in effect for so long as the investment adviser serves as adviser to the fund. This agreement to limit the total annual
fund operating expenses is limited to the fund’s direct operating expenses and, therefore, does not apply to acquired fund fees and expenses (AFFE), which are indirect
expenses incurred by the fund through its investments in the underlying funds.
MANAGEMENT’S DISCUSSION OF FUND PERFORMANCE
For the 12-month reporting period ended December 31, 2025, the fund returned 9.85%. The S&P 500
®
Index, which provides a
broad measure of equity market performance, and the Bloomberg US Aggregate Bond Index, which provides a broad measure of
bond market performance, returned 17.88% and 7.30%, respectively. The fund’s internally calculated comparative index, the Income
Payout Composite Index (the composite index), returned 9.67%.
■
The fund’s distribution yield (payout) was 4.63%
1
■
Asset allocations were broadly in line with those of the composite index
■
Top contributors to total return:
●
Schwab International Dividend Equity ETF
●
Schwab U.S. Aggregate Bond Index Fund
■
Over the reporting period, there were no detractors from the return of the fund. However, the smallest contributors to total return
were:
●
BlackRock High Yield Bond Portfolio (Class K)
●
Schwab Long-Term U.S. Treasury ETF
Portfolio holdings may have changed since the report date.
Does not expect to include capital gains or return of capital to help reach the annual payout rate. A return of capital is a distribution from the shareholder’s investment
principal, rather than net profits from the fund’s returns. Shareholders who receive periodic distributions consisting of a return of capital may be under the impression that
they are receiving net profits when they are not. Return of capital reduces your cost basis in the fund’s shares and is not taxable to you until your cost basis has been reduced
to zero. The tax-basis of distributions are finalized at fiscal year-end and may be recharacterized from income distributions to capital gains or return of capital.
Schwab Monthly Income Fund – Income Payout | Annual Report
The performance data quoted represents past performance. Past performance does not guarantee future results. Investment returns
and principal value will fluctuate so that an investor’s shares may be worth more or less than their original cost. Current performance may be lower or higher than performance data quoted.
To obtain performance information current to the most recent month end, please
www.schwabassetmanagement.com/prospectus
Performance of Hypothetical $10,000 Investment (December 31, 2015 - December 31, 2025)
Average Annual Total Returns
|
|
|
|
Fund: Schwab Monthly Income Fund – Income Payout (03/28/2008) 1 |
|
|
|
|
|
|
|
Bloomberg US Aggregate Bond Index |
|
|
|
Income Payout Composite Index |
|
|
|
All total returns on this page assume dividends and distributions were reinvested. Index figures do not include trading and management costs, which would lower
performance. Indices are unmanaged and cannot be invested in directly. Performance results less than one year are not annualized.
For index definitions, please see www.schwabassetmanagement.com/glossary.
The fund’s routine expenses have been absorbed by the investment adviser and its affiliates. Without these reductions, the fund’s returns would have been lower.
These
returns do not reflect the deduction of taxes that a shareholder would pay on fund distributions or the redemption of fund shares.
Schwab Monthly Income Fund – Income Payout | Annual Report
|
|
|
|
|
|
Advisory Fees Paid by the Fund |
|
12-Month Distribution Yield |
|
Foreign Tax Paid and Passed Through |
|
Gross Income from Foreign Sources |
|
Dividends Received Deduction |
|
Qualified Dividend Income |
|
Qualified Business Income (199A) |
|
Business Interest Deduction (163j) |
|
Asset Class Weightings % of Investments
Top Holdings % of Net Assets
Portfolio holdings may have changed since the report date.
12-Month Distribution Yield calculation reflects the fund’s monthly income distributions for the last 12 months divided by the fund’s Net Asset Value as of the end of the
reporting period. Fund expenses may have been partially absorbed by the investment
adviser
and its affiliates. Without these reductions, the total return/yield may have been
lower.
Does not expect to include capital gains or return of capital to help reach the annual payout rate. A return of capital is a distribution from the shareholder’s investment
principal, rather than net profits from the fund’s returns. Shareholders who receive
periodic
distributions consisting of a return of capital may be under the impression that
they are receiving net profits when they are not. Return of capital reduces your cost basis in the fund’s shares and is not taxable to you until your cost basis has been reduced
to zero. The tax-basis of distributions are finalized at fiscal year-end and may be recharacterized from income distributions to capital gains or return of capital.
Schwab Monthly Income Fund – Income Payout | Annual Report
AVAILABILITY OF ADDITIONAL INFORMATION
You can find the fund’s prospectus, Statement of Additional Information (SAI), reports to shareholders, financial information,
holdings, certain tax information, proxy voting information, and other information about the fund online at
www.schwabassetmanagement.com/prospectus
.
Proxy Voting Policies, Procedures and Results
A description of the proxy voting policies and procedures used to determine how to vote proxies on behalf of the funds is available
without charge, upon request, by visiting the Schwab Funds’ website at
www.schwabassetmanagement.com/prospectus
, the
SEC’s website at
, or by contacting Schwab Funds at 1-877-824-5615.
Information regarding how a fund voted proxies relating to portfolio securities during the most recent twelve-month period ended
June 30 is available, without charge, by visiting the fund’s website at
www.schwabassetmanagement.com/prospectus
or the
SEC’s website at
, by calling
, or by sending an email request to
orders@mysummaryprospectus.com
.
Schwab Monthly Income Fund – Income Payout | Annual Report
Item 2: Code of Ethics.
| (a) |
Registrant has adopted a code of ethics that applies to its principal executive officer, principal financial officer, and any other persons who perform a similar function, regardless of whether these individuals are employed by Registrant or a third party. |
| (c) |
During the period covered by the report, no amendments were made to the provisions of this code of ethics. |
| (d) |
During the period covered by the report, Registrant did not grant any waivers, including implicit waivers, from the provisions of this code of ethics. |
| (f)(1) |
Registrant has filed this code of ethics as an exhibit pursuant to Item 19(a)(1) of Form N-CSR. |
Item 3: Audit Committee Financial Expert.
Registrant’s Board of Trustees has determined that Kimberly S. Patmore, Michael J. Beer and J. Derek Penn, each currently serving on its audit, compliance and valuation committee, are each an “audit committee financial expert,” as such term is defined in Item 3 of Form N-CSR. Each member of Registrant’s audit, compliance and valuation committee is “independent” under the standards set forth in Item 3 of Form N-CSR.
The designation of each of Ms. Patmore, Mr. Beer and Mr. Penn as an “audit committee financial expert” pursuant to Item 3 of Form N-CSR does not (i) impose upon such individual any duties, obligations, or liability that are greater than the duties, obligations and liability imposed upon such individual as a member of Registrant’s audit, compliance and valuation committee or Board of Trustees in the absence of such designation; and (ii) affect the duties, obligations or liability of any other member of Registrant’s audit, compliance and valuation committee or Board of Trustees.
Item 4: Principal Accountant Fees and Services.
Registrant is composed of fifty-two operational series. Three series have a fiscal year-end of December 31, one series has a fiscal year-end of the last day of February, twelve series have a fiscal year-end of March 31, and thirty-six series have a fiscal year-end of October 31. Principal accountant fees disclosed in Items 4(a)-(d) and 4(g) include fees billed for services rendered to the fifty-two operational series during 2025/2026 and 2024/2025, based on their respective 2025/2026 and 2024/2025 fiscal years, as applicable.
The following table presents fees billed by the principal accountant in each of the last two fiscal years for the services rendered to the funds:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| (a)Audit Fees1 |
|
|
(b)Audit-Related Fees2 |
|
|
(c) Tax Fees3 |
|
|
(d) All Other Fees |
|
Fiscal Year
2025/2026 |
|
|
Fiscal Year
2024/2025 |
|
|
Fiscal Year
2025/2026 |
|
|
Fiscal Year
2024/2025 |
|
|
Fiscal Year
2025/2026 |
|
|
Fiscal Year
2024/2025 |
|
|
Fiscal Year
2025/2026 |
|
|
Fiscal Year
2024/2025 |
|
| $ |
1,292,600 |
|
|
$ |
1,292,600 |
|
|
$ |
95,400 |
|
|
$ |
95,400 |
|
|
$ |
170,820 |
|
|
$ |
170,820 |
|
|
$ |
0 |
|
|
$ |
0 |
|
| 1 |
The nature of the services includes audit of the registrant’s annual financial statements and normally provided services in connection with regulatory filings for those fiscal years. |
| 2 |
The nature of the services includes assurance and related services to the performance of the audit for compliance with Rule 17f-2 under the Investment Company Act of 1940. |
| 3 |
The tax fees consist of professional services relating to tax compliance, tax advice, tax planning, and the preparation of the Registrant’s tax returns. |
| (e) (1) |
Registrant’s audit, compliance and valuation committee does not have pre-approval policies and procedures as described in paragraph (c)(7) of Rule 2-01 of Regulation S-X. |
| (2) |
There were no services described in each of paragraphs (b) through (d) above that were approved by Registrant’s audit, compliance and valuation committee pursuant to paragraph (c)(7)(i)(C) of Rule 2-01 of Regulation S-X. |
(f) Not applicable.
(g) Below are the aggregate non-audit fees billed in each of the last two fiscal years by Registrant’s principal accountant for services rendered to Registrant, to Registrant’s investment adviser, and to any entity controlling, controlled by, or under common control with Registrant’s investment adviser that provides ongoing services to Registrant.
|
|
|
| 2025: $1,966,481 |
|
2024: $1,874,341 |
| (h) |
During the past fiscal year, all non-audit services provided by Registrant’s principal accountant to either Registrant’s investment adviser or to any entity controlling, controlled by, or under common control with Registrant’s investment adviser that provides ongoing services to Registrant were pre-approved. Included in the audit, compliance and valuation committee’s pre-approval was the review and consideration as to whether the provision of these non-audit services is compatible with maintaining the principal accountant’s independence. |
Item 5: Audit Committee of Listed Registrants.
Not applicable.
Item 6: Schedule of Investments.
The schedules of investments are included under Item 7 of this Form.
Item 7: Financial Statements and Financial Highlights for Open-End Management Investment Companies.
Annual Holdings and Financial Statements | December 31, 2025
Schwab Monthly Income Funds
Schwab Monthly Income Fund –
Target Payout
Schwab Monthly Income Fund –
Flexible Payout
Schwab Monthly Income Fund –
Income Payout
Fund investment adviser: Charles Schwab Investment Management, Inc., dba Schwab Asset Management®
Distributor: Charles Schwab & Co., Inc. (Schwab)
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
1
Schwab Monthly Income Fund – Target Payout
Financial Statements
| |
|
|
|
|
|
|
| |
Net asset value at beginning of period |
|
|
|
|
|
|
Income (loss) from investment operations: |
|
|
|
|
|
|
Net investment income (loss)1 |
|
|
|
|
|
|
Net realized and unrealized gains (losses) |
|
|
|
|
|
|
Total from investment operations |
|
|
|
|
|
|
| |
|
|
|
|
|
|
Distributions from net investment income |
|
|
|
|
|
|
Distributions from net realized gains |
|
|
|
|
|
|
| |
|
|
|
|
|
|
| |
|
|
|
|
|
|
Net asset value at end of period |
|
|
|
|
|
|
| |
|
|
|
|
|
|
| |
Ratios to average net assets: |
|
|
|
|
|
|
| |
|
|
|
|
|
|
| |
|
|
|
|
|
|
Net investment income (loss) |
|
|
|
|
|
|
| |
|
|
|
|
|
|
Net assets, end of period (x 1,000,000) |
|
|
|
|
|
|
| |
Calculated based on the average shares outstanding during the period. |
| |
Ratio excludes acquired fund fees and expenses, which are indirect expenses incurred by the fund through its investments in underlying funds. |
| |
Ratio includes less than 0.005% of non-routine proxy expenses. |
2
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Schwab Monthly Income Fund – Target Payout
Portfolio Holdings as of December 31, 2025
This section includes a summary of the fund’s transactions with its affiliated underlying funds during the period.
| |
|
|
|
NET REALIZED GAINS (LOSSES) |
NET CHANGE IN UNREALIZED APPRECIATION (DEPRECIATION) |
|
BALANCE OF SHARES HELD AT 12/31/25 |
|
AFFILIATED UNDERLYING FUNDS 86.0% OF NET ASSETS |
| |
| |
| |
Schwab U.S. Dividend Equity ETF |
|
|
|
|
|
|
|
|
| |
International Stocks 20.2% |
| |
Schwab International Dividend Equity ETF |
|
|
|
|
|
|
|
|
| |
| |
| |
Schwab Global Real Estate Fund |
|
|
|
|
|
|
|
|
| |
| |
| |
Schwab High Yield Bond ETF |
|
|
|
|
|
|
|
|
Intermediate-Term Bond 20.0% |
Schwab 5-10 Year Corporate Bond ETF |
|
|
|
|
|
|
|
|
Schwab U.S. Aggregate Bond Index Fund |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
Long-Term Government Bond 7.0% |
Schwab Long-Term U.S. Treasury ETF |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| |
| |
Schwab Government Money Fund, Ultra |
|
|
|
|
|
|
|
|
Total Affiliated Underlying Funds
(Cost $42,348,878) |
|
|
|
|
|
|
|
|
| |
UNAFFILIATED UNDERLYING FUNDS 14.0% OF NET ASSETS |
| |
| |
| |
T. Rowe Price Institutional Floating Rate Fund, Institutional Class |
|
|
|
|
|
|
|
|
| |
Cohen & Steers Preferred Securities and Income Fund, Class I |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| |
| |
State Street Institutional U.S. Government Money Market Fund, Premier Class, |
|
|
|
|
|
|
|
|
Total Unaffiliated Underlying Funds
(Cost $7,216,141) |
|
|
|
|
|
|
|
|
Total Investments in Securities
(Cost $49,565,019) |
|
|
|
|
|
|
|
|
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
3
Schwab Monthly Income Fund – Target Payout
Portfolio Holdings as of December 31, 2025 (continued)
| |
Distributions received include distributions from net investment income and capital gains, if any, from the underlying funds. Amounts shown are only presented for affiliated underlying funds, which are presented in the corresponding line-item in the Statement of Operations, if applicable (see financial note 2(c) for additional information). |
| |
The rate shown is the annualized 7-day yield. |
At December 31, 2025, all of the fund’s investment securities were classified as Level 1 (see financial note 2(a) for additional
information).
