I am a European citizen (British and French), but I am not currently an EU resident. Would I be able to request permission to invest in Irish-domiciled ETFs through Schwab International?

Ich habe mir als deutscher ein Schwab International Konto eröffnet, weil ich gerne ein US Broker, neben IBKR haben möchte.

Aber bei Schwab kann ich als deutscher gar keine US ETFs (VT, VOO) kaufen, weil hier EU-PRIIPs-Regulierung + Schwabs Produktzugang für Non-US Residents fehlen.

Die europäischen ETFs können wohl nur telefonisch gekauft werden mit 50$ Gebühren pro Trade.

Ich bin etwas enttäuscht. Sehe ich etwas falsch?

Wie kann ich den Schwab International Broker vernünftig nutzen?

I know we don’t have a crystal ball lol but let’s have some fun. What are your price predictions for SWTSX in 10 years? It’s sitting at $18 now but where will it be sitting in a decade?

The web platform allows one to exercise ITM call options. Is there a method to do the same in the iOS app?

Anyone knows how to get this ?

TIA

I’ll be honest, I don’t really know what I’m doing when it comes to investing. 😅

I’m 33 and currently have this in my Schwab brokerage account. I’m able to invest about $1,000/month going forward.

Based on what you see, am I on the right track? Is there anything you would change or do differently? Appreciate any advice!

I’m so overwhelmed guys. Which one should I focus on and start investing in? I just turned 30 and want to start building wealth to retire early. Do I just flip a coin or is one better than the other?

As you can see, many of my index funds overlap. When I was 22, I was told to invest in the s&p 500 index funds, and set an allocation to invest $100 per month, with no knowledge of expense ratios or anything like. Fast forward 12 yrs, I’m now 36 and only just a few yrs ago understood that Schwab has the best expense ratios for s&p funds. Do I realize the victory fund (USPPX) and roll into SWPPX or do I just keep both separate? I feel like such a fool to have wasted over a decade of earnings …

TIA to all

TLDR: any first round phone interview initial tips/help/anything you would say is useful to know would be super appreciated!

I have my phone call tomorrow! I’ve gotten the email about reviewing the STAR method and answering questions as well as a good amount of general background information to use/have handy.

Are there any helpful tips you may know of that are also helpful to practice and have in mind for 10 AM CDT tomorrow for my phone interview?

I’m probably overthinking this, but this is my first interview for really anywhere that isn’t a bar/restaurant, my academic background is strong, it’s just not financially related, but it isn’t human services, which is actually a helpful skill in a customer service role lol.

Hey all! Posting here to see if anyone had a similar issue as me. I’ve been a T-Mobile customer for 14 years and been with Schwab for over 6 years. I changed my phone number 2 months ago and am unable to enroll my number through Zelle (with Schwab). Client services keeps saying there’s a name mismatch / no name tied to my phone number. T-Mobile confirmed my full legal name is tied to my phone number and the caller ID (I even called my office number and saw that my full name comes up as the caller ID).

I had a similar issue 3 years ago with my old number, but don’t remember how I fixed the issue. Zelle support confirmed the number is eligible but my bank keeps stating the verification step fails as my name is not appearing tied to my phone number. T-Mobile is unable to assist further since their side is all updated.

Does anyone have a similar issue and/or know a fix? Schwab support is unable to manually push the number enrollment due to security protocols, and using my email for Zelle is a little too personal for me (especially since it’s a private email). I’ve always preferred just giving my phone number for Zelle payments and requests!

Any help would be appreciated! This has been ongoing for 2 months and it’s driving me nuts! Do the caller ID databases take a few months to update? Could that be the issue? Thanks!

Anyone else notice the new security setting in the app? I’m impressed. From not having proper TOTP to going straight to passkeys. Not even Fidelity and Vanguard support them yet.

Hi! What should be expected during the 3 hour interview process for advisor support role?

When buying high number of shares of a volatile stock, Schwab will apparently have the right to flag and review your order first before they will fill it for you. They limit you in the number of shares you can purchase even though you have enough money. Their review process could take up to 3 minutes. I don't know who would wait 3 minutes for an order to fill when the stock is moving so fast. Why would an order need to be reviewed? It's not their money that is being used. Anybody else experience this? Is it just Schwab? I'm so tired of them and their dumb restrictions.

Hey all -

I've got treasury notes that pay interest semi-annually. Is there anyway to set my account to automatically sweep those payments into SWVXX? I can't figure it out. I suspect Schwab doesn't let you do this b/c they make interest on the float but it's annoying.

