The estimated annual income and portfolio value shown for the Strategy do not represent the results of any actual account. Learn more about our services fornon-U.S. residents. Meet the experts behind Schwab's investing insights. Web1. Stable Voyage (Contract Form #SPFA11.1; SPFA11.1-Rev; and ICC13-SPFA11.1) is issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001. Last week's better-than-expected labor report joined upbeat services sector reports to temper some of the optimism of a less aggressive Fed, while commentary from a number of notable business leaders stoked recessionary fears to add to the pessimism. If you transfer your Traditional or Roth IRA and request that the check be made payable to you, you have up to 60 days to deposit that check into another IRA without taxes or penalties. We accomplish this with careful analysis of the major fixed income sectors and opportunistic purchases of fixed income investments with yield characteristics that the ThomasPartners Strategies Portfolio Management Team believes fairly compensate investors for the risks to which they are exposed. Fixed-income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors. Charles Schwabs Cooper Howard is predicting a bounce back year for the $4 trillion municipal debt market in 2023. A host of manufacturing and services PMIs from across the globe are also slated for release. China's Shanghai Composite Index gained 0.3%, and the Hong Kong Hang Seng Index jumped 2.3%, adding to a strong rally as of late. Listen to the latest audio Schwab Market Update. The Enhanced Beneficiary Benefit Rider is not available on Traditional IRA, Roth IRA, Inherited IRA, and SEP IRA policies. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. This guide will compare the Charles Schwab Bank interest rates to CD rates from the USAs top banks. Schwab reserves the right to act as principal on any fixed income transaction, public offering or securities transaction. The recent choppiness has come amid uncertainty regarding the ultimate economic impact of aggressive rate hikes, of which inflation has been a primary driver of the tightening. Automated investing, professional advice or trade on your own. Or. Use your mobile wallet or contactless debit card for a secure, convenient and easy way to pay7. Conviction remains constrained by uncertainty regarding the ultimate economic impact of the recent aggressive monetary policy tightening globally, including in the U.S., Europe and the U.K. Signs of slowing economic growth amid this backdrop have emerged but Schwab's Chief Global Investment Strategist Jeffrey Kleintop, CFA, discusses in his article, Central Banks Stepping Down,how central banks seem to be stepping down from aggressive rate hikes, and this could lead to a year-end "Santa Pause" rally for stocks. All expressions of opinions are subject to change without notice in reaction to shifting market conditions. ThomasPartners Dividend Growth Strategy. Market Value Adjustment is applied only during the surrender charge period to full surrenders and to any partial surrender in excess of the penalty-free amount. Unauthorized access is prohibited. MVA applies only on withdrawals above the surrender charge free withdrawal amount. We can help you every step of the way in bringing your assets over, in a tax-efficient manner. See All. 6.740%. In a fixed deferred annuity, you may elect to withdraw your money at the end of the surrender charge period in a lump sum. Protected Deferred Annuity, life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX. It's quick and easy to apply online once you've gathered the required information. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Shares of MSFT declined, while ATVI traded higher. Non-U.S. residents are subject to country-specific restrictions. time. The Dow Jones Industrial Average decreased 305 points (0.9%) to 33,476, the S&P 500 Index went down 29 points (0.7%) to 3,934, and the Nasdaq Composite declined 77 points (0.7%) to 11,005. Issue age for tax-qualified account is 18-90. As well, the markets sifted through a slightly hotter-than-expected wholesale inflation report out of the U.S. Forms ICC19996663P 06-20, 3P99678CA 06-20, 3P99672DE 06-20, 3P99679FL 06-20, 3P99673ND 06-20, 3P99674SD 06-20 by USAA Life Insurance Company, San Antonio, TX. Their assets under management range from $90 million for SCHQ to $15.6 billion for SCHP. You should speak with a tax advisor. Shares gained ground. Automated investing, professional advice, or trade on your own. WebRead our views on trends in the fixed income market affecting bonds, CDs, and money markets. Schwab Intelligent Portfolios review; Must have a debt-to-income (DTI) as of late, 30-year fixed rates have actually been keeping pace with 5/1 ARMs) No representation is made that a client