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Perspectives

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

Retirement

Paying Off a Mortgage Early

Starting off retirement with a paid-off mortgage is a goal for many retirees. But how much you should prioritize making it happen depends on your individual situation.

September 25, 2026 • Austin Jarvis

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Retirement Savings Tips

Wondering if you're on track to reach your retirement goal? Here's how to calculate how much you should have saved by now.

September 23, 2026

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Get Retirement on Track

Think retirement is too far off to worry about now? Think again. Here's why you should start today. (Your future self will thank you.)

September 02, 2026

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Timing a Roth IRA Conversion

A Roth IRA conversion is one way high earners can access tax-free growth of their retirement savings. Consider the reasons for making a lump-sum conversion versus spreading it out.

August 14, 2026

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Social Security Do-Over

If you take Social Security before age 70 and later wish you had waited to collect, you may be able to pay back or pause benefits to receive an increase in payouts later.

August 14, 2026

Investing Strategies

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Fed Fights With Tool Mismatch

The Federal Reserve's interest rate hike targets demand, but the bulk of the current inflationary pressures come from the supply side.

September 28, 2026 • Henry Hoenig

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Geopolitical Fragmentation

Globalization is being reorganized around security and resilience, creating uneven risks and opportunities across markets.

September 28, 2026

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Looking to the Futures

Crude oil futures (/CL) moved lower Friday, with the front-month WTI contract settling near $92 per barrel.

September 28, 2026

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Geopolitics, Data in Focus

This week could see a tug of war as inflation and jobs data vie for attention with geopolitics. Oil and yields rose after the U.S. rejected Iran's proposal to reopen the strait.

September 28, 2026

Markets & Economy

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Monday's Schwab Market Update Podcast

There's a tug-of-war between movement on the geopolitical front and a feast of U.S. data this week, culminating in Friday's jobs report. Oil and yields could set the tone.

September 28, 2026

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Fed Fights With Tool Mismatch

The Federal Reserve's interest rate hike targets demand, but the bulk of the current inflationary pressures come from the supply side.

September 28, 2026

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Geopolitical Fragmentation

Globalization is being reorganized around security and resilience, creating uneven risks and opportunities across markets.

September 28, 2026

Personal Finance & Planning

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Geopolitical Fragmentation

Globalization is being reorganized around security and resilience, creating uneven risks and opportunities across markets.

September 28, 2026

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Monday's Schwab Market Update Podcast

There's a tug-of-war between movement on the geopolitical front and a feast of U.S. data this week, culminating in Friday's jobs report. Oil and yields could set the tone.

September 28, 2026

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Fed Fights With Tool Mismatch

The Federal Reserve's interest rate hike targets demand, but the bulk of the current inflationary pressures come from the supply side.

September 28, 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 12, 2026 • 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

Learn about the most common types of mortgages and what to consider when originating a home loan.

July 29, 2026

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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.