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Perspectives

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

Retirement

401(k)—Scam or Smart Move?

Have you heard on social media that a 401(k) is a scam? Here's why it isn't—and ideas on how you can use it wisely.

February 04, 2026 • Cindy Scott

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Life Insurance Alternatives

Retirees can use a life insurance retirement plan to supplement their income, but it might not be the most effective strategy. Here are three alternatives to consider.

February 03, 2026

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401(k) Student Loan Match

Learn how the 401(k) student loan match works and how the new, optional program for employers can allow employees to save for retirement while also paying down student debt.

February 02, 2026

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Sequence-of-Returns Risk

If you are close to retiring, beware of the little-known sequence-of-returns risk that could take a huge slice out of your retirement income.

January 30, 2026

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401(k) Contribution Limits

Learn the latest IRS 401(k) contribution limits (including catch-up and super catch-up rules) and how to plan contributions to maximize tax benefits.

January 29, 2026

Investing Strategies

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Today's Options Market Update

A 10% early drop in Advanced Micro Devices after its guidance disappointed put new pressure on tech ahead of Alphabet's results later. ADP jobs data missed consensus at 22,000.

February 04, 2026 • Joe Mazzola

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Tech Hit Again as AMD Falls

A 10% early drop in Advanced Micro Devices after its guidance disappointed put new pressure on tech ahead of Alphabet's results later. ADP jobs data missed consensus at 22,000.

February 04, 2026

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Looking to the Futures

Despite the 30-point drop on Friday, the white metal is up 25% for the year.

February 04, 2026

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3 Ways to Pass Down a Home

The pros and cons of different methods for leaving a home to your heirs.

February 02, 2026

Markets & Economy

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Earnings Season So Far

Earnings results are shaping up to be quite solid this season, albeit a bit weaker relative to prior quarters when it comes to beat rates and price reactions.

February 04, 2026

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Today's Options Market Update

A 10% early drop in Advanced Micro Devices after its guidance disappointed put new pressure on tech ahead of Alphabet's results later. ADP jobs data missed consensus at 22,000.

February 04, 2026

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Tech Hit Again as AMD Falls

A 10% early drop in Advanced Micro Devices after its guidance disappointed put new pressure on tech ahead of Alphabet's results later. ADP jobs data missed consensus at 22,000.

February 04, 2026

Personal Finance & Planning

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Today's Options Market Update

A 10% early drop in Advanced Micro Devices after its guidance disappointed put new pressure on tech ahead of Alphabet's results later. ADP jobs data missed consensus at 22,000.

February 04, 2026

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Earnings Season So Far

Earnings results are shaping up to be quite solid this season, albeit a bit weaker relative to prior quarters when it comes to beat rates and price reactions.

February 04, 2026

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Tech Hit Again as AMD Falls

A 10% early drop in Advanced Micro Devices after its guidance disappointed put new pressure on tech ahead of Alphabet's results later. ADP jobs data missed consensus at 22,000.

February 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 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.

August 07, 2024

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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.