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Perspectives

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

Retirement

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 • Rob Williams

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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

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Having the Long-Term Care Talk

Starting a conversation with loved ones about long-term care can be intimidating, however, having the talk can help both parties plan ahead and make important decisions together.

January 15, 2026

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Managing Social Security Taxes

High-income retirees are all but guaranteed to pay tax on their Social Security benefits. Here's how you can manage your overall tax hit before and after you start collecting.

January 14, 2026

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7 Moves to Financial Fitness

Resolving to get in better financial shape this year is a great idea. Here are seven smart moves to help you actually do it.

January 05, 2026

Investing Strategies

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Today's Options Market Update

Markets were down overnight but rebounded on Trump's nomination of Kevin Warsh as Fed chair. The Producer Price Index puts inflation data in focus, landing above expectations.

January 30, 2026 • Joe Mazzola

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Weekly Trader's Outlook

Stocks are on track to be slightly lower on the week following a strong start as earnings, currency moves, and news flow stimulate market volatility.

January 30, 2026

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Stocks Off Lows on Fed News

Markets were down overnight but rebounded on Trump's nomination of Kevin Warsh as Fed chair. The Producer Price Index puts inflation data in focus, landing above expectations.

January 30, 2026

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Looking to the Futures

Crude Oil continued its surge on Thursday reaching 4-month highs off escalating Middle East tensions and the threat of supply disruption due to a potential U.S. attack on Iran.

January 30, 2026

Markets & Economy

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Weekly Trader's Outlook

Stocks are on track to be slightly lower on the week following a strong start as earnings, currency moves, and news flow stimulate market volatility.

January 30, 2026

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Today's Options Market Update

Markets were down overnight but rebounded on Trump's nomination of Kevin Warsh as Fed chair. The Producer Price Index puts inflation data in focus, landing above expectations.

January 30, 2026

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Stocks Off Lows on Fed News

Markets were down overnight but rebounded on Trump's nomination of Kevin Warsh as Fed chair. The Producer Price Index puts inflation data in focus, landing above expectations.

January 30, 2026

Personal Finance & Planning

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Weekly Trader's Outlook

Stocks are on track to be slightly lower on the week following a strong start as earnings, currency moves, and news flow stimulate market volatility.

January 30, 2026

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Today's Options Market Update

Markets were down overnight but rebounded on Trump's nomination of Kevin Warsh as Fed chair. The Producer Price Index puts inflation data in focus, landing above expectations.

January 30, 2026

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Stocks Off Lows on Fed News

Markets were down overnight but rebounded on Trump's nomination of Kevin Warsh as Fed chair. The Producer Price Index puts inflation data in focus, landing above expectations.

January 30, 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.