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Perspectives

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

Retirement

Target Date Funds' Benefits

Target date funds simplify retirement investing by automatically managing risk and diversification, helping investors stay disciplined and focused on their long-term goals.

March 04, 2026

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What Are Target Date Funds?

Target date funds automatically adjust investments over time. Learn how they work and what to consider when using them for retirement.

March 03, 2026

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Investing in Your 20s

One of the most important things you can do in your 20s is to develop good financial habits. Here's how to get started.

February 18, 2026

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Money and Relationships

From budgeting basics to big financial decisions, managing your money as a couple can be a challenge. Explore ideas to help transform money talks into opportunities for growth.

February 13, 2026

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401(k)—Scam or Smart Move?

Have you heard on social media that a 401(k) is a scam? Here's why it isn't—and ideas on how you can use it wisely.

February 04, 2026

Investing Strategies

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Fire Below Indexes

Notwithstanding developments in the Iran conflict, there are important leadership shifts still at play within the equity market, which emphasize the importance of diversification.

March 04, 2026 • Liz Ann Sonders • Kevin Gordon

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Today's Options Market Update

Stocks edged up as crude prices dropped on hopes for protection of Persian Gulf shipping. War remains the focus, but February ADP jobs data improved and Broadcom reports later.

March 04, 2026

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War in Iran: FAQs

What do the attacks on Iran mean for the global economy and markets? We answer some of the questions investors are asking most often.

March 04, 2026

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Stocks Up as Crude Falls

Stocks edged up as crude prices dropped on hopes for protection of Persian Gulf shipping. War remains the focus, but February ADP jobs data improved and Broadcom reports later.

March 04, 2026

Markets & Economy

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Today's Options Market Update

Stocks edged up as crude prices dropped on hopes for protection of Persian Gulf shipping. War remains the focus, but February ADP jobs data improved and Broadcom reports later.

March 04, 2026

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War in Iran: FAQs

What do the attacks on Iran mean for the global economy and markets? We answer some of the questions investors are asking most often.

March 04, 2026

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Fire Below Indexes

Notwithstanding developments in the Iran conflict, there are important leadership shifts still at play within the equity market, which emphasize the importance of diversification.

March 04, 2026

Personal Finance & Planning

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Today's Options Market Update

Stocks edged up as crude prices dropped on hopes for protection of Persian Gulf shipping. War remains the focus, but February ADP jobs data improved and Broadcom reports later.

March 04, 2026

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Fire Below Indexes

Notwithstanding developments in the Iran conflict, there are important leadership shifts still at play within the equity market, which emphasize the importance of diversification.

March 04, 2026

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War in Iran: FAQs

What do the attacks on Iran mean for the global economy and markets? We answer some of the questions investors are asking most often.

March 04, 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.