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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

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

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

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

Late-in-Life Career Change

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

June 05, 2026

Investing Strategies

Stocks Down but Chips Up

Though memory chip names kept climbing, the overall rally slowed early today despite another drop in crude and yields. Investors await tomorrow's Fed meeting and retail sales.

June 16, 2026 Joe Mazzola

Looking to the Futures

Gold futures (/GC) boasts a strong correlation to the E-mini S&P 500 (/ES) future.

June 16, 2026

Today's Options Market Update

Stocks are starting the week in a bullish mode as investors applaud reports of a potential U.S.-Iran agreement which may include a re-opening of the Strait of Hormuz.

June 15, 2026

Weekly Trader's Outlook

Stocks are on track for weekly gains following a bumpy start as reports of a potential Iran deal, and lower oil prices and yield lift investor sentiment.

June 12, 2026

Markets & Economy

Stocks Down but Chips Up

Though memory chip names kept climbing, the overall rally slowed early today despite another drop in crude and yields. Investors await tomorrow's Fed meeting and retail sales.

June 16, 2026

Looking to the Futures

Gold futures (/GC) boasts a strong correlation to the E-mini S&P 500 (/ES) future.

June 16, 2026

Monday's Schwab Market Update Podcast

Investors turn their attention to Kevin Warsh's first meeting as Fed chair after the SpaceX IPO and hopes for an Iran deal helped equities end a volatile week on a high note.

June 15, 2026

Personal Finance & Planning

Stocks Down but Chips Up

Though memory chip names kept climbing, the overall rally slowed early today despite another drop in crude and yields. Investors await tomorrow's Fed meeting and retail sales.

June 16, 2026

Looking to the Futures

Gold futures (/GC) boasts a strong correlation to the E-mini S&P 500 (/ES) future.

June 16, 2026

Monday's Schwab Market Update Podcast

Investors turn their attention to Kevin Warsh's first meeting as Fed chair after the SpaceX IPO and hopes for an Iran deal helped equities end a volatile week on a high note.

June 15, 2026

Money Talk

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

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

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

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.