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Perspectives

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

Retirement

Financial Benefits of Marriage

Getting married may not be a financial decision, but it can have major financial consequences that can take you by surprise. Here are some important things to consider.

November 04, 2026 • Edwin Espinal

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Biases to Avoid in Retirement

Making consequential financial decisions in a heightened emotional state generally isn't a good idea. Here are some tips to exert control.

October 29, 2026

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Creating a Retirement Paycheck

From understanding your income sources to prioritizing your withdrawals, creating steady retirement income is a complex undertaking. Consider these five rules to help guide you.

October 29, 2026

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Tips for an Early Retirement

Here's how to figure out how your budget and savings would be affected if you had to retire earlier than anticipated.

October 28, 2026

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Save or Pay Off Student Loans?

Just because you have student loans to pay off doesn't mean you should put saving and investing on hold—you don't have to prioritize one over the other.

October 28, 2026

Investing Strategies

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Stocks Mixed After Election

The rotation out of tech continued early today, drawing fresh tailwinds from Tuesday's dramatic U.S. election that put AI firms on notice. Productivity in Q3 topped estimates.

November 05, 2026 • Joe Mazzola

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Looking to the Futures

S&P 500 E-mini futures recovered sharply on Wednesday after digesting the results of the U.S. midterm elections and lower oil prices.

November 05, 2026

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Today's Options Market Update

The Democrats' dramatic victory last night ended election uncertainty, taking pressure off of Wall Street. Treasury yields fell and gold rose, while chip and AI stocks were mixed.

November 04, 2026

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Tax-Aware Long-Short Investing

Tax-aware long-short strategies have gained popularity as investors recognize how taxes affect total returns. Here's how they work and how they differ from direct indexing.

November 03, 2026

Markets & Economy

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Looking to the Futures

S&P 500 E-mini futures recovered sharply on Wednesday after digesting the results of the U.S. midterm elections and lower oil prices.

November 05, 2026

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Stocks Mixed After Election

The rotation out of tech continued early today, drawing fresh tailwinds from Tuesday's dramatic U.S. election that put AI firms on notice. Productivity in Q3 topped estimates.

November 05, 2026

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Spinning Wheel: What Goes Up…

Major market indexes might look calm year to date, but subsurface churn has become increasingly intense, which is also being reflected in some economic growth data.

November 04, 2026

Personal Finance & Planning

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Stocks Mixed After Election

The rotation out of tech continued early today, drawing fresh tailwinds from Tuesday's dramatic U.S. election that put AI firms on notice. Productivity in Q3 topped estimates.

November 05, 2026

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Looking to the Futures

S&P 500 E-mini futures recovered sharply on Wednesday after digesting the results of the U.S. midterm elections and lower oil prices.

November 05, 2026

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Spinning Wheel: What Goes Up…

Major market indexes might look calm year to date, but subsurface churn has become increasingly intense, which is also being reflected in some economic growth data.

November 04, 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.