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          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_SchwabLongTermUSTreasuryETFMember" xml:lang="en-US">Schwab Long-Term U.S. Treasury ETF [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000904333_SchwabLongTermUSTreasuryETFMember" xlink:to="lab_cik0000904333_SchwabLongTermUSTreasuryETFMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000904333-20251231.xsd#cik0000904333_TRowePriceInstitutionalFloatingRateFundInstutionalClassMember" xlink:label="loc_cik0000904333_TRowePriceInstitutionalFloatingRateFundInstutionalClassMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_TRowePriceInstitutionalFloatingRateFundInstutionalClassMember" xml:lang="en-US">T Rowe Price Institutional Floating Rate Fund, Instutional Class [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000904333_TRowePriceInstitutionalFloatingRateFundInstutionalClassMember" xlink:to="lab_cik0000904333_TRowePriceInstitutionalFloatingRateFundInstutionalClassMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000904333-20251231.xsd#cik0000904333_SchwabGlobalRealEstateFundMember" xlink:label="loc_cik0000904333_SchwabGlobalRealEstateFundMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_SchwabGlobalRealEstateFundMember" xml:lang="en-US">Schwab Global Real Estate Fund [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000904333_SchwabGlobalRealEstateFundMember" xlink:to="lab_cik0000904333_SchwabGlobalRealEstateFundMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000904333-20251231.xsd#cik0000904333_SchwabUSAggregateBondIndexFundMember" xlink:label="loc_cik0000904333_SchwabUSAggregateBondIndexFundMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_SchwabUSAggregateBondIndexFundMember" xml:lang="en-US">Schwab U.S. Aggregate Bond Index Fund [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000904333_SchwabUSAggregateBondIndexFundMember" xlink:to="lab_cik0000904333_SchwabUSAggregateBondIndexFundMember" />
          <link:loc xlink:type="locator" xlink:href="cik0000904333-20251231.xsd#cik0000904333_SchwabGovernmentMoneyFundUltraSharesMember" xlink:label="loc_cik0000904333_SchwabGovernmentMoneyFundUltraSharesMember" />
          <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cik0000904333_SchwabGovernmentMoneyFundUltraSharesMember" xml:lang="en-US">Schwab Government Money Fund, Ultra Shares [Member]</link:label>
          <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cik0000904333_SchwabGovernmentMoneyFundUltraSharesMember" xlink:to="lab_cik0000904333_SchwabGovernmentMoneyFundUltraSharesMember" />
        </link:labelLink>
      </link:linkbase>
    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <import namespace="http://fasb.org/us-gaap/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd" />
  <import namespace="http://xbrl.sec.gov/country/2025" schemaLocation="https://xbrl.sec.gov/country/2025/country-2025.xsd" />
  <import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" />
  <import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd" />
  <import namespace="http://fasb.org/us-types/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-types-2025.xsd" />
  <import namespace="http://fasb.org/srt-types/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-types-2025.xsd" />
  <import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
  <import namespace="http://xbrl.sec.gov/stpr/2025" schemaLocation="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd" />
  <import namespace="http://xbrl.sec.gov/oef-sr/2025" schemaLocation="https://xbrl.sec.gov/oef/2025/oef-sr-2025.xsd" />
  <element name="C000059932Member" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_C000059932Member" substitutionGroup="xbrli:item" />
  <element name="C000059933Member" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_C000059933Member" substitutionGroup="xbrli:item" />
  <element name="C000059934Member" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_C000059934Member" substitutionGroup="xbrli:item" />
  <element name="IncomePayoutCompositeIndexMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_IncomePayoutCompositeIndexMember" substitutionGroup="xbrli:item" />
  <element name="FlexiblePayoutCompositeIndexMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_FlexiblePayoutCompositeIndexMember" substitutionGroup="xbrli:item" />
  <element name="TargetPayoutCompositeIndexMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_TargetPayoutCompositeIndexMember" substitutionGroup="xbrli:item" />
  <element name="BloombergUSAggregateBondIndexMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_BloombergUSAggregateBondIndexMember" substitutionGroup="xbrli:item" />
  <element name="FixedIncomeIntermediateTermBondMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_FixedIncomeIntermediateTermBondMember" substitutionGroup="xbrli:item" />
  <element name="USStocksLargeCapMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_USStocksLargeCapMember" substitutionGroup="xbrli:item" />
  <element name="InternationalStocksDevelopedMarketsMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_InternationalStocksDevelopedMarketsMember" substitutionGroup="xbrli:item" />
  <element name="FixedIncomeShortTermBondMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_FixedIncomeShortTermBondMember" substitutionGroup="xbrli:item" />
  <element name="FixedIncomePreferredMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_FixedIncomePreferredMember" substitutionGroup="xbrli:item" />
  <element name="FixedIncomeLongTermGovernmentBondMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_FixedIncomeLongTermGovernmentBondMember" substitutionGroup="xbrli:item" />
  <element name="FixedIncomeFloatingRateLoansMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_FixedIncomeFloatingRateLoansMember" substitutionGroup="xbrli:item" />
  <element name="RealEstateGlobalRealEstateMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_RealEstateGlobalRealEstateMember" substitutionGroup="xbrli:item" />
  <element name="MoneyMarketFundMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_MoneyMarketFundMember" substitutionGroup="xbrli:item" />
  <element name="FixedIncomeHighYieldBondMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_FixedIncomeHighYieldBondMember" substitutionGroup="xbrli:item" />
  <element name="SchwabUSDividendEquityETFMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabUSDividendEquityETFMember" substitutionGroup="xbrli:item" />
  <element name="SchwabInternationalDividendEquityETFMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabInternationalDividendEquityETFMember" substitutionGroup="xbrli:item" />
  <element name="SchwabHighYieldBondETFMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabHighYieldBondETFMember" substitutionGroup="xbrli:item" />
  <element name="Schwab5To10YearCorporateBondETFMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_Schwab5To10YearCorporateBondETFMember" substitutionGroup="xbrli:item" />
  <element name="Schwab1To5YearCorporateBondETFMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_Schwab1To5YearCorporateBondETFMember" substitutionGroup="xbrli:item" />
  <element name="CohenAndSteersPreferredSecuritiesAndIncomeFundIncClassIMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_CohenAndSteersPreferredSecuritiesAndIncomeFundIncClassIMember" substitutionGroup="xbrli:item" />
  <element name="SchwabLongTermUSTreasuryETFMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabLongTermUSTreasuryETFMember" substitutionGroup="xbrli:item" />
  <element name="TRowePriceInstitutionalFloatingRateFundInstutionalClassMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_TRowePriceInstitutionalFloatingRateFundInstutionalClassMember" substitutionGroup="xbrli:item" />
  <element name="SchwabGlobalRealEstateFundMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabGlobalRealEstateFundMember" substitutionGroup="xbrli:item" />
  <element name="SchwabUSAggregateBondIndexFundMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabUSAggregateBondIndexFundMember" substitutionGroup="xbrli:item" />
  <element name="SchwabGovernmentMoneyFundUltraSharesMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" id="cik0000904333_SchwabGovernmentMoneyFundUltraSharesMember" substitutionGroup="xbrli:item" />
</schema>
