I am assuming that you are using TurboTax. The Schwab downloads go into Quicken. The paper 1099 goes into Turbo Tax. Schwab is never very accurate on the Quicken downloads. Schwab is notorious in miss-coding the transaction detail. It is by far easier to take the Schwab 1099 in hand and enter it into the Turbo Tax. The 1099 will be very accurate. If you have a multitude of stock transactions (capital gains), it can be tedious. I would not waste time on the Schwab transaction detail download. I would have to routinely make corrections into Quicken to what Schwab downloaded to me. The corrections are not financial but miss-coded content. That stuff really can cause you computer to hiccup, screen to flash, and day to be ruined. short term short sales also can be routinely miss-coded. Good luck.
