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Charles Schwab is one of America’s foremost providers of investment accounts.

But opening one of those accounts isn’t a prerequisite for having Schwab help you out with your retirement. That’s because you can still own any number of Schwab’s retirement funds in an individual retirement account (IRA) as long as your IRA provider offers Schwab funds … which most do. 

Schwab offers some of the largest and most cost-efficient retirement funds in the game, across both actively managed and indexed mutual funds alike. And IRAs and other tax-advantaged accounts are the perfect place to stash these funds, as you can benefit from their sound strategies while negating the tax consequences you’d face if you owned these funds in a taxable brokerage account.

Let me introduce you to a handful of these Schwab mutual funds—each of which is inexpensive, effective, and sport long-term investing objectives. These funds also make sense for many tax-advantaged plans, so you can also consider holding them not just in IRAs, but also HSAs or (when available) 401(k)s.

 

Disclaimer: This article does not constitute individualized investment advice. These securities appear for your consideration and not as personalized investment recommendations. Act at your own discretion.

What Should You Want in a Retirement Fund?


Once you’re ready to invest your retirement savings and put that money to work in mutual funds, you’ll want to consider these critical factors:

To start, a robust retirement portfolio should provide diversification across various asset classes. This typically means stocks and bonds, though it can also mean alternative asset classes such as real estate or commodities. Diversifying your retirement portfolio across these asset classes can help defray your risk and smooth your returns.

Costs matter too. Every dollar spent on fees and expenses is a dollar no longer available to grow and compound over time, so keeping expenses cut to the bone is vital. Good news there: The best Schwab retirement funds will generally have some of the lowest fees and expenses in the business.

And don’t forget taxes. A taxable account, like a standard brokerage account, is better suited to take advantage of certain tax-advantaged investments, such as municipal bonds. For tax-advantaged accounts, such as IRAs, some of the best investments include bond funds and actively managed stock funds. (I’ll explain why when we get to those funds.)

Finally, you ideally want your retirement portfolio to produce regular interest and dividend income. Stocks can regularly experience nasty corrections and bear markets, but a good income fund can provide for your living expenses without forcing you to sell at an inopportune time.

Related: 9 Best Schwab Funds You Can Buy: Low Fees, Low Minimums

What Types of Funds Are Available in IRAs?


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You can think of an IRA as a tax-advantaged brokerage account, insofar as they’re typically self-directed and extremely flexible. In most IRAs, you can own just about any type of fund—mutual funds, exchange-traded funds (ETFs), and even closed-end funds (CEFs).

ETFs typically beat both mutual funds and CEFs on fees, sometimes by a considerable margin. But there are a few reasons to consider Schwab mutual funds in an IRA.

They’re cheap, for one. Schwab mutual funds typically offer very low fees—in many cases lower than even many ETFs with a similar strategy.

Also, some of Schwab’s mutual funds are actively managed, which as I mentioned above is more efficiently held within an IRA. And you very well might prefer to have a human manager overseeing certain strategies rather than buy a fund that simply follows an index.

Lastly, some Schwab mutual funds have more significant tax consequences than others. Some produce a significant amount of interest income, while others trade heavily and, as a result, make short-term capital gains distributions—both of which are taxed at ordinary income rates. But owning these funds in a tax-deferred account such as an IRA allows you to kick the tax can down the road—preferably until retirement, when your tax rates might be lower. 

Related: 7 Best Schwab Index Funds for Thrifty Investors

What Is a Mutual Fund?


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A mutual fund is an investment company that pools money from many investors to buy stocks, bonds or other securities. The investors get the benefits of professional management and certain economies of scale. A pool of potentially millions or even billions of dollars is large enough to diversify and might have access to investments that would be impractical for an individual investor to own.

Here’s an example: An investor wanting to mimic the S&P 500 Index (an index made up of 500 large, U.S.-listed companies) would generally have a hard time buying and managing a portfolio of 500 individual stocks, especially in the exact proportions of the S&P 500 Index. Another example: An investor wanting a diversified bond portfolio might have a hard time building one when individual bond issues can have minimum purchase sizes of thousands (or tens of thousands!) of dollars.

Equity funds or bond funds will generally be a far more practical solution.

