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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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What Is a Roth Conversion?

A Roth IRA conversion involves moving assets from other retirement plans into your Roth IRA. Learn how to convert a Roth IRA and whether it's right for you.

August 05, 2026

Investing Strategies

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Today's Options Market Update

The long summer rally ran into headwinds this week as the 60-day ceasefire ended without a resolution and bond yields and oil climbed globally. Tech, especially chips, fell early.

August 18, 2026 • Joe Mazzola

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Looking to the Futures

The U.S. Department of Agriculture (USDA) released its latest World Agricultural Supply and Demand Estimates (WASDE) report on August 12.

August 18, 2026

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Stocks Hit by Oil, Yields

The long summer rally ran into headwinds this week as the 60-day ceasefire ended without a resolution and bond yields and oil climbed globally. Tech, especially chips, fell early.

August 18, 2026

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Understanding Dividend Risk

When holding a short call option on a dividend-paying stock, traders should understand how dividend risk can affect options pricing, early assignment, and strategy outcomes.

August 17, 2026

Markets & Economy

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2026 Midterms and the Markets

The 2026 midterms could reshape control of Congress, raising the odds of divided government and near-term market volatility, but investors should stay focused on long-term goals.

August 18, 2026

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Today's Options Market Update

The long summer rally ran into headwinds this week as the 60-day ceasefire ended without a resolution and bond yields and oil climbed globally. Tech, especially chips, fell early.

August 18, 2026

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Looking to the Futures

The U.S. Department of Agriculture (USDA) released its latest World Agricultural Supply and Demand Estimates (WASDE) report on August 12.

August 18, 2026

Personal Finance & Planning

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Today's Options Market Update

The long summer rally ran into headwinds this week as the 60-day ceasefire ended without a resolution and bond yields and oil climbed globally. Tech, especially chips, fell early.

August 18, 2026

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2026 Midterms and the Markets

The 2026 midterms could reshape control of Congress, raising the odds of divided government and near-term market volatility, but investors should stay focused on long-term goals.

August 18, 2026

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Looking to the Futures

The U.S. Department of Agriculture (USDA) released its latest World Agricultural Supply and Demand Estimates (WASDE) report on August 12.

August 18, 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.