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Perspectives

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

Retirement

5 Roth IRA Alternatives

If you're interested in contributing to a Roth IRA but your income exceeds IRS limits, you still have other tax-smart ways to save for retirement.

March 17, 2026 • Hayden Adams • Chris Kawashima

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Financial Independence

Financial independence means having the freedom and flexibility to live life on your terms. Here's how you can begin to achieve it.

March 11, 2026

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Stable Value Funds Explained

Stable value funds combine high-quality bond portfolios with insurance-based contracts to preserve capital and provide steady returns for retirement investors or education savers.

March 10, 2026

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Contribution Limits for 2026

Contribution limits increased for most savings accounts this year, as did the estate and gift tax limits. Find out what's new for 2026.

March 06, 2026

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The Bonus Senior Tax Deduction

How taxpayers ages 65 and older can make the most of the temporary $6,000 senior tax deduction.

March 06, 2026

Investing Strategies

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Looking to the Futures

After gaining more than $2.00 in six months, copper has traded in a forty-cent range for the past six weeks.

March 18, 2026 • Dan Sweeney

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Bearish PPI Hits Stocks

Stocks initially rose overnight approaching what's expected to be another rate pause by the Fed. A 0.7% rise in February wholesale prices hurt sentiment and the rally faded.

March 18, 2026

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Today's Options Market Update

Stocks have been holding ground despite slightly higher oil prices as markets position ahead of tomorrow’s FOMC rate decision and press conference.

March 17, 2026

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The worsening energy shock from the Iran War has raised risks of a more severe crisis. It may resolve quickly, but the longer it persists, the larger the possible economic damage. Asia and Europe are most vulnerable.

March 13, 2026

Markets & Economy

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Looking to the Futures

After gaining more than $2.00 in six months, copper has traded in a forty-cent range for the past six weeks.

March 18, 2026

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Bearish PPI Hits Stocks

Stocks initially rose overnight approaching what's expected to be another rate pause by the Fed. A 0.7% rise in February wholesale prices hurt sentiment and the rally faded.

March 18, 2026

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Washington: What to Watch Now

Investigation of Federal Reserve chair hits an obstacle, while the Department of Homeland Security remains shut down amid funding standoff.

March 17, 2026

Personal Finance & Planning

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Looking to the Futures

After gaining more than $2.00 in six months, copper has traded in a forty-cent range for the past six weeks.

March 18, 2026

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Bearish PPI Hits Stocks

Stocks initially rose overnight approaching what's expected to be another rate pause by the Fed. A 0.7% rise in February wholesale prices hurt sentiment and the rally faded.

March 18, 2026

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Washington: What to Watch Now

Investigation of Federal Reserve chair hits an obstacle, while the Department of Homeland Security remains shut down amid funding standoff.

March 17, 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.

August 07, 2024

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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.