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Schwab e.Bulletin -- January 2001 **************************************************************** In this issue: 1. Daily Market Recap 2. 2000 Market Summary 3. Does Higher Risk Always Mean Higher Reward? 4. Pre-IPO Private Placements 5. Fund's Got a New Manager -- Should You Stay? 6. The Stock Market: Two Markets in One 7. Cookies Demystified 8. 529 College Savings Plan 9. The Schwab 1000 Fund(R). -- Smart About Growth. Careful About Taxes(TM). 10. Apply for an IRA Online 11. A Smart Time to Refinance? 12. Schwab Learning Center Announces New Courses on Taxes and Stock Investing 13. Update: The Big Switch to Decimal Quotes 14. Wireless Technologies Video Webcast 15. Argus Roundtable 16. Advice for Fifty Plus: Charles Schwab's New Book 17. The Proactive Investor's Calendar **************************************************************** Transfer funds between your Schwab accounts and your accounts at other financial institutions. Go to http://schwab.ed4.net/go/t1/eb_jan/sig/transfer/ **************************************************************** **************************************************************** Need to make a withdrawal? Request a check online. Go to http://schwab.ed4.net/go/t2/eb_jan/sig/Check/ **************************************************************** **************************************************************** Make sure you receive your 1099 form on time, update your address online. Go to http://schwab.ed4.net/go/t3/eb_jan/sig/form/ **************************************************************** ---------------------------------------------------------------- 1. Daily Market Recap ---------------------------------------------------------------- Read about what happened in the market* today in the Daily Market Recap. Go to http://schwab.ed4.net/go/t4/eb_jan/sig/recap/ *The content on this page is updated daily. Therefore, no matter when you are reading your e.Bulletin, the Daily Market Recap should be current. ---------------------------------------------------------------- 2. 2000 Market Summary ---------------------------------------------------------------- Read about what happened in the market last year in the 2000 Market Summary. Go to http://schwab.ed4.net/go/t5/eb_jan/sig/summary/ ---------------------------------------------------------------- 3. Does Higher Risk Always Mean Higher Reward? ---------------------------------------------------------------- Our commentator challenges a popular financial theory that postulates the "more risk, more return" concept. His conclusion: the theory is full of shortcomings. Go to http://schwab.ed4.net/go/t6/eb_jan/sig/higher/ ---------------------------------------------------------------- 4. Pre-IPO Private Placements ---------------------------------------------------------------- Long before an initial public offering (IPO), most new companies undergo an arduous search for capital. Here's a look at the world of "angel" investors, private placements and start-up funding. Is there an opportunity here for you? Go to http://schwab.ed4.net/go/t7/eb_jan/sig/IPO/ ---------------------------------------------------------------- 5. Fund's Got a New Manager -- Should You Stay? ---------------------------------------------------------------- A new person is running one of your mutual funds. Is it time to leave? This article provides guidelines to help you decide whether to remain or move your money elsewhere. Go to http://schwab.ed4.net/go/t8/eb_jan/sig/manager/ ---------------------------------------------------------------- 6. The Stock Market: Two Markets in One ---------------------------------------------------------------- * The stock market is actually two different types of markets. * The exchanges: Where listed stocks are traded. * Computerized trading on Nasdaq and the OTC markets. Read the Article http://schwab.ed4.net/go/t9/eb_jan/sig/market/ ---------------------------------------------------------------- 7. Cookies Demystified ---------------------------------------------------------------- In the language of the Internet, cookies store small pieces of information that are sent to your browser by a web site. The web site uses the information in the cookie to recognize you and give you personalized service. Cookies save you time when you are shopping online. If it weren't for cookies, online shopping carts wouldn't exist. It's because of cookies that you can place an item in an electronic shopping cart at your favorite web site, continue shopping, and find your way back to your shopping cart -- with the items you have selected -- without a hitch. Cookies also enable personalized messaging ("Hello, Mary!") and targeted marketing ("Would you care to purchase music by the same band you selected last time?"). Cookies can enhance your online experiences. We thought you might be interested in how Schwab uses cookies. When you go to schwab.com, we recognize you as a Schwab.com client and send you a different start page than we send to non-customers. Go to http://schwab.ed4.net/go/t10/eb_jan/sig/cookies/ To learn more about how we use cookies, gifs and other web tools on Schwab.com. ---------------------------------------------------------------- 8. 529 College Savings Plan ---------------------------------------------------------------- 529 College Savings plans offer an innovative way to save for your child or grandchild's college education. Unlike education IRAs and custodial accounts, which place many financial and other restrictions on both the contributor and the recipient, 529 Plans offer one of the most flexible ways to save for a college education. Also, contributions of up to $50,000 ($100,000 per couple) to a student in a single year are free from federal gift tax if no additional gifts are made to the same person in the next four years. Other benefits include: * tax-advantaged growth * high contribution limits per beneficiary * qualified withdrawals taxed at student's rate To learn more visit Schwab's online guide. Go to http://schwab.ed4.net/go/t11/eb_jan/sig/college/ ---------------------------------------------------------------- 9. The Schwab 1000 Fund(R). -- Smart About Growth. Careful About Taxes(TM). ---------------------------------------------------------------- Are you concerned about taxes? Perhaps you should consider a tax-efficient mutual fund, such as the Schwab 1000 Fund(R) Since the fund's inception in April 1991, the Schwab 1000 Fund(R) has not paid a capital gain distribution. Of course, past performance is no guarantee of future results. For a prospectus containing more information on management fees, risks and expenses, Go to http://schwab.ed4.net/go/t12/eb_jan/sig/taxes/ Please read the prospectus carefully before investing. ---------------------------------------------------------------- 10. Apply for an IRA