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Schwab e.Bulletin -- December 2000 ---------------------------------------------------------------- In this issue: 1. Daily Market Recap 2. November Market Summary 3. How to Withdraw Retirement Funds 4. Making Sense of Analyst Recommendations 5. The Role of Investor Relations 6. Great Earnings -- or Are They? 7. Schwab's New Website for Women Investors 8. Lower Commissions on Automated Phone Trades! 9. Think Bond Funds Aren't for You? Think Again! 10. New Annuity Info on Schwab.com 11. Now Available -- Mutual Fund Select List(TM): Sector Funds **************************************************************** Looking for Smart Tax Strategies? Enroll in our online Tax Smart Investing course. Topics Covered: * Tax smart tips for buying, selling or holding * How to calculate after tax profit or loss * Common tax myths * And more! Check out this free course and others at the Schwab Learning Center(TM). Go to: http://schwab.ed4.net/go/t1/eb_dec/ss/learningcenter/ **************************************************************** **************************************************************** Introducing Janus 2! Be Among the first to invest. Click here for details on this new fund offer. Go to: http://schwab.ed4.net/go/t2/eb_dec/ss/janus2/ **************************************************************** **************************************************************** "Request a Transfer of Money between Schwab and other financial institutions with Schwab MoneyLink(R)" Go to: http://schwab.ed4.net/go/t3/eb_dec/ss/moneylink/ **************************************************************** **************************************************************** "Change your mailing address" Go to: http://schwab.ed4.net/go/t4/eb_dec/ss/change/ **************************************************************** ---------------------------------------------------------------- 1. Daily Market Recap ---------------------------------------------------------------- Read about what happened in the market today in the Daily Market Recap. Go to: http://schwab.ed4.net/go/t5/eb_dec/ss/recap/ ---------------------------------------------------------------- 2. November Market Summary ---------------------------------------------------------------- Read about what happened in the market last month in the November Market Summary. Go to: http://schwab.ed4.net/go/t6/eb_dec/ss/summary/ ---------------------------------------------------------------- 3. How to Withdraw Retirement Funds ---------------------------------------------------------------- Congratulations -- you've retired with an investment portfolio that you've grown diligently. Now, how do you get the money out? What's the right balance of taxable and non-taxed assets to draw upon each year? This article lays out the key issues and suggests a "mix-and-match" strategy for tapping into retirement assets. Go to: http://schwab.ed4.net/go/t7/eb_dec/ss/withdraw/ ---------------------------------------------------------------- 4. Making Sense of Analyst Recommendations ---------------------------------------------------------------- What do Wall Street analysts really mean when they rate a stock as buy, accumulate, hold and neutral? Our columnist explains how to maintain perspective when you hear an analyst's assessment of a stock you own or are researching. Go to: http://schwab.ed4.net/go/t8/eb_dec/ss/assessment/ ---------------------------------------------------------------- 5. The Role of Investor Relations ---------------------------------------------------------------- Publicly traded companies usually communicate with the investment world through a function known as Investor Relations, or IR. A company's IR department or outside agency can be a valuable resource for an individual investor. This column presents the IR basics, such as how IR professionals disclose "material" news and information and deal with the media. Go to: http://schwab.ed4.net/go/t9/eb_dec/ss/IR/ ---------------------------------------------------------------- 6. Great Earnings -- or Are They? ---------------------------------------------------------------- Investors are taught to look closely at a company's earnings. But what are earnings? The answer depends on what definition you apply. This column clarifies the differences between net income, operating earnings, and earnings before excluding certain items. It also explains why a company's earnings are not the same thing as its cash flow. Go to: http://schwab.ed4.net/go/t10/eb_dec/ss/earnings/ ---------------------------------------------------------------- 7. Schwab's New Website for Women Investors ---------------------------------------------------------------- At Schwab we understand that women have special investing needs. That's why we've designed the Women Investing Now web site. It's a place where you can share investing stories, hear what investing professionals have to say and join a growing community of women investors. The website has several sections: * "Talk/Share/Learn" enables women to learn from investing professionals and other Schwab customers. * "Dates to Remember" lists investing workshops and online community events. * The "Life Events Series" provides action plans to help deal with life events such as retirement, job changes, divorce and loss of a spouse. Visit the Women Investing Now website today! Go to: http://schwab.ed4.net/go/t11/eb_dec/ss/women/ ---------------------------------------------------------------- 8. Lower Commissions on Automated Phone Trades! ---------------------------------------------------------------- Good news! Qualifying equity trade orders placed via Schwab's automated phone channels -- TeleBroker(R) (touch-tone) and Schwab by Phone(TM) (speech recognition) -- are now just $29.95* per trade up to 1,000 shares. For trades over 1,000 shares, commissions are just $0.03 per share. We recently added new speech recognition functionality to Schwab by Phone, so it's easier than ever to use for quotes, trading, account services and more! To place a trade order on Schwab by Phone, dial 1-800-435-8804, press 2 for Trades, key in your account number and PIN, and say "trade." To place a trade order on TeleBroker, dial 1-800-272-4922. * The $29.95 price cannot be combined with any other offer. ---------------------------------------------------------------- 9. Think Bond Funds Aren't for You? Think Again! ---------------------------------------------------------------- Bond funds typically provide relative stability, reliable income and diversification. Plus, for the first time since 1990, bonds are actually outperforming stocks so far this year.