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Perspectives

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

Retirement

What Is the FIRE Movement?

Even if early retirement isn't your goal, FIRE principles may help savers build more financial independence over time.

June 10, 2026 • Edwin Espinal

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Catchup Rules for High Earners

Starting in 2026, high earners are subject to new rules for catch-up contributions. Here's what it could mean for them.

June 05, 2026

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The Costs of a Longer Life

As people live longer, they face the prospect of ultimately paying more for health care. Here are some considerations to help you plan for these increased costs.

June 05, 2026

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Managing Social Security Taxes

High-income retirees are all but guaranteed to pay tax on their Social Security benefits. Here's how you can manage your overall tax hit before and after you start collecting.

June 05, 2026

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Late-in-Life Career Change

Leaving an employer later in life presents unique challenges and considerations.

June 05, 2026

Investing Strategies

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Looking to the Futures

Crude oil futures (/CL) remained under pressure as bears continued to drive the near-term narrative.

July 06, 2026 • Michael Zarembski

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Stocks Up as Chips Surge

Chips, which sold off last week, resumed their surge this morning and lifted major indexes to early gains. The week ahead includes Fed minutes and earnings from Delta and PepsiCo.

July 06, 2026

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Rotation Beneath the Surface

As buying power rotates away from Mag 7 stocks, it is rotating toward everything else—small caps, cyclicals, and even bitcoin, which is perched at potential support.

July 02, 2026

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Weekly Trader's Outlook

Selling pressure continued in the tech sector as investors rotate out of the momentum trade into other areas of the market.

July 02, 2026

Markets & Economy

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Monday's Schwab Market Update Podcast

The calendar is light this week, with earnings season around the corner. Investors may scrutinize Fed minutes on Wednesday while the Dow strives to continue outperforming.

July 06, 2026

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Looking to the Futures

Crude oil futures (/CL) remained under pressure as bears continued to drive the near-term narrative.

July 06, 2026

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Stocks Up as Chips Surge

Chips, which sold off last week, resumed their surge this morning and lifted major indexes to early gains. The week ahead includes Fed minutes and earnings from Delta and PepsiCo.

July 06, 2026

Personal Finance & Planning

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Monday's Schwab Market Update Podcast

The calendar is light this week, with earnings season around the corner. Investors may scrutinize Fed minutes on Wednesday while the Dow strives to continue outperforming.

July 06, 2026

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Looking to the Futures

Crude oil futures (/CL) remained under pressure as bears continued to drive the near-term narrative.

July 06, 2026

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Stocks Up as Chips Surge

Chips, which sold off last week, resumed their surge this morning and lifted major indexes to early gains. The week ahead includes Fed minutes and earnings from Delta and PepsiCo.

July 06, 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.