To invest in a mutual fund, you’ll need to open an account with the fund sponsor or open an investment account with a broker that has a selling agreement in place with the fund sponsor. As a general rule, most large, popular mutual funds will be available at most brokers, so if you open any traditional investment account (like a brokerage or IRA), you’ll have access to most of the mutual funds you’d ever want to invest in.

Do you want to get serious about saving and planning for retirement? Sign up for Retire With Riley, Young and the Invested’s free retirement planning newsletter.

Why Schwab?


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Charles Schwab is a U.S.-based brokerage and banking company founded in 1971 as a traditional brokerage company and then as a discount brokerage service in 1974. It is headquartered in San Francisco, California, and operates primarily throughout the United States, but also has international operations.

The firm is the largest publicly traded investment services firm with more than $10 trillion in client assets. Schwab offers a wide range of financial services, such as investment advice and management, trading services, financial planning, banking services, workplace and individual retirement plans, annuities, and more.

On the product side, Schwab features more than 100 different funds boasting more than $1 trillion in assets under management. Schwab offers actively managed funds run by seasoned teams, but it’s also one of the largest providers of indexed mutual funds. Moreover, Schwab’s products feature no load or transaction fees, and below-industry-average annual expenses. 

In short: Schwab’s best mutual funds for retirement are generally going to be among your top options period, and they generally won’t make a dent in your wallet.

Related: The 15 Best ETFs to Buy for a Prosperous 2025

The Best Schwab Retirement Funds for an IRA in 2025


I’ve listed these Schwab retirement funds by their overall Morningstar Portfolio Risk Score. Here are the risk levels each score range represents:

  • 0-23: Conservative
  • 24-47: Moderate
  • 48-78: Aggressive
  • 79-99: Very aggressive
  • 100+: Extreme

These scores are a general gauge of risk compared to all other investments. For example, a bond fund with a score of 20 might be considered a conservative strategy overall, but it could simultaneously be riskier than a number of other bond funds.

With all that out of the way, let’s dig into some of the best Schwab retirement funds you can consider holding in an IRA.

Related: 7 Best Schwab Index Funds for Thrifty Investors

1. Schwab Short-Term Bond Index Fund


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  • Style: U.S. short-term bond
  • Management: Index
  • Assets under management: $1.5 billion
  • SEC yield: 4.5%*
  • Expense ratio: 0.06%, or 60¢ per year for every $1,000 invested
  • Morningstar Portfolio Risk Score: 8 (Conservative)

Bonds should be a core holding of just about any portfolio. They also happen to be one of the most tax-inefficient asset classes on earth because the bulk of their returns will generally come from interest paid, and interest income is taxed as ordinary income. If you’re in the 37% tax bracket, then you’re losing 37% of your bond interest to taxes.

For this reason, it will virtually always make sense to hold bonds and bond funds in an IRA, a 401(k), an HSA, or any other tax-deferred account.

The yield curve is no longer inverted (inversion is when short-term rates are higher than long-term rates); however, short-term bonds still offer relatively high yields for relatively low risk. Thus, it makes sense to keep a decent chunk of your overall bond exposure in short-term bond funds.

One solid short-term bond option is the Schwab Short-Term Bond Index Fund (SWSBX). Nearly 70% of the portfolio is invested in U.S. government securities, a quarter is in high-quality corporate short-term bonds, and the remaining sliver is in foreign government bonds.

One of the most critical metrics to consider when considering bond funds is duration, which is a measure of interest-rate sensitivity. As an example, a bond with a duration of 2 years would see its price rise by 2% if interest rates fell by 1% (or conversely, would see its price fall by 2% if interest rates rose by 1%). The actual calculation of duration is fairly complex; it’s the weighted average of the bond’s cash flows. But the key takeaway is that, all else equal, the longer a bond’s time to maturity, the higher its duration—and thus the higher the interest-rate risk. SWSBX has a duration of just 2.6 years, meaning its risk associated with rising interest rates is minimal.

If you’re looking for a low-stress addition to your IRA, SWSBX fits the bill.

* SEC yield reflects the interest earned across the most recent 30-day period. This is a standard measure for funds holding bonds and preferred stocks.

Want to learn more about SWSBX? Check out the Schwab provider site.