* To learn more about SchwabFunds' full range of bond funds go to: http://schwab.ed4.net/go/t12/eb_dec/ss/bondfunds/ Prospectuses containing more complete information including management fees, charges and expenses are available from Schwab. Please read the prospectus carefully before investing. *Source: Charles Schwab & Co., Inc. Through 9/30/00, stocks as measured by the S&P 500(R) Index are down 1.39%; taxable bonds, as measured by the Lehman Brothers Aggregate Bond Index, are up 7.12% and municipal bonds, as measured by the Lehman Brothers General Muni Bond Index, are up 7.01%. Past performance is no guarantee of future results. Indices are unmanaged and their returns assume reinvested dividends. Unlike fund returns, indices do not reflect any fee or expense deductions and cannot be invested in directly. ---------------------------------------------------------------- 10. New Annuity Info on Schwab.com ---------------------------------------------------------------- In response to customers' interest in annuities, Charles Schwab Insurance Services is launching a new educational site. At www.schwab.com/annuities (under the "Investments" tab), you can find information and tools to help you decide if an annuity is right for you. The site has sections on the advantages of tax-deferred investing, a comparison of variable annuities with other types of retirement plans, and details on the low cost, flexible Schwab Select Annuity(TM). If you already own an annuity, the site can help you determine whether it makes sense to transfer your annuity assets to Schwab. In addition, if you own a Schwab Select Annuity, you can access your annuity account information at this site and manage your annuity assets online. DISCLOSURE: Variable annuity contracts (J434) are issued by Great-West Life & Annuity Insurance Company (in New York State, by First Great-West Life & Annuity Insurance Company) and distributed by Charles Schwab & Co., Inc. For a prospectus containing more complete information including management fees, charges and expenses, please call Charles Schwab Insurance Services at 1-800-838-0650. (New York residents call 1-800-838-0649) Please read the prospectus carefully before you invest or send money. ---------------------------------------------------------------- 11. Now Available -- Mutual Fund Select List(TM): Sector Funds ---------------------------------------------------------------- We're pleased to introduce the Sector Select List, a complement to our popular Mutual Fund Select List. The funds in the Sector Select List are arranged according to market sector, and have been carefully chosen by Schwab's Center for Investment Research(R) based upon total return, expenses and risk. Used together, the Mutual Fund Select List and the Sector Select List can help you build a diversified portfolio. If you've already established a core foundation of broadly diversified investments, you can use the Sector Select List to explore areas of the market that may provide greater growth potential. A mutual funds prospectus contains complete information, including fees and expenses. To obtain one for any fund available through Schwab, call 1-800-435-4000 or visit schwab.com. Always read the prospectus carefully before investing. The Schwab Center for Investment Research is a division of Charles Schwab & Co., Inc. Go to: http://schwab.ed4.net/go/t13/eb_dec/ss/lists/ ---------------------------------------------------------------- To change your email address ---------------------------------------------------------------- Log on to the page that will allow you to update your email address securely. For your protection, we are unable to accept instructions to change your email address sent in reply to this message. Go to: http://schwab.ed4.net/go/t14/eb_dec/ss/email/ ---------------------------------------------------------------- To unsubscribe, ask account service questions, or provide feedback ---------------------------------------------------------------- The Schwab e.Bulletin is brought to you as a complimentary service for our clients. If you would prefer not to receive this in the future: 1. Click on this link. http://schwab.ed4.net/go/t15/eb_dec/ss/unsub/ 2. Log on to your account. 3. Under "My Alerts," check the box next to e.Bulletin and then click "submit." For account service questions, please send a secure email by logging on to your account. Go to: http://schwab.ed4.net/go/t16/eb_dec/ss/questions/ To provide feedback about Schwab's e.Bulletin, please send all feedback directly to online.editor@schwab.com We appreciate your comments! ---------------------------------------------------------------- The Schwab e.Bulletin mailing list is managed and used exclusively by Charles Schwab & Co., Inc. Schwab does not sell or rent information about its customers to any third party. Notice: All email sent to or from the Charles Schwab corporate email system may be retained, monitored, and/or reviewed by Schwab personnel. ©2000 Charles Schwab & Co., Inc. All rights reserved. Member SIPC/NYSE (1200-10702).
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