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Perspectives

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

Retirement

Your Retirement Lifestyle

When it comes to planning for retirement, determining your personal identity—and associated goals—is an important (and often overlooked) step.

July 17, 2026

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529-to-Roth IRA Rollovers

Unused 529 funds can be rolled into the beneficiary's Roth IRA without a tax penalty. But that's probably not a reason to overfund 529s.

July 15, 2026

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Social Security Benefit Cuts?

Fear around the future of Social Security payments is understandable, but it should not solely drive decisions on when to claim benefits.

July 09, 2026

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403(b) vs. 401(k)

If you're considering a 403(b) or 401(k) retirement plan, here are eligibility rules, contribution limits, and withdrawal rules to keep in mind.

July 08, 2026

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What Is a 403(b) Plan?

A 403(b) plan can help school employees, health care workers, and certain nonprofit employees save for retirement. Learn what to consider before contributing.

July 08, 2026

Investing Strategies

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Health Care Earnings Preview

Government cuts are hitting insurers and care providers, while some pharmaceutical companies are reaping the benefits of innovative obesity and diabetes drugs.

July 23, 2026 • Henry Hoenig

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Today's Options Market Update

Stocks are under pressure as tensions between the U.S. and Iran continue to escalate, which is sending oil prices and bond yields higher.

July 23, 2026

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Spending Fears, Oil Hit Stocks

Heavy AI spending by Tesla and Alphabet hurt tech stocks early. Meanwhile, Middle East escalation sent oil prices above $90 and Treasury yields to new 2026 highs, adding pressure.

July 23, 2026

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Looking to the Futures

Silver, copper, and platinum rallied over the past week.

July 23, 2026

Markets & Economy

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Today's Options Market Update

Stocks are under pressure as tensions between the U.S. and Iran continue to escalate, which is sending oil prices and bond yields higher.

July 23, 2026

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Health Care Earnings Preview

Government cuts are hitting insurers and care providers, while some pharmaceutical companies are reaping the benefits of innovative obesity and diabetes drugs.

July 23, 2026

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Looking to the Futures

Silver, copper, and platinum rallied over the past week.

July 23, 2026

Personal Finance & Planning

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Today's Options Market Update

Stocks are under pressure as tensions between the U.S. and Iran continue to escalate, which is sending oil prices and bond yields higher.

July 23, 2026

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Health Care Earnings Preview

Government cuts are hitting insurers and care providers, while some pharmaceutical companies are reaping the benefits of innovative obesity and diabetes drugs.

July 23, 2026

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Spending Fears, Oil Hit Stocks

Heavy AI spending by Tesla and Alphabet hurt tech stocks early. Meanwhile, Middle East escalation sent oil prices above $90 and Treasury yields to new 2026 highs, adding pressure.

July 23, 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.