Related: The 10 Best Vanguard Index Funds You Can Buy

2. Schwab U.S. Aggregate Bond Index Fund


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  • Style: U.S. intermediate-term bond
  • Management: Index
  • Assets under management: $5.3 billion
  • SEC yield: 4.5%
  • Expense ratio: 0.04%, or 40¢ per year for every $1,000 invested
  • Morningstar Portfolio Risk Score: 20 (Conservative)

For a more diversified option that covers a wider swath of the bond market, consider the Schwab U.S. Aggregate Bond Index Fund (SWAGX).

The fund holds a whopping 10,500 debt issues. At the moment, 44% of the portfolio is in U.S. government bonds, another 25% is in mortgage-backed securities (MBSes), and 24% is in corporate bonds. The rest is peppered around other government-related bonds, municipal bonds, and other debt.

SWAGX is diversified across the yield curve, with maturities ranging from less than a year to over 20 years. Overall, the fund has a duration of 6.1 years. So, the fund has moderate interest-rate risk. A rise in interest rates of 1% would mean a price decline of about 6%. But remember: This cuts both ways—a fall in interest rates could mean significant capital gains.

Like with SWSBX, SWAGX’s interest income is best collected in tax-advantaged accounts such as IRAs.

Want to learn more about SWAGX? Check out the Schwab provider site.

 

Related: 9 Best Fidelity Index Funds to Buy

3. Schwab Balanced Fund


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  • Style: Moderate allocation
  • Management: Active
  • Assets under management: $712.8 million
  • Dividend yield: 2.2%
  • Expense ratio: 0.50%, or $5.00 per year for every $1,000 invested
  • Morningstar Portfolio Risk Score: 41 (Moderate)

Schwab Balanced Fund (SWOBX) and other funds like it go by many names: “Balanced funds.” “Allocation funds.” “Portfolios-in-a-can.” Regardless of the moniker, what they do is all the same—they hold both stocks and bonds, giving you access to a pair of core assets in a single investment.

SWOBX specifically is a moderate allocation fund—one that currently holds a roughly 60/40 split between stocks and bonds/cash.

Managers Zifan Tang, Patrick Kwok, and Drew Hayes achieve their blends not with individual stocks and bonds, but with a small collection of Schwab funds. At the moment, roughly half of assets are invested in U.S. equities, another 10% are in international equities, Meanwhile, virtually all of its bond holdings come from SWAGX, meaning you’re getting exposure to U.S. government bonds, investment-grade corporate debt, MBSes, and SWAGX’s other holdings.

Allocation funds like Schwab Balanced are an ultra-simple way to get stock and bond coverage in the click of a button. Indeed, if you wanted, SWOBX could act as your entire portfolio—but only if its stock/bond allocations make sense for achieving your financial goals. SWOBX alone might be too conservative for most investors, and instead makes sense as part of a more broadly diversified holdings set.

Also, turnover (how much the fund tends to buy and sell holdings) is low at under 10%, so capital-gains distributions aren’t much of a worry here. However, SWOBX does generate a decent amount of interest income from its bond portfolio, so an IRA or other tax-advantaged account would still make a fitting home.

Want to learn more about SWOBX? Check out the Schwab provider site.

Related: Best Schwab Retirement Funds for a 401(k)

4. Schwab Target-Date Funds


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  • Style: Target-date
  • Management: Active
  • Expense ratio: Schwab Target Funds: 0.26%-0.59%, or $2.60-$5.90 per year for every $1,000 invested; Schwab Target Index Funds: 0.08%, or 80¢ per year for every $1,000 invested
  • Morningstar Portfolio Risk Score: 25-66 (Moderate-Aggressive)

One of the challenges in retirement planning is getting the asset allocation right, or having an asset class mix that is appropriate for an investor at your age and stage of life. An ideal portfolio for a 20-year-old is likely going to be very different from that of a 40-year-old, and both those portfolios will be different from what’s ideal for a 60-year-old.

That’s where target-date funds can really add value.

Target-date funds—also called life-cycle funds—are a type of mutual fund that are designed to change their asset allocation over time. Target-date funds start out invested heavily in stocks, then slowly reduce their stock exposure and replace it with bond exposure as they approach their target retirement date, following a glide path.