4
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Schwab Monthly Income Fund – Target Payout
Statement of Assets and Liabilities
| |
Investments in securities, at value - affiliated issuers (cost $42,348,878) |
|
|
Investments in securities, at value - unaffiliated issuers (cost $7,216,141) |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
Due from investment adviser |
|
|
| |
|
|
| |
|
|
| |
| |
| |
|
|
| |
|
|
| |
|
|
Independent trustees’ fees |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
| |
Capital received from investors |
|
|
Total distributable earnings |
|
|
| |
|
|
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
5
Schwab Monthly Income Fund – Target Payout
Statement of Operations
For the period January 1, 2025 through December 31, 2025 |
| |
Dividends received from securities - affiliated issuers |
|
|
Dividends received from securities - unaffiliated issuers |
|
|
| |
|
|
| |
| |
| |
|
|
| |
|
|
Portfolio accounting fees |
|
|
Independent trustees’ fees |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
REALIZED AND UNREALIZED GAINS (LOSSES) |
Net realized losses on sales of securities - affiliated issuers |
|
|
Net realized gains on sales of securities - unaffiliated issuers |
|
|
| |
|
|
Net change in unrealized appreciation (depreciation) on securities - affiliated issuers |
|
|
Net change in unrealized appreciation (depreciation) on securities - unaffiliated issuers |
|
|
Net change in unrealized appreciation (depreciation) |
|
|
Net realized and unrealized gains |
|
|
Increase in net assets resulting from operations |
|
|
6
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Schwab Monthly Income Fund – Target Payout
Statement of Changes in Net Assets
For the current and prior report periods
| |
| |
|
|
| |
|
|
|
| |
|
|
|
Net change in unrealized appreciation (depreciation) |
|
|
|
Increase in net assets resulting from operations |
|
|
|
| |
DISTRIBUTIONS TO SHAREHOLDERS |
From net investment income and net realized gain |
|
|
|
From tax return of capital |
|
|
|
| |
|
|
|
TRANSACTIONS IN FUND SHARES |
| |
|
|
| |
|
|
|
|
|
| |
|
|
|
|
|
| |
|
|
|
|
|
| |
|
|
|
|
|
Net transactions in fund shares |
|
|
|
|
|
| |
SHARES OUTSTANDING AND NET ASSETS |
| |
|
|
| |
|
|
|
|
|
| |
|
|
|
|
|
Total increase (decrease) |
|
|
|
|
|
| |
|
|
|
|
|
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
7
Schwab Monthly Income Fund – Flexible Payout
Financial Statements
| |
|
|
|
|
|
|
| |
Net asset value at beginning of period |
|
|
|
|
|
|
Income (loss) from investment operations: |
|
|
|
|
|
|
Net investment income (loss)1 |
|
|
|
|
|
|
Net realized and unrealized gains (losses) |
|
|
|
|
|
|
Total from investment operations |
|
|
|
|
|
|
| |
|
|
|
|
|
|
Distributions from net investment income |
|
|
|
|
|
|
Distributions from net realized gains |
|
|
|
|
|
|
| |
|
|
|
|
|
|
| |
|
|
|
|
|
|
Net asset value at end of period |
|
|
|
|
|
|
| |
|
|
|
|
|
|
| |
Ratios to average net assets: |
|
|
|
|
|
|
| |
|
|
|
|
|
|
| |
|
|
|
|
|
|
Net investment income (loss) |
|
|
|
|
|
|
| |
|
|
|
|
|
|
Net assets, end of period (x 1,000,000) |
|
|
|
|
|
|
| |
Calculated based on the average shares outstanding during the period. |
| |
Ratio excludes acquired fund fees and expenses, which are indirect expenses incurred by the fund through its investments in underlying funds. |
| |
Ratio includes less than 0.005% of non-routine proxy expenses. |
8
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Schwab Monthly Income Fund – Flexible Payout
Portfolio Holdings as of December 31, 2025
This section includes a summary of the fund’s transactions with its affiliated underlying funds during the period.
| |
|
|
|
NET REALIZED GAINS (LOSSES) |
NET CHANGE IN UNREALIZED APPRECIATION (DEPRECIATION) |
|
BALANCE OF SHARES HELD AT 12/31/25 |
|
AFFILIATED UNDERLYING FUNDS 86.3% OF NET ASSETS |
| |
| |
| |
Schwab U.S. Dividend Equity ETF |
|
|
|
|
|
|
|
|
| |
International Stocks 20.3% |
| |
Schwab International Dividend Equity ETF |
|
|
|
|
|
|
|
|
| |
| |
| |
Schwab Global Real Estate Fund |
|
|
|
|
|
|
|
|
| |
| |
| |
Schwab High Yield Bond ETF |
|
|
|
|
|
|
|
|
Intermediate-Term Bond 19.9% |
Schwab 5-10 Year Corporate Bond ETF |
|
|
|
|
|
|
|
|
Schwab U.S. Aggregate Bond Index Fund |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
Long-Term Government Bond 7.0% |
Schwab Long-Term U.S. Treasury ETF |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| |
| |
Schwab Government Money Fund, Ultra |
|
|
|
|
|
|
|
|
Total Affiliated Underlying Funds
(Cost $58,507,473) |
|
|
|
|
|
|
|
|
| |
UNAFFILIATED UNDERLYING FUNDS 13.7% OF NET ASSETS |
| |
| |
| |
T. Rowe Price Institutional Floating Rate Fund, Institutional Class |
|
|
|
|
|
|
|
|
| |
Cohen & Steers Preferred Securities and Income Fund, Class I |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| |
| |
State Street Institutional U.S. Government Money Market Fund, Premier Class, |
|
|
|
|
|
|
|
|
Total Unaffiliated Underlying Funds
(Cost $9,843,807) |
|
|
|
|
|
|
|
|
Total Investments in Securities
(Cost $68,351,280) |
|
|
|
|
|
|
|
|
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
9
Schwab Monthly Income Fund – Flexible Payout
Portfolio Holdings as of December 31, 2025 (continued)
| |
Distributions received include distributions from net investment income and capital gains, if any, from the underlying funds. Amounts shown are only presented for affiliated underlying funds, which are presented in the corresponding line-item in the Statement of Operations, if applicable (see financial note 2(c) for additional information). |
| |
The rate shown is the annualized 7-day yield. |
At December 31, 2025, all of the fund’s investment securities were classified as Level 1 (see financial note 2(a) for additional
information).
10
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Schwab Monthly Income Fund – Flexible Payout
Statement of Assets and Liabilities
| |
Investments in securities, at value - affiliated issuers (cost $58,507,473) |
|
|
Investments in securities, at value - unaffiliated issuers (cost $9,843,807) |
|
|
| |
|
|
| |
|
|
| |
|
|
Due from investment adviser |
|
|
| |
|
|
| |
|
|
| |
| |
| |
|
|
| |
|
|
| |
|
|
Independent trustees’ fees |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
| |
Capital received from investors |
|
|
Total distributable earnings |
|
|
| |
|
|
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
11
Schwab Monthly Income Fund – Flexible Payout
Statement of Operations
For the period January 1, 2025 through December 31, 2025 |
| |
Dividends received from securities - affiliated issuers |
|
|
Dividends received from securities - unaffiliated issuers |
|
|
| |
|
|
| |
| |
| |
|
|
| |
|
|
Portfolio accounting fees |
|
|
Independent trustees’ fees |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
REALIZED AND UNREALIZED GAINS (LOSSES) |
Net realized losses on sales of securities - affiliated issuers |
|
|
Net realized gains on sales of securities - unaffiliated issuers |
|
|
| |
|
|
Net change in unrealized appreciation (depreciation) on securities - affiliated issuers |
|
|
Net change in unrealized appreciation (depreciation) on securities - unaffiliated issuers |
|
|
Net change in unrealized appreciation (depreciation) |
|
|
Net realized and unrealized gains |
|
|
Increase in net assets resulting from operations |
|
|
12
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Schwab Monthly Income Fund – Flexible Payout
Statement of Changes in Net Assets
For the current and prior report periods
| |
| |
|
|
| |
|
|
|
Net realized gains (losses) |
|
|
|
Net change in unrealized appreciation (depreciation) |
|
|
|
Increase in net assets resulting from operations |
|
|
|
| |
DISTRIBUTIONS TO SHAREHOLDERS |
From net investment income and net realized gain |
|
|
|
From tax return of capital |
|
|
|
| |
|
|
|
TRANSACTIONS IN FUND SHARES |
| |
|
|
| |
|
|
|
|
|
| |
|
|
|
|
|
| |
|
|
|
|
|
| |
|
|
|
|
|
Net transactions in fund shares |
|
|
|
|
|
| |
SHARES OUTSTANDING AND NET ASSETS |
| |
|
|
| |
|
|
|
|
|
| |
|
|
|
|
|
Total increase (decrease) |
|
|
|
|
|
| |
|
|
|
|
|
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
13
Schwab Monthly Income Fund – Income Payout
Financial Statements
| |
|
|
|
|
|
|
| |
Net asset value at beginning of period |
|
|
|
|
|
|
Income (loss) from investment operations: |
|
|
|
|
|
|
Net investment income (loss)1 |
|
|
|
|
|
|
Net realized and unrealized gains (losses) |
|
|
|
|
|
|
Total from investment operations |
|
|
|
|
|
|
| |
|
|
|
|
|
|
Distributions from net investment income |
|
|
|
|
|
|
Distributions from net realized gains |
|
|
|
|
|
|
| |
|
|
|
|
|
|
Net asset value at end of period |
|
|
|
|
|
|
| |
|
|
|
|
|
|
| |
Ratios to average net assets: |
|
|
|
|
|
|
| |
|
|
|
|
|
|
| |
|
|
|
|
|
|
Net investment income (loss) |
|
|
|
|
|
|
| |
|
|
|
|
|
|
Net assets, end of period (x 1,000,000) |
|
|
|
|
|
|
| |
Calculated based on the average shares outstanding during the period. |
| |
Ratio excludes acquired fund fees and expenses, which are indirect expenses incurred by the fund through its investments in underlying funds. |
| |
Ratio includes less than 0.005% of non-routine proxy expenses. |
14
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Schwab Monthly Income Fund – Income Payout
Portfolio Holdings as of December 31, 2025
This section includes a summary of the fund’s transactions with its affiliated underlying funds during the period.
| |
|
|
|
NET REALIZED GAINS (LOSSES) |
NET CHANGE IN UNREALIZED APPRECIATION (DEPRECIATION) |
|
BALANCE OF SHARES HELD AT 12/31/25 |
|
AFFILIATED UNDERLYING FUNDS 87.1% OF NET ASSETS |
| |
| |
| |
Schwab U.S. Dividend Equity ETF |
|
|
|
|
|
|
|
|
| |
International Stocks 11.3% |
| |
Schwab International Dividend Equity ETF |
|
|
|
|
|
|
|
|
| |
| |
| |
Schwab Global Real Estate Fund |
|
|
|
|
|
|
|
|
| |
| |
| |
Schwab High Yield Bond ETF |
|
|
|
|
|
|
|
|
Intermediate-Term Bond 34.9% |
Schwab 5-10 Year Corporate Bond ETF |
|
|
|
|
|
|
|
|
Schwab U.S. Aggregate Bond Index Fund |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
Long-Term Government Bond 5.9% |
Schwab Long-Term U.S. Treasury ETF |
|
|
|
|
|
|
|
|
| |
Schwab 1-5 Year Corporate Bond ETF |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| |
| |
Schwab Government Money Fund, Ultra |
|
|
|
|
|
|
|
|
Total Affiliated Underlying Funds
(Cost $55,232,309) |
|
|
|
|
|
|
|
|
| |
UNAFFILIATED UNDERLYING FUNDS 12.7% OF NET ASSETS |
| |
| |
| |
T. Rowe Price Institutional Floating Rate Fund, Institutional Class |
|
|
|
|
|
|
|
|
| |
Cohen & Steers Preferred Securities and Income Fund, Class I |
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
| |
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
15
Schwab Monthly Income Fund – Income Payout
Portfolio Holdings as of December 31, 2025 (continued)
| |
|
|
|
NET REALIZED GAINS (LOSSES) |
NET CHANGE IN UNREALIZED APPRECIATION (DEPRECIATION) |
|
BALANCE OF SHARES HELD AT 12/31/25 |
DISTRIBUTIONS RECEIVED(a) |
| |
State Street Institutional U.S. Government Money Market Fund, Premier Class, |
|
|
|
|
|
|
|
|
Total Unaffiliated Underlying Funds
(Cost $8,111,809) |
|
|
|
|
|
|
|
|
Total Investments in Securities
(Cost $63,344,118) |
|
|
|
|
|
|
|
|
| |
Distributions received include distributions from net investment income and capital gains, if any, from the underlying funds. Amounts shown are only presented for affiliated underlying funds, which are presented in the corresponding line-item in the Statement of Operations, if applicable (see financial note 2(c) for additional information). |
| |
The rate shown is the annualized 7-day yield. |
At December 31, 2025, all of the fund’s investment securities were classified as Level 1 (see financial note 2(a) for additional
information).
