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Perspectives

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

Retirement

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 • Chris Kawashima

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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

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Potential Benefits of an HSA

Health savings accounts (HSAs) are for more than just routine medical expenses. By investing a portion of your account, you can potentially grow your funds tax-free.

March 18, 2026

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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

Investing Strategies

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Looking to the Futures

U.S. Treasury Secretary Bessent pushes for legislation on the “critical payments technology”, arguing that the dollar would be reinforced as the primary global reserve currency as a result.

April 23, 2026 • Quin B. Fields

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Stocks Fall Amid Headwinds

Several headwinds pushed indexes lower, including an initial jump in crude, disappointing earnings and guidance from key firms, and no progress ending the war. Intel reports later.

April 23, 2026

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Today's Options Market Update

President Trump's ceasefire extension took some pressure off the market, but oil remains up. Stronger than expected earnings provided an early lift, with Tesla due later.

April 22, 2026

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What Is Preferred Stock?

For those considering investing in preferred stocks, it's critical to understand the benefits, characteristics, and risks.

April 10, 2026

Markets & Economy

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Looking to the Futures

U.S. Treasury Secretary Bessent pushes for legislation on the “critical payments technology”, arguing that the dollar would be reinforced as the primary global reserve currency as a result.

April 23, 2026

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Stocks Fall Amid Headwinds

Several headwinds pushed indexes lower, including an initial jump in crude, disappointing earnings and guidance from key firms, and no progress ending the war. Intel reports later.

April 23, 2026

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Today's Options Market Update

President Trump's ceasefire extension took some pressure off the market, but oil remains up. Stronger than expected earnings provided an early lift, with Tesla due later.

April 22, 2026

Personal Finance & Planning

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Looking to the Futures

U.S. Treasury Secretary Bessent pushes for legislation on the “critical payments technology”, arguing that the dollar would be reinforced as the primary global reserve currency as a result.

April 23, 2026

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Stocks Fall Amid Headwinds

Several headwinds pushed indexes lower, including an initial jump in crude, disappointing earnings and guidance from key firms, and no progress ending the war. Intel reports later.

April 23, 2026

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Today's Options Market Update

President Trump's ceasefire extension took some pressure off the market, but oil remains up. Stronger than expected earnings provided an early lift, with Tesla due later.

April 22, 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.