The target retirement dates are intended to be estimates; they don’t have to be super precise. Generally, most mutual fund families will create target-date funds in five-year increments (say, 2025, 2030, 2035, etc.).

Given the hyper-specific focus on retirement, target-date funds tend to be a mainstay of 401(k) plans. But they’re also at home in other retirement accounts, such as IRAs.

Schwab offers two target-date fund series, both of which hold various funds to provide exposure to U.S. and international stocks and bonds:

  • Schwab Target Funds: These hold a collection of actively managed and index funds. While most of Schwab Target Funds’ holdings are other Schwab mutual funds, they will also hold funds from outside providers, including Dodge & Cox and Baird.
  • Schwab Target Index Funds: These primarily hold Schwab ETFs.

In general, both of Schwab’s target-date fund series are economical, but the Schwab Target Index Funds are flat-out cheap, at just 0.08% in annual expenses. And at least as far as Morningstar Medalist ratings go, the Target Index series is considered the better of the two, earning a Bronze rating.

Also worth noting is that Schwab Target Index Funds, despite the name, do have human managers: currently, they are Zifan Tang, Patrick Kwok and Drew Hayes.

Want to learn more about Schwab’s target-date funds? Check out the Schwab provider site.

Related: Best Vanguard Retirement Funds to Hold in an IRA

5. Schwab Global Real Estate Fund


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  • Style: Global real estate
  • Management: Active
  • Assets under management: $288.1 million
  • Dividend yield: 3.3%
  • Expense ratio: 0.71%, or $7.10 per year for every $1,000 invested
  • Morningstar Portfolio Risk Score: 74 (Aggressive)

Real estate has been a preferred asset class since the dawn of human civilization. And today, real estate investment trusts (REITs) offer the potential for both high yield and respectable capital gains.

REITs enjoy a special tax status that allows them to avoid corporate taxation so long as they distribute at least 90% of their net profits as dividends. Because of this tax incentive, REITs tend to be one of the highest-yielding sectors and a perennial favorite among income investors.

The problem? A large percentage of the total return comes from taxable dividends, which makes REITs very tax-inefficient. What’s more, REIT dividends are generally not classified as “qualified dividends.” Qualified dividends are taxed at the long-term capital gains rate (0%, 15% or 20% depending on your tax bracket). Non-qualified dividends are taxed as ordinary income, like bond interest, and can face rates as high as 37%, depending on your bracket. Thus, it makes more sense to hold REITs and REIT funds in a tax-advantaged fund such as an IRA rather than a taxable brokerage account.

Schwab investors looking for real estate exposure could consider the Schwab Global Real Estate Fund (SWASX). The fund is a diversified REIT fund with a global presence. Approximately 60% of the fund is invested in American REITs, with the rest scattered across Europe, Asia, Australia, and Canada. The portfolio has minimal exposure to the office sector, which has been affected by work-from-home policies, and is most heavily allocated to diversified, retail, and industrial properties.

This is a growth-focused real estate fund that focuses on total return, including both capital gains and income. But its 3.3% current yield is mighty competitive in a world in which the S&P 500 yields only 1.2%.

Another reason to consider SWASX for your 401(k)? Turnover, which is when a fund trades its holdings. This trading can sometimes generate capital gains, which are can be passed on to you, at which point you would be responsible for capital gains taxes. And active trading strategies can be very tax-inefficient if they pass along a lot of short-term capital gains, which are taxed as ordinary income at rates up to 37%.

There is no precise, universally accepted threshold for what constitutes “a lot” of active trading, but I would consider any fund with portfolio turnover over 30% or so to be fairly tax-inefficient. The higher that number goes, the more inefficient the fund. Schwab Global Real Estate has annual turnover of about 85%, which means it could distribute a lot of short-term capital gains. Fortunately, you can avoid those immediate tax consequences in a tax-deferred account like an IRA.

Want to learn more about SWASX? Check out the Schwab provider site.

Do you want to get serious about saving and planning for retirement? Sign up for Retire With Riley, Young and the Invested’s free retirement planning newsletter.

6. Schwab Select Large Cap Growth Fund


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  • Style: U.S. large-cap growth stock
  • Management: Active
  • Assets under management: $2.3 billion
  • Dividend yield: N/A
  • Expense ratio: 0.74%, or $7.40 per year for every $1,000 invested
  • Morningstar Portfolio Risk Score: 75 (Aggressive)

An old Wall Street maxim says “you never go broke taking a profit.” 

