Perspectives
Expert insight & commentary on retirement, personal finance, investing strategies and more from Charles Schwab & Co., Inc.
Retirement
Roth IRA Withdrawals
When retirement is years away, most investors tend to focus more on saving and less on what will happen when it's time to take their money out.


High Incomes and Medicare
Medicare premiums can jump sharply if your retirement income rises above certain levels, but there are steps you can take to prepare and minimize the impact.

Retirement Saving and Living
Retirement is an important and often stressful planning, saving, and investing goal. Learn from those who have been through it.

The Business of Consulting
If you're ready to leave an employer and strike out on your own as a consultant, it helps to plan ahead, set up a separate business structure, and make sure you're properly insured.

What Is a Roth IRA?
Roth IRAs are individual retirement accounts that you contribute to with after-tax dollars (income you've already paid taxes on). The benefit? Your savings can grow tax-free.
Investing Strategies

Schwab Market Update: Closing
The major equities indexes recovered some ground in a late-session bounce after spending most of the day weighed by concerns over Treasury yields and fuel prices.

Financial Resolutions
Here are five steps we encourage all investors to consider taking to help boost their financial fitness at any time of the year.

Schwab Market Update: Opening
Easing treasury yields helped stocks find their footing in premarket trading this morning after another sharp decline Tuesday. But the near-term trend appears down as market breadth looks weak, and the dollar and crude oil both continue to climb.

Today's Options Market Update
The toxic trifecta of rising yields, a firm dollar, and expensive crude oil remains in place, but a slight pullback in Treasury yields appeared to give major indexes an overnight lift. Shares of some mega-caps rose ahead of the open, but Costco (COST) fell after its earnings report.
Markets & Economy

Schwab Market Update: Closing
The major equities indexes recovered some ground in a late-session bounce after spending most of the day weighed by concerns over Treasury yields and fuel prices.

Schwab Market Update: Opening
Easing treasury yields helped stocks find their footing in premarket trading this morning after another sharp decline Tuesday. But the near-term trend appears down as market breadth looks weak, and the dollar and crude oil both continue to climb.

Today's Options Market Update
The toxic trifecta of rising yields, a firm dollar, and expensive crude oil remains in place, but a slight pullback in Treasury yields appeared to give major indexes an overnight lift. Shares of some mega-caps rose ahead of the open, but Costco (COST) fell after its earnings report.
Personal Finance & Planning

Schwab Market Update: Closing
The major equities indexes recovered some ground in a late-session bounce after spending most of the day weighed by concerns over Treasury yields and fuel prices.

Today's Options Market Update
The toxic trifecta of rising yields, a firm dollar, and expensive crude oil remains in place, but a slight pullback in Treasury yields appeared to give major indexes an overnight lift. Shares of some mega-caps rose ahead of the open, but Costco (COST) fell after its earnings report.

Schwab Market Update: Opening
Easing treasury yields helped stocks find their footing in premarket trading this morning after another sharp decline Tuesday. But the near-term trend appears down as market breadth looks weak, and the dollar and crude oil both continue to climb.
Ask Carrie

A Credit Card Debt Exit Plan
Millions of Americans feel trapped by credit card debt. You don't have to be one of them. Here's an exit strategy.

Air Jordans: Diversification
My Jordan sneaker collection is an example of diversification in your portfolio. Explore why that is important.

Medicare Decisions to Make Now
There's more to enrolling in Medicare than just turning 65. Make these Medicare decisions ahead of time—then celebrate.

Budgeting for Student Loans
Ready to face the return of student loan repayments? Conquer your budget by tracking expenses, cutting back on non-essentials, and balancing debt payment with retirement savings.
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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 type of securities and investment strategies mentioned 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 or economic conditions.