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Perspectives

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

Retirement

Allocating Portfolio Assets

As you progress through your retirement investing journey, consider modifying your asset allocation by age as your time horizon, investment goals, and risk tolerance change.

May 26, 2026 • Schwab Center for Financial Research

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6 Steps to Prep for Retirement

Planning to retire in 10 years or less? Find out what you need to know and do for a smoother transition.

May 05, 2026

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Beyond the 4% Rule

How much can you spend without running out of money? The 4% rule is a popular rule of thumb, but you can do better. Here are guidelines for finding your personalized spending rate.

March 27, 2026

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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.

March 25, 2026

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IRA Rules: 8 Things to Know

Knowing about different IRA rules can help you make better decisions about which type of retirement account best suits your situation.

March 25, 2026

Investing Strategies

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Today's Options Market Update

Stocks are marching into record territory to start the week as markets remain optimistic that a peace deal between the U.S. and Iran can be achieved.

May 26, 2026 • Nathan Peterson

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Inflation Pressures Grow

Upstream producer prices are surging, even in some areas not directly affected by oil prices, raising concerns that those cost increases could be passed on to consumers.

May 26, 2026

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Mining Economics and AI

The primary way we value bitcoin is with mining metrics. It's important to understand the pivot to high-performance computing for AI models and what that means for bitcoin miners.

May 26, 2026

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Allocating Portfolio Assets

As you progress through your retirement investing journey, consider modifying your asset allocation by age as your time horizon, investment goals, and risk tolerance change.

May 26, 2026

Markets & Economy

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Today's Options Market Update

Stocks are marching into record territory to start the week as markets remain optimistic that a peace deal between the U.S. and Iran can be achieved.

May 26, 2026

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Inflation Pressures Grow

Upstream producer prices are surging, even in some areas not directly affected by oil prices, raising concerns that those cost increases could be passed on to consumers.

May 26, 2026

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Stocks Rise Early on Iran Deal

Hopes of a deal between the U.S. and Iran had investors poised to push stocks higher to start the holiday-shortened week, but U.S. strikes over the weekend muddied the picture.

May 26, 2026

Personal Finance & Planning

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Today's Options Market Update

Stocks are marching into record territory to start the week as markets remain optimistic that a peace deal between the U.S. and Iran can be achieved.

May 26, 2026

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Inflation Pressures Grow

Upstream producer prices are surging, even in some areas not directly affected by oil prices, raising concerns that those cost increases could be passed on to consumers.

May 26, 2026

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Stocks Rise Early on Iran Deal

Hopes of a deal between the U.S. and Iran had investors poised to push stocks higher to start the holiday-shortened week, but U.S. strikes over the weekend muddied the picture.

May 26, 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.