will achieve results similar to those shown. On the equity front, Lululemon Athletica beat top and bottom line estimates but lowered its guidance, RH also bested forecasts though warned of worsening demand moving forward, Broadcom posted upbeat results and increased its dividend, and Microsoft is now facing a U.S. government antitrust lawsuit in its attempt to acquire Activision Blizzard. For more Early withdrawals from Midland National LiveWell Guarantee Max and USAA Protected Deferred Annuity may be subject to market value adjustments, which may be either positive or negative. MSFT had announced its plans to purchase ATVI in January for roughly $68.7 billion. You can view both accounts online with a single login, pay no monthly fees, and easily transfer funds between accounts for free. Questions about annuities? This report is for informational purposes only and is not a solicitation, or a recommendation that any particular investor should purchase or sell any particular security. The estimated annual income and portfolio value shown for the Strategy do not represent the results of any actual account. Transfer funds from another financial institution. Unauthorized access is prohibited. Find more information on these calculation methods in IRS Revenue Ruling 2002-62. The LiveWell Guarantee Max is issued on base contract form AS205A/ICC21-AS205A (contract), ME123A/ICC19-ME123A, and AR151A (endorsements) or appropriate state variations by Midland National Life Insurance Company, West Des Moines, IA. 20. In most jurisdictions, the rider form number for the Living Needs Benefit/Unemployment Rider is ICC09-R100; in some states it may be 209-100. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. What other factors should I be aware of when considering a fixed deferred annuity? Certain requirements must be met to trade options through Schwab. Mobile carrier data charges may apply. They are FDIC-insured and offered through Charles Schwab & Co., Inc. 3. Get Automated Investing with Professional Guidance. Review Schwab Bank's full Deposit Account Pricing Guide or contact Schwab Bank at 8884039000. You can begin annuity paymentsno surrender charges or market value adjustment will apply. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. Shares of LULU fell over 10%. The dividend yield for the strategy is based on the model portfolio. Contact Schwab for the latest margin interest rates. The U.K. FTSE 100 Index went up 0.1%, Italy's FTSE MIB Index increased 0.3%, France's CAC-40 Index advanced 0.5%, Spain's IBEX 35 Index gained 0.8%, Germany's DAX Index rose 0.7%, and Switzerland's Swiss Market Index traded 0.6% higher. The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Schwab does not currently perform these substantially equal periodic payment (72(t)) calculations. Web2. Please understand these before opening your account. WebFixed indexed annuities offer lower potential return in exchange for 100% principal protection when market performance is negative. ThomasPartners Balanced Income Conservative Strategy. WebMortgage Rates; Refinance Rates; Mortgage Calculator; Jumbo 30 Year Fixed. The fixed indexed annuities offered through Schwab can also provide lifetime income for you and your spouse with an optional guaranteed lifetime withdrawal benefit, 4 available for an MVA increases or decreases the annuity contract value, or withdrawal amount received. Surrender charges may be different when renewing to a new guarantee period. Additionally, AVGO upped its quarterly dividend by 12.2% to $4.60 per share. This adjustment may decrease or increase the surrender value depending on the change in the external index since the annuity purchase. The dividend yield for the strategy, the NASDAQ US Broad Dividend Achievers TR Index (DAATR) in the Blended Benchmark, and the S&P 500. Each period's estimated annual income shown is the product of that initial $1 million investment times the composite's cumulative total return, net of actual fees, since the inception date times the dividend yield. China has already provided measures to try to help its struggling property market, while also recently delivering stimulus measures, including lowering the reserve requirements for its largest banks and more. The pre-2019 methodology for strategy yield could have resulted in a higher or lower yield than the new methodology because the last dividend paid could have been higher or lower than dividends paid over the trailing 12 months. Meet the experts behind Schwab's investing insights. The dividend yield for the strategy, the S&P 500 Index, and the NASDAQ U.S. Broad Dividend Achievers TR Index (DAATR) is the weighted average trailing 12-month yield. WebFixed income securities are subject to increased loss of principal during periods of rising interest rates. If you take a distribution of Roth IRA earnings before you reach age 59 and before the account is five years old, the earnings may be subject to taxes and penalties. If no election is made within the 30-day window following the end of the guarantee period you will automatically be re-issued a new guarantee period that is the same period you originally selected. Daily Rates. