Perspectives
Expert insight & commentary on retirement, personal finance, investing strategies and more from Charles Schwab & Co., Inc.
Retirement
Tips for Early Retirement
Here's how to figure out how your budget and savings would be affected if you had to retire earlier than anticipated.


2025 RMD Reference Guide
What's new with required minimum distributions? We cover the basics here.

How Does a Roth IRA Work?
Even if you don't have an employer sponsored retirement plan, it's still important to save for your future.

Starting a 401(k) in Your 20s
Retirement may seem far away, but starting to save in a 401(k) in your 20s is one of the best things you can do for your future self. Here's why.

Paying Off a Mortgage Early
Whether it makes financial sense to pay off your mortgage depends on your individual situation. Here are some things to consider.
Investing Strategies

Corporates: Mid-Year Outlook
We continue to suggest an "up in quality" fixed income bias for the short run, but investors can still consider some of the riskier parts of the fixed income market in moderation.

Today's Options Market Update
The S&P 500 is pushing closer towards all-time highs today as strength in technology and chip stocks help lead the way.

Mixed Data, Chip Strength
The S&P 500 index approaches a record high, boosted by chips after solid results from Micron. Nike reports later, and data this morning, including GDP, had mixed implications.

Looking to the Futures
The Gold World Council’s central bank gold reserves survey released this month showed the yellow metal is still a favorite for central bankers.
Markets & Economy

Today's Options Market Update
The S&P 500 is pushing closer towards all-time highs today as strength in technology and chip stocks help lead the way.

Using Breadth to Check Trends
Market breadth can help gauge strength or weakness. Methods include tracking the number of stocks trading above or below moving averages or making new highs or lows.

Corporates: Mid-Year Outlook
We continue to suggest an "up in quality" fixed income bias for the short run, but investors can still consider some of the riskier parts of the fixed income market in moderation.
Personal Finance & Planning

Corporates: Mid-Year Outlook
We continue to suggest an "up in quality" fixed income bias for the short run, but investors can still consider some of the riskier parts of the fixed income market in moderation.

Today's Options Market Update
The S&P 500 is pushing closer towards all-time highs today as strength in technology and chip stocks help lead the way.

Using Breadth to Check Trends
Market breadth can help gauge strength or weakness. Methods include tracking the number of stocks trading above or below moving averages or making new highs or lows.
Money Talk

7 Common Car Buying Mistakes
Buying on emotion is just one potential car-buying pitfall. Here are seven other common mistakes and what you can do to avoid them.

Family Loan Do's and Don'ts
While there are pitfalls to lending a family member money, there can also be rewards. Just be sure to clearly set expectations and limits right from the start.

5 Types of Mortgage Loans
If you're looking for a mortgage loan, here are five types to consider. Check out the pros and cons to help you choose the right one for you.

Starting a 401(k) in Your 20s
Retirement may seem far away, but starting to save in a 401(k) in your 20s is one of the best things you can do for your future self. Here's why.
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Insights & Education are provided by Charles Schwab & Co., Inc.
The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice.The type of securities and investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. All expressions of opinion are subject to change without notice in reaction to shifting market or economic conditions.