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Saving for Retirement

Learn how much you may need to retire, how tax-advantaged retirement accounts work, and more

Plan your retirement

Save Now for Retirement

The sooner you start saving, the more likely you're likely to reach your retirement goals. Here are some numbers to put things in perspective.

February 20, 2025

457(b) & 403(b) Retirement Plans

Learn about the differences between 457(b) and 403(b) and how you might be eligible for this retirement account if you work for public service or the government.

February 13, 2025

IRA Contribution Rules

What's the maximum IRA contribution? Are IRA contributions tax deductible? What if you contribute too much? Get answers to these questions and others before you open an account.

January 07, 2025

Is an IRA Right for You?

IRAs can help you build wealth for retirement and potentially get tax breaks, either up front or in the future. 

December 19, 2024

What Is an IRA?

Looking for a tax-smart way to save for your future? Find out what an IRA is, what it offers, and how the three main types differ.

December 17, 2024

Prioritize your finances

Wedding Guest Sticker Shock?

With the cost of clothes, gifts, and travel, being a wedding guest could blow your budget. It doesn't have to. Here's how to enjoy the party and help avoid the financial pain.

February 05, 2025

Take the No-Spend Challenge

The no-spend challenge has gone viral with Millennials and Gen Z, but it could work for anyone who wants to take control of their money. Consider trying it for 30 days.

January 22, 2025

9 Steps to a DIY Financial Plan

A financial plan doesn't require that you have a lot of money—and it doesn't have to cost you a penny. Follow these 9 steps.

January 08, 2025

Learn investing basics

Preferreds: Yield vs. Risk

Preferred securities' yields may be appealing, but they almost always come with additional risks.

January 30, 2025

Deductible Investment Expenses

The IRS allows various tax deductions for expenses related to producing taxable investment income. Do yours qualify?

January 15, 2025

Capital Market Expectations

Continuing last year's trend, our 2025 outlook shows fixed income benefiting from high rates, while equities face a narrowing edge over risk-free investments.

January 03, 2025

Assessing Your Risk Tolerance

How much risk can you really handle? The answer may surprise you.

December 02, 2024

Are We in a Temperamental Era?

The period from the 1960s to the 1990s defined by record-setting inflation and big swings in GDP bears a striking resemblance to the current environment.

November 15, 2024

Maturing Short-Term Bonds?

As interest rates come down, yields from short-term bonds are likely to suffer as well. Here's how manage reinvestment risk as your short-term securities mature.

November 15, 2024

Automate your investing

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Portfolio Management

What's Dollar-Cost Averaging?

Robo Advice

Robo-Advisors and Emotions

Manage your portfolio

Capital Market Expectations

Continuing last year's trend, our 2025 outlook shows fixed income benefiting from high rates, while equities face a narrowing edge over risk-free investments.

January 03, 2025

Financial Resolutions

Here are five steps we encourage all investors to consider taking to help boost their financial fitness at any time of the year.

December 12, 2024

Assessing Your Risk Tolerance

How much risk can you really handle? The answer may surprise you.

December 02, 2024

Explore more topics

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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.

Investing involves risk, including loss of principal.

Investment and Insurance Products Are: Not FDIC Insured • Not Insured by Any Federal Government Agency • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or any of its Affiliates • Subject to Investment Risks, Including Possible Loss of Principal Amount Invested

The information on this website is for educational purposes only. It is not intended to be a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is necessary or appropriate, consult with a qualified tax advisor, CPA, financial planner or investment manager.

Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons.

The Charles Schwab Corporation provides services to retirement and other benefit plans and participants through its separate but affiliated companies and subsidiaries: Charles Schwab Trust Bank; Charles Schwab Bank, SSB; Charles Schwab & Co., Inc.; and Schwab Retirement Plan Services, Inc. Trust, custody, and deposit products and services are available through Charles Schwab Trust Bank and Charles Schwab Bank, SSB, Members of FDIC. Brokerage products and services are offered by Charles Schwab & Co., Inc. (Member SIPC). Schwab Retirement Plan Services, Inc. is not a fiduciary to retirement plans or participants and only provides recordkeeping and related services.

©2025 Schwab Retirement Plan Services, Inc. All rights reserved. (0723-3GJY)

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