16
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Schwab Monthly Income Fund – Income Payout
Statement of Assets and Liabilities
| |
Investments in securities, at value - affiliated issuers (cost $55,232,309) |
|
|
Investments in securities, at value - unaffiliated issuers (cost $8,111,809) |
|
|
| |
|
|
| |
|
|
| |
|
|
Due from investment adviser |
|
|
| |
|
|
| |
|
|
| |
| |
| |
|
|
| |
|
|
| |
|
|
Independent trustees’ fees |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
| |
Capital received from investors |
|
|
| |
|
|
| |
|
|
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
17
Schwab Monthly Income Fund – Income Payout
Statement of Operations
For the period January 1, 2025 through December 31, 2025 |
| |
Dividends received from securities - affiliated issuers |
|
|
Dividends received from securities - unaffiliated issuers |
|
|
| |
|
|
| |
| |
| |
|
|
| |
|
|
Portfolio accounting fees |
|
|
Independent trustees’ fees |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
REALIZED AND UNREALIZED GAINS (LOSSES) |
Net realized losses on sales of securities - affiliated issuers |
|
|
Net realized gains on sales of securities - unaffiliated issuers |
|
|
| |
|
|
Net change in unrealized appreciation (depreciation) on securities - affiliated issuers |
|
|
Net change in unrealized appreciation (depreciation) on securities - unaffiliated issuers |
|
|
Net change in unrealized appreciation (depreciation) |
|
|
Net realized and unrealized gains |
|
|
Increase in net assets resulting from operations |
|
|
18
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Schwab Monthly Income Fund – Income Payout
Statement of Changes in Net Assets
For the current and prior report periods
| |
| |
|
|
| |
|
|
|
| |
|
|
|
Net change in unrealized appreciation (depreciation) |
|
|
|
Increase in net assets resulting from operations |
|
|
|
| |
DISTRIBUTIONS TO SHAREHOLDERS |
| |
|
|
|
TRANSACTIONS IN FUND SHARES |
| |
|
|
| |
|
|
|
|
|
| |
|
|
|
|
|
| |
|
|
|
|
|
| |
|
|
|
|
|
Net transactions in fund shares |
|
|
|
|
|
| |
SHARES OUTSTANDING AND NET ASSETS |
| |
|
|
| |
|
|
|
|
|
| |
|
|
|
|
|
Total increase (decrease) |
|
|
|
|
|
| |
|
|
|
|
|
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
19
Schwab Monthly Income Funds
1. Business Structure of the Funds:
Each of the funds in this report is a series of Schwab Capital Trust (the trust), a no-load, open-end management investment company. The trust is organized as a Massachusetts business trust and is registered under the Investment Company Act of 1940, as amended (the 1940 Act). The list below shows all the operational funds in the trust as of the end of the period, including the funds discussed in this report, which are highlighted:
| |
Schwab Monthly Income Fund - Target Payout |
Schwab International Opportunities Fund |
Schwab Monthly Income Fund - Flexible Payout |
|
Schwab Monthly Income Fund - Income Payout |
|
| |
Schwab Dividend Equity Fund |
| |
Schwab Large-Cap Growth Fund |
| |
Schwab Small-Cap Equity Fund |
| |
|
| |
Schwab International Core Equity Fund |
| |
Schwab Fundamental U.S. Large Company Index Fund |
| |
Schwab Fundamental U.S. Small Company Index Fund |
| |
Schwab Fundamental International Equity Index Fund |
| |
Schwab Fundamental International Small Equity Index Fund |
| |
Schwab Fundamental Emerging Markets Equity Index Fund |
| |
Schwab Fundamental Global Real Estate Index Fund |
| |
Schwab Target 2010 Index Fund |
Schwab S&P 500 Index Fund |
Schwab Target 2015 Index Fund |
Schwab Small-Cap Index Fund |
Schwab Target 2020 Index Fund |
Schwab Total Stock Market Index Fund |
Schwab Target 2025 Index Fund |
Schwab U.S. Large-Cap Growth Index Fund |
Schwab Target 2030 Index Fund |
Schwab U.S. Large-Cap Value Index Fund |
Schwab Target 2035 Index Fund |
Schwab U.S. Mid-Cap Index Fund |
Schwab Target 2040 Index Fund |
Schwab International Index Fund |
Schwab Target 2045 Index Fund |
Schwab MarketTrack All Equity Portfolio™ |
Schwab Target 2050 Index Fund |
Schwab MarketTrack Growth Portfolio™ |
Schwab Target 2055 Index Fund |
Schwab MarketTrack Balanced Portfolio™ |
Schwab Target 2060 Index Fund |
Schwab MarketTrack Conservative Portfolio™ |
Schwab Target 2065 Index Fund |
Each fund is considered a “fund of funds” because it invests in other exchange traded-funds or mutual funds. Each of the funds seeks to achieve its investment objective by investing primarily in a combination of affiliated Schwab mutual funds and Schwab ETFs. Each fund may also invest in unaffiliated third-party exchange-traded funds and mutual funds (referred to herein as unaffiliated funds and, together with Schwab ETFs and Schwab mutual funds, as the "underlying funds"). Each fund invests in the underlying funds in accordance with its target portfolio allocation.
Each fund offers one share class. Shares are bought and sold at closing net asset value per share, which is the price for all outstanding shares of a fund. Each share has a par value of 1/1,000 of a cent, and the funds’ Board of Trustees may authorize the issuance of as many shares as necessary.
Each fund maintains its own account for purposes of holding assets and accounting, and is considered a separate entity for tax purposes. Within its account, each fund may also keep certain assets in segregated accounts, as required by securities law. The "Schwab Funds Complex" includes The Charles Schwab Family of Funds, Schwab Capital Trust, Schwab Investments, Schwab Annuity Portfolios, Schwab Strategic Trust and Laudus Trust.
2. Significant Accounting Policies: The following is a summary of the significant accounting policies the funds use in their preparation of financial statements. The funds follow the investment company accounting and reporting guidance of the Financial Accounting Standards Board (FASB) Accounting Standard Codification (ASC) Topic 946 Financial Services — Investment Companies. The accounting policies are in conformity with accounting principles generally accepted in the United States of America (GAAP).
20
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Schwab Monthly Income Funds
Financial Notes (continued)
2. Significant Accounting Policies (continued):
The financial statements of the funds should be read in conjunction with the underlying funds’ financial statements. For more information about the underlying funds’ operations and policies, please refer to those funds’ semiannual and annual reports and holdings and financial statements, which are filed in Form N-CSR with the U.S. Securities and Exchange Commission (SEC) and available on the SEC’s website at www.sec.gov.
Pursuant to Rule 2a-5 under the 1940 Act, the Board of Trustees has designated authority to a Valuation Designee, the funds’ investment adviser, to make fair valuation determinations under adopted procedures, subject to Board of Trustees oversight. The investment adviser has formed a Pricing Committee to administer the pricing and valuation of portfolio securities and other assets and liabilities as well as to ensure that prices used for internal purposes or provided by third parties reasonably reflect fair value. The Valuation Designee may utilize independent pricing services, quotations from securities and financial instrument dealers and other market sources to determine fair value.
Securities held in each fund’s portfolio are valued every business day. The following valuation policies and procedures are used by the Valuation Designee to value various types of securities:
● Securities traded on an exchange or over-the-counter: Traded securities are valued at the closing value for the day, or, on days when no closing value has been reported, at the mean of the most recent bid and ask quotes.
● Mutual funds: Mutual funds are valued at their respective net asset values.
● Securities for which no quoted value is available: The Valuation Designee has adopted procedures to fair value a fund’s securities when market prices are not “readily available” or are unreliable. For example, a security may be fair valued when it’s de-listed or its trading is halted or suspended; when a security’s primary pricing source is unable or unwilling to provide a price; or when a security’s primary trading market is closed during regular market hours. Fair value determinations are made in good faith in accordance with adopted valuation procedures. The Valuation Designee considers a number of factors, including unobservable market inputs, when arriving at fair value. The Valuation Designee may employ methods such as the review of related or comparable assets or liabilities, related market activities, recent transactions, market multiples, book values, transactional back-testing, disposition analysis and other relevant information. Due to the subjective and variable nature of fair value pricing, there can be no assurance that a fund could obtain the fair value assigned to the security upon the sale of such security.
In accordance with the authoritative guidance on fair value measurements and disclosures under GAAP, the funds disclose the fair value of their investments in a hierarchy that prioritizes the significant inputs to valuation methods used to measure the fair value. The hierarchy gives the highest priority to valuations based upon unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to valuations based upon unobservable inputs that are significant to the valuation (Level 3 measurements). If inputs used to measure the financial instruments fall within different levels of the hierarchy, the categorization is based on the lowest level input that is significant to the valuation. If it is determined that either the volume and/or level of activity for an asset or liability has significantly decreased (from normal conditions for that asset or liability) or price quotations or observable inputs are not associated with orderly transactions, increased analysis and the Valuation Designee’s judgment will be required to estimate fair value.
The three levels of the fair value hierarchy are as follows:
● Level 1 — quoted prices in active markets for identical investments — Investments whose values are based on quoted market prices in active markets. These generally include active listed equities, mutual funds, exchange-traded funds and futures contracts. Mutual funds and exchange-traded funds are classified as Level 1 prices, without consideration to the classification level of the underlying securities held which could be Level 1, Level 2, or Level 3 in the fair value hierarchy.
● Level 2 — other significant observable inputs (including quoted prices for similar securities, interest rates, prepayment speeds, credit risk, etc.) — Investments that trade in markets that are not considered to be active, but whose values are based on quoted market prices, dealer quotations or valuations provided by alternative pricing sources supported by observable inputs are classified as Level 2 prices. These generally include forward foreign currency exchange contracts, U.S. government and sovereign obligations, most government agency securities, investment-grade corporate bonds, certain mortgage products, less liquid listed equities, and state, municipal and provincial obligations.
● Level 3 — significant unobservable inputs (including the Valuation Designee’s assumptions in determining the fair value of investments) — Investments whose values are classified as Level 3 prices have significant unobservable inputs, as they may trade infrequently or not at all. When observable prices are not readily available for these securities, one or more valuation
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
21
Schwab Monthly Income Funds
Financial Notes (continued)
2. Significant Accounting Policies (continued):
methods are used for which sufficient and reliable data is available. The inputs used in estimating the value of Level 3 prices may include the original transaction price, quoted prices for similar securities or assets in active markets, completed or pending third-party transactions in the underlying investment or comparable issuers, and changes in financial ratios or cash flows. Level 3 prices may also be adjusted to reflect illiquidity and/or non-transferability, with the amount of such discount estimated in the absence of market information. Assumptions used due to the lack of observable inputs may significantly impact the resulting fair value and therefore a fund’s results of operations.
The inputs or methodology used for valuing securities are not necessarily an indication of the risk associated with investing in those securities.
The levels associated with valuing the funds’ investments as of December 31, 2025, are disclosed in each fund’s Portfolio Holdings.
(b) Security Transactions:
Security transactions are recorded as of the date the order to buy or sell the security is executed. Realized gains and losses from security transactions are based on the identified costs of the securities involved.
Interest income is recorded as it accrues. Dividends and distributions from portfolio securities and underlying funds are recorded on the date they are effective (the ex-dividend date). Any distributions from underlying funds are recorded in accordance with the character of the distributions as designated by the underlying funds.
Expenses that are specific to a fund are charged directly to the fund. Expenses that are common to more than one fund in the Schwab Funds Complex generally are allocated among those funds in proportion to their average daily net assets. Each fund bears its share of the acquired fund fees and expenses of the underlying funds, which are indirect expenses incurred by a fund through its investments in the underlying funds and are reflected in the net asset values of the underlying funds.
(e) Distributions to Shareholders:
The funds make distributions from net investment income, if any, monthly and from net realized capital gains, if any, once a year. To receive a distribution, you must be a registered shareholder on the record date. Distributions are paid to shareholders on the payable date.
The amount of the distributions made by the Schwab Monthly Income Fund -Target Payout and the Schwab Monthly Income Fund - Flexible Payout may exceed the amount of the fund’s net income and capital gains available for distribution. In that case, some or all of the distributions made by the Schwab Monthly Income Fund - Target Payout and the Schwab Monthly Income Fund - Flexible Payout may constitute a return of capital to shareholders. At the end of the year, the funds may be required under the applicable Internal Revenue Code to recharacterize distributions for the year among ordinary income, capital gains, and return of capital (if any) for purposes of tax reporting to shareholders. Although it cannot be guaranteed, the Schwab Monthly Income Fund - Income Payout does not expect to make distributions that will be treated as return of capital. Shareholders who receive periodic distributions consisting of a return of capital may be under the impression that they are receiving net income when they are not. A return of capital is a distribution from the shareholder’s investment principal, rather than net income from the fund’s returns. Shareholders should not assume that the source of a distribution from the fund is net income. For additional information see financial note 7, Federal Income Taxes.
(f) Accounting Estimates:
The accounting policies described in this report conform to GAAP. Notwithstanding this, shareholders should understand that in order to follow these principles, fund management has to make estimates and assumptions that affect the information reported in the financial statements. It’s possible that once the results are known, they may turn out to be different from these estimates and these differences may be material.
(g) Federal Income Taxes:
The funds intend to meet federal income and excise tax requirements for regulated investment companies under subchapter M of the Internal Revenue Code, as amended. Accordingly, the funds distribute substantially all of their net investment income and net realized capital gains, if any, to their shareholders each year. As long as a fund meets the tax requirements, it is not required to pay federal income tax.
22
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Schwab Monthly Income Funds
Financial Notes (continued)
2. Significant Accounting Policies (continued):
(h) Segment Reporting:
An operating segment is defined in ASC Topic 280 Segment Reporting as a component of a public entity that engages in business activities from which it may recognize revenues and incur expenses, has operating results that are regularly reviewed by the public entity’s chief operating decision maker (CODM) to make decisions about resources to be allocated to the segment and assess its performance, and has discrete financial information available.
The management committee of each fund’s investment adviser acts as the funds’ CODM. The CODM has determined that each fund operates as a single operating segment given each fund has a single defined investment strategy disclosed in its respective prospectus. The discrete financial information in the form of each fund’s portfolio composition, total returns, expense ratios and changes in net assets (i.e., changes in net assets resulting from operations, shares sold and shares redeemed), which is used by the CODM to assess performance against the prospectus and to make resource allocation decisions with respect to the funds, is presented within each fund’s financial statements.
