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Perspectives

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

Retirement

What Is an Annuity?

Annuities can help turn retirement savings into predictable income, but they can be complex. Here's what to know before buying one.

July 29, 2026 • Austin Jarvis

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What Is a Roth IRA?

A Roth IRA is a retirement account that may offer tax-free growth and tax-free qualified withdrawals. Learn about eligibility, contributions, and withdrawals.

July 24, 2026

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What Is a Mega Backdoor Roth?

A mega backdoor Roth may help you save beyond standard contribution limits. Learn how it works, how it compares to a regular backdoor Roth, and more.

July 23, 2026

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Your Retirement Lifestyle

When it comes to planning for retirement, determining your personal identity—and associated goals—is an important (and often overlooked) step.

July 17, 2026

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529-to-Roth IRA Rollovers

Unused 529 funds can be rolled into the beneficiary's Roth IRA without a tax penalty. But that's probably not a reason to overfund 529s.

July 15, 2026

Investing Strategies

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5 Types of Mortgage Loans

Learn about the most common types of mortgages and what to consider when originating a home loan.

July 29, 2026 • Cindy Scott

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Today's Options Market Update

Stocks were under pressure in early trading as investors wait for the Federal Reserve's interest rate decision today. Oil prices jump after U.S. and Iran trade strikes.

July 29, 2026

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Stocks Under Pressure Early

Stocks were under pressure in early trading as investors wait for the Federal Reserve's interest rate decision today. Oil prices jump after U.S. and Iran trade strikes.

July 29, 2026

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Markets are watching today’s Fed decision and Chair Kevin Warsh’s afternoon remarks as rising crude prices, renewed Middle East tensions, and inflation concerns shape expectations for the path of interest rates.

July 29, 2026

Markets & Economy

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Trump Accounts: What to Know

Learn how Trump Accounts could help families save for their children's futures with flexible contributions and tax-free growth potential.

July 29, 2026

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Today's Options Market Update

Stocks were under pressure in early trading as investors wait for the Federal Reserve's interest rate decision today. Oil prices jump after U.S. and Iran trade strikes.

July 29, 2026

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Looking to the Futures

July 29, 2026

Personal Finance & Planning

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Trump Accounts: What to Know

Learn how Trump Accounts could help families save for their children's futures with flexible contributions and tax-free growth potential.

July 29, 2026

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Today's Options Market Update

Stocks were under pressure in early trading as investors wait for the Federal Reserve's interest rate decision today. Oil prices jump after U.S. and Iran trade strikes.

July 29, 2026

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Stocks Under Pressure Early

Stocks were under pressure in early trading as investors wait for the Federal Reserve's interest rate decision today. Oil prices jump after U.S. and Iran trade strikes.

July 29, 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.

June 12, 2026

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5 Types of Mortgage Loans

Learn about the most common types of mortgages and what to consider when originating a home loan.

July 29, 2026

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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.