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC), offers investment services and products, including Schwab brokerage accounts. Broadcom Inc. (AVGO $545) reported a fiscal Q4 profit of $10.45 per share, compared to the FactSet estimate of $10.28, as revenues jumped 20.6% y/y to $8.93 billion, nearly matching the Street's forecast. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. Confinement waiver available on or after the first contract anniversary after the owner is confined for at least 60 consecutive days. See product-specific disclosure for further details on benefits and limitations. Secure Term Choice Fixed Annuity II issued by New York Life Insurance and Annuity Corporation (NYLIAC) (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company. Enrollment is not guaranteed. Withdrawals must be taken after a five-year holding period. Card lock/unlock, bank and transaction alerts and travel notices5 help you and us stay on top of your account. There are exceptions to the early withdrawal penalty, such as a first-time home purchase, college expenses, and birth or adoption expenses. Enjoy guaranteed, tax-deferred growth free from market volatility. They are as follows: Schwab Short-Term U.S. Treasury ETF (SCHO), Schwab Intermediate-Term U.S. Treasury ETF (SCHR), Schwab Long-Term U.S. Treasury ETF (SCHQ), Schwab 1-5 Year Corporate Bond ETF (SCHJ), Schwab 5-10 Year Corporate Bond ETF (SCHI). Member SIPC. Please read Schwab's disclosure brochure for important information and disclosures relating to Connection and Schwab Managed Account Services. The affected ETFs all cover the fixed income space, and each saw its expense ratio reduced by 1 basis point. WebIts broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC), offers investment services and products, including Schwab brokerage accounts. Options trades will be subject to the standard $0.65 per-contract fee. Charles Schwab & Co., Inc.All rights reserved. 1. Each period's estimated annual income shown is the product of that initial $1 million investment times the composite's cumulative total return, net of actual fees, since the inception date times the dividend yield. Asian stocks finished higher with Hong Kong markets leading the way, and European stocks gained ground as the global markets absorbed inflation data out of the U.S. and China. Treasury rates were higher, as the yield on the 2-year note gained 5 bps to 4.36%, the yield on the 10-year note rose 8 bps to 3.58%, and the 30-year bond rate climbed 12 bps to 3.57%. U.S. equities closed out the week in the red following a slightly higher-than-expected read on wholesale price inflation. Issuer has sole responsibility for its products. Get Automated Investing with Professional Guidance, Significant Contribution to Returns, Over Time. The guaranteed interest rate will not be less than the minimum guaranteed interest rateno surrender charge period will apply. More central bank action will come from overseas, with both the European Central Bank (ECB) and the Bank of England (BoE) slated to release their respective monetary policy decisions following the Fed in the U.S. Other reports on the international economic calendar next week include: Australialabor data, as well as business and consumer sentiment. Functionality may vary by operating system and/or device. This product, its features and riders may not be available in all states. WebSchwab BondSource gives you access to over 60,000 bonds from more than 200 dealers, including new-issue municipal and corporate bonds, 1 at the best price available to Schwab. The move comes as MSFT is already facing scrutiny in the U.K., which is looking into whether the acquisition would lessen competition in the country. At the end of the initial interest rate guarantee period, you can take a partial or full withdrawalno surrender charge. Elsewhere, the gold spot price went up $5.60 to $1,807.10 per ounce, and the Dollar Index gained 0.2% to 104.96. Both Schwab Asset Management and Schwab are separate entities and subsidiaries of The Charles Schwab Corporation. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. This means it is not taxable or subject to a penalty as long as you satisfy one of these qualifying conditions: Youre at least 59, you become disabled or pass away, or you use the withdrawal (up to a $10,000 lifetime maximum) to pay for a first-time home purchase. Usage will be monitored. The Producer Price Index (PPI) (chart) showed prices at the wholesale level in November rose 0.3% month-over-month (m/m), above the Bloomberg consensus estimate of a 0.2% gain, and in line with October's upwardly revised increase. 