Under the funds’ organizational documents, the officers and trustees are indemnified against certain liabilities arising out of the performance of their duties to the funds. In addition, in the normal course of business the funds enter into contracts with their vendors and others that provide general indemnifications. The funds’ maximum exposure under these arrangements is unknown as this would involve future claims that may be made against the funds. However, based on experience, the funds expect the risk of loss attributable to these arrangements to be remote.
3. Affiliates and Affiliated Transactions: Charles Schwab Investment Management, Inc., dba Schwab Asset Management, a wholly owned subsidiary of The Charles Schwab Corporation, serves as each fund’s investment adviser and administrator pursuant to the Amended and Restated Investment Advisory and Administration Agreement between the investment adviser and the trust.
The investment adviser does not receive a fee for the services it performs for the funds. However, the investment adviser is entitled to receive an annual fee from each of the affiliated funds that serve as underlying funds.
The investment adviser and its affiliates have agreed with the trust, for so long as the investment adviser serves as the investment adviser to the funds, in which the agreement may only be amended or terminated with approval of the Board of Trustees, to limit the total annual fund operating expenses charged, excluding interest, taxes and certain non-routine expenses to 0.00%.
The agreement to limit the funds’ total expenses charged is limited to each fund’s direct operating expenses and, therefore, does not apply to acquired fund fees and expenses, which are indirect expenses incurred by a fund through its investments in the underlying funds.
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
23
Schwab Monthly Income Funds
Financial Notes (continued)
3. Affiliates and Affiliated Transactions (continued):
Investments in Affiliates
The funds may engage in certain transactions involving affiliated parties. Pursuant to an exemptive order issued by the SEC, each fund may invest in affiliated funds. As of December 31, 2025, each fund’s ownership percentage of affiliated fund’s shares is as follows:
| |
SCHWAB MONTHLY INCOME FUND – TARGET PAYOUT |
SCHWAB MONTHLY INCOME FUND – FLEXIBLE PAYOUT |
SCHWAB MONTHLY INCOME FUND – INCOME PAYOUT |
Schwab 1-5 Year Corporate Bond ETF |
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Schwab 5-10 Year Corporate Bond ETF |
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Schwab Global Real Estate Fund |
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Schwab Government Money Fund, Ultra Shares |
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Schwab High Yield Bond ETF |
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Schwab International Dividend Equity ETF |
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Schwab Long-Term U.S. Treasury ETF |
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Schwab U.S. Aggregate Bond Index Fund |
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Schwab U.S. Dividend Equity ETF |
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The funds may engage in direct transactions with other funds in the Schwab Funds Complex in accordance with procedures adopted by the Board of Trustees pursuant to Rule 17a-7 under the 1940 Act. When one fund is seeking to sell a security that another fund is seeking to buy, an interfund transaction can allow both funds to benefit by reducing transaction costs while allowing each fund to execute the transaction at the current market price. This practice is limited to funds that share the same investment adviser. The net realized gains or losses on sales of interfund transactions, if any, are recorded in Net realized gains (losses) on sales of securities — affiliated issuers in the Statement of Operations. For the period ended December 31, 2025, each fund’s purchases and sales of securities with other funds in the Schwab Funds Complex as well as any net realized gains (losses) were as follows:
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|
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NET REALIZED GAINS (LOSSES) |
Schwab Monthly Income Fund – Target Payout |
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Schwab Monthly Income Fund – Flexible Payout |
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Schwab Monthly Income Fund – Income Payout |
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Interfund Borrowing and Lending
Pursuant to an exemptive order issued by the SEC, the funds may enter into interfund borrowing and lending transactions with other funds in the Schwab Funds Complex. All loans are for temporary or emergency purposes and the interest rate to be charged will be the average of the overnight repurchase agreement rate and the short-term bank loan rate. All loans are subject to numerous conditions designed to ensure fair and equitable treatment of all participating funds. The interfund lending facility is subject to the oversight and periodic review by the Board of Trustees. The funds had no interfund borrowing or lending activity during the period.
The Board of Trustees may include people who are officers and/or directors of the investment adviser or its affiliates. Federal securities law limits the percentage of such “interested persons” who may serve on a trust’s board, and the trust was in compliance with these limitations throughout the report period. The funds did not pay any of these interested persons for their services as trustees, but did pay non-interested persons (independent trustees), as noted in each fund’s Statement of Operations.
24
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Schwab Monthly Income Funds
Financial Notes (continued)
5. Borrowing from Banks:
During the period, the funds were participants with other funds in the Schwab Funds Complex in a joint, syndicated, committed $1.2 billion line of credit (the Syndicated Credit Facility), which matured on September 25, 2025. On September 25, 2025, the Syndicated Credit Facility was amended to run for a new 28 day period with the line of credit amount remaining unchanged, maturing on October 23, 2025. On October 23, 2025, the Syndicated Credit Facility was amended to run for a new 364 day period with the line of credit amount remaining unchanged, maturing on October 22, 2026. Under the terms of the Syndicated Credit Facility, in addition to the interest charged on any borrowings by a fund, each fund paid a commitment fee of 0.15% per annum on the funds’ proportionate share of the unused portion of the Syndicated Credit Facility.
During the period, the funds were participants with other funds in the Schwab Funds Complex in a joint, unsecured, uncommitted $400 million line of credit (the Uncommitted Credit Facility) with State Street Bank and Trust Company, which matured on September 25, 2025. On September 25, 2025, the Uncommitted Credit Facility was amended to run for a new 28 day period with the line of credit amount remaining unchanged, maturing on October 23, 2025. On October 23, 2025, the Uncommitted Credit Facility was amended to run for a new 364 day period with the line of credit amount remaining unchanged, maturing on October 22, 2026. Under the terms of the Uncommitted Credit Facility, each fund pays interest on the amount a fund borrows. There were no borrowings by any of the funds from either line of credit during the period.
The funds also have access to custodian overdraft facilities. A fund may have utilized the overdraft facility and incurred an interest expense, which is disclosed in each fund’s Statement of Operations, if any. The interest expense is determined based on a negotiated rate above the current Federal Funds Rate.
6. Purchases and Sales of Investment Securities: For the period ended December 31, 2025, purchases and sales of securities (excluding short-term obligations) were as follows:
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Schwab Monthly Income Fund – Target Payout |
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Schwab Monthly Income Fund – Flexible Payout |
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Schwab Monthly Income Fund – Income Payout |
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As of December 31, 2025, the tax basis cost of the funds’ investments and gross unrealized appreciation and depreciation were as follows:
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GROSS UNREALIZED
APPRECIATION |
GROSS UNREALIZED
DEPRECIATION |
NET UNREALIZED
APPRECIATION
(DEPRECIATION) |
Schwab Monthly Income Fund – Target Payout |
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Schwab Monthly Income Fund – Flexible Payout |
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Schwab Monthly Income Fund – Income Payout |
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The primary difference between book basis and tax basis unrealized appreciation or unrealized depreciation of investments is the tax deferral of losses on wash sales. The tax cost of the funds’ investments, disclosed above, have been adjusted from their book amounts to reflect these unrealized appreciation or depreciation differences, as applicable.
As of December 31, 2025, the components of distributable earnings on a tax basis were as follows:
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UNDISTRIBUTED
ORDINARY
INCOME |
NET UNREALIZED
APPRECIATION
(DEPRECIATION)
ON INVESTMENTS |
CAPITAL LOSS
CARRYFORWARDS
AND OTHER LOSSES |
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Schwab Monthly Income Fund – Target Payout |
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Schwab Monthly Income Fund – Flexible Payout |
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Schwab Monthly Income Fund – Income Payout |
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Schwab Monthly Income Funds | Annual Holdings and Financial Statements
25
Schwab Monthly Income Funds
Financial Notes (continued)
7. Federal Income Taxes (continued):
Capital loss carryforwards have no expiration and may be used to offset future realized capital gains for federal income tax purposes. As of December 31, 2025, the funds had capital loss carryforwards available as follows:
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Schwab Monthly Income Fund – Target Payout |
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Schwab Monthly Income Fund – Flexible Payout |
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Schwab Monthly Income Fund – Income Payout |
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For the fiscal year ended December 31, 2025, the funds had capital loss carryforwards utilized as follows:
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Schwab Monthly Income Fund – Target Payout |
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Schwab Monthly Income Fund – Flexible Payout |
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Schwab Monthly Income Fund – Income Payout |
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The tax basis components of distributions paid during the current and prior fiscal years were as follows:
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CURRENT FISCAL YEAR END DISTRIBUTIONS |
PRIOR FISCAL YEAR END DISTRIBUTIONS |
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Schwab Monthly Income Fund – Target Payout |
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Schwab Monthly Income Fund – Flexible Payout |
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Schwab Monthly Income Fund – Income Payout |
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Distributions paid to shareholders are based on net investment income and net realized gains determined on a tax basis, which may differ from net investment income and net realized gains for financial reporting purposes. These differences reflect the differing character of certain income items and net realized gains and losses for financial statement and tax purposes, and may result in reclassification among certain capital accounts in the financial statements. The funds may also designate a portion of the amount paid to redeeming shareholders as a distribution for tax purposes.
Permanent book and tax basis differences may result in reclassifications between components of net assets as required. The adjustments will have no impact on net assets or the results of operations.
As of December 31, 2025, management has reviewed the tax positions for open periods (for federal purposes, three years from the date of filing and for state purposes, four years from the date of filing) as applicable to the funds, and has determined that no provision for income tax is required in the funds’ financial statements. During the fiscal year ended December 31, 2025, the funds did not incur any interest or penalties.
Management has determined there are no subsequent events or transactions through the date the financial statements were issued that would have materially impacted the financial statements as presented.
26
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Schwab Monthly Income Funds
Report of Independent Registered Public Accounting Firm
To the Board of Trustees of Schwab Capital Trust and Shareholders of Schwab Monthly Income Fund – Target Payout, Schwab Monthly Income Fund – Flexible Payout, and Schwab Monthly Income Fund – Income Payout:
Opinion on the Financial Statements and Financial Highlights
We have audited the accompanying statements of assets and liabilities, including the portfolio holdings, of Schwab Monthly Income Fund – Target Payout, Schwab Monthly Income Fund – Flexible Payout, and Schwab Monthly Income Fund – Income Payout (the “Funds”), three of the funds constituting Schwab Capital Trust, as of December 31, 2025, the related statements of operations for the year then ended, the statements of changes in net assets for each of the two years in the period then ended, the financial highlights for each of the five years in the period then ended, and the related notes (collectively referred to as the “financial statements and financial highlights”). In our opinion, the financial statements and financial highlights present fairly, in all material respects, the financial position of each of the Funds as of December 31, 2025, and the results of their operations for the year then ended, the changes in their net assets for each of the two years in the period then ended, and the financial highlights for each of the five years in the period then ended in conformity with accounting principles generally accepted in the United States of America.
These financial statements and financial highlights are the responsibility of the Funds’ management. Our responsibility is to express an opinion on the Funds’ financial statements and financial highlights based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Funds in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.
We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements and financial highlights are free of material misstatement, whether due to error or fraud. The Funds are not required to have, nor were we engaged to perform, an audit of their internal control over financial reporting. As part of our audits we are required to obtain an understanding of internal control over financial reporting but not for the purpose of expressing an opinion on the effectiveness of the Funds’ internal control over financial reporting. Accordingly, we express no such opinion.
Our audits included performing procedures to assess the risks of material misstatement of the financial statements and financial highlights, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements and financial highlights. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements and financial highlights. Our procedures included confirmation of securities owned as of December 31, 2025, by correspondence with the custodian, transfer agent, and brokers; when replies were not received from brokers, we performed other auditing procedures. We believe that our audits provide a reasonable basis for our opinion.
Deloitte & Touche LLP
Denver, Colorado
February 13, 2026
We have served as the auditor of one or more investment companies in the Schwab Funds Complex since 2020.
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
27
Changes in and Disagreements with Accountants for Open-End Management Investment Companies
28
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Proxy Disclosures for Open-End Management Investment Companies
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
29
Remuneration Paid to Directors, Officers, and Others of Open-End Management Investment Companies
The remuneration paid to directors, officers and others are included under Item 7 (Financial Statements and Financial Highlights for Open-End Management Investment Companies).
30
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
Statement Regarding Basis for Approval of Investment Advisory Contract
Schwab Monthly Income Funds | Annual Holdings and Financial Statements
31
Item 8: Changes in and Disagreements with Accountants for Open-End Management Investment Companies.
The changes in and disagreements with accountants for open-end management investment companies are included under Item 7 of this Form.
Item 9: Proxy Disclosures for Open-End Management Investment Companies.
The proxy disclosures for open-end management investment companies are included under Item 7 of this Form.
Item 10: Remuneration Paid to Directors, Officers, and Others of Open-End Management Investment Companies.
The remuneration paid to directors, officers and others are included under Item 7 of this Form.
Item 11: Statement Regarding Basis for Approval of Investment Advisory Contract.
The statement regarding basis for approval of investment advisory contract is included under Item 7 of this Form.
Item 12: Disclosure of Proxy Voting Policies and Procedures for Closed-End Management Investment Companies.
Not applicable.
Item 13: Portfolio Managers of Closed-End Management Investment Companies.
Not applicable.
Item 14: Purchases of Equity Securities by Closed-End Management Investment Company and Affiliated Purchasers.
Not applicable.
Item 15: Submission of Matters to a Vote of Security Holders.
Not applicable.
