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Perspectives

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

Retirement

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 • Cindy Scott

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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

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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

Investing Strategies

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Understanding Analyst Ratings

Research analysts assign buy, sell, hold, and other ratings to stocks in their research reports. Here's what these stock ratings mean, and how investors can use them.

September 08, 2026

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Global Diesel Supply Crunch

Wars have left global refineries struggling to meet demand for diesel fuel, pushing U.S. diesel exports to a record high and raising costs for businesses and consumers.

September 08, 2026

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Thematic vs. Sector Funds

Thematic investing strategies can help you diversify in different ways than a sector-based fund might—just make sure you know what you're buying.

September 08, 2026

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Today's Options Market Update

Stocks are lower to start the holiday-shortened week as higher oil prices, driven by additional Iran attacks, weigh on inflation expectations & investor risk appetite.

September 08, 2026

Markets & Economy

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Global Diesel Supply Crunch

Wars have left global refineries struggling to meet demand for diesel fuel, pushing U.S. diesel exports to a record high and raising costs for businesses and consumers.

September 08, 2026

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Today's Options Market Update

Stocks are lower to start the holiday-shortened week as higher oil prices, driven by additional Iran attacks, weigh on inflation expectations & investor risk appetite.

September 08, 2026

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Stocks Down as Oil Rises

With investors digesting Friday's hot August jobs data that triggered fresh rate worries, they return from a long weekend awaiting CPI and PPI data along with Treasury auctions.

September 08, 2026

Personal Finance & Planning

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Global Diesel Supply Crunch

Wars have left global refineries struggling to meet demand for diesel fuel, pushing U.S. diesel exports to a record high and raising costs for businesses and consumers.

September 08, 2026

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Today's Options Market Update

Stocks are lower to start the holiday-shortened week as higher oil prices, driven by additional Iran attacks, weigh on inflation expectations & investor risk appetite.

September 08, 2026

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Stocks Down as Oil Rises

With investors digesting Friday's hot August jobs data that triggered fresh rate worries, they return from a long weekend awaiting CPI and PPI data along with Treasury auctions.

September 08, 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.