Perspectives
Expert insight & commentary on retirement, personal finance, investing strategies and more from Charles Schwab & Co., Inc.
Retirement
Medicare Open Enrollment
Medicare annual 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.
How to Plan for Life's Goals
Retirement is important. But it's probably not your only goal. Here's how a financial plan can help you balance retirement savings with life's other important milestones.
Inherited IRA & SECURE Act 2.0
It's important to understand the updated inherited IRA distribution rules tied to changes in the SECURE Act, including its latest version, SECURE 2.0.
Gray Divorce and Retirement
What to know when going through a late-in-life divorce.
Total-Return Retirement Income
Dividends and interest aren't likely to be enough to cover most investors' income needs. Planning for some asset sales may be more realistic.
Investing Strategies
Today's Options Market Update
Stocks are mostly higher around midday as markets await the Fed, mega-cap tech earnings and clarity around U.S./China trade.
5 Reasons to Consider Munis Now
Municipal bonds offer tax-adjusted yields, generally high credit quality, and other advantages that may make them attractive investments.
Understanding Solana ETPs
Trading of solana ETPs started October 28, 2025, but investors should proceed with caution.
Round Lots Regulatory Changes
New regulations will impact how bid, ask, and last sizes display on Schwab platforms starting Nov. 3, 2025. The updates will take effect automatically—no client action is required.
Markets & Economy
Today's Options Market Update
Stocks are mostly higher around midday as markets await the Fed, mega-cap tech earnings and clarity around U.S./China trade.
Washington: What to Watch Now
The government shutdown drags on, with several potential pressure points looming in coming days.
Understanding Solana ETPs
Trading of solana ETPs started October 28, 2025, but investors should proceed with caution.
Personal Finance & Planning
Today's Options Market Update
Stocks are mostly higher around midday as markets await the Fed, mega-cap tech earnings and clarity around U.S./China trade.
Understanding Solana ETPs
Trading of solana ETPs started October 28, 2025, but investors should proceed with caution.
Washington: What to Watch Now
The government shutdown drags on, with several potential pressure points looming in coming days.
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.