Insights & Education
Keeping you at the forefront of modern investing
The latest commentary
Mega Caps Reign
The concentration of gains up the cap spectrum isn't itself a precursor to weakness; it's the lack of participation from the "average stock" that warrants some caution.
Debt Ceiling: What to Know Now
While we don't expect the U.S. government to default, the uncertainty may heighten market volatility in coming days. Here are answers to some of the questions we're hearing most often.
Schwab Market Update: Opening
Wall Street appeared to welcome the debt ceiling deal reached over the weekend despite still needing congressional approval. The markets also appear to be making peace with the idea that interest rates might rise again next month.
Understand U.S. Agency Bonds
Bonds issued by government-sponsored enterprises can offer slightly higher yields than U.S. Treasuries, without requiring investors to take on too much additional risk.
Hedging in Volatile Times
Option hedging strategies work best if you're already hedged when the correction arrives. But even if you're late to the game, you still have "options."
Trading news
Popular topics
How to be a Tax-Smart Donor
Increase your charitable impact while potentially reducing your taxable income.
Estate Tax and Lifetime Giving
If you have a large estate, consider gifting during your lifetime as a strategy to help reduce estate taxes.
Tax-Efficient Investing Plan
Making tax-efficiency part of your investing strategy can help lower your tax bill.
Choosing Out-of-State Munis
Although investing in in-state municipal bonds may have tax advantages, there can be good reasons to buy out-of-state munis.
Personal finance 101
Retirement Savings Tips
Ever wonder if you're on track to reach your retirement goal? Here's how to calculate how much you should have saved by now.
Trading Options in an IRA
Trading options in an IRA is possible for those who qualify. Here are some IRA options trading strategies that could open up some possibilities for your portfolio.
Investing 101
Using the P/E Ratio
Find out what traders should look for and look out for with the price-to-earnings ratio (P/E ratio).
7 Good Ideas for New Investors
There are many roads to financial well-being. Every person's path will be different, but those who enjoy uncommon success share some common ideas.
Why Personalized Indexing?
Personalized indexing can put greater control in the hands of individual investors.
Ratios to Help Value Stocks
Learn how analysts use price-to-earnings (P/E), price/earnings-to-growth (PEG), and price-to-book (P/B) ratios to help value company stock.
Income Investing
Learn how income investment strategies, such as interest from fixed income securities, dividends from equity holdings, and income from a multi-asset portfolio, can potentially enhance your portfolio's performance.
Trading 101
Using the P/E Ratio
Find out what traders should look for and look out for with the price-to-earnings ratio (P/E ratio).
Pattern Day Trader Rules
If you're a frequent trader, you could face permanent restrictions if you fall afoul of pattern day trader rule.
Retire with confidence
Gauge Retirement Income Needs
Planning for your retirement income needs will help ensure you won't outlive your savings.
Tips for Early Retirement
Here's how to figure out how your budget and savings would be affected if you had to retire earlier than anticipated.
Demystifying RMDs
Guidelines, deadlines, and potential tax consequences: What you need to know when it comes to required minimum distributions.