2. Option to receive at least the initial purchase amount beginning on the second policy anniversary for those who purchase a policy between ages 0-85 (available immediately for those who purchase a policy between ages 86-90). Click herefor interest rates on the fixed deferred annuities offered through Schwab. See the Midland National LiveWell Guarantee Max brochure and disclosure which provides more details about the contract, product features, costs, and other important considerations. Do nothing and renew into the 1-year guarantee period at the current interest rate. Box 982600 El Paso, TX 79998 Accounts in multiple places? Generally, any withdrawals in a given year that exceed 5% - 10% of your account value (based on the contract you select) will be subject to surrender charges and/or a market value adjustment. WebThe Balanced Income Strategy is not representative of any single client account and, since the launch of the strategy on Connection, uses exchange-traded funds for fixed income exposure, rather than the historic use of both individual bonds and ETFs that are reflected in this performance chart. WebStandard Mailing Address Overnight Mailing Address ; Charles Schwab & Co., Inc. El Paso Operation Center P.O. Lululemon Athletica Inc. (LULU $326) reported adjusted Q3 earnings-per-share (EPS) of $2.00, slightly ahead of the $1.97 FactSet estimate, as revenues rose 28.7% year-over-year (y/y) to $1.86 billion, which topped the Street's forecast of $1.81 billion. 9. The investment strategies mentioned may not be suitable for everyone. November retail sales are on deck, as well as industrial production and capacity utilization, initial jobless claims for the week ended December 10, the MBA Mortgage Applications Index for the week ended December 9, and business inventories. This site is designed for U.S. residents. . Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. If you'd like to explore this option, Schwab can help you choose the fixed deferred annuity that best fits your needs. The illustration for the Income Growth Since Inception chart assumes that a client invested $1 million in the strategy on May 31, 2003 (the strategy's inception date). Current published financial strength ratings confirmed as of: June 2, 2021 for Midland NationalLife Insurance Company, July 21, 2021 for New York Life Insurance and Annuity Corporation, June 1, 2021 for Massachusetts Mutual Life Insurance Company, November 1, 2021 for USAA Life Insurance Company and February 28, 2021 for Western-Southern Life Assurance Company. Non-U.S. residents are subject to country-specific restrictions. Past performance does not guarantee future results; the value of investments and the income derived from them can go down as well as up. Each period's estimated annual income shown is the product of that initial $1 million investment times the composite's cumulative total return, net of actual fees, since the inception date times the dividend yield. This site is designed for U.S. residents. Elsewhere, Bloomberg reported that the Chinese government may moderate its position on property policies at its upcoming Central Economic Work Conference (CEWC) slated for next week. Domestic business activity will also be on display, courtesy of preliminary December reads on manufacturing and services from S&P Global, as well as regional manufacturing reports from the New York and Philadelphia regions. She has a range of investment strategy responsibilities, from market and economic analysis to investor education, all focused on the individual investor. Standard & Poors ratings range from AAA to CC. For today, Friday, December 09, 2022, the national average 30-year fixed jumbo mortgage APR is 6.65%, increased to compared to last weeks of 6.50%. WebSelecting Fixed Income Pricing Money Market Funds Home Loans & Rates Strategic Borrowing Credit Cards offers investment services and products, including Schwab brokerage accounts. The policy will receive a new renewal rate each anniversary that is based on the accumulation value. Market value adjustment (MVA) applies to a guaranteed period of more than one year. Usage will be monitored. Diversification strategies do not ensure a profit and do not protect against losses in declining markets. The Schwab Mobile Deposit service is subject to certain eligibility requirements, limitations, and other conditions. Withdrawals prior to age 59 may also be subject to a 10% federal tax penalty. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. 2022Charles Schwab & Co., Inc.All rights reserved.Member SIPC. