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Perspectives

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

Retirement

Tapping an IRA to Buy a Home

Can you tap your IRA to help buy a home? The short answer is yes. But the better question is "should you?" Here are some caveats to consider before you touch your retirement money.

August 05, 2026 • Cindy Scott

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Working in Retirement

If you've retired but are considering returning to work, be aware that your decision may affect your Social Security and Medicare benefits.

August 04, 2026

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Choices for Inheriting an IRA

Understand how to manage inheriting an IRA, as well as the rules and choices to make the most of your inheritance.

July 30, 2026

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What Is an Annuity?

Annuities can help turn retirement savings into predictable income, but they can be complex. Here's what to know before buying one.

July 29, 2026

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What Is a Roth IRA?

A Roth IRA is a retirement account that may offer tax-free growth and tax-free qualified withdrawals. Learn about eligibility, contributions, and withdrawals.

July 24, 2026

Investing Strategies

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Tapping an IRA to Buy a Home

Can you tap your IRA to help buy a home? The short answer is yes. But the better question is "should you?" Here are some caveats to consider before you touch your retirement money.

August 05, 2026 • Cindy Scott

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Stocks up Early, SpaceX Falls

Though SpaceX and AMD fell early despite better-than-expected results, stocks hit new highs on peace hopes and as Eli Lilly and Disney impressed. ADP jobs growth missed consensus.

August 05, 2026

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Looking to the Futures

Profit margins for refineries declined over the past week as crude inventories have decreased faster than refined product supplies.

August 05, 2026

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Today's Options Market Update

Investors are riding the bulls to fresh all-time highs as robust earnings, lower oil prices and hopes of a resolution to the Iran conflict list prices and sentiment.

August 04, 2026

Markets & Economy

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Looking to the Futures

Profit margins for refineries declined over the past week as crude inventories have decreased faster than refined product supplies.

August 05, 2026

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Stocks up Early, SpaceX Falls

Though SpaceX and AMD fell early despite better-than-expected results, stocks hit new highs on peace hopes and as Eli Lilly and Disney impressed. ADP jobs growth missed consensus.

August 05, 2026

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Washington: What to Watch Now

Kevin Warsh considers fewer Fed meetings, the Fed holds rates steady, the Senate moves to avert a shutdown, a new BLS chief is confirmed, and midterms near.

August 04, 2026

Personal Finance & Planning

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Stocks up Early, SpaceX Falls

Though SpaceX and AMD fell early despite better-than-expected results, stocks hit new highs on peace hopes and as Eli Lilly and Disney impressed. ADP jobs growth missed consensus.

August 05, 2026

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Looking to the Futures

Profit margins for refineries declined over the past week as crude inventories have decreased faster than refined product supplies.

August 05, 2026

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Washington: What to Watch Now

Kevin Warsh considers fewer Fed meetings, the Fed holds rates steady, the Senate moves to avert a shutdown, a new BLS chief is confirmed, and midterms near.

August 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.

June 12, 2026

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5 Types of Mortgage Loans

Learn about the most common types of mortgages and what to consider when originating a home loan.

July 29, 2026

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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.