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Perspectives

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

Retirement

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 • Michael Townsend • Austin Jarvis

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403(b) vs. 401(k)

If you're considering a 403(b) or 401(k) retirement plan, here are eligibility rules, contribution limits, and withdrawal rules to keep in mind.

July 08, 2026

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What Is a 403(b) Plan?

A 403(b) plan can help school employees, health care workers, and certain nonprofit employees save for retirement. Learn what to consider before contributing.

July 08, 2026

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403(b) vs. 457(b) Plans

If you're considering a 403(b) or 457(b) retirement plan, here are the eligibility rules, contribution limits, and withdrawal rules to keep in mind.

July 08, 2026

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What Is a 457(b) Plan?

A 457(b) plan can help eligible government and certain nonprofit employees save for retirement. Learn what to consider before contributing.

July 08, 2026

Investing Strategies

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Today's Options Market Update

Stocks are higher across the board despite overnight attacks in the Strait of Hormuz. Chip stocks are seeing follow-through buying as the SOX bounces off its 50-day SMA.

July 09, 2026 • Nathan Peterson

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Looking to the Futures

Crude oil prices surged more than 7% Wednesday after President Trump announced that the ceasefire with Iran was over.

July 09, 2026

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Stocks Up, Strait Action Eyed

Though overnight strikes in the Strait of Hormuz kept the market on edge, chips kept gaining early today. PepsiCo's earnings appeared to disappoint but jobless claims were subdued.

July 09, 2026

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STAX Trends: Gen X Leads the Pack

The Schwab Trading Activity Index™, which tracks client activity to gauge sentiment, hit a multi-year high in June. Gen X lead the bullish charge, but Millennials closed the gap.

July 08, 2026

Markets & Economy

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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

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Today's Options Market Update

Stocks are higher across the board despite overnight attacks in the Strait of Hormuz. Chip stocks are seeing follow-through buying as the SOX bounces off its 50-day SMA.

July 09, 2026

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Market Snapshot

Liz Ann Sonders shares her perspective on the U.S. stock market and economy in this monthly Market Snapshot video.

July 09, 2026

Personal Finance & Planning

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Market Snapshot

Liz Ann Sonders shares her perspective on the U.S. stock market and economy in this monthly Market Snapshot video.

July 09, 2026

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Today's Options Market Update

Stocks are higher across the board despite overnight attacks in the Strait of Hormuz. Chip stocks are seeing follow-through buying as the SOX bounces off its 50-day SMA.

July 09, 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

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.