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC), offers investment services and products, including Schwab brokerage accounts. ThomasPartners Strategies are available through Schwab's Managed Account Connection program ("Connection"). Alternatively, funds may be kept in the annuity to accumulate at the renewal rate until a need for the funds arises. time. Get Automated Investing with Professional Guidance, Stocks Finished Lower Amid Wholesale Price Inflation Report, Looking to the Futures: All eyes on the Fed, CPI. Withdrawals of earnings are subject to current income tax and, if made prior to age 59, may also be subject to a 10% federal income tax penalty. Fixed income investments are subject to various other risks, including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Unauthorized access is prohibited. The information contained herein is obtained from third-party sources and believed to be reliable, but its accuracy or completeness is not guaranteed. Bond yields in the Eurozone and the U.K. advanced. Unauthorized access is prohibited. How do I make my initial deposit to my Schwab Bank Investor Checking account? Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. Unauthorized access is prohibited. The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. WebHome Loans & Rates Strategic Borrowing Credit Cards You can request a prospectus by calling Schwab at transaction-fee mutual funds, futures, fixed-income investments, or trades placed directly on a foreign exchange or in the Canadian market. The Blended Benchmark for the Balanced Income Conservative Strategy is composed of 40% NASDAQ U.S. Broad DAATR and 60% Bloomberg Barclays U.S. Intermediate Government/Credit Bond Index. California for 10-years, the surrender charge schedule is: Surrender charge schedule will always equal the initial interest rate guarantee period. The oil markets remained in focus amid the recent choppiness in crude oil prices that came in the wake of this week's decision by OPEC and its allies, known as OPEC+, to hold its production plans steady, while the G-7 imposed a $60 per barrel price cap on Russian oil. It gives you the security of a fixed guaranteed1interest rate while the interest you earn is tax-deferred2. Eurozoneindustrial production, CPI and the trade balance, along with German CPI, PPI, and the ZEW Economic Sentiment Survey. Automated investing, professional advice, or trade on your own. . For the Interest Opportunity Rider, it is ICC15-R100 in most jurisdictions; in some states it may be 215-R100. Automated investing, professional advice, or trade on your own. ThomasPartners Balanced Income Strategy. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. The Federal Trade Commission (FTC) said it has filed an antitrust lawsuit against Dow member Microsoft Corporation (MSFT $245) in an attempt to block the tech giant's bid to acquire videogame maker Activision Blizzard Inc.(ATVI $75). Please review the contract for additional required minimum distribution details. Investor Checking Account Features, Fees & Rates, Schwab Bank Deposit Account Pricing Guide & Account Agreement, Schwab Bank Visa Platinum Debit Card Benefits Guide, Schwab Bank Visa Platinum Debit Card Agreement, Brokerage Products: Not FDIC Insured No Bank Guarantee May Lose Value. ThomasPartnersStrategies strive to deliver a reliable source of income to help you reach and maintain your retirement goals. Charles Schwab Bank received the highest score in the checking segment of the J.D. Automated investing, professional advice or trade on your own. WebInterest rate The value of a fixed income security could fall as a result of a change in interest rates. You can receive a new contactless card in one of two ways: Consolidating all your accounts at Schwab may help you better manage your finances. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC), offers investment services and products, including Schwab brokerage accounts. There is nothing you will need to do. This site is designed for U.S. residents. The illustration for the Income Growth Since Inception chart assumes that a client invested $1 million in the strategy on March 31, 2003 (the strategy's inception date). WebThe Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and See the income growth and portfolio value performance of our Balanced Income strategies and how each compares with their benchmarks. WebSchwab California Municipal Money Fund : The taxable-equivalent yield assumes a federal regular income tax rate of 40.80%, which includes a Medicare surcharge rate of 3.8%, and California state personal income rate of 13.30%, which includes the 1% surcharge to fund mental health care. Usage will be monitored. All rights reserved, UPDATE 1-Zelenskiy's talks with other leaders signal diplomatic flurry around Ukraine, Why Indonesias Financial Revamp Has Market on Edge: Q&A, Ukraine Latest: Yellen, Biden Affirm Commitment to Aid Ukraine, Yellen Says US to Aid Ukraine for As Long as It Takes, China Property Stress Is Far From Over Despite Gains: In Charts. There are risks associated with any investment approach, and the ThomasPartners Strategies have their own set of risks. Looking for other cash solutions to help you reach your goals? All insurance products are subject to state availability, issue limitations and contractual terms and conditions. 