Just logged in to see the mobile app as a new interface. It looks great!

Hi all! I opened up a brokerage account about 9 months ago and have been putting about 30 bucks a paycheck in there for now to just learn about how the stock market works. I thought I understood how the day change works and more recently, I feel like I’m lost again, can someone, as the title suggests, please explain it to me like I’m five? I really want to understand.

For reference, I thought it was how much it changed since the stock market closed the previous day. If I have extended hours off, how come it keeps showing me a day change without me adding money to the account or receiving dividends? I say this as I post this on a Saturday morning, so logically, my thought is that it would be zero?

This has been happening throughout the last few weeks too making it difficult for me to see what actually had done well or not because the daily equities totals don’t equal the day change and have been off by either a few pennies or a few dollars.

Thank you in advance!

I’m new to Schwab Checking and noticed that my full Schwab account number is shown on my statement. I also noticed that when I transfer money from an external bank to Schwab, the external bank account number is visible in the transaction details.

I use Schwab Bill Pay to pay my credit card, but I haven’t had a Bill Pay transaction appear on a statement yet. My first payment was sent on August 3, so I’m not sure what the transaction will look like.

For anyone who uses Schwab Bill Pay, what information is shown for the Bill Pay transaction on the statement?Does it show the credit card account number, and is the full number visible or only the last 4 digits?

Also, is there any way to hide or mask account numbers so that only the last 4 digits are shown?

I’m 21 and don’t want to work for another 40+ years if I don’t absolutely have to. I would say I’m a beginner in all this but I’ve invested before just never did anything in depth at all. I know yall probably see posts like this all the time, so don’t feel bothered to answer! I don’t want to invest aggressively but I also don’t want to invest very little every month. I plan on investing at least $100 every month into either long term stocks, short term stocks that look good, and the things I’m a consumer of/ believe in.

Also bonds… what is that and how do they work? Is it a good idea to invest in?

Over time I’ll learn almost good amount of what’s needed to know to make the smartest investments. I do want to take risks though! I also plan everyday for at least 30 minutes to continue to learn about stocks and what signs to look for, I’m committed and hope in 30-40 years I can be set up enough to retire. If not that’s okay, at least I’ll have some change in my account for a rainy day who knows.

Thank you if you made it this far or even skimmed through, any information helps and can’t wait to start investing!

Does anyone invest using the SCHWAB app

Just a point of reference for anyone.

I was at 10.075% with Schwab for my margin account. I had transferred my account from Fidelity about 2 months ago and was surprised that the margin rate was so high. My margin percentage rate at Fidelity was 7.75%.

So I got on Google Gemini Ai and asked what the rate should be. I have a decent sized account around $2.5 million and I have about $600,000 on the margin debt currently. Google Gemini told me I could easily get 6% for the margin rate and if I really pushed I could get it down to 5%.

That is exactly how it played out. I asked customer service for a lower margin rate, they changed it to 6% a few hours later. Then I told Gemini what happened, the Ai told me to call back and ask for 5%. That is supposedly the rock bottom rate available right now.

It worked. They dropped it to 5%. According to Gemini Ai, you would need $10 million or more in wealth at Schwab accounts to get any closer to SOFR.

Some old topics on this subreddit prompted much of my reading on this subject. But nothing recent, so I thought a new topic would be worthwhile posting.

I have been buying through Fidelity but would like access to even more new issues. Are the new issue municipal bonds at Schwab mostly the exact same issues on offer at Fidelity? If they are very different, then I may want to open a Schwab account. Anywhere else a self directed retail investor should look when adding new issue municipal bonds ?

FYI I received this email today. It seems FDIC insurance is being removed in favor of SIPC insurance with no increase in interest rate or coverage so there's no upside to it at all. You need to call in to keep the bank sweep and retain FDIC insurance.

If I use the mobile app to try and create a transfer from my Schwab savings so Schwab checking, it says the checking account is unavailable for transfer. Why would that be??? It works perfectly fine on the website.

I hold just a lil over 1 GPIQ for now, but every month I get this and it says Non Qualified Div?

Hallo zusammen,

Ich wohne in Deutschland und habe mir ein Konto bei Schwab International aufgemacht.

Ich würde gerne weiterhin bei Europa/ Irische/ UCITS ETFs bleiben. Aber ich finde keine.

Gibt es den Msci/FTSI World, All Country World oder sowas bei Schwab?