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These embrace ETF working expenses which are the administration and different fees the underlying ETFs charge all shareholders. The portfolios embody a cash allocation to a deposit account at Schwab Bank FDIC-insured Deposit Accounts at Charles Schwab Bank (“Schwab Bank”). Schwab Bank earns income on the deposits, and earns more the bigger the money allocation. The decrease the rate of interest Schwab Bank pays on the cash, the lower the yield.
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