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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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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

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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

Investing Strategies

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Stocks Up, Oil Elevated

Though crude is near $110 and volatility rose, stocks mostly climbed early on hopes Iran and the U.S. might consider a ceasefire proposal. Inflation data is key this week.

April 06, 2026 • Joe Mazzola

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Looking to the Futures

Crude oil futures prices rose sharply this past week with the lead month May futures up over 11% on Thursday.

April 06, 2026

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Taxable Municipal bonds: 5 Considerations

Taxable municipal bonds may be an attractive option for investors in lower tax brackets, but there are things investors should know before making a decision.

April 03, 2026

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Today's Options Market Update

After two days of gains, markets reversed after President Trump made statements about near-term continuation of the war in Iran. Markets are closed tomorrow for Good Friday.

April 02, 2026

Markets & Economy

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Monday's Schwab Market Update Podcast

Friday's March payrolls data that showed jobs growth of 178,000 sent bond yields higher in holiday trading. This week brings key inflation reports and earnings from Delta.

April 06, 2026

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Stocks Up, Oil Elevated

Though crude is near $110 and volatility rose, stocks mostly climbed early on hopes Iran and the U.S. might consider a ceasefire proposal. Inflation data is key this week.

April 06, 2026

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Looking to the Futures

Crude oil futures prices rose sharply this past week with the lead month May futures up over 11% on Thursday.

April 06, 2026

Personal Finance & Planning

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Monday's Schwab Market Update Podcast

Friday's March payrolls data that showed jobs growth of 178,000 sent bond yields higher in holiday trading. This week brings key inflation reports and earnings from Delta.

April 06, 2026

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Stocks Up, Oil Elevated

Though crude is near $110 and volatility rose, stocks mostly climbed early on hopes Iran and the U.S. might consider a ceasefire proposal. Inflation data is key this week.

April 06, 2026

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Looking to the Futures

Crude oil futures prices rose sharply this past week with the lead month May futures up over 11% on Thursday.

April 06, 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.