The Charles Schwab Personal Choice Retirement Account (PCRA) is an optional self-directed brokerage window within the PRAP that provides access to a broader range of investment options beyond the plan’s core fund lineup. You can access it through the Schwab PRAP portal using your United employee credentials. Pilots considering the PCRA should evaluate whether the expanded investment universe aligns with their investment strategy, risk tolerance, and timeline to retirement and may benefit from working with a financial professional familiar with PRAP’s specific plan rules.
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