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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

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 • Patrick Means

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

10 Money Questions and Answers

Almost everyone has money questions. Here are 10 everyday money questions and answers to help you now.

December 03, 2025

Will Your Financial Plan Last?

Sound financial planning tries to account for various scenarios, but it may not always foresee the unexpected stressors of life. Is your plan built to last through retirement?

November 14, 2025

Save or Pay Off Student Loans?

Just because you have student loans to pay off doesn't mean you should put investing on hold to do it—you don't have to prioritize one over the other.

November 11, 2025

Prioritize your finances

Financial Literacy for Adults

For one reason or another, adult children may come to depend on financial support from their parents. Here's how to encourage financial independence.

November 14, 2025

Save or Pay Off Student Loans?

Just because you have student loans to pay off doesn't mean you should put investing on hold to do it—you don't have to prioritize one over the other.

November 11, 2025

Passion Budgeting

Budgeting may sound boring, but passion budgeting can be fun. And it can help make you happier about how you spend your money. Here's how to get started.

October 01, 2025

Learn investing basics

Consider Longer-Term Munis

Municipal bonds are well suited for the needs of tax-conscious investors. And given relative yields, we think that high-quality, longer-term municipal bonds are worth considering.

December 04, 2025

Why Moats Matter

Learn how durable competitive advantages like scale, brand strength, and high switching costs can potentially help companies protect profits and market share over the long term.

December 03, 2025

ETNs: The Facts and the Risks

Exchange-traded notes (ETNs) may have a similar sounding name, but ETNs are not the same as exchange-traded funds (ETFs), and they carry some important risks for investors.

November 20, 2025

The Case for International

After years of underperformance, foreign investments are now outperforming their U.S. counterparts. Here are three reasons why they likely deserve a place in most investors' portfolios.

November 14, 2025

Responding to Market Chaos

Volatility has investors questioning the future of U.S. stocks. Three Schwab finance professionals discuss how to evaluate your portfolio in the face of market ups and downs.

November 14, 2025

Is Your Fund Drifting?

Over time, mutual funds can stray from their stated objectives and no longer serve the same purpose within your portfolio. Here's how to tell if your fund is off course.

November 14, 2025

Automate your investing

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Portfolio Management

What's Dollar-Cost Averaging?

Robo Advice

Robo-Advisors and Emotions

Manage your portfolio

Where To Hold Your Cash

Consider ease of access, insurance, and yield when deciding where to hold your cash.

November 07, 2025

How Investors Use Market Cap

Market capitalization is a key guidepost for anyone building a portfolio. Here's what to know.

October 29, 2025

How to Use Equity Risk Premium

The equity risk premium can help traders gauge market sentiment, measure stock market valuations, and compare the risk-reward trade-off in asset classes.

October 07, 2025

Explore more topics

IRA 401(k) Taxes Investments Trusts Wills Portfolio Management Rebalancing
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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 & Co., Inc.; and Schwab Retirement Plan Services, Inc. Trust, custody, and deposit products and services are available through Charles Schwab Trust Bank, Member of FDIC. Brokerage products and services are offered by Charles Schwab & Co., Inc. (Member SIPC, www.sipc.org). 

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