Page 3 - April 12, 2023
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{ 2 }  SNJ Today  |  APRIL 12, 2023                                                                                 APRIL 12, 2023  |  { 3 }

                                                                                   Compare rates to see

                                                                                   how we stack up.

                                                                                   CD rates                         Money Market Fund

                                                                                   6 months (as of  4/4/23)         Schwab Value Advantage
                                                                                                       %            Money Fund  SWVXX
                                                                                                                    $0 investment minimum
                                                                                   5.06 APY                         The funds’ Investor Shares have no initial investment minimum;
                                                                                                                    however, Schwab systems require a minimum of $1 per trade.
                                                                                   Minimum deposit $1,000

                                                                                   12 months (as of  4/4/23)        4.69                %
                                                                                                       %            Minimum deposit $0

                                                                                   4.90 APY                         7-day yield
                                                                                   Minimum deposit $1,000           (with waivers) as of  4/3/23
                                                                                                                    Competitive yields on money
                                                                                   2 years (as of  4/4/23)
                                                                                                       %            market funds and CDs available
                                                                                                                    through Schwab could help you
                                                                                   4.60 APY                         meet your financial goals, and
                                                                                   Minimum deposit $1,000           that’s always a good thing.
                       Sky’s the Limit: Bicycle Ride
                for Women to Benefit Women’s Shelter                               Call your local Schwab branch at 856-506-3412 or visit
                                                                          to find out more.

        Evelyn Hill Cycling will host She-Bikes, its first charity bicycle ride for women, at
     9 a.m. on Sunday, May 21. The ride begins and ends at the Evelyn Hill Cycling shop   Donald Daigle
     at 685 Kenyon Avenue in Rosenhayn. Riders will have a choice of 20-mile, 35-mile or   Branch Leader and Financial Consultant
     50-mile routes on rural roads in Cumberland and Salem counties. The terrain is flat to
     rolling hills.                                                                2184 North 2nd Street
        The cost for the ride is $60 and includes a ride T-shirt, on-road “sag” support dur-  Millville, NJ 08332
     ing the ride, and a rest stop with homemade baked goods. The woman-run Top Shelf   856-506-3412
     Mobile Cuisine food truck will be on site, and there will be music and prizes at the
     end of the ride. Evelyn Hill Cycling women’s clothing will also be for sale.
        Proceeds from the ride will benefit the Salem County Women’s Shelter. Riders are   Certificates of deposit available through Schwab CD OneSource® typically offer a fixed
     also asked to bring a personal care item for women at the shelter.            rate of return, although some offer variable rates. They are FDIC-insured and offered
        “We started our cycling club five years ago as a way for local women to get fit, have   through Charles Schwab & Co., Inc.
     fun, and socialize,” said Evelyn Hill Cycling owner Barbara Kornbluh. “This ride is an   Investors in money market funds should carefully consider information contained in the
                                                                                   prospectus, or, if available, the summary prospectus, including investment objectives,
     opportunity for women to share a great time and support other women.”         risks, charges, and expenses. You can request a mutual fund prospectus by calling
        To register for the ride, go to                     Schwab at 1-800-435-4000. Please read the prospectus carefully before investing.
        The club currently holds weekly rides on Saturday mornings, then adds Monday   You could lose money by investing in the Schwab Money Funds. SWVXX seeks to preserve the value of
                                                                                   your investment at $1.00 per share, but cannot guarantee it will do so. SWVXX may impose a fee upon
     and Thursday evening rides throughout the summer. The EZ-Monday rides, typi-  the sale of your shares or may temporarily suspend your ability to sell shares if the fund’s liquidity
     cally around 10 miles, are perfect for beginners or those just getting back into cycling.   falls below required minimums because of market conditions or other factors. An investment in the
     Saturday rides are typically around 20 miles, or whatever the group decides to do.  Schwab Money Funds is not insured or guaranteed by the Federal Deposit Insurance Corporation or
                                                                                   any other government agency. The Schwab Money Funds’ sponsor has no legal obligation to provide
        “The motto for our club is everyone rides, and no one rides alone,” Kornbluh said.   financial support to the Funds, and you should not expect that the sponsor will provide financial
     “We adjust our rides based on the fitness level of those attending.”          support to the Funds at any time.
        More information on the club and its rides are on the Evelyn Hill Cycling Club   Past performance is no guarantee of future results. For the most recent 7-day yields, see
     Facebook page, or e-mail                          The 7-Day Yield is the average income paid out over the previous seven days assuming interest income
                                                                                   is not reinvested and it reflects the effect of all applicable waivers. Absent such waivers, the fund’s
                                                                                   yield would have been lower.
               Members of the Evelyn Hill Cycling Club on a Saturday ride in 2022.    Charles Schwab Investment Management, Inc. (CSIM), the investment advisor for Schwab Funds, and
                     PHOTO PROVIDED BY EVELYN HILL CYCLING CLUB                    Schwab, Member SIPC, the distributor for Schwab Funds, are separate but affiliated companies and
                                                                                   subsidiaries of The Charles Schwab Corporation.
                                                                                   ©2023 Charles Schwab & Co., Inc. All rights reserved. Member SIPC.
                                                                                   CC7019834 (0423-31AU)  ADP119092R-00 (09/22)  00278560  SCH10645-12
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