There is a lot of wisdom in that quote. As a general rule, buying and holding good stocks or good funds and allowing them to compound over years or even decades is the way to go. But having at least part of your portfolio in actively traded strategies can also make sense, particularly in bear markets. Actively traded strategies have their stretches when they outperform passive index strategies, and they can potentially help you to avoid major declines.

As an example, let’s look at the Schwab Select Large Cap Growth Fund (LGILX), which is sub-advised by American Century Investment Management and JP Morgan Investment Management. Being a growth fund, LGILX is extremely heavy in technology stocks; it includes Nvidia (NVDA), Apple (AAPL), Microsoft (MSFT), and most of the rest of the large-cap growth stocks you would expect to see.

Smart management has resulted in outperformance of LGILX’s category average across most meaningful time frames. However, this high performance comes at the cost of a lot of active trading; the annual portfolio turnover is about 63%. In a taxable account, that’s a large potential tax liability.

So, LGILX is exactly the kind of actively managed fund best held in a retirement account like an IRA. The tax deferral neutralizes the negative impacts of active trading, allowing us to enjoy the full benefits of the trading gains.

Want to learn more about LGILX? Check out the Schwab provider site.

7. Schwab Small-Cap Equity Fund


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  • Style: U.S. small-cap stock
  • Management: Active
  • Assets under management: $634.7 million
  • Dividend yield: 0.2%
  • Expense ratio: 1.09%, or $10.90 per year for every $1,000 invested
  • Morningstar Portfolio Risk Score: 83 (Very Aggressive)

As I mentioned before, actively managed funds will almost always have significantly higher turnover than passive index funds, meaning they potentially create more taxable capital gains. 

This phenomenon can be especially pronounced in the world of small-cap equities. Because smaller companies are often younger companies, the small-cap space tends to move quickly. Successful companies “graduate” to mid- or even large-cap status, and those that are unsuccessful often disappear altogether. This often results in a lot of holdings changes.

In other words: If actively managed funds in general are best held in a tax-deferred account, this is even truer for actively managed small-cap funds.

Case in point, check out Schwab Small Cap Equity Fund (SWSCX), managed by Wei Li, Iain Clayton, and Holly Emerson. Their 370-stock portfolio has a turnover of 106%, effectively meaning that each year, on average, the entire portfolio turns over (and then a little more on top).

Small-cap stocks have lagged their large-cap peers in recent years, as the market has been dominated by the “Magnificent Seven” mega-cap stocks. Still, SWSCX has managed to return an annualized 9.9% since inception, and that’s not too shabby. Also, while the strategy itself is pretty aggressive compared to other strategies, among small-cap blend funds, it actually presents pretty average-level risk.

Want to learn more about SWSCX? Check out the Schwab provider site.

Related: 7 Best Vanguard Dividend Funds [Low-Cost Income]

Schwab Retirement Funds for IRAs: Frequently Asked Questions (FAQs)


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What is the minimum investment amount on Schwab mutual funds?

Schwab is one of the most friendly fund companies for beginners. That’s not just because both its mutual funds and ETFs sport below-industry-average expense ratios, but because you don’t need much money to invest in them in the first place. Most Schwab mutual funds have the barest of investment bare minimums—you can literally start with as little as $1.

That’s extremely beneficial in self-directed accounts like an IRA. Many mutual funds from other providers require high minimums in the thousands of dollars, hamstringing investors with little capital to work with.

Related: Best Fidelity Retirement Funds to Hold in an IRA

What are index funds?

There are two kinds of funds: actively managed funds and index funds.

With an actively managed fund, one or more managers are in charge of selecting all of the fund’s holdings. They’ll likely have a specific strategy to adhere to, and they’ll be tasked with beating a benchmark index, but they’ll be given a lot of discretion about how to achieve that. These managers will identify opportunities, conduct research, and ultimately buy and sell a fund’s stocks, bonds, commodities, and so on.

