Perspectives
Expert insight & commentary on retirement, personal finance, investing strategies and more from Charles Schwab & Co., Inc.
Retirement
Know the Five-Year Rule for Roths
There are actually several versions of the five-year rule governing Roth accounts, some of which overlap, and falling afoul of any of them could trigger additional taxes and penalties.
Working in Retirement
If you've retired but are considering returning to work, be aware that your decision may affect your Social Security and Medicare benefits.
Inherited IRA RMDs
The IRS has waived RMD requirements from inherited IRAs for 2024. Here's how to decide whether you should take or skip the withdrawal.
Medicare Open Enrollment
Medicare open enrollment—which runs from October 15 through December 7 this year—is your chance to check in on your Medicare plan and, if needed, change it.
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.
Investing Strategies
Closing Market Update
Before Nvidia reported, Wall Street had a light day with major indexes coming under pressure from disappointing Target earnings and rising yields. Stocks rebounded by the close.
Today's Options Market Update
With Thanksgiving ahead, the market has lots on its plate. Nvidia reports later and Federal Reserve speakers and a bond auction are appetizers. Target plunged as results, outlook disappointed.
Stocks Up Ahead of Nvidia
With Thanksgiving ahead, the market has lots on its plate. Nvidia reports later and Fed speakers and a bond auction are appetizers. Target plunged as results, outlook disappointed.
Looking to the Futures
The potential for colder temperatures in the lower 48 states is driving a rally in December natural gas as the contract approaches the roll to the next month. December natural gas, /NGZ24, settled at 2.998 MMBtu, up 0.025 from previous settlement.
Markets & Economy
Closing Market Update
Before Nvidia reported, Wall Street had a light day with major indexes coming under pressure from disappointing Target earnings and rising yields. Stocks rebounded by the close.
Today's Options Market Update
With Thanksgiving ahead, the market has lots on its plate. Nvidia reports later and Federal Reserve speakers and a bond auction are appetizers. Target plunged as results, outlook disappointed.
Stocks Up Ahead of Nvidia
With Thanksgiving ahead, the market has lots on its plate. Nvidia reports later and Fed speakers and a bond auction are appetizers. Target plunged as results, outlook disappointed.
Personal Finance & Planning
Closing Market Update
Before Nvidia reported, Wall Street had a light day with major indexes coming under pressure from disappointing Target earnings and rising yields. Stocks rebounded by the close.
Today's Options Market Update
With Thanksgiving ahead, the market has lots on its plate. Nvidia reports later and Federal Reserve speakers and a bond auction are appetizers. Target plunged as results, outlook disappointed.
Stocks Up Ahead of Nvidia
With Thanksgiving ahead, the market has lots on its plate. Nvidia reports later and Fed speakers and a bond auction are appetizers. Target plunged as results, outlook disappointed.
Money Talk
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.
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.
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.
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.
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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 type of securities and investment strategies mentioned 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 or economic conditions.