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.


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?”

In Which Investment Vehicle Should I Stage My Spending Money?
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Your asset allocation matters to maintaining a balance in retirement of having money for the next 5 to 7 years and keeping up with inflation for time periods of 8 years or longer.

The Complete Guide to Automating Your Savings
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After automating your entire investment plan, you can save and invest without even having to watch.

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