Item 16: Controls and Procedures.
| (a) |
Based on their evaluation of Registrant’s disclosure controls and procedures, as of a date within 90 days of the filing date, Registrant’s Principal Executive Officer, Omar Aguilar and Registrant’s Principal Financial Officer, Dana Smith, have concluded that Registrant’s disclosure controls and procedures are: (i) reasonably designed to ensure that information required to be disclosed in this report is appropriately communicated to Registrant’s officers to allow timely decisions regarding disclosures required in this report; (ii) reasonably designed to ensure that information required to be disclosed in this report is recorded, processed, summarized and reported in a timely manner; and (iii) are effective in achieving the goals described in (i) and (ii) above. |
| (b) |
During the period covered by this report, there have been no changes in Registrant’s internal control over financial reporting that the above officers believe to have materially affected, or to be reasonably likely to materially affect, Registrant’s internal control over financial reporting. |
Item 17: Disclosure of Securities Lending Activities for Closed-End Management Investment Companies.
Not applicable.
Item 18: Recovery of Erroneously Awarded Compensation.
(a) Not applicable.
(b) Not applicable
Item 19: Exhibits.
Pursuant to the requirements of the Securities Exchange Act of 1934 and the Investment Company Act of 1940, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
(Registrant) Schwab Capital Trust – Monthly Income Funds
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| By: |
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/s/ Omar Aguilar |
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Omar Aguilar Principal Executive Officer (Chief Executive Officer) |
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| Date: |
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February 13, 2026 |
Pursuant to the requirements of the Securities Exchange Act of 1934 and the Investment Company Act of 1940, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.
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| By: |
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/s/ Omar Aguilar |
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Omar Aguilar Principal Executive Officer (Chief Executive Officer) |
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| Date: |
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February 13, 2026 |
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| By: |
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/s/ Dana Smith |
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Dana Smith Principal Financial Officer (Chief Financial Officer) |
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| Date: |
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February 13, 2026 |
Code of Business Conduct and Ethics for Principal Executive and Senior Financial Officers (F/B)
Schwab Funds:
The Charles Schwab Family of Funds
Laudus Trust
Schwab Investments
Schwab Capital Trust
Schwab Annuity Portfolios
Schwab ETFs:
Schwab Strategic Trust
(the
“Funds” or the “Trusts”)
Code of Business Conduct and Ethics for Principal Executive and Senior Financial Officers (F/B)
Category: Code of Ethics and Personal Obligations
|
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| Policy Type |
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Fund / Board |
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| Regulatory Authority, Rule(s) and Regulation(s) |
|
This Code constitutes the sole code of ethics adopted by the Funds for purposes of Section 406 of the Sarbanes-Oxley Act of 2002 and the rules
and forms applicable to registered investment companies thereunder. Insofar as other policies or procedures of the Funds, CSIM, CSIM’s affiliates, The Charles Schwab Corporation or other Fund service providers govern or purport to govern the
behavior or activities of an Officer who is subject to this Code, they are superseded by this Code to the extent that they conflict with the provisions of this Code. CSIM’s, the Funds’ and Charles Schwab & Co. Inc.’s (as
distributor) joint code of ethics under Rule 17j-1 pursuant to the 1940 Act and Rule 204A-1 of the Advisers Act, and CSIM’s, CSIM’s affiliates’, and
The Charles Schwab Corporation’s policies and procedures set forth in their respective compliance manuals and elsewhere are separate requirements applying to the Officers and are not part of this Code. |
|
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| Associated Policies and Standards |
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CSIM/Fund Policy and Procedures
Charles Schwab Corporation (CSC) Policies and Standards
|
|
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| Approval Date |
|
December 9, 2025 |
Note: CSIM and Fund Policies and Procedures may have additional or more restrictive requirements than those contained in CSC
Policies and Standards.
The information contained herein is the
property of The Charles Schwab Corporation (CSC) and is not for distribution outside of CSC without prior permission of the Chief Compliance Officer of the Funds or CSIM, as applicable, or their designee.
1
Code of Business Conduct and Ethics for Principal Executive and Senior Financial Officers (F/B)
A. Overview: Policy Purpose and Objectives
I. SCOPE
This Code of Business Conduct and
Ethics (the “Code”) for the Schwab Funds and Schwab ETFs (the “Funds”) covers the Principal Executive Officer and Principal Financial Officer and any other officers who serve a similar function (each an “Officer”)
of all of the investment companies within the Funds’ complex and applies to their service to the Funds.
II. INTRODUCTION
The Funds are committed to the highest standards of ethical conduct. The Code consists of an outline of policies regarding conduct pertaining to legal
compliance, personal conflicts of interest, confidentiality and privacy, and certain business practices. You are responsible for reviewing the Code and for acting in compliance with the Code in your daily activities.
The Code is not exhaustive; it provides guidance for carrying out your responsibilities on behalf of the Funds and observing the highest standards of ethical
conduct. Because the Code does not address every possible situation that may arise, you are responsible for exercising good judgment, applying ethical principles, and raising questions when in doubt. Your integrity and good judgment reflect on the
Funds’ brand and reputation, and are the foundation of trust for our shareholder and business relationships.
If you are unsure of what to do in any
situation or how to interpret the provisions of the Code, seek guidance before you act. Use the Funds’ resources, including the Chief Legal Officer or the Chief Compliance Officer. If you feel that it is not appropriate to discuss a matter
with the Chief Legal Officer or the Chief Compliance Officer, you may contact the Ombudsperson for The Charles Schwab Corporation.
CONTACT INFORMATION
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| Title |
|
Name |
|
Phone Number |
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| Chief Compliance Officer |
|
Mark Hunter |
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512-682-7627 |
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| Chief Legal Officer of Schwab Funds and Schwab
ETFs |
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Catherine MacGregor |
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415-667-0650 |
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| The Charles Schwab Corporation
Ombudsperson |
|
Amy Pimentel, Esq, McDermott Will & Schulte LLP |
|
617-535-3948 |
B. Procedures and Responsibilities
I. POLICIES
In executing your
responsibilities on behalf of the Funds, your conduct should reflect positively on the Funds. A strong personal sense of ethics should always play a significant role in guiding you towards a proper course of action. The appearance of impropriety can
be as harmful to the Funds’ reputation as improper conduct.
The information contained herein is the
property of The Charles Schwab Corporation (CSC) and is not for distribution outside of CSC without prior permission of the Chief Compliance Officer of the Funds or CSIM, as applicable, or their designee.
2
Code of Business Conduct and Ethics for Principal Executive and Senior Financial Officers (F/B)
The Funds’ business is subject to various laws, rules and regulations, including
federal securities and state and local laws. Although you are not expected to know the details of the myriad of laws governing our business, you are expected to be familiar with and comply with policies and procedures that apply to your business
unit and complete any required training that applies to you (e.g., training regarding privacy or anti-money laundering).
A. PERSONAL
CONFLICTS OF INTEREST
It is important that you do not place yourself in a position that would cloud your
judgment in carrying out the business affairs of the Funds. A “personal conflict of interest” occurs when your private interest interferes in any way — or even appears to interfere — with the interests of the Funds. You have
a duty to report any material transaction or relationship to the Chief Compliance Officer that reasonably could be expected to be or to create a conflict of interest with the Funds.
Officers, in addition to their obligation to the Funds, may also be an officer or employee of CSIM or a CSIM affiliate. As a result, this Code recognizes that
the Officers will, in the normal course of their duties (whether formally for the Funds, for CSIM, for CSIM’s affiliate or for more than one entity), be involved in establishing policies and implementing decisions that will have different
effects on CSIM, CSIM’s affiliates and the Funds. The participation of the Officers in such activities is inherent in the contractual relationship between the Funds and CSIM and is consistent with the performance by the Officers of their
duties as officers of the Funds. Thus, if performed in conformity with the provisions of the Investment Company Act of 1940, as amended (the “1940 Act”), and the Investment Advisers Act of 1940, as amended (the “Advisers
Act”), such activities will be deemed under the Code to have been handled ethically. In addition, it is recognized by the Trustees that the Officers may also be officers or employees of one or more other investment companies covered by this or
other codes.
B. INSIDE INFORMATION
Do not trade on inside information or disclose inside information to anyone except those who have a need to know it in order to fulfill their responsibilities
for the Funds and in accordance with the Funds’ policy. This applies to information regarding the Funds, The Charles Schwab Corporation and its subsidiaries, and any other publicly traded company.
Generally, material information is any information that an investor would likely consider important in deciding whether to buy, sell or hold securities or
that could affect the market price of the securities. Examples include actual or estimated financial results or change in dividends; significant discoveries or product developments; possible mergers, acquisitions or divestitures; major changes in
business strategies; obtaining or losing significant contracts; and threatened major litigation or related developments. If you have or receive information and are unsure whether it is within the definition of inside information or whether its
release might be contrary to a fiduciary or other obligation, contact the Chief Compliance Officer prior to disclosing any such information.
You must not
use the Funds’ non-public holdings or transactions information in any way to influence your trades or the trades of other shareholders, including those of other employees, officers and directors. Trading
ahead of shareholder or the Funds’ transactions (frontrunning) and following shareholder or the Funds’ transactions (piggybacking or shadowing) is prohibited.
The information contained herein is the
property of The Charles Schwab Corporation (CSC) and is not for distribution outside of CSC without prior permission of the Chief Compliance Officer of the Funds or CSIM, as applicable, or their designee.
3
Code of Business Conduct and Ethics for Principal Executive and Senior Financial Officers (F/B)
C. ACCEPTANCE OF GIFTS OR
ENTERTAINMENT
You must not accept gifts or entertainment from shareholders, vendors, suppliers, competitors or other employees where they
present a conflict of interest or create the appearance of impropriety. You must adhere to the CSIM and The Charles Schwab Corporation policies regarding gifts and entertainment, and apply the more stringent restrictions. In addition, if you are an
employee of another CSIM affiliate you must also adhere to that affiliate’s policies regarding gifts and entertainment, and apply the more stringent restrictions.
D. CONFIDENTIALITY OF INFORMATION AND PRIVACY
Information concerning the identity of the Funds’ underlying shareholders and their transactions and accounts is confidential. Such information may not
be disclosed to persons working on behalf of the Funds except as they may need to know it in order to fulfill their responsibilities to the Funds. You may not disclose such information to anyone or any firm outside the Funds unless (i) the
outside firm needs to know the information in order to perform services for the Funds and is bound to maintain its confidentiality; (ii) when the shareholder has consented or been given an opportunity to request that the information not be
shared; (iii) as required by law; or (iv) as authorized by the Chief Legal Officer or Chief Compliance Officer.
The Funds are committed to
safeguarding their customers’ privacy. We do not sell any personally identifiable customer information. Sharing of such information with third parties is limited to situations related to the processing and servicing of customer accounts, and
to specifically delineated exceptions in the federal privacy law. We share information with our affiliates to the extent permitted by federal law. You must be familiar with the procedural and systemic safeguards we maintain to protect this
information.
You have the responsibility to safeguard the Funds’ proprietary information. Proprietary information includes intellectual property
(copyrights, trademarks or patents or trade secrets), particular know-how (business or organizational designs, or business, marketing or service plans or ideas) and sensitive information about the Funds
(databases, records, salary information or unpublished financial reports).
E. PROTECTION AND USE
OF FUNDS’ ASSETS
You are obligated to protect the Funds’ assets and ensure their efficient use.
Theft, carelessness and waste have a direct impact on the Funds. The Funds’ equipment should not be used for non-Funds’ business, though incidental personal use may be permitted.
F. FINANCIAL DISCLOSURES
The
Funds are committed to providing full, fair, accurate, timely and understandable disclosure in reports and documents that the Funds file with, or submit to, the Securities and Exchange Commission and other regulatory agencies and in other public
communications made by the Funds. You are required to comply with the Funds’ policies and procedures to provide such full, fair, accurate, timely and understandable disclosure.
G. CONDUCT OF AUDITS
Neither you nor any other person acting under your direction shall directly or indirectly take any action to fraudulently influence, coerce, manipulate, or
mislead any independent public or certified public accountant engaged in the performance of an audit or review of the Funds’ financial statements.
The information contained herein is the
property of The Charles Schwab Corporation (CSC) and is not for distribution outside of CSC without prior permission of the Chief Compliance Officer of the Funds or CSIM, as applicable, or their designee.
4
Code of Business Conduct and Ethics for Principal Executive and Senior Financial Officers (F/B)
Types of conduct that constitute improper influence include, but are not limited to,
directly or indirectly:
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• |
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Offering or paying bribes or other financial incentives, including offering future employment or contracts for non-audit services |
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• |
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Providing an auditor with inaccurate or misleading legal analysis |
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• |
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Threatening to cancel or canceling existing non-audit or audit
engagements if the auditor objects to the issuer’s accounting |
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• |
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Seeking to have a partner removed from the audit engagement because the partner objects to the Funds’
accounting |
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• |
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Making physical threats |
H. SALES PRACTICES
If you
transact business for shareholders, you are required to know and observe the Funds’ specific policies and procedures for shareholder sales and transactions, such as the content and use of sales materials, documentation for transactions,
quotations and suitability. Likewise, if you transact business with third parties (such as vendors or suppliers), you will be required to know and observe the Funds’ policies and procedures for such transactions, such as marketing policies,
procedures for performing due diligence on third parties, and obtaining proper authorizations for any agreements. You must be familiar with any enumerated policies and procedures governing your sales activities and use good judgment in complying
with them.
I. COMPETITION AND FAIR DEALING
We operate our business fairly and honestly. We seek competitive advantage through performance and never through unethical or illegal business practices. It is
our policy to comply with anti-trust laws. These laws are complex and not easily summarized, but at a minimum require that there be no agreement or understanding between the Funds and their competitors that affect prices, terms or conditions of sale
or that unreasonably restrain full and fair competition. You must always respect the rights of and deal fairly with the Funds’ shareholders and competitors. You must never take unfair advantage of anyone through manipulation, concealment,
abuse of privileged information, misrepresentation of material facts, or any other unfair dealing practice.
