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Perspectives

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

Retirement

Roth IRA Conversion and Taxes

How to make the most of a Roth IRA conversion.

August 06, 2026 • Hayden Adams

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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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Tapping an IRA to Buy a Home

Can you tap your IRA to help buy a home? The short answer is yes. But the better question is "should you?" Here are some caveats to consider before you touch your retirement money.

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

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Working in Retirement

If you've retired but are considering returning to work, be aware that your decision may affect your Social Security and Medicare benefits.

August 04, 2026

Investing Strategies

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STAX Trends: Gen X Buys Dip

The Schwab Trading Activity Index™, which tracks client activity to gauge sentiment, rose to its highest level in 54 months in July. Gen X bought the dip; Gen Z turned cautious.

August 11, 2026 • Will Daniel

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What Is Swing Trading?

Swing trading seeks to profit from moves lasting from days to weeks by using technical analysis to spot price patterns. It requires skill, precise execution, and discipline.

August 11, 2026

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Stocks Flat Before CPI

Stocks were flat to slightly higher early, awaiting tomorrow's CPI inflation report. Oil came off its peak on rumored peace progress. Yields remain elevated, a possible headwind.

August 11, 2026

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Looking to the Futures

Grain markets are heading into one of the more closely watched USDA reports of the summer.

August 11, 2026

Markets & Economy

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Looking to the Futures

Grain markets are heading into one of the more closely watched USDA reports of the summer.

August 11, 2026

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Stocks Flat Before CPI

Stocks were flat to slightly higher early, awaiting tomorrow's CPI inflation report. Oil came off its peak on rumored peace progress. Yields remain elevated, a possible headwind.

August 11, 2026

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Diversification, Concentration

Tech and AI are driving a greater share of global equity market returns and earnings growth, raising concentration risks and the need for broader diversification.

August 10, 2026

Personal Finance & Planning

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Looking to the Futures

Grain markets are heading into one of the more closely watched USDA reports of the summer.

August 11, 2026

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Stocks Flat Before CPI

Stocks were flat to slightly higher early, awaiting tomorrow's CPI inflation report. Oil came off its peak on rumored peace progress. Yields remain elevated, a possible headwind.

August 11, 2026

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Did Inflation Turn in June?

Chair Kevin Warsh and Federal Reserve policymakers voted to keep rates unchanged while waiting for more evidence on inflation. Will July's inflation data clarify the path ahead?

August 10, 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

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.