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Perspectives

Expert insight & commentary on retirement, personal finance, investing strategies and more from Charles Schwab & Co., Inc.

Retirement

What Is a Roth IRA?

A Roth IRA is a retirement account that may offer tax-free growth and tax-free qualified withdrawals. Learn about eligibility, contributions, and withdrawals.

July 24, 2026 • Hayden Adams

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What Is a Mega Backdoor Roth?

A mega backdoor Roth may help you save beyond standard contribution limits. Learn how it works, how it compares to a regular backdoor Roth, and more.

July 23, 2026

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Your Retirement Lifestyle

When it comes to planning for retirement, determining your personal identity—and associated goals—is an important (and often overlooked) step.

July 17, 2026

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529-to-Roth IRA Rollovers

Unused 529 funds can be rolled into the beneficiary's Roth IRA without a tax penalty. But that's probably not a reason to overfund 529s.

July 15, 2026

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Social Security Benefit Cuts?

Fear around the future of Social Security payments is understandable, but it should not solely drive decisions on when to claim benefits.

July 09, 2026

Investing Strategies

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Today's Options Market Update

Stocks looked set to stabilize in early trading as lower oil prices eased inflation concerns. But the market remains jittery over enormous AI spending as earnings season rolls on.

July 24, 2026 • Joe Mazzola

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Weekly Trader's Outlook

Stocks are on track for modest weekly losses, particularly in the technology space, as rising oil prices and higher Treasury yields keep investors sidelined, despite strong earnings reports.

July 24, 2026

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What Is a Roth IRA?

A Roth IRA is a retirement account that may offer tax-free growth and tax-free qualified withdrawals. Learn about eligibility, contributions, and withdrawals.

July 24, 2026

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Clarity Act and Credit Spreads

This week's update includes analysis of China's approach to AI, thoughts on another potential government shutdown, a Clarity Act check-in, and a look at credit spread trends.

July 24, 2026

Markets & Economy

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Weekly Trader's Outlook

Stocks are on track for modest weekly losses, particularly in the technology space, as rising oil prices and higher Treasury yields keep investors sidelined, despite strong earnings reports.

July 24, 2026

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Clarity Act and Credit Spreads

This week's update includes analysis of China's approach to AI, thoughts on another potential government shutdown, a Clarity Act check-in, and a look at credit spread trends.

July 24, 2026

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Today's Options Market Update

Stocks looked set to stabilize in early trading as lower oil prices eased inflation concerns. But the market remains jittery over enormous AI spending as earnings season rolls on.

July 24, 2026

Personal Finance & Planning

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Weekly Trader's Outlook

Stocks are on track for modest weekly losses, particularly in the technology space, as rising oil prices and higher Treasury yields keep investors sidelined, despite strong earnings reports.

July 24, 2026

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Clarity Act and Credit Spreads

This week's update includes analysis of China's approach to AI, thoughts on another potential government shutdown, a Clarity Act check-in, and a look at credit spread trends.

July 24, 2026

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Today's Options Market Update

Stocks looked set to stabilize in early trading as lower oil prices eased inflation concerns. But the market remains jittery over enormous AI spending as earnings season rolls on.

July 24, 2026

Money Talk

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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.

August 14, 2024 • Patrick Means

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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.

June 12, 2026

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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.

July 31, 2024

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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.

December 03, 2025

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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 investment strategies mentioned here 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 conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.