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Perspectives

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

Retirement

How Does a 401(k) Match Work?

Learn how a 401(k) match works and other FAQs like contribution limits, what happens if you leave your job, and tips if you can't contribute enough to get the full employer match.

December 11, 2025 • Chris Kawashima

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Whether you're considering a traditional IRA or already contributing to one, it's a good idea to know what will happen when it's time to take your hard-earned savings out. Here are four questions to get you started.

December 10, 2025

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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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10 Money Questions and Answers

Almost everyone has money questions. Here are 10 everyday money questions and answers to help you now.

December 03, 2025

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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.

December 03, 2025

Investing Strategies

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Today's Options Market Update

Stocks are lower around midday following a higher open as investors position for a week loaded with key economic data points.

December 15, 2025 • Nathan Peterson

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Tech Up Early, Yields Fall

After getting sold heavily last week, many AI names rose early. Tomorrow's jobs report could set this week's tone, while retail sales, CPI, Nike and FedEx also loom in coming days.

December 15, 2025

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Looking to the Futures

Crude oil futures (/CLF26) ended the week in the red as traders continue to see ample global oil supplies heading into 2026.

December 15, 2025

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Perspective: 2026 Outlook

Investors are navigating not just uncertainty, but an unstable environment influenced by tariffs and inflation, among other factors. While volatility may increase, there is likely room for another solid year in 2026, especially for fixed income and international stocks.

December 12, 2025

Markets & Economy

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Today's Options Market Update

Stocks are lower around midday following a higher open as investors position for a week loaded with key economic data points.

December 15, 2025

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Monday's Schwab Market Update Podcast

Tomorrow's jobs report, Thursday's Nike results and Friday's BOJ decision are weekly highlights, but focus could stay on fast-retreating tech stocks and rising Treasury yields.

December 15, 2025

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Tech Up Early, Yields Fall

After getting sold heavily last week, many AI names rose early. Tomorrow's jobs report could set this week's tone, while retail sales, CPI, Nike and FedEx also loom in coming days.

December 15, 2025

Personal Finance & Planning

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Today's Options Market Update

Stocks are lower around midday following a higher open as investors position for a week loaded with key economic data points.

December 15, 2025

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Monday's Schwab Market Update Podcast

Tomorrow's jobs report, Thursday's Nike results and Friday's BOJ decision are weekly highlights, but focus could stay on fast-retreating tech stocks and rising Treasury yields.

December 15, 2025

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Tech Up Early, Yields Fall

After getting sold heavily last week, many AI names rose early. Tomorrow's jobs report could set this week's tone, while retail sales, CPI, Nike and FedEx also loom in coming days.

December 15, 2025

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.

August 07, 2024

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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.