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Dividend ETFs seek to provide high yields by investing in dividend-paying stocks.

These ETFs (exchange-traded funds) typically hold stocks that have a history of distributing dividends to their shareholders. However, its important to remember that, unlike the coupon payments on bonds, dividend payments are not guaranteed.

Dividend ETFs can provide a stream of income and long-term growth.

Many investors like the cash flows that dividend ETFs provide. Others believe that the true value of any company depends on its ability to return profits to shareholders via dividends. As you make decisions about your portfolio, its important to understand what dividend ETFs can offer and what to watch out for.

• Potentially generate a regular revenue stream.

• Payouts may continue even when company earnings are down.

• Dividends are taxed in the year they are distributed to shareholders.

Dividend ETFs are often categorized by their long-term growth potential or their high-yield potential.

This strategy screens for companies that have a history of increasing dividends over time but may have a lower current yield.

This strategy screens for companies that have the highest current yield but may have unsustainable dividend payment over time.

When selecting dividend ETFs, its important to understand the funds strategy (which you can usually find on its website or in its prospectus). The screening process used by the fund to identify dividend-paying stocks and any screens applied to firm quality should be clearly described.

Your approach to ETF investing depends on what type of investor you are. At Schwab, we provide the help you need to build a strong ETF portfolio, whichever way you prefer to invest.

You prefer to build and manage your own portfolio.

Youre a hands-on investor, but youd like some guidance.

Youd like a professional to help you define and pursue your goals.

Explore additional ETF topics in ourUnderstanding ETFssection:

Choose from 500+ commission-free* ETFs from Charles Schwab Investment Management (CSIM) and other leading fund companiesincluding Schwabs low-cost market cap index ETFs.

* Conditions Apply: Trades in ETFs available through Schwab ETF OneSource™ (including Schwab ETFs™) are available without commissions when placed online in a Schwab account. Service charges apply for trade orders placed through a broker ($25) or by automated phone ($5). An exchange processing fee applies to sell transactions. Certain types of Schwab ETF OneSource transactions are not eligible for the commission waiver, such as short sells and buys to cover (not including Schwab ETFs). Schwab reserves the right to change the ETFs we make available without commissions. All ETFs are subject to management fees and expenses. Please seeCharles Schwab Pricing Guidefor additional information.

Investors should consider carefully information contained in the prospectus or, if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request aprospectusby calling Schwab at . Please read the prospectus carefully before investing.

Dividend-focused funds may underperform funds that do not limit their investment to dividend-paying stocks. Stocks held by the fund may reduce or stop paying dividends, affecting the funds ability to generate income.

Sector funds are not typically diversified and focus investments on companies involved in a specific sector. The fund may involve a greater degree of risk than an investment in other funds with greater diversification.

Investment returns will fluctuate and are subject to market volatility, so that an investors shares, when redeemed or sold, may be worth more or less than their original cost. Shares of ETFs are not individually redeemable directly with the ETF. Shares of ETFs are bought and sold at market price, which may be higher or lower than the net asset value (NAV).

Diversification does not ensure a profit and does not protect against losses in declining markets.

Schwab ETFs are distributed by SEI Investments Distribution Co (SIDCO). CSIM and Schwab are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation, and are not affiliated with SIDCO.

The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC), offers investment services and products, including Schwab brokerage accounts. Its banking subsidiary, Charles Schwab Bank (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons.

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