J. PROHIBITION
OF BRIBERY AND KICKBACKS
Our policies prohibit bribery or kickbacks of any kind and to anyone
in the conduct of our business. The U.S. government has a number of laws and regulations applicable specifically to business gratuities that may be offered to or accepted by U.S. and foreign government personnel. The promise, offer or delivery to an
official or employee of the U.S. government or an official, employee or candidate of a foreign government of a gift, favor, payment or other gratuity in violation of these rules would not only violate the Funds’ policy but could also be a
criminal offense. Similarly, federal law, as well as the laws of many states, prohibits engaging in “commercial bribery.” Commercial bribery involves soliciting, demanding or agreeing to accept anything of value from any person intending
to influence or be rewarded in connection with any business or transaction, and prohibits all such behavior, for example, with respect to vendors, competitors, shareholders, and government employees.
K. WAIVERS
Waivers of the Code may be made only
by the Trustees and will be promptly disclosed publicly as required by law.
The information contained herein is the
property of The Charles Schwab Corporation (CSC) and is not for distribution outside of CSC without prior permission of the Chief Compliance Officer of the Funds or CSIM, as applicable, or their designee.
5
Code of Business Conduct and Ethics for Principal Executive and Senior Financial Officers (F/B)
L. CODE AMENDMENTS
This Code may not be amended except in written form, which is specifically approved or ratified by a majority of the Trustees including a majority of the
independent Trustees. Any amendments will, to the extent required, be disclosed in accordance with law.
M. CONFIDENTIALITY
All reports and records prepared or maintained pursuant to this Code will be considered confidential and shall be maintained and protected accordingly. Except
as otherwise required by law or this Code, such matters shall not be disclosed to anyone other than the Trustees, CSIM, The Charles Schwab Corporation and their respective counsel. However, nothing contained in this Code or in any applicable
employment or severance agreement(s) should be interpreted as prohibiting employees or former employees from voluntarily communicating with the Securities and Exchange Commission or other authorities regarding possible violations of law or from
recovering a whistleblower award.
II. ESCALATION AND PROHIBITION AGAINST
RETALIATION
If you know of, or reasonably believe there is, a violation of this Code, you must report that information immediately to
the Funds’ Chief Compliance Officer. Depending on the possible violation, you may also be required to report it pursuant to The Charles Schwab Corporation Code of Business Conduct and CSIM and/or CSIM’s affiliate’s compliance
policies and procedures. You should not conduct preliminary investigations unless authorized to do so by the Compliance Department.
No Officer will be
retaliated against for making a good faith complaint or for bringing inappropriate conduct to the attention of the Funds’ personnel, Ombudsperson of The Charles Schwab Corporation or Trustees, for assisting another employee or applicant in
making a good faith report, for cooperating in an investigation, or for filing an administrative claim with a state or federal governmental agency. Any Officer who in good faith raises an issue regarding a possible violation of law, regulation or
company policy or any suspected illegal or unethical behavior will be protected from retaliation.
If you have violated the Code, however, making a report
will not protect you from the consequences of your actions. You can be subject to discipline up to and including termination of employment if you violate the Code or fail to report violations that come to your attention.
Any employee who engages in retaliatory conduct in violation of our policies will be subject to disciplinary action, up to and including termination of
employment. If you reasonably believe retaliatory conduct has occurred, you must report such conduct to the Funds’ Chief Compliance Officer.
III. PROCEDURES
A.
OFFICERS
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Read and be familiar with conduct rules outlined in the Code, and periodically review them.
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Affirm in writing to the Trustees that you have received, read and understand the Code. |
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• |
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Annually affirm to the Trustees that you have complied with the requirements of the Code. |
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• |
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Comply with the conduct standards outlined in this Code in all dealings and actions, including those with
shareholders, the public, and vendors. |
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• |
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Report any material transaction or relationship to the Chief Compliance Officer that reasonably could be expected
to be or to create a personal conflict of interest with the Funds. |
The information contained herein is the
property of The Charles Schwab Corporation (CSC) and is not for distribution outside of CSC without prior permission of the Chief Compliance Officer of the Funds or CSIM, as applicable, or their designee.
6
Code of Business Conduct and Ethics for Principal Executive and Senior Financial Officers (F/B)
| |
• |
|
Report in a timely manner to the Chief Compliance Officer any conduct that may constitute a violation of the
Code, the Funds’ policies, or laws, rules and regulations. |
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• |
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Raise questions or concerns about conduct issues with your supervisor, the Chief Legal Officer or Chief
Compliance Officer, and seek advice when in doubt. |
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• |
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Cooperate with management during fact-finding investigations and comply with any confidentiality rules imposed.
|
B. CHIEF COMPLIANCE OFFICER
| |
• |
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The Chief Compliance Officer, upon becoming notified of potential violation of this Code, will conduct,
facilitate or delegate a review of the matter and will report to the Chairperson of the affected Fund’s Audit, Compliance and Valuation Committee any violations of this Code that he or she believes to be material. |
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• |
|
The Chief Compliance Officer, upon becoming notified of a personal conflict of interest between an Officer and
the Funds that the Chief Compliance Officer deems to be material, will report the issue to the Chairperson of the affected Fund’s Audit, Compliance and Valuation Committee and will work with the Chief Legal Officer and other appropriate
parties to ensure that any required disclosures are made. |
C. TRUSTEES
| |
• |
|
The Board of Trustees will consider appropriate action to address any violations of the Code that they deem to be
material, which may include review of and appropriate modification to applicable policies and procedures, notification to appropriate personnel of CSIM or its board of directors, notification to appropriate personnel of The Charles Schwab
Corporation or its board of directors, or a recommendation to dismiss the Officer. |
C. Recordkeeping Requirements
You must be familiar with the Funds’ record retention policies and always retain or destroy records according to them. In the event of litigation,
governmental investigation or the threat of such action, you should consult the Chief Legal Officer or the Chief Compliance Officer regarding record retention.
The Funds’ books, records and accounts must conform both to applicable legal requirements and to the Funds’ internal controls and policies.
Unrecorded or “off-the-books” funds or assets are prohibited
unless permitted by applicable law or regulation. Business records must not contain exaggeration, derogatory remarks, guesswork, or inappropriate characterizations of people and companies. This applies equally to email, internal memoranda, formal
reports, and all other forms of business records.
|
|
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| Version History |
|
Adopted Schwab Funds: June 15, 2011; Schwab ETFs: August 4, 2011. Revised August 8, 2013; December 11, 2015; August 25, 2016; December 11, 2017; September 25, 2018 (no changes); December 12,
2019; November 3, 2020; October 7, 2021; December 13, 2022; December 11, 2023; December 19, 2024; December 9, 2025 |
The information contained herein is the
property of The Charles Schwab Corporation (CSC) and is not for distribution outside of CSC without prior permission of the Chief Compliance Officer of the Funds or CSIM, as applicable, or their designee.
7
CERTIFICATIONS
I, Omar Aguilar, certify that:
1. I have reviewed this report
on Form N-CSR for the following series of Schwab Capital Trust – Schwab Monthly Income Funds;
2. Based on
my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with
respect to the period covered by this report;
3. Based on my knowledge, the financial statements, and other financial information included in this
report, fairly present in all material respects the financial condition, results of operations, changes in net assets, and cash flows (if the financial statements are required to include a statement of cash flows) of the registrant as of, and for,
the periods presented in this report;
4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining
disclosure controls and procedures (as defined in Rule 30a-3(c) under the Investment Company Act of 1940) and internal control over financial reporting (as defined in Rule
30a-3(d) under the Investment Company Act of 1940) for the registrant and have:
a) Designed such disclosure
controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others
within those entities, particularly during the period in which this report is being prepared;
b) Designed such internal control over financial reporting,
or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in
accordance with generally accepted accounting principles;
c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and
presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of a date within 90 days prior to the filing date of this report based on such evaluation; and
d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the period covered by this
report that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and
5. The registrant’s other certifying officer(s) and I have disclosed to the registrant’s auditors and the audit committee of the
registrant’s Board of Trustees (or persons performing the equivalent functions):
a) All significant deficiencies and material weaknesses in the
design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize, and report financial information; and
b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over
financial reporting.
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| Date: February 13, 2026 |
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/s/ Omar Aguilar |
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Omar Aguilar
Principal Executive Officer (Chief Executive Officer) |
CERTIFICATIONS
I, Dana Smith, certify that:
1. I have reviewed this report on
Form N-CSR for the following series of Schwab Capital Trust – Schwab Monthly Income Funds;
2. Based on my
knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect
to the period covered by this report;
3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly
present in all material respects the financial condition, results of operations, changes in net assets, and cash flows (if the financial statements are required to include a statement of cash flows) of the registrant as of, and for, the periods
presented in this report;
4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure
controls and procedures (as defined in Rule 30a-3(c) under the Investment Company Act of 1940) and internal control over financial reporting (as defined in Rule 30a-3(d)
under the Investment Company Act of 1940) for the registrant and have:
a) Designed such disclosure controls and procedures, or caused such disclosure
controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the
period in which this report is being prepared;
b) Designed such internal control over financial reporting, or caused such internal control over financial
reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting
principles;
c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions
about the effectiveness of the disclosure controls and procedures, as of a date within 90 days prior to the filing date of this report based on such evaluation; and
d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the period covered by this
report that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and
5. The registrant’s other certifying officer(s) and I have disclosed to the registrant’s auditors and the audit committee of the
registrant’s Board of Trustees (or persons performing the equivalent functions):
a) All significant deficiencies and material weaknesses in the
design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize, and report financial information; and
b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over
financial reporting.
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| Date: February 13, 2026 |
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/s/ Dana Smith |
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Dana Smith
Principal Financial Officer (Chief Financial Officer) |
CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO SECTION 906 OF THE
SARBANES-OXLEY ACT OF 2002
In connection
with the Annual Report for Schwab Capital Trust – Schwab Monthly Income Funds (the “Funds”) on Form N-CSR for the period ended December 31, 2025 (“periodic report”), each of
the undersigned, being the Principal Executive Officer and Principal Financial Officer, respectively, hereby certifies, pursuant to 18 U.S.C. section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002, that to the best
of my knowledge:
(1) The periodic report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and
(2) The information contained in the periodic report fairly presents, in all material respects, the financial condition and results of operations of the Funds
for the period presented therein.
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| /s/ Omar Aguilar |
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Date: February 13, 2026 |
| Omar Aguilar |
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| Principal Executive Officer (Chief Executive Officer) |
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| /s/ Dana Smith |
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Date: February 13, 2026 |
| Dana Smith |
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| Principal Financial Officer (Chief Financial Officer) |
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This certification is being furnished to the Securities and Exchange Commission solely pursuant to 18 U.S.C. section 1350 and
is not being filed as part of the Form N-CSR with the Commission.
v3.25.4
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v3.25.4
Shareholder Report
|
12 Months Ended |
|
Dec. 31, 2025
USD ($)
Holding
|
|---|
| Shareholder Report [Line Items] |
|
|
| Document Type |
N-CSR
|
|
| Amendment Flag |
false
|
|
| Registrant Name |
Schwab Capital Trust
|
|
| Entity Central Index Key |
0000904333
|
|
| Entity Investment Company Type |
N-1A
|
|
| Document Period End Date |
Dec. 31, 2025
|
|
| Schwab Monthly Income Fund - Target Payout |
|
|
| Shareholder Report [Line Items] |
|
|
| Fund Name |
Schwab Monthly Income Fund – Target Payout
|
|
| Class Name |
Schwab Monthly Income Fund – Target Payout
|
|
| Trading Symbol |
SWJRX
|
|
| Annual or Semi-Annual Statement [Text Block] |
This annual shareholder report contains important information about the fund for the period of January 1, 2025, to December 31, 2025.
|
|
| Shareholder Report Annual or Semi-Annual |
annual shareholder report
|
|
| Additional Information [Text Block] |
You can find additional information about the fund at www.schwabassetmanagement.com/prospectus . You can also request this information by calling or by sending an email request to orders@mysummaryprospectus.com .
|
|
| Additional Information Phone Number |
1-866-414-6349
|
|
| Additional Information Email |
orders@mysummaryprospectus.com
|
|
| Additional Information Website |
www.schwabassetmanagement.com/prospectus
|
|
| Expenses [Text Block] |
FUND COSTS FOR THE LAST year ENDED December 31, 2025 (BASED ON A HYPOTHETICAL $10,000 INVESTMENT)
|
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|
Schwab Monthly Income Fund – Target Payout* |
|
| Expenses were reduced by a contractual fee waiver in effect for so long as the investment adviser serves as adviser to the fund. This agreement to limit the total annual fund operating expenses is limited to the fund’s direct operating expenses and, therefore, does not apply to acquired fund fees and expenses (AFFE), which are indirect expenses incurred by the fund through its investments in the underlying funds. |
|
| Expenses Paid, Amount |
$ 0
|
[1] |
| Expense Ratio, Percent |
0.00%
|
[1] |
| Factors Affecting Performance [Text Block] |
MANAGEMENT’S DISCUSSION OF FUND PERFORMANCE For the 12-month reporting period ended December 31, 2025, the fund returned 12.17%. The S&P 500 ® Index, which provides a broad measure of equity market performance, and the Bloomberg US Aggregate Bond Index, which provides a broad measure of bond market performance, returned 17.88% and 7.30%, respectively. The fund’s internally calculated comparative index, the Target Payout Composite Index (the composite index), returned 11.66%. ■ The fund’s distribution yield (payout) was 4.78% 1 ■ Asset allocations were broadly in line with those of the composite index ■ Top contributors to total return: ● Schwab International Dividend Equity ETF ● Schwab U.S. Aggregate Bond Index Fund ■ Over the reporting period, there were no detractors from the return of the fund. However, the smallest contributors to total return were: ● BlackRock High Yield Bond Portfolio (Class K) ● Schwab 5-10 Year Corporate Bond ETF Portfolio holdings may have changed since the report date. Distributions may exceed income available and may include capital gains or return of capital to help reach the annual payout rate. A return of capital is a distribution from the shareholder’s investment principal, rather than net profits from the fund’s returns. Shareholders who receive periodic distributions consisting of a return of capital may be under the impression that they are receiving net profits when they are not. Return of capital reduces your cost basis in the fund’s shares and is not taxable to you until your cost basis has been reduced to zero. The tax-basis of distributions are finalized at fiscal year-end and may be recharacterized from income distributions to capital gains or return of capital. |
|
| Performance Past Does Not Indicate Future [Text] |
The performance data quoted represents past performance. Past performance does not guarantee future results.
