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Perspectives

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

Retirement

Having the Long-Term Care Talk

Starting a conversation with loved ones about long-term care can be intimidating, however, having the talk can help both parties plan ahead and make important decisions together.

January 15, 2026 • Chris Kawashima

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7 Moves to Financial Fitness

Resolving to get in better financial shape this year is a great idea. Here are seven smart moves to help you actually do it.

January 05, 2026

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How Does a 401(k) Match Work?

Learn how a 401(k) match works and other FAQs like contribution limits, what happens if you leave your job, and tips if you can't contribute enough to get the full employer match.

December 11, 2025

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Whether you're considering a traditional IRA or already contributing to one, it's a good idea to know what will happen when it's time to take your hard-earned savings out. Here are four questions to get you started.

December 10, 2025

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How Does a Roth IRA Work?

Even if you don't have an employer sponsored retirement plan, it's still important to save for your future.

December 03, 2025

Investing Strategies

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Q4 2025 Tech Earnings

Results from tech titans including Microsoft and Apple are on tap soon. Focus remains on cloud growth and spending after some stocks were punished for raising Cap-Ex last quarter.

January 22, 2026

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Today's Options Market Update

Stocks are adding to yesterday’s midday bounce as investors shift focus from geopolitical concerns back to Q4 earnings reports, economic data.

January 22, 2026

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Stocks up on Tech Rally

Tech stocks keyed an early rally ahead of Intel's earnings and as geopolitical concerns eased. PCE looms ahead of next week's Fed meeting, and yields rose as GDP ticked higher.

January 22, 2026

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Looking to the Futures

Since the beginning of December, cattle futures have been showing signs of strength.

January 22, 2026

Markets & Economy

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Rare Earths: Market Movers

Rare earth metals are critical inputs for modern economies and directly impact financial markets, but gaining exposure to these often-underappreciated metals can be difficult.

January 22, 2026

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Today's Options Market Update

Stocks are adding to yesterday’s midday bounce as investors shift focus from geopolitical concerns back to Q4 earnings reports, economic data.

January 22, 2026

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Q4 2025 Tech Earnings

Results from tech titans including Microsoft and Apple are on tap soon. Focus remains on cloud growth and spending after some stocks were punished for raising Cap-Ex last quarter.

January 22, 2026

Personal Finance & Planning

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Today's Options Market Update

Stocks are adding to yesterday’s midday bounce as investors shift focus from geopolitical concerns back to Q4 earnings reports, economic data.

January 22, 2026

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Rare Earths: Market Movers

Rare earth metals are critical inputs for modern economies and directly impact financial markets, but gaining exposure to these often-underappreciated metals can be difficult.

January 22, 2026

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Q4 2025 Tech Earnings

Results from tech titans including Microsoft and Apple are on tap soon. Focus remains on cloud growth and spending after some stocks were punished for raising Cap-Ex last quarter.

January 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.