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Perspectives

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

Retirement

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 • Hayden Adams

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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

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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

Investing Strategies

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STAX Trends: Gen X Leads the Pack

The Schwab Trading Activity Index™, which tracks client activity to gauge sentiment, hit a multi-year high in June. Gen X lead the bullish charge, but Millennials closed the gap.

July 08, 2026 • Will Daniel

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The New Temperamental Era

The Great Moderation has given way to a more volatile era, where inflation shocks and market dispersion favor flexibility and diversification.

July 08, 2026

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Today's Options Market Update

Investors are in risk-off mode, and oil prices are higher, after an Iran attack prompted President Trump to cancel the U.S./Iran ceasefire.

July 08, 2026

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Looking to the Futures

The blue-chip index crossed above 53,000 for the first time this week.

July 08, 2026

Markets & Economy

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Today's Options Market Update

Investors are in risk-off mode, and oil prices are higher, after an Iran attack prompted President Trump to cancel the U.S./Iran ceasefire.

July 08, 2026

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The New Temperamental Era

The Great Moderation has given way to a more volatile era, where inflation shocks and market dispersion favor flexibility and diversification.

July 08, 2026

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Looking to the Futures

The blue-chip index crossed above 53,000 for the first time this week.

July 08, 2026

Personal Finance & Planning

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Today's Options Market Update

Investors are in risk-off mode, and oil prices are higher, after an Iran attack prompted President Trump to cancel the U.S./Iran ceasefire.

July 08, 2026

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The New Temperamental Era

The Great Moderation has given way to a more volatile era, where inflation shocks and market dispersion favor flexibility and diversification.

July 08, 2026

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Looking to the Futures

The blue-chip index crossed above 53,000 for the first time this week.

July 08, 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.