Perspectives
Expert insight & commentary on retirement, personal finance, investing strategies and more from Charles Schwab & Co., Inc.
Retirement
401(k) Tax Deductions
You may be eligible for a 401(k) tax deduction if you have a retirement account. Read about contribution limits, employer contributions, and tax-deferred alternatives.
Social Security Guide
You may be eligible to collect Social Security as early as 62, but waiting until age 70 yields greater benefits for most people. Here's help on how to decide.
Taxes in Retirement
As you approach and enter your golden years, calculating your tax obligations could be tricky.
Choices Beyond a Roth IRA
If you're interested in contributing to a Roth IRA but your income exceeds IRS limits, you still have options to save for retirement in a tax-smart way.
Contribution Limits for 2025
Under the SECURE 2.0 Act, catch-up contributions for older workers get a boost this year. Here's a look at what else is new for contribution and gifting limits in 2025.
Investing Strategies
Today's Options Market Update
Stocks are modestly higher in choppy price action as markets digest data and attempt to register a stretch of three-day gains.
Markets Flat Ahead of Data
Investors appeared to be hesitant ahead of the opening bell despite Monday's rally. More real estate and consumer data is expected this morning, which may be adding to uncertainty.
Looking to the Futures
Live cattle traded lower in Monday’s trading likely from technical resistance after recently reaching new highs.
Weekly Trader's Outlook
Stocks are down slightly today, around 0.50%, and are on pace for their fifth consecutive weekly loss, as broader concerns about trade policy, slowing economic data, and waning consumer sentiment continue to drag down investor optimism. All major indices were in correction territory at some point during the week, at least 10% below their highs, however, volatility has continued to abate, suggesting perhaps that traders believe there may be some near-term consolidating around these current levels.
Markets & Economy
Today's Options Market Update
Stocks are modestly higher in choppy price action as markets digest data and attempt to register a stretch of three-day gains.
Markets Flat Ahead of Data
Investors appeared to be hesitant ahead of the opening bell despite Monday's rally. More real estate and consumer data is expected this morning, which may be adding to uncertainty.
Looking to the Futures
Live cattle traded lower in Monday’s trading likely from technical resistance after recently reaching new highs.
Personal Finance & Planning
Today's Options Market Update
Stocks are modestly higher in choppy price action as markets digest data and attempt to register a stretch of three-day gains.
Markets Flat Ahead of Data
Investors appeared to be hesitant ahead of the opening bell despite Monday's rally. More real estate and consumer data is expected this morning, which may be adding to uncertainty.
Looking to the Futures
Live cattle traded lower in Monday’s trading likely from technical resistance after recently reaching new highs.
Money Talk
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.
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.
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.
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.
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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.