|
|
| Line Graph [Table Text Block] |
Performance of Hypothetical $10,000 Investment (December 31, 2015 - December 31, 2025)  All total returns on this page assume dividends and distributions were reinvested. Index figures do not include trading and management costs, which would lower performance. Indices are unmanaged and cannot be invested in directly. Performance results less than one year are not annualized. For index definitions, please see www.schwabassetmanagement.com/glossary. The fund’s routine expenses have been absorbed by the investment adviser and its affiliates. Without these reductions, the fund’s returns would have been lower. T hese returns do not reflect the deduction of taxes that a shareholder would pay on fund distributions or the redemption of fund shares. |
|
| Average Annual Return [Table Text Block] |
Average Annual Total Returns
|
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Fund: Schwab Monthly Income Fund – Target Payout (03/28/2008) 1 |
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Bloomberg US Aggregate Bond Index |
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Target Payout Composite Index |
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| All total returns on this page assume dividends and distributions were reinvested. Index figures do not include trading and management costs, which would lower performance. Indices are unmanaged and cannot be invested in directly. Performance results less than one year are not annualized. For index definitions, please see www.schwabassetmanagement.com/glossary. The fund’s routine expenses have been absorbed by the investment adviser and its affiliates. Without these reductions, the fund’s returns would have been lower. T hese returns do not reflect the deduction of taxes that a shareholder would pay on fund distributions or the redemption of fund shares. |
|
| Performance Inception Date |
Mar. 28, 2008
|
|
| No Deduction of Taxes [Text Block] |
T hese returns do not reflect the deduction of taxes that a shareholder would pay on fund distributions or the redemption of fund shares.
|
|
| Updated Performance Information Location [Text Block] |
To obtain performance information current to the most recent month end, please www.schwabassetmanagement.com/prospectus |
|
| Net Assets |
$ 53,000,000
|
|
| Holdings Count | Holding |
11
|
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| Advisory Fees Paid, Amount |
$ 0
|
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| Investment Company, Portfolio Turnover |
27.00%
|
|
| Additional Fund Statistics [Text Block] |
|
|
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|
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|
Advisory Fees Paid by the Fund |
|
12-Month Distribution Yield |
|
Foreign Tax Paid and Passed Through |
|
Gross Income from Foreign Sources |
|
Dividends Received Deduction |
|
Qualified Dividend Income |
|
Qualified Business Income (199A) |
|
Business Interest Deduction (163j) |
|
|
|
| Holdings [Text Block] |
Asset Class Weightings % of Investments  Top Holdings % of Net Assets  Portfolio holdings may have changed since the report date. |
|
| Largest Holdings [Text Block] |
Top Holdings % of Net Assets Portfolio holdings may have changed since the report date. |
|
| Schwab Monthly Income Fund - Flexible Payout |
|
|
| Shareholder Report [Line Items] |
|
|
| Fund Name |
Schwab Monthly Income Fund – Flexible Payout
|
|
| Class Name |
Schwab Monthly Income Fund – Flexible Payout
|
|
| Trading Symbol |
SWKRX
|
|
| Annual or Semi-Annual Statement [Text Block] |
This annual shareholder report contains important information about the fund for the period of January 1, 2025, to December 31, 2025.
|
|
| Shareholder Report Annual or Semi-Annual |
annual shareholder report
|
|
| Additional Information [Text Block] |
You can find additional information about the fund at www.schwabassetmanagement.com/prospectus . You can also request this information by calling or by sending an email request to orders@mysummaryprospectus.com .
|
|
| Additional Information Phone Number |
1-866-414-6349
|
|
| Additional Information Email |
orders@mysummaryprospectus.com
|
|
| Additional Information Website |
www.schwabassetmanagement.com/prospectus
|
|
| Expenses [Text Block] |
FUND COSTS FOR THE LAST year ENDED December 31, 2025 (BASED ON A HYPOTHETICAL $10,000 INVESTMENT)
|
|
|
Schwab Monthly Income Fund – Flexible Payout* |
|
| Expenses were reduced by a contractual fee waiver in effect for so long as the investment adviser serves as adviser to the fund. This agreement to limit the total annual fund operating expenses is limited to the fund’s direct operating expenses and, therefore, does not apply to acquired fund fees and expenses (AFFE), which are indirect expenses incurred by the fund through its investments in the underlying funds. |
|
| Expenses Paid, Amount |
$ 0
|
[1] |
| Expense Ratio, Percent |
0.00%
|
[1] |
| Factors Affecting Performance [Text Block] |
MANAGEMENT’S DISCUSSION OF FUND PERFORMANCE For the 12-month reporting period ended December 31, 2025, the fund returned 12.14%. The S&P 500 ® Index, which provides a broad measure of equity market performance, and the Bloomberg US Aggregate Bond Index, which provides a broad measure of bond market performance, returned 17.88% and 7.30%, respectively. The fund’s internally calculated comparative index, the Flexible Payout Composite Index (the composite index), returned 11.66%. ■ The fund’s distribution yield (payout) was 4.41% 1 ■ Asset allocations were broadly in line with those of the composite index ■ Top contributors to total return: ● Schwab International Dividend Equity ETF ● Schwab U.S. Aggregate Bond Index Fund ■ Over the reporting period, there were no detractors from the return of the fund. However, the smallest contributors to total return were: ● BlackRock High Yield Bond Portfolio (Class K) ● Schwab 5-10 Year Corporate Bond ETF Portfolio holdings may have changed since the report date. Distributions may exceed income available and may include capital gains or return of capital to help reach the annual payout rate. A return of capital is a distribution from the shareholder’s investment principal, rather than net profits from the fund’s returns. Shareholders who receive periodic distributions consisting of a return of capital may be under the impression that they are receiving net profits when they are not. Return of capital reduces your cost basis in the fund’s shares and is not taxable to you until your cost basis has been reduced to zero. The tax-basis of distributions are finalized at fiscal year-end and may be recharacterized from income distributions to capital gains or return of capital. |
|
| Performance Past Does Not Indicate Future [Text] |
The performance data quoted represents past performance. Past performance does not guarantee future results.
|
|
| Line Graph [Table Text Block] |
Performance of Hypothetical $10,000 Investment (December 31, 2015 - December 31, 2025)  All total returns on this page assume dividends and distributions were reinvested. Index figures do not include trading and management costs, which would lower performance. Indices are unmanaged and cannot be invested in directly. Performance results less than one year are not annualized. For index definitions, please see www.schwabassetmanagement.com/glossary. The fund’s routine expenses have been absorbed by the investment adviser and its affiliates. Without these reductions, the fund’s returns would have been lower. These returns do not reflect the deduction of taxes that a shareholder would pay on fund distributions or the redemption of fund shares. |
|
| Average Annual Return [Table Text Block] |
Average Annual Total Returns
|
|
|
|
Fund: Schwab Monthly Income Fund – Flexible Payout (03/28/2008) 1 |
|
|
|
|
|
|
|
Bloomberg US Aggregate Bond Index |
|
|
|
Flexible Payout Composite Index |
|
|
| All total returns on this page assume dividends and distributions were reinvested. Index figures do not include trading and management costs, which would lower performance. Indices are unmanaged and cannot be invested in directly. Performance results less than one year are not annualized. For index definitions, please see www.schwabassetmanagement.com/glossary. The fund’s routine expenses have been absorbed by the investment adviser and its affiliates. Without these reductions, the fund’s returns would have been lower. These returns do not reflect the deduction of taxes that a shareholder would pay on fund distributions or the redemption of fund shares. |
|
| Performance Inception Date |
Mar. 28, 2008
|
|
| No Deduction of Taxes [Text Block] |
These returns do not reflect the deduction of taxes that a shareholder would pay on fund distributions or the redemption of fund shares.
|
|
| Updated Performance Information Location [Text Block] |
To obtain performance information current to the most recent month end, please www.schwabassetmanagement.com/prospectus |
|
| Net Assets |
$ 74,000,000
|
|
| Holdings Count | Holding |
11
|
|
| Advisory Fees Paid, Amount |
$ 0
|
|
| Investment Company, Portfolio Turnover |
25.00%
|
|
| Additional Fund Statistics [Text Block] |
|
|
|
|
|
|
Advisory Fees Paid by the Fund |
|
12-Month Distribution Yield |
|
Foreign Tax Paid and Passed Through |
|
Gross Income from Foreign Sources |
|
Dividends Received Deduction |
|
Qualified Dividend Income |
|
Qualified Business Income (199A) |
|
Business Interest Deduction (163j) |
|
|
|
| Holdings [Text Block] |
Asset Class Weightings % of Investments  Top Holdings % of Net Assets  Portfolio holdings may have changed since the report date. |
|
| Largest Holdings [Text Block] |
Top Holdings % of Net Assets Portfolio holdings may have changed since the report date. |
|
| Schwab Monthly Income Fund - Income Payout |
|
|
| Shareholder Report [Line Items] |
|
|
| Fund Name |
Schwab Monthly Income Fund – Income Payout
|
|
| Class Name |
Schwab Monthly Income Fund – Income Payout
|
|
| Trading Symbol |
SWLRX
|
|
| Annual or Semi-Annual Statement [Text Block] |
This annual shareholder report contains important information about the fund for the period of January 1, 2025, to December 31, 2025.
|
|
| Shareholder Report Annual or Semi-Annual |
annual shareholder report
|
|
| Additional Information [Text Block] |
You can find additional information about the fund at www.schwabassetmanagement.com/prospectus . You can also request this information by calling or by sending an email request to orders@mysummaryprospectus.com .
|
|
| Additional Information Phone Number |
1-866-414-6349
|
|
| Additional Information Email |
orders@mysummaryprospectus.com
|
|
| Additional Information Website |
www.schwabassetmanagement.com/prospectus
|
|
| Expenses [Text Block] |
FUND COSTS FOR THE LAST year ENDED December 31, 2025 (BASED ON A HYPOTHETICAL $10,000 INVESTMENT)
|
|
|
Schwab Monthly Income Fund – Income Payout* |
|
| Expenses were reduced by a contractual fee waiver in effect for so long as the investment adviser serves as adviser to the fund. This agreement to limit the total annual fund operating expenses is limited to the fund’s direct operating expenses and, therefore, does not apply to acquired fund fees and expenses (AFFE), which are indirect expenses incurred by the fund through its investments in the underlying funds. |
|
| Expenses Paid, Amount |
$ 0
|
[1] |
| Expense Ratio, Percent |
0.00%
|
[1] |
| Factors Affecting Performance [Text Block] |
MANAGEMENT’S DISCUSSION OF FUND PERFORMANCE For the 12-month reporting period ended December 31, 2025, the fund returned 9.85%. The S&P 500 ® Index, which provides a broad measure of equity market performance, and the Bloomberg US Aggregate Bond Index, which provides a broad measure of bond market performance, returned 17.88% and 7.30%, respectively. The fund’s internally calculated comparative index, the Income Payout Composite Index (the composite index), returned 9.67%. ■ The fund’s distribution yield (payout) was 4.63% 1 ■ Asset allocations were broadly in line with those of the composite index ■ Top contributors to total return: ● Schwab International Dividend Equity ETF ● Schwab U.S. Aggregate Bond Index Fund ■ Over the reporting period, there were no detractors from the return of the fund. However, the smallest contributors to total return were: ● BlackRock High Yield Bond Portfolio (Class K) ● Schwab Long-Term U.S. Treasury ETF Portfolio holdings may have changed since the report date. Does not expect to include capital gains or return of capital to help reach the annual payout rate. A return of capital is a distribution from the shareholder’s investment principal, rather than net profits from the fund’s returns. Shareholders who receive periodic distributions consisting of a return of capital may be under the impression that they are receiving net profits when they are not. Return of capital reduces your cost basis in the fund’s shares and is not taxable to you until your cost basis has been reduced to zero. The tax-basis of distributions are finalized at fiscal year-end and may be recharacterized from income distributions to capital gains or return of capital. |
|
| Performance Past Does Not Indicate Future [Text] |
The performance data quoted represents past performance. Past performance does not guarantee future results.
|
|
| Line Graph [Table Text Block] |
Performance of Hypothetical $10,000 Investment (December 31, 2015 - December 31, 2025)  All total returns on this page assume dividends and distributions were reinvested. Index figures do not include trading and management costs, which would lower performance. Indices are unmanaged and cannot be invested in directly. Performance results less than one year are not annualized. For index definitions, please see www.schwabassetmanagement.com/glossary. The fund’s routine expenses have been absorbed by the investment adviser and its affiliates. Without these reductions, the fund’s returns would have been lower. These returns do not reflect the deduction of taxes that a shareholder would pay on fund distributions or the redemption of fund shares. |
|
| Average Annual Return [Table Text Block] |
Average Annual Total Returns
|
|
|
|
Fund: Schwab Monthly Income Fund – Income Payout (03/28/2008) 1 |
|
|
|
|
|
|
|
Bloomberg US Aggregate Bond Index |
|
|
|
Income Payout Composite Index |
|
|
| All total returns on this page assume dividends and distributions were reinvested. Index figures do not include trading and management costs, which would lower performance. Indices are unmanaged and cannot be invested in directly. Performance results less than one year are not annualized. For index definitions, please see www.schwabassetmanagement.com/glossary. The fund’s routine expenses have been absorbed by the investment adviser and its affiliates. Without these reductions, the fund’s returns would have been lower. These returns do not reflect the deduction of taxes that a shareholder would pay on fund distributions or the redemption of fund shares. |
|
| Performance Inception Date |
Mar. 28, 2008
|
|
| No Deduction of Taxes [Text Block] |
These returns do not reflect the deduction of taxes that a shareholder would pay on fund distributions or the redemption of fund shares.
