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Perspectives

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

Retirement

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

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Roth IRA Conversion and Taxes

How to make the most of a Roth IRA conversion.

August 06, 2026

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Saving on an Irregular Income

You can still save even if you don't have the steady income of a 9-to-5 job.

August 05, 2026

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Tapping an IRA to Buy a Home

Can you tap your IRA to help buy a home? The short answer is yes. But the better question is "should you?" Here are some caveats to consider before you touch your retirement money.

August 05, 2026

Investing Strategies

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Rising Yields Flatten Stocks

An early rally attempt flattened as yields and oil rose ahead of earnings from big retailers and Fed minutes later this week. Volatility also climbed, a possible caution sign.

August 17, 2026 • Joe Mazzola

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Looking to the Futures

Crude oil futures (/CL) moved higher Friday as traders continue to focus on concerns over limited traffic through the Strait of Hormuz and still-tight global crude oil supplies.

August 17, 2026

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Investing in Private Assets

In search of higher returns, investors are increasingly considering private assets.

August 14, 2026

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Bullish Clients and Hike Odds

Schwab clients stayed net buyers last month even as odds of a rate hike remained elevated. Elsewhere, small caps shrugged off high yields and bitcoin trading volume hit a new lull.

August 14, 2026

Markets & Economy

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Monday's Schwab Market Update Podcast

Rising oil sent yields higher and slowed market gains last week amid a slate of relatively soft U.S. data. This week brings retailer results, but war remains a large concern.

August 17, 2026

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Looking to the Futures

Crude oil futures (/CL) moved higher Friday as traders continue to focus on concerns over limited traffic through the Strait of Hormuz and still-tight global crude oil supplies.

August 17, 2026

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Rising Yields Flatten Stocks

An early rally attempt flattened as yields and oil rose ahead of earnings from big retailers and Fed minutes later this week. Volatility also climbed, a possible caution sign.

August 17, 2026

Personal Finance & Planning

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Monday's Schwab Market Update Podcast

Rising oil sent yields higher and slowed market gains last week amid a slate of relatively soft U.S. data. This week brings retailer results, but war remains a large concern.

August 17, 2026

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Rising Yields Flatten Stocks

An early rally attempt flattened as yields and oil rose ahead of earnings from big retailers and Fed minutes later this week. Volatility also climbed, a possible caution sign.

August 17, 2026

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Looking to the Futures

Crude oil futures (/CL) moved higher Friday as traders continue to focus on concerns over limited traffic through the Strait of Hormuz and still-tight global crude oil supplies.

August 17, 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.