An index fund, on the other hand, is effectively run by algorithm. The fund will attempt to track an index, which is just a group of assets that are selected by a series of rules. The S&P 500 and Dow Jones Industrial Average? Those are indexes with their own selection rules. Index funds that track these indexes will generally hold the same stocks, in the same proportions, giving you equal exposure and performance (minus fees) to those indexes.

If you guessed that it’s more expensive to pay a conference room full of fund managers than it is a computer that tracks an index, you’d be right. That’s why actively managed funds tend to cost much more in fees than index funds.

And that’s why ETFs are generally cheaper. Most (but not all) mutual funds are actively managed, while most (but not all) ETFs are index funds.

Related: 13 Dividend Kings for Royally Resilient Income

What is an exchange-traded fund?

Exchange-traded funds (ETFs) are actually very similar to mutual funds but feature a handful of significant differences that may make them superior in certain situations.

Like traditional index mutual funds, an ETF will hold a basket of stocks, bonds and other securities. These can be broad and benchmarked to a major index like the S&P 500, or they can be exceptionally narrow and focus on a specific sector or even a specific trading strategy. For the most part, anything that can be held in an exchange-traded fund can also be held in a mutual fund.

However, unlike mutual funds, ETFs trade on major exchanges—such as the New York Stock Exchange or Nasdaq—like a stock. If you want to buy shares, you don’t send the manager money; you just buy shares from another investor on the open market.

The need to buy shares can be problematic when dollar-cost averaging. As an example, let’s say you have exactly $100 to invest, but the shares of the ETF trade for $65. You can only buy one share, and you’re stuck with $35 in cash uninvested.

But ETFs have their own advantages. For one, they have intraday liquidity—that is, if you want to buy or sell in the middle of the trading day (or multiple times throughout the trading day), you can.

The second advantage is tax efficiency. In a traditional mutual fund, redemptions by investors can generate selling by the manager that creates taxable capital gains for the remaining investors who didn’t sell. This doesn’t happen with ETFs, as the manager isn’t forced to buy or sell anything when an investor sells their shares.

Like we said, many investors use “ETF” and “index fund” interchangeably. That’s because most exchange-traded funds are index funds—but not all. Some are actively managed.

As is the case with Schwab mutual index funds, Schwab ETFs—most of which are indexed—tend to have some of the lowest costs in the business in terms of fees and expenses.

Related: Best Vanguard Retirement Funds for a 401(k) Plan

Why does a fund’s expense ratio matter so much?

Every dollar you pay in expenses is a dollar that comes directly out of your returns. So, it is absolutely in your best interests to keep your expense ratios to an absolute minimum.

The expense ratio is the percentage of your investment lost each year to management fees, trading expenses and other fund expenses. Because index funds are passively managed and don’t have large staffs of portfolio managers and analysts to pay, they tend to have some of the lowest expense ratios of all mutual funds.

This matters because every dollar not lost to expenses is a dollar that is available to grow and compound. And over an investing lifetime, even a half a percent can have a huge impact. If you invest just $1,000 in a fund generating 5% per year after fees, over a 30-year horizon, it will grow to $4,116. However, if you invested $1,000 in the same fund, but it had an additional 50 basis points in fees (so it only generated 4.5% per year in returns), it would grow to only $3,584 over the same period.

 

Kyle Woodley is the Editor-in-Chief of Young and the Invested. His 20-year journalistic career has included more than a decade in financial media, where he previously has served as the Senior Investing Editor of Kiplinger.com and the Managing Editor of InvestorPlace.com.

Kyle Woodley oversees Young and the Invested’s investing coverage, including stocks, bonds, exchange-traded funds (ETFs), mutual funds, real estate, alternatives, and other investments. He also writes the weekly Weekend Tea newsletter.

Kyle spent five years as the Senior Investing Editor at Kiplinger, and six years at InvestorPlace.com, including two as Managing Editor. His work has appeared in several outlets, including Yahoo! Finance, MSN Money, the Nasdaq, Barchart, The Globe and Mail, and U.S. News & World Report. He also has made guest appearances on Fox Business and Money Radio, among other shows and podcasts, and he has been quoted in several outlets, including MarketWatch, Vice, and Univision.

He is a proud graduate of The Ohio State University, where he earned a BA in journalism … but he doesn’t necessarily care whether you use the “The.”

Check out what he thinks about the stock market, sports, and everything else at @KyleWoodley.