Perspectives
Expert insight & commentary on retirement, personal finance, investing strategies and more from Charles Schwab & Co., Inc.
Retirement
Contribution Limits for 2025
Under the SECURE 2.0 Act, catch-up contributions for older workers get a boost this year. Here's a look at what else is new for contribution and gifting limits in 2025.
Beware Medicare Scammers
Medicare fraud can take many forms, but the most prevalent scams seek to trick seniors into providing sensitive information.
4 Social Security Questions
When and how to take Social Security comes down to more than just your age. Here, two Schwab experts answer common questions to help you decide.
Catch-Up Provisions
SECURE 2.0 requires higher earners to put their catch-up retirement savings in a Roth 401(k).
Retirement Income Challenges
Turning your retirement savings into a steady stream of income can be tricky. Here are three challenges to plan for.
Investing Strategies
RSI for Long-Term Holdings
Relative strength index is often used by traders to determine when to buy or sell a stock. Here's how long-term investors can put it to work in their own portfolios.
3 Elements of a Swing Trade
Swing traders look to capture profits from short-term swings within longer-term up- or downtrends. Here's a look at some swing trading basics.
Today's Options Market Update
Wall Street seemed to take a breath after the latest jobs report showed employment gains nearly matched expectations, while the unemployment rate rose only slightly to 4.1%.
Where to Find Yield Now
The Federal Reserve's recent rate cuts have investors wondering where they can find yield now. Here are a few income-generating investments worth considering.
Markets & Economy
Weekly Trader's Outlook
Stocks are on pace for weekly losses as trade and economic uncertainty continues to infiltrate the investor psyche. However, several technical indicators are suggesting an oversold state which could lead to a mean reversion bounce next week.
Today's Options Market Update
Wall Street seemed to take a breath after the latest jobs report showed employment gains nearly matched expectations, while the unemployment rate rose only slightly to 4.1%.
Policy Uncertainty Pauses M&A
Though mergers and acquisitions were expected to roar back in 2025 thanks to the new administration, uncertainty around Washington policy appears to be holding back new deals.
Personal Finance & Planning
Policy Uncertainty Pauses M&A
Though mergers and acquisitions were expected to roar back in 2025 thanks to the new administration, uncertainty around Washington policy appears to be holding back new deals.
Weekly Trader's Outlook
Stocks are on pace for weekly losses as trade and economic uncertainty continues to infiltrate the investor psyche. However, several technical indicators are suggesting an oversold state which could lead to a mean reversion bounce next week.
Today's Options Market Update
Wall Street seemed to take a breath after the latest jobs report showed employment gains nearly matched expectations, while the unemployment rate rose only slightly to 4.1%.
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.