10 5 points Schwab has found that the typical customer for their Mutual Fund products is someone who is cautious about new ideas. They know that these clients are often older investors who do not want to make changes to how they invest because they have been doing it the same way for most of their lives. For Schwab, the primary target market for these investment products, in terms of the adoption curve are the o innovators early adopters early majority late majority Laggards