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Perspectives

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

Retirement

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

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Social Security Benefit Cuts?

Fear around the future of Social Security payments is understandable, but it should not solely drive decisions on when to claim benefits.

July 09, 2026

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403(b) vs. 401(k)

If you're considering a 403(b) or 401(k) retirement plan, here are eligibility rules, contribution limits, and withdrawal rules to keep in mind.

July 08, 2026

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What Is a 403(b) Plan?

A 403(b) plan can help school employees, health care workers, and certain nonprofit employees save for retirement. Learn what to consider before contributing.

July 08, 2026

Investing Strategies

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Today's Options Market Update

Stocks are attempting to rebound from Friday’s sell-off, particularly within the tech space, though market continue to keep an eye on oil prices and Iran relations.

July 20, 2026 • Nathan Peterson

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Looking to the Futures

Crude oil futures (/CL) are rebuilding a risk premium as escalating U.S.-Iran tensions keep geopolitical concerns in focus.

July 20, 2026

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Stocks up on Hope for Talks

Stocks got an early lift from reports that peace talks could resume, though oil steadied amid worries about Red Sea shipping. Chip stocks rebounded after last week's selling.

July 20, 2026

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Weekly Trader's Outlook

Stocks are on track for weekly losses, particularly in the technology space, as a sharp rise in oil prices and uncertainty around AI economics weigh on investor sentiment.

July 17, 2026

Markets & Economy

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Monday's Schwab Market Update Podcast

The chip market starts the week licking its wounds after a swift descent over the last few days. Earnings from Alphabet and Intel in a few days are the next major keystones.

July 20, 2026

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Today's Options Market Update

Stocks are attempting to rebound from Friday’s sell-off, particularly within the tech space, though market continue to keep an eye on oil prices and Iran relations.

July 20, 2026

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Stocks up on Hope for Talks

Stocks got an early lift from reports that peace talks could resume, though oil steadied amid worries about Red Sea shipping. Chip stocks rebounded after last week's selling.

July 20, 2026

Personal Finance & Planning

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Today's Options Market Update

Stocks are attempting to rebound from Friday’s sell-off, particularly within the tech space, though market continue to keep an eye on oil prices and Iran relations.

July 20, 2026

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Monday's Schwab Market Update Podcast

The chip market starts the week licking its wounds after a swift descent over the last few days. Earnings from Alphabet and Intel in a few days are the next major keystones.

July 20, 2026

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Stocks up on Hope for Talks

Stocks got an early lift from reports that peace talks could resume, though oil steadied amid worries about Red Sea shipping. Chip stocks rebounded after last week's selling.

July 20, 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

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.