Online ---------------------------------------------------------------- An Individual Retirement Account (IRA) is an important part of retirement planning. It offers tax advantaged investment growth which means your money can grow without being subject to current taxation. Even if you have a company plan, you may still have an IRA to give you an additional opportunity to invest in stocks, mutual funds or bonds on a tax advantaged basis. You'll find all the resources you need to apply for your IRA at schwab.com Go to http://schwab.ed4.net/go/t13/eb_jan/sig/IRA/ Remember, the deadline is April 16, 2001 to fund your IRA for tax year 2000. Don't wait until the last minute! Funding your IRA with Schwab has never been easier. Find the closest location to send your Year 2000 contribution. Go to http://schwab.ed4.net/go/t14/eb_jan/sig/contribution/ ---------------------------------------------------------------- 11. A Smart Time to Refinance? ---------------------------------------------------------------- You actively manage your investments to maximize returns. Do you pay as much attention to your mortgage? You should. Housing is the single biggest investment most of us ever make. To find out if refinancing can save you money, check out the Mortgage Check-Up at the Schwab Mortgage Center, provided by E-LOAN. It will look at today's rates and can help you decide if now is the time to refinance. You can also set up a free account to monitor interest rates on a daily basis. If a better rate is available, you'll be notified immediately via email. Try this simple tool today. Go to http://schwab.ed4.net/go/t15/eb_jan/sig/refinance/ ---------------------------------------------------------------- 12. Schwab Learning Center Announces New Courses on Taxes and Stock Investing ---------------------------------------------------------------- The Learning Center recently released two new courses -- Tax Smart Investing and Understanding Stocks. Tax Smart Investing covers that all-important topic of taxation and tax-efficient investing. The new course guides you through key tax-related factors to consider when buying, selling or holding an investment. Understanding Stocks is designed to teach you the fundamentals of stock characteristics and terminology. Check out these courses and more. Go to http://schwab.ed4.net/go/t16/eb_jan/sig/learningcenter/ ---------------------------------------------------------------- 13. Update: The Big Switch to Decimal Quotes ---------------------------------------------------------------- In recent months, you may have noticed in the newspaper that some securities are priced in decimals rather than fractions. This is part of a gradual conversion process in which all stocks and their underlying options will eventually quote and trade in decimals. The process began in phases on September 5, 2000 with a small group of New York Stock Exchange (NYSE) securities and continues until January 29, 2001, when the remainder of NYSE-listed securities will convert to decimals. Soon after, securities traded over-the-counter (OTC) will begin a phased conversion. All securities and their underlying options are planned to be converted by April 9, 2001. Your Schwab statement and trade confirms will not change as security pricing already appears in decimal format. For more information about decimalization, Go to http://schwab.ed4.net/go/t18/eb_jan/sig/decimal/ ---------------------------------------------------------------- 14. Wireless Technologies Video Webcast ---------------------------------------------------------------- From cell phones to the emergence of Bluetooth -- what technological, consumer, and global issues surround the wireless phenomenon? You're invited to tune in and participate in this live, online, special event. Topic: Wireless Technology ...Today & Tomorrow Speaker: Panel of industry leaders including Bill Day, Tech Evangelist, Sun Microsystems Date/Time: Thursday, January 25th @ 3:00pm ET, 12:00pm PT Where: http://schwab.ed4.net/go/t19/eb_jan/sig/wireless/ (pre-registration encouraged) ---------------------------------------------------------------- 15. Argus Roundtable ---------------------------------------------------------------- January 23, 2001 at 7:00pm ET Argus Roundtable gives Signature Services clients the opportunity to interact directly with the analysts producing some of the finest independent financial research available today. These monthly events offer an opportunity for investment insight that, until recently, was typically available only to institutional investment professionals. Please join us! Go to http://schwab.ed4.net/go/t20/eb_jan/sig/argus/ ---------------------------------------------------------------- 16. Advice for Fifty Plus: Charles Schwab's New Book ---------------------------------------------------------------- In his new book, You're Fifty -- Now What? Investing for the Second Half of Your Life (Crown Business 2001 ), Charles Schwab helps you create a financial strategy that takes you from your working years through retirement . "Retirement planning that may have worked for earlier generations no longer works today," he says. "Not only are people living longer, but they are also healthier and more active - meaning that retirement tends to be more costly." Schwab helps you navigate these life changes in a clear, user-friendly style with numerous easy-to-follow worksheets, tables and guidelines. Available in hardcover, as an ebook, and in Random House Audiobook and Large Print Editions. ---------------------------------------------------------------- 17. The Proactive Investor's Calendar ---------------------------------------------------------------- Check out our calendar of upcoming events, key economic indicators and things to be thinking about for the month ahead. http://schwab.ed4.net/go/t21/eb_jan/sig/calendar/ ---------------------------------------------------------------- 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. For more information Go to http://schwab.ed4.net/go/t22/eb_jan/sig/change/ ---------------------------------------------------------------- To unsubscribe, ask account service questions, or provide feedback ---------------------------------------------------------------- The Schwab e.Bulletin is a complimentary subscription for our clients. If you would prefer not to receive this in the future: 1. Log on to your account. http://schwab.ed4.net/go/t23/eb_jan/sig/unsub/ 2. Under "My Alerts", check the box marked "delete" next to e.Bulletin and then click "submit". For account service questions, please send a secure email by logging on to your account. http://schwab.ed4.net/go/t24/eb_jan/sig/account/ 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. ©2001 Charles Schwab & Co., Inc. All rights reserved. Member SIPC/NYSE (0100-11823).
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