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Perspectives

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

Retirement

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 • Michael Townsend • Austin Jarvis

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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

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403(b) vs. 457(b) Plans

If you're considering a 403(b) or 457(b) retirement plan, here are the eligibility rules, contribution limits, and withdrawal rules to keep in mind.

July 08, 2026

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What Is a 457(b) Plan?

A 457(b) plan can help eligible government and certain nonprofit employees save for retirement. Learn what to consider before contributing.

July 08, 2026

Investing Strategies

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Looking to the Futures

Friday’s July USDA World Agricultural Supply and Demand Estimates (WASDE) report delivered a few surprises for grain traders, even with the growing season still in its early stages,

July 14, 2026 • Michael Zarembski

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Stocks Up Early on CPI Data

Inflation data from June hit lower than Wall Street estimates, lifting stocks early. Bank earnings generally impressed, and Fed Chair Warsh testifies before Congress later today.

July 14, 2026

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Service Prices a Worry for Fed

Inflation in the services sector has gained steam in recent months, making life harder for Federal Reserve policymakers regardless of what happens with oil prices.

July 13, 2026

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The Global Earnings Boom

The global earnings boom may support stocks, but concentration risks remain. Investors should consider diversifying beyond a narrow group of AI beneficiaries.

July 13, 2026

Markets & Economy

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Looking to the Futures

Friday’s July USDA World Agricultural Supply and Demand Estimates (WASDE) report delivered a few surprises for grain traders, even with the growing season still in its early stages,

July 14, 2026

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Stocks Up Early on CPI Data

Inflation data from June hit lower than Wall Street estimates, lifting stocks early. Bank earnings generally impressed, and Fed Chair Warsh testifies before Congress later today.

July 14, 2026

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Monday's Schwab Market Update Podcast

The week starts slowly but accelerates tomorrow with CPI, big bank results, and congressional testimony by Fed Chair Warsh. Two key chip industry firms report later this week.

July 13, 2026

Personal Finance & Planning

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Looking to the Futures

Friday’s July USDA World Agricultural Supply and Demand Estimates (WASDE) report delivered a few surprises for grain traders, even with the growing season still in its early stages,

July 14, 2026

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Stocks Up Early on CPI Data

Inflation data from June hit lower than Wall Street estimates, lifting stocks early. Bank earnings generally impressed, and Fed Chair Warsh testifies before Congress later today.

July 14, 2026

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The Global Earnings Boom

The global earnings boom may support stocks, but concentration risks remain. Investors should consider diversifying beyond a narrow group of AI beneficiaries.

July 13, 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.