Retirement
Expert guidance for those on the road to retirement from Charles Schwab & Co., Inc.
Retirement
Save Now for Retirement
The sooner you start saving, the more likely you're likely to reach your retirement goals. Here are some numbers to put things in perspective.
457(b) & 403(b) Retirement Plans
Learn about the differences between 457(b) and 403(b) and how you might be eligible for this retirement account if you work for public service or the government.
Roth IRAs for High Earners
Even if your income is above the limit, you can still enjoy the tax advantages of a Roth IRA. Here are four ways to contribute to a coveted Roth account.
What is an annuity?
Annuities can be beneficial for turning some of your savings into guaranteed income. Here's what to know about annuities before making a decision.
The Saver's Tax Credit
If you contribute to an IRA, 401(k), or other retirement plan, you may qualify for the Saver's Credit. Learn more about how the Saver's Tax Credit works.
Retirement
High Incomes and Medicare
Medicare premiums can jump sharply if your retirement income rises above certain levels, but there are steps you can take to prepare and help minimize the impact.
Older Workers and IRAs
There are no age restrictions on IRA contributions. But does it make sense for older workers to make contributions as they near retirement? Here are three points to consider.
IRA Contribution Rules
What's the maximum IRA contribution? Are IRA contributions tax deductible? What if you contribute too much? Get answers to these questions and others before you open an account.
Retirement
IRA Contribution Rules
What's the maximum IRA contribution? Are IRA contributions tax deductible? What if you contribute too much? Get answers to these questions and others before you open an account.
Is an IRA Right for You?
IRAs can help you build wealth for retirement and potentially get tax breaks, either up front or in the future.
What Is an IRA?
Looking for a tax-smart way to save for your future? Find out what an IRA is, what it offers, and how the three main types differ.
Retirement
Common Types of Retirement Plans and Other Ways to Save
Learn about common types of retirement plans and key features, eligibility requirements, and contribution limits for retirement plans like 401(k)s, IRAs, and more.
Know the Five-Year Rule for Roths
There are actually several versions of the five-year rule governing Roth accounts, some of which overlap, and falling afoul of any of them could trigger additional taxes and penalties.
Working in Retirement
If you've retired but are considering returning to work, be aware that your decision may affect your Social Security and Medicare benefits.
Retirement
Inherited IRA RMDs
The IRS has waived RMD requirements from inherited IRAs for 2024. Here's how to decide whether you should take or skip the withdrawal.
Medicare Open Enrollment
Medicare open enrollment—which runs from October 15 through December 7 this year—is your chance to check in on your Medicare plan and, if needed, change it.
Save or Pay Off Student Loans?
Just because you have student loans to pay off doesn't mean you should put investing on hold to do it—you don't have to prioritize one over the other.
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Insights & Ideas 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. All expressions of opinion are subject to change without notice in reaction to shifting market conditions.