|
|
| Updated Performance Information Location [Text Block] |
To obtain performance information current to the most recent month end, please www.schwabassetmanagement.com/prospectus |
|
| Net Assets |
$ 66,000,000
|
|
| Holdings Count | Holding |
12
|
|
| Advisory Fees Paid, Amount |
$ 0
|
|
| Investment Company, Portfolio Turnover |
25.00%
|
|
| Additional Fund Statistics [Text Block] |
|
|
|
|
|
|
Advisory Fees Paid by the Fund |
|
12-Month Distribution Yield |
|
Foreign Tax Paid and Passed Through |
|
Gross Income from Foreign Sources |
|
Dividends Received Deduction |
|
Qualified Dividend Income |
|
Qualified Business Income (199A) |
|
Business Interest Deduction (163j) |
|
|
|
| Holdings [Text Block] |
Asset Class Weightings % of Investments  Top Holdings % of Net Assets  Portfolio holdings may have changed since the report date. |
|
| Largest Holdings [Text Block] |
Top Holdings % of Net Assets Portfolio holdings may have changed since the report date. |
|
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v3.25.4
Shareholder Report, Line Graph (Details) - USD ($)
|
|
12 Months Ended |
24 Months Ended |
36 Months Ended |
48 Months Ended |
60 Months Ended |
72 Months Ended |
84 Months Ended |
96 Months Ended |
108 Months Ended |
120 Months Ended |
Dec. 31, 2015 |
Dec. 31, 2025 |
Dec. 31, 2016 |
Dec. 31, 2017 |
Dec. 31, 2018 |
Dec. 31, 2019 |
Dec. 31, 2020 |
Dec. 31, 2021 |
Dec. 31, 2022 |
Dec. 31, 2023 |
Dec. 31, 2024 |
Dec. 31, 2025 |
| Schwab Monthly Income Fund - Target Payout |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Account Value [Line Items] |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Line Graph and Table Measure Name |
|
|
Schwab Monthly Income Fund – Target Payout
|
|
|
|
|
|
|
|
|
|
|
| Accumulated Value |
[1] |
$ 10,000
|
|
$ 10,458.02
|
$ 11,587.43
|
$ 10,856.81
|
$ 12,637.98
|
$ 13,310.7
|
$ 14,539.38
|
$ 12,671.18
|
$ 13,758.26
|
$ 14,312.5
|
$ 16,054.47
|
| Schwab Monthly Income Fund - Flexible Payout |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Account Value [Line Items] |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Line Graph and Table Measure Name |
|
|
Schwab Monthly Income Fund – Flexible Payout
|
|
|
|
|
|
|
|
|
|
|
| Accumulated Value |
[1] |
10,000
|
|
10,369.33
|
11,218.55
|
10,747.31
|
12,229.06
|
12,975.99
|
13,719.09
|
12,003.88
|
13,023.67
|
13,550.5
|
15,194.78
|
| Schwab Monthly Income Fund - Income Payout |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Account Value [Line Items] |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Line Graph and Table Measure Name |
|
|
Schwab Monthly Income Fund – Income Payout
|
|
|
|
|
|
|
|
|
|
|
| Accumulated Value |
[1] |
10,000
|
|
10,297.03
|
10,877.83
|
10,626.86
|
11,814.83
|
12,633.76
|
12,927.8
|
11,311.75
|
12,194.92
|
12,679
|
13,927.05
|
| Standard & Poor's 500 Index [Member] |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Account Value [Line Items] |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Line Graph and Table Measure Name |
|
|
S&P 500® Index
|
|
|
|
|
|
|
|
|
|
|
| Accumulated Value |
|
10,000
|
|
11,195.99
|
13,640.25
|
13,042.22
|
17,148.74
|
20,303.9
|
26,132.22
|
21,399.45
|
27,024.86
|
33,786.4
|
39,827.41
|
| Bloomberg US Aggregate Bond Index [Member] |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Account Value [Line Items] |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Line Graph and Table Measure Name |
|
|
Bloomberg US Aggregate Bond Index
|
|
|
|
|
|
|
|
|
|
|
| Accumulated Value |
|
10,000
|
|
10,264.75
|
10,628.31
|
10,629.52
|
11,556.06
|
12,423.53
|
12,231.95
|
10,640.56
|
11,228.86
|
11,369.25
|
12,199.31
|
| Target Payout Composite Index [Member] |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Account Value [Line Items] |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Line Graph and Table Measure Name |
|
|
Target Payout Composite Index
|
|
|
|
|
|
|
|
|
|
|
| Accumulated Value |
|
10,000
|
|
10,513.02
|
11,711.53
|
11,367.89
|
13,353.04
|
14,680.47
|
16,111.13
|
14,002.87
|
15,265.94
|
15,834.23
|
17,681.29
|
| Flexible Payout Composite Index [Member] |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Account Value [Line Items] |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Line Graph and Table Measure Name |
|
|
Flexible Payout Composite Index
|
|
|
|
|
|
|
|
|
|
|
| Accumulated Value |
|
10,000
|
|
10,427.13
|
11,332.27
|
11,123.03
|
12,748.24
|
13,931.23
|
14,780.36
|
12,911.25
|
14,075.85
|
14,599.84
|
16,302.9
|
| Income Payout Composite Index [Member] |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Account Value [Line Items] |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Line Graph and Table Measure Name |
|
|
Income Payout Composite Index
|
|
|
|
|
|
|
|
|
|
|
| Accumulated Value |
|
$ 10,000
|
|
$ 10,339.04
|
$ 10,961.4
|
$ 10,874.89
|
$ 12,156.9
|
$ 13,187.28
|
$ 13,521.46
|
$ 11,833.48
|
$ 12,809.34
|
$ 13,275.09
|
$ 14,558.48
|
|
|
| X |
- ReferencesReference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Form N-1A
-Section 27A
-Subsection d
-Paragraph 2
-Subparagraph i
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v3.25.4
Shareholder Report, Average Annual Return (Details)
|
12 Months Ended |
60 Months Ended |
120 Months Ended |
Dec. 31, 2025 |
Dec. 31, 2025 |
Dec. 31, 2025 |
| Schwab Monthly Income Fund - Target Payout |
|
|
|
|
| Average Annual Return [Line Items] |
|
|
|
|
| Line Graph and Table Measure Name |
|
Schwab Monthly Income Fund – Target Payout
|
|
|
| Average Annual Return, Percent |
[1] |
12.17%
|
3.82%
|
4.85%
|
| Schwab Monthly Income Fund - Flexible Payout |
|
|
|
|
| Average Annual Return [Line Items] |
|
|
|
|
| Line Graph and Table Measure Name |
|
Schwab Monthly Income Fund – Flexible Payout
|
|
|
| Average Annual Return, Percent |
[1] |
12.14%
|
3.21%
|
4.27%
|
| Schwab Monthly Income Fund - Income Payout |
|
|
|
|
| Average Annual Return [Line Items] |
|
|
|
|
| Line Graph and Table Measure Name |
|
Schwab Monthly Income Fund – Income Payout
|
|
|
| Average Annual Return, Percent |
[1] |
9.85%
|
1.97%
|
3.37%
|
| Standard & Poor's 500 Index [Member] |
|
|
|
|
| Average Annual Return [Line Items] |
|
|
|
|
| Line Graph and Table Measure Name |
|
S&P 500® Index
|
|
|
| Average Annual Return, Percent |
|
17.88%
|
14.42%
|
14.82%
|
| Bloomberg US Aggregate Bond Index [Member] |
|
|
|
|
| Average Annual Return [Line Items] |
|
|
|
|
| Line Graph and Table Measure Name |
|
Bloomberg US Aggregate Bond Index
|
|
|
| Average Annual Return, Percent |
|
7.30%
|
(0.36%)
|
2.01%
|
| Target Payout Composite Index [Member] |
|
|
|
|
| Average Annual Return [Line Items] |
|
|
|
|
| Line Graph and Table Measure Name |
|
Target Payout Composite Index
|
|
|
| Average Annual Return, Percent |
|
11.66%
|
3.79%
|
5.86%
|
| Flexible Payout Composite Index [Member] |
|
|
|
|
| Average Annual Return [Line Items] |
|
|
|
|
| Line Graph and Table Measure Name |
|
Flexible Payout Composite Index
|
|
|
| Average Annual Return, Percent |
|
11.66%
|
3.19%
|
5.01%
|
| Income Payout Composite Index [Member] |
|
|
|
|
| Average Annual Return [Line Items] |
|
|
|
|
| Line Graph and Table Measure Name |
|
Income Payout Composite Index
|
|
|
| Average Annual Return, Percent |
|
9.67%
|
2.00%
|
3.83%
|
|
|
| X |
- ReferencesReference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Form N-1A
-Section 4
-Subsection b
-Paragraph 2
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v3.25.4
Shareholder Report, Holdings (Details)
|
Dec. 31, 2025 |
| Schwab Monthly Income Fund - Target Payout | Schwab Government Money Fund, Ultra Shares [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
1.10%
|
| Schwab Monthly Income Fund - Target Payout | Schwab U.S. Dividend Equity ETF [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
20.10%
|
| Schwab Monthly Income Fund - Target Payout | Schwab International Dividend Equity ETF [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
20.20%
|
| Schwab Monthly Income Fund - Target Payout | Schwab High Yield Bond ETF [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
11.00%
|
| Schwab Monthly Income Fund - Target Payout | Schwab 5-10 Year Corporate Bond ETF [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
3.00%
|
| Schwab Monthly Income Fund - Target Payout | Cohen And Steers Preferred Securities And Income Fund, Inc., Class I [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
7.00%
|
| Schwab Monthly Income Fund - Target Payout | Schwab Long-Term U.S. Treasury ETF [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
7.00%
|
| Schwab Monthly Income Fund - Target Payout | T Rowe Price Institutional Floating Rate Fund, Instutional Class [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
6.10%
|
| Schwab Monthly Income Fund - Target Payout | Schwab Global Real Estate Fund [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
6.60%
|
| Schwab Monthly Income Fund - Target Payout | Schwab U.S. Aggregate Bond Index Fund [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
17.00%
|
| Schwab Monthly Income Fund - Target Payout | Fixed Income - Intermediate-Term Bond [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
31.00%
|
| Schwab Monthly Income Fund - Target Payout | U.S. Stocks - Large-Cap [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
20.10%
|
| Schwab Monthly Income Fund - Target Payout | International Stocks - Developed Markets [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
20.20%
|
| Schwab Monthly Income Fund - Target Payout | Fixed Income - Preferred [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
7.00%
|
| Schwab Monthly Income Fund - Target Payout | Fixed Income - Long-Term Government Bond [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
7.00%
|
| Schwab Monthly Income Fund - Target Payout | Fixed Income - Floating Rate Loans [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
6.10%
|
| Schwab Monthly Income Fund - Target Payout | Real Estate - Global Real Estate [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
6.60%
|
| Schwab Monthly Income Fund - Target Payout | Money Market Funds [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
2.00%
|
| Schwab Monthly Income Fund - Target Payout | Fixed Income - High - Yield Bond [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
11.00%
|
| Schwab Monthly Income Fund - Flexible Payout | Schwab Government Money Fund, Ultra Shares [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
1.40%
|
| Schwab Monthly Income Fund - Flexible Payout | Schwab U.S. Dividend Equity ETF [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
20.20%
|
| Schwab Monthly Income Fund - Flexible Payout | Schwab International Dividend Equity ETF [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
20.30%
|
| Schwab Monthly Income Fund - Flexible Payout | Schwab High Yield Bond ETF [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
11.00%
|
| Schwab Monthly Income Fund - Flexible Payout | Schwab 5-10 Year Corporate Bond ETF [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
2.90%
|
| Schwab Monthly Income Fund - Flexible Payout | Cohen And Steers Preferred Securities And Income Fund, Inc., Class I [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
7.00%
|
| Schwab Monthly Income Fund - Flexible Payout | Schwab Long-Term U.S. Treasury ETF [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
7.00%
|
| Schwab Monthly Income Fund - Flexible Payout | T Rowe Price Institutional Floating Rate Fund, Instutional Class [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
6.10%
|
| Schwab Monthly Income Fund - Flexible Payout | Schwab Global Real Estate Fund [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
6.50%
|
| Schwab Monthly Income Fund - Flexible Payout | Schwab U.S. Aggregate Bond Index Fund [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
17.00%
|
| Schwab Monthly Income Fund - Flexible Payout | Fixed Income - Intermediate-Term Bond [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
30.90%
|
| Schwab Monthly Income Fund - Flexible Payout | U.S. Stocks - Large-Cap [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
20.20%
|
| Schwab Monthly Income Fund - Flexible Payout | International Stocks - Developed Markets [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
20.30%
|
| Schwab Monthly Income Fund - Flexible Payout | Fixed Income - Preferred [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
7.00%
|
| Schwab Monthly Income Fund - Flexible Payout | Fixed Income - Long-Term Government Bond [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
7.00%
|
| Schwab Monthly Income Fund - Flexible Payout | Fixed Income - Floating Rate Loans [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
6.10%
|
| Schwab Monthly Income Fund - Flexible Payout | Real Estate - Global Real Estate [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
6.50%
|
| Schwab Monthly Income Fund - Flexible Payout | Money Market Funds [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
2.00%
|
| Schwab Monthly Income Fund - Flexible Payout | Fixed Income - High - Yield Bond [Member] |
|
| Holdings [Line Items] |
|
| Percent of Total Investments |
11.00%
|
| Schwab Monthly Income Fund - Income Payout | Schwab U.S. Dividend Equity ETF [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
13.10%
|
| Schwab Monthly Income Fund - Income Payout | Schwab International Dividend Equity ETF [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
11.30%
|
| Schwab Monthly Income Fund - Income Payout | Schwab High Yield Bond ETF [Member] |
|
| Holdings [Line Items] |
|
| Percent of Net Asset Value |
9.00%
|
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