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Onward

Schwab's quarterly magazine for clients invested in their financial futures

Features

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Investing in Private Assets

In search of higher returns, investors are increasingly considering private assets.

August 14, 2026

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Tips for Investing for Teens

Teens' greatest investing advantage is time. Piquing their interest with approachable, real-world lessons can help them build a foundation for lasting financial security.

August 14, 2026

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The Cash Trap

How to stay liquid without shortchanging your long-term goals.

August 14, 2026

Perspectives

Using AI Trading Tools

Artificial intelligence (AI) trading tools can generate ideas, streamline research, and more. Here are four ways a trader can incorporate them into their trading process.

August 14, 2026

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Geopolitical Uncertainty

Geopolitical developments at home and abroad could have longer-lasting impacts on the markets. Here, three experts discuss what it all means for investors.

August 14, 2026

thinkorswim® spotlight

thinkorswim® App and AI

The thinkorswim® desktop app has dozens of sophisticated features that can replicate much of the efficiency that artificial intelligence (AI) tools offer.

August 14, 2026

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Q&A

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Are IPOs Worth the Hype?

The possibility of getting in on the ground floor of the next big stock-market success makes initial public offerings (IPOs) attractive, but their longer-term prospects may be less rosy.

August 14, 2026

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Aging and Financial Autonomy

Failing to plan for cognitive decline can put your assets at risk. Involving adult children early helps ensure they're ready to step in if necessary.

August 14, 2026

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Politics and Your Portfolio

Inflation, a tense global landscape, and the midterms have markets on edge. Here's what developments in Washington could mean for your portfolio.

August 14, 2026

Quick takes

Timing a Roth IRA Conversion

A Roth IRA conversion is one way high earners can access tax-free growth of their retirement savings. Consider the reasons for making a lump-sum conversion versus spreading it out.

August 14, 2026

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The Shrinking Credit Spread

Corporate bond yields aren't much higher than low-risk Treasuries. Here's what to know before investing in them.

August 14, 2026

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Social Security Do-Over

If you take Social Security before age 70 and later wish you had waited to collect, you may be able to pay back or pause benefits to receive an increase in payouts later.

August 14, 2026

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HSA Tax and Inheritance Rules

HSAs are one of the least tax-efficient accounts to leave to nonspouse heirs. Here's how to help capture their full tax advantages during your lifetime.

August 14, 2026

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What Is Securities Lending?

For owners of certain hard-to-borrow stocks, securities lending can potentially provide a stream of passive income without disrupting your long-term portfolio.

August 14, 2026

From our leaders

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Print editions

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From the archives

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Charitable Remainder Trusts

A charitable remainder trust can provide a tax break and income for life.

November 11, 2022

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Trading Simple Moving Averages

A stock's simple moving average can help traders identify when trends are established or broken. Here's how to employ them in your own trading.

November 11, 2022

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Bond Investment Strategies

Choosing between a bond ladder, a barbell, and a bullet should depend on your goals and timeframe. Here's how to decide which individual bond investment strategy may best fit your needs.

June 09, 2023

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8 Common Bond Yields

What a bond pays can be calculated in many ways. Here are eight common measures, including yield to maturity and yield to call, for assessing a bond's yield relative to your goals.

June 09, 2023

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Creating a Special-Needs Trust

For estate owners who have heirs with disabilities, providing financial support is paramount. A special-needs trust can help protect vulnerable family members without affecting government benefits.

August 11, 2023

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Should You Start a Foundation?

Is a private foundation the best way to further your family's philanthropic goals? Here's how to decide—and why you might consider a donor-advised fund instead.

October 27, 2023

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Tactical Allocation Tilts

How to implement tactical allocation tilts based on short-term market expectations.

November 10, 2023

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Beware AI Voice Cloning Scams

Fraudsters can use artificial intelligence to impersonate nearly anyone. Here's how to help protect yourself from AI voice-cloning scams.

November 17, 2023

Explore more topics

Retirement IRA Taxes Investments Financial Planning Estate Planning Portfolio Management

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This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions.

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.

For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve.

Past performance is no guarantee of future results.

Investing involves risk, including, for some products, more than your initial investment.

Equity and index options carry a high level of risk and are not suitable for all investors. Certain requirements must be met to trade options through Schwab. Please read the Options Disclosure Document titled "Characteristics and Risks of Standardized Options" before considering any option transaction. Supporting documentation for any claims or statistical information is available upon request.

Hedging and protective strategies generally involve additional costs and do not assure a profit or guarantee against loss.

With long options, investors may lose 100% of funds invested.

Spread trading must be done in a margin account.

Multiple leg options strategies will involve multiple transaction costs.

Covered calls provide downside protection only to the extent of premiums received, and prevent any profitability above the strike price of the call.

Futures, and Futures options trading involves substantial risk and is not suitable for all investors. Please read the Risk Disclosure Statement for Futures and Options prior to trading futures products.

Forex trading involves leverage, carries a substantial level of risk, and is not suitable for all investors. Please read the Risk Disclosure for Forex: https://www.schwab.com/resource/forex-risk-disclosure-statement.

Futures and forex accounts are not protected by the Securities Investor Protection Corporation (SIPC). Forex accounts do not receive a preference in any bankruptcy proceeding pursuant to Part 190 of the CFTC's regulations.

Read additional CFTC and NFA futures and forex public disclosures for Charles Schwab Futures and Forex LLC.

Futures, futures options, and forex trading services provided by Charles Schwab Futures and Forex LLC. Trading privileges subject to review and approval. Not all clients will qualify. Forex accounts are not available to residents of Ohio or Arizona.

Charles Schwab Futures and Forex LLC., is a CFTC-registered Futures Commission Merchant and NFA Forex Dealer Member.

Charles Schwab Futures and Forex LLC (NFA Member) and Charles Schwab & Co., Inc. (Member SIPC) are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.

This information provided here is for general informational purposes only, and is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, you should consult with a qualified tax advisor, CPA, Financial Planner, or Investment Manager.