12. State variations may apply. Deposit and lending products and services are offered by Charles Schwab Bank, Member FDIC and an Equal Housing Lender ("Schwab Bank"). This site is designed for U.S. residents. Brokerage Products: Not FDIC Insured No Bank Guarantee May Lose Value. Renew into a new guarantee period (three, four, or five years), if available at the time. More key inflation data is on tap next week, courtesy of the Consumer Price Index (CPI) and the Import Price Index. Meet the experts behind Schwab's investing insights. 1. Treasury yields have moved higher this year amid the tightened monetary policy and Schwab's Chief Fixed Income Strategist Kathy Jones Annual income shown is not representative of any actual account.1, The growth of a $1 million investment chart assumes the client was invested in the ThomasPartners Dividend Growth Strategy Composite beginning March 31, 2003 (the strategy's inception date). Automated investing, professional advice, or trade on your own. For example, if John is 74 years, six months, and one day old, his contract age is 75. Meet the experts behind Schwab's investing insights. If you're looking for safety from market volatility, a fixed deferred annuity could be right for you. Additionally, new sanctions by Europe went into effect on Monday that bans maritime services for the transportation of Russian oil. 3. Usage will be monitored. Schwab's short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Schwab's Mutual Fund OneSource service (and certain other funds with no transaction fees) and held for 90 days or less. Renew into a one-year guarantee period. Treasury yields have moved higher this year amid the tightened monetary policy and Schwab's Chief Fixed Income Strategist Kathy Jones discusses in her Fixed Income Outlook: Bonds Are Back, how we see opportunities in 2023 for the bond market to provide attractive yields at lower risk than we've seen for several years. 2 At Schwab, margin accounts generally receive a maintenance call when equity falls below the minimum "house" maintenance requirement. 19. 7. You can also call 800-540-6718 any time for assistance. 1. With a Roth IRA, contributions are not tax-deductible, but earnings can grow tax-free, and qualified withdrawals are tax- and penalty-free. These reports will lead up to the Federal Open Market Committees (FOMC) long-awaited monetary policy decision that will be released on Wednesday. Roth IRA withdrawal and penalty rules vary depending on your age and how long you've had the account and other factors. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. Standard hold policies apply. The illustration for the Income Growth Since Inception chart assumes that a client invested $1 million in the strategy on March 31, 2003 (the strategy's inception date). . Nursing Home and Hospital waiver is not currently available in California. You should speak with a tax advisor. Annual income shown is not representative of any actual account.3, The growth of a $1 million investment chart assumes that the client was invested in the ThomasPartners Balanced Income Conservative Strategy Composite beginning May 31, 2003 (the strategy's inception date). Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Treasury rates are gaining ground, as the yields on the 2-year and 10-year notes are up 7 basis points (bps) to 4.32% and 3.48%, respectively, and the 30-year bond rate is increasing 3 bps to 3.45%. Member SIPC. An increase in the external index value may result in less opportunity for a positive Market Value Adjustment in future contract years. The athletic apparel maker said that while it delivered another quarter of strong results, it continues to see a dynamic operating environment. 15. You can follow Kathy on Twitter: @KathyJones. Charles Schwab & Co., Inc.All rights reserved. The core rateexcludes food and energywas 0.4% higher m/m, higher than estimates of a 0.2% gain, and versus the prior month's upwardly adjusted 0.1% gain. These charts should not be used as the sole basis in forming any investment decisions. 3. The combined rate of 54.10% takes into account The ThomasPartners portfolio management team focuses on three objectives: monthly income, income growth, and competitive total returns over time. 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