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Retirement

Expert guidance for those on the road to retirement from Charles Schwab & Co., Inc.

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

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How Trump Accounts Work

The new Trump accounts provide another way to save for a child's retirement. Here's how they'll work and why they may be worth considering.

March 06, 2026

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Staggered Retirements

Couples with an age gap must plan for the financial and emotional implications of a staggered retirement.

March 06, 2026

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Contribution Limits for 2026

Contribution limits increased for most savings accounts this year, as did the estate and gift tax limits. Find out what's new for 2026.

March 06, 2026

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Contribution Limits for 2026

Contribution limits increased for most savings accounts this year, as did the estate and gift tax limits. Find out what's new for 2026.

March 06, 2026

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The Bonus Senior Tax Deduction

How taxpayers ages 65 and older can make the most of the temporary $6,000 senior tax deduction.

March 06, 2026

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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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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

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Life Insurance Alternatives

Retirees can use a life insurance retirement plan to supplement their income, but it might not be the most effective strategy. Here are three alternatives to consider.

February 03, 2026

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401(k) Student Loan Match

Learn how the 401(k) student loan match works and how the new, optional program for employers can allow employees to save for retirement while also paying down student debt.

February 02, 2026

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Sequence-of-Returns Risk

If you are close to retiring, beware of the little-known sequence-of-returns risk that could take a huge slice out of your retirement income.

January 30, 2026

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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.