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Perspectives

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

Retirement

How Does a Roth IRA Work?

Even if you don't have an employer sponsored retirement plan, it's still important to save for your future.

December 03, 2025 • Patrick Means

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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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10 Money Questions and Answers

Almost everyone has money questions. Here are 10 everyday money questions and answers to help you now.

December 03, 2025

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Retirement Health Care Costs

Four tips for managing health care costs in retirement.

November 19, 2025

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Annuities and Estate Planning

If you have an annuity you no longer need, consider these five ways to deploy the extra income in your estate plan.

November 19, 2025

Investing Strategies

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Stocks are mixed and yields are lower after ADP reported November job losses of 32,000 and a report surfaced that Microsoft is lowering its sales quotas. Fed rate cut hopes hit 90% on this new sign of economic softness.

December 03, 2025 • Joe Mazzola

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2026 Fixed Income Outlook

Overall, we expect 2026 to be another good year of returns for bond investors, but the range of potential outcomes is wide.

December 03, 2025

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Stocks Up, Yields Down

Stocks rose and yields fell early, with stocks holding gains after ADP reported November job losses of 32,000. Fed rate cut hopes hit 90% on this new sign of economic softness.

December 03, 2025

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Looking to the Futures

Grain futures are mixed leading into Wednesday’s session. Corn and wheat futures are lower after finishing Tuesday’s session higher and soybean futures are looking to start the day higher after slipping Tuesday.

December 03, 2025

Markets & Economy

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Today's Options Market Update

December 03, 2025

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2026 Fixed Income Outlook

Overall, we expect 2026 to be another good year of returns for bond investors, but the range of potential outcomes is wide.

December 03, 2025

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Stocks Up, Yields Down

Stocks rose and yields fell early, with stocks holding gains after ADP reported November job losses of 32,000. Fed rate cut hopes hit 90% on this new sign of economic softness.

December 03, 2025

Personal Finance & Planning

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Today's Options Market Update

December 03, 2025

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2026 Fixed Income Outlook

Overall, we expect 2026 to be another good year of returns for bond investors, but the range of potential outcomes is wide.

December 03, 2025

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Stocks Up, Yields Down

Stocks rose and yields fell early, with stocks holding gains after ADP reported November job losses of 32,000. Fed rate cut hopes hit 90% on this new sign of economic softness.

December 03, 2025

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.