Financial Decoder

Host Mark Riepe talks with Schwab experts to decode the cognitive and emotional biases that might cloud your judgment and impact your financial decisions. 

Retirement for Freelancers

What options do freelancers have to get the most benefit out of their retirement savings?

November 27, 2023

Build Your Pre-Retirement Checklist

What do you need to take care of in the handful of years, months, and days before you retire?

November 13, 2023

Should You Pay Off Your Mortgage Before You Retire?

If you are nearing retirement, does it make sense to pay off your mortgage in advance?

October 30, 2023

Special Guest: Chuck Schwab (Rebroadcast)

Founder and Chairman of the Board Chuck Schwab joins Mark Riepe for a candid discussion about the decisions he made that disrupted the brokerage industry.

October 16, 2023

Do You Need a Financial Advisor?

A financial advisor can help you navigate the complex world of investing. But how do you know which advisor is right for you?

August 21, 2023

How Can You Maximize Your Employee Benefits?

Stock awards and 401(k)s can play a big role in a retirement strategy. But the role that our employers play in our financial lives is often much deeper.

August 07, 2023

What If You or a Loved One Becomes Disabled?

If you or a family member has a disability, what dedicated tools and financial safeguards are available?

July 10, 2023

2023 Mid-Year Market Outlook

What can investors expect from the markets in the second half of 2023?

June 26, 2023

Think Like a Fund Manager

What lessons about portfolio management can we learn from two different types of fund managers?

April 17, 2023

Direct Indexing

How does direct indexing work?

April 03, 2023

Jodi's Story

How one woman changed careers—and found a path that fit with her values.

March 20, 2023

Wealth Management Watch List

It's easy to overlook some of the financial-planning and wealth management decisions made years ago. What can be done to ensure every aspect of your portfolio is properly maintained?

March 06, 2023

Reboot Your Resolutions (Rebroadcast)

If you set New Year's resolutions, have you fallen off track? Were you too overwhelmed to set resolutions? In either case, we have some helpful strategies to reboot your New Year's resolutions or get started on some new goals.

January 30, 2023

2023 Market Outlook

As we look to the new year, what can investors expect from the markets in 2023?

December 16, 2022

Investing in Crypto Indirectly

For investors looking to gain exposure to the crypto space, what are some alternatives to buying crypto directly?

December 12, 2022

Mary Anne's Story

How did one woman honor her twin sister through a charitable gift?

November 28, 2022

Gift and Estate Taxes

Giving away assets in one's lifetime might make sense tax-wise, but the issue is deeply emotional and personal for most people.

November 14, 2022

Recession Strategies

What are some strategies that can help investors navigate a recession?

October 30, 2022

Retirement Off Track?

Some people start to take unnecessary risks when their portfolio gets off track. What are other options?

September 19, 2022

Drawing Down Your IRA

What's the best way to shift your mindset when it's time to withdraw from your IRA?

September 05, 2022

IRAs: Just Starting Out

What are some of the incentives for younger investors to start saving for retirement?

August 22, 2022

When Interest Rates Rise

Bonds can play an important role in your portfolio, but how do rising interest rates affect fixed income?

August 08, 2022

How Much Risk Is Right for You?

Every investor wants to maximize return—but you must first consider how much risk you can stomach.

July 25, 2022

Creating an Estate Plan

Estate plans aren't just for the wealthy. So why do people tend to procrastinate making one?

March 21, 2022

ESG Investing and Your Values

How can you customize your portfolio in ways that align with your own personal values? ESG investing might help you achieve your goals beyond just risk and return.

March 07, 2022

Which Trust May Be Right for You?

There are many advantages to having a trust in addition to a will, but is a trust right for you?

December 13, 2021

How Can You Best Give to Charity?

Decisions about what you do with your financial assets are just as important as the decisions you make while you're accumulating them. Most of us want to help others, but is there a smarter way to give to charity?

November 29, 2021

How Can You Be More Confident?

Underconfidence in financial matters can affect anyone, but women can be especially prone to undervaluing their expertise. Are there steps you can take to feel more empowered?

November 15, 2021

Should You Invest in a SPAC?

Is investing in a special purpose acquisition company (SPAC) right for your portfolio?

November 01, 2021

How Can You Set Better Goals?

Many people have a vague notion of what they want to achieve financially, but it takes specificity to make those goals a reality.

July 12, 2021

How Can You Protect Against Inflation?

As investors eye rising prices, are there ways to manage a portfolio that can offset some of the effects of inflation?

June 14, 2021

Special Guest: Katy Milkman

Mark sits down with Choiceology host Katy Milkman to discuss some of the barriers to change in her new book How to Change.

