We strive to keep our hand-traded accounts as fully invested as possible. After communicating your withdrawal needs to us, we make trades to ensure there is sufficient cash to meet those withdrawals. If you have surplus funds from deposits or dividends, we make trades to ensure the extra cash is invested according to your asset allocation.

This cash flow management service means that your monthly RMD, the direct deposit of your automated savings, your quarterly estimated tax payments, and other expected cash flows can rely on our trading to ensure that the right balances are either ready for withdrawal or invested in the markets.

By default, we strive to keep 6-months of planned or regular withdrawals in cash. Anytime you need to withdraw funds beyond those planned withdrawals, a simple email to our team means that we can both generate more cash and make sure our trading does not interfere with your transfers.

What Is A Mutual Fund Share Class Exchange?
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Share class exchanges can create small savings for investors who have found themselves invested in the wrong share class. However, it is better to buy the lower cost funds in the first place.

How to Implement The Automatic Millionaire Technique at Schwab
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By decoupling your standard of living from the size of your income, you have taken the first step toward financial freedom.

How to Move Cash Between Your Schwab Accounts
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Charles Schwab provides many convenient features for managing your accounts online. One of those features allows you to move cash between your Schwab accounts with just a few clicks.

Q&A: Where to Stash Extra Savings?
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“After all this savings, I have about $3,000 per month left to save somewhere. Where should I save it?”

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