June 07, 2021

Financial Perils of Aging

It's normal for aging investors to experience at least some cognitive decline. Are you taking the right steps to prepare your finances for the future?

March 08, 2021

Rationalizing Investing Mistakes

What sorts of things do people say when making an emotional financial decision?

February 22, 2021

Is SRI Right for You?

Is investing in socially responsible funds the right move for your portfolio?

February 08, 2021

When Should You Sell? Part 2

The decision of when to sell a mutual fund or ETF can be complex. What should you keep in mind before you sell?

December 07, 2020

When Should You Sell? Part 1

Successful investing is about what you buy and when you buy it, but also what you sell and when you sell it. So how do you decide which stocks and bonds to sell when?

November 23, 2020

Familiarity Bias & Investing

Choosing investments that are familiar can be comforting, but how can you choose more objectively?

November 09, 2020

Why Now Is a Good Time to Give

There is no question that there is a greater need for charitable giving right now, but are there also advantages for donors and charities?

October 05, 2020

Planning and the Pandemic

How are investors adapting their plans and investing strategies to the global pandemic?

August 24, 2020

The Market vs. the Economy

With unemployment at its highest level in generations and whole sectors struggling, is the stock market really correlated to the economy?

July 27, 2020

Should You Tap Retirement Savings?

If you are short on cash, when does it make sense to tap into your retirement accounts?

June 29, 2020

Which Bond Should You Buy?

If you are considering two bonds, should you buy the one with the higher yield?

June 15, 2020

How Should You Invest $1,000?

Whether you're new to investing or have an established portfolio, how would you invest an extra $1,000? Here are some strategies to help you decide.

May 18, 2020

Roth IRA or Traditional IRA?

When choosing between a Roth or traditional IRA, it comes down to whether or not you think it's smarter to pay now or pay later, given your particular situation.

March 23, 2020

When You Have to Sell

No one likes to sell when the market is down, but some investors don't have a choice. In that case, what's the best approach?

March 09, 2020

Do You Need a Financial Plan?

We all have goals. Juggling multiple goals in a world of finite time and money can be tough. Whatever your goals in life are, can you name the steps you need to take in order to actually achieve them?

February 10, 2020

How Should You Give to Charity?

Decisions about what you do with your financial assets are just as important as the decisions you make while you're accumulating them. Most of us want to help others, but is there a smarter way to give to charity?

November 25, 2019

How Much Should You Borrow?

Carrie Schwab-Pomerantz discusses good debt versus bad debt and some of the common mistakes people make with borrowing.

October 28, 2019

Special Guest: Chuck Schwab

Founder and Chairman of the Board Chuck Schwab joins Mark Riepe for a candid discussion about the decisions he made that disrupted the brokerage industry.

October 14, 2019

Biases Across Generations

Scientists and researchers have identified over a hundred cognitive and emotional biases, but which ones are most likely to affect you? It partly depends on your age.

September 25, 2019

Washington D.C. & Investing

Politics can affect many of your financial decisions. What's the best way to understand the impact of policy and political changes on your investments?

September 16, 2019

Retirement Savings Catch-Up

If you're behind on saving for retirement, it can seem almost impossible to get on the right track. Can our built-in biases actually help make the catch-up process easier?

May 06, 2019

Risks in Bond Investing

As investors get closer to retirement, they often start to think more about bonds—and about reducing risk.

February 11, 2019

How Can You Save More?

People are hardwired to value earning money more than saving it. In this episode, Mark Riepe and Carrie Schwab-Pomerantz discuss both saving and spending strategies.

December 19, 2018

Evaluating Your Portfolio

Calculating the performance of your portfolio can be tricky. If you don't get it right, you might not be able to answer the pivotal question of whether or not you need adjust your mix of investments. How do your built-in biases affect the way you think about your investments' performance? In this episode, Mark Riepe looks at some ways to mitigate common errors and avoid miscalculating past performance.

December 03, 2018

When to Take Social Security

Social Security is a complex topic. And if you're nearing retirement, when to claim your benefits is a critical decision. There's no single correct answer, but in this episode, Mark Riepe and Rob Williams offer ideas to help you formulate a Social Security plan that's right for you.

November 19, 2018

What Should You Sell?

In this episode of Financial Decoder, host Mark Riepe, head of the Schwab Center for Financial Research, examines the psychological forces that impact a common investing decision: What should you sell?

November 05, 2018

Introducing Financial Decoder

In this new podcast, host Mark Riepe, head of the Schwab Center for Financial Research, unpacks important financial decisions and the biases that may prevent you from choosing wisely. Subscribe for free to get the first episode when it launches November 5.

October 26, 2018