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.

How Can You Learn from Your Trading Mistakes?

Making mistakes is part of the learning process, but how can we improve our ability to learn from trading mistakes?

April 04, 2022

How Can You Stop Procrastinating and Create an Estate Plan?

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

March 21, 2022

How Can You Invest 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

Why Do Millennials Love Equity Compensation and How Can Entrepreneurs Use It?

Equity compensation is an increasingly common part of a benefits package. Why are younger workers driving demand for it?

February 21, 2022

2022 Market Outlook

As we look to the new year, what can investors expect from the markets in 2022?

December 20, 2021 Schwab Center for Financial Research

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 Maximize Your Charitable Giving?

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 a More Confident Investor?

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

Financial Decoder: Season 9 Trailer

Season 9 of Financial Decoder arrives on November 1. Check your listening app to make sure you are subscribed.

October 28, 2021

Should You Invest in Cryptocurrency?

What are some things to keep in mind when you are considering investing in Bitcoin or cryptocurrencies?

July 26, 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 Your Portfolio 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

How Can You Prepare for the 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

Are You Rationalizing an Investing Mistake?

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

February 22, 2021

Should You Invest in Socially Responsible Funds?

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

February 08, 2021

How Can You Manage Your Emotions While Trading?

How do our emotional biases affect our decisions while trading stocks?

January 25, 2021

2021 Market Outlook: What to Expect from the Economy, the Bond Market, Global Equities, and Washington

As 2020 draws to a close, what can investors expect from the markets in 2021?

December 17, 2020

When Should You Sell? Part 2: Mutual Funds and ETFs

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: Stocks and Bonds

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

Election 2020 from WashingtonWise

Listen as Mike Townsend and Liz Ann Sonders discuss the implications of the 2020 election.

November 13, 2020

How Does Familiarity Bias Affect Your Investments?

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

November 09, 2020

How Should You Measure Your Portfolio's Performance?

Almost everyone wants high returns from their portfolio, but how do you know if you are using the right benchmarks to measure those returns?

October 26, 2020

Why Is Now a Good Time to Give to Charity?

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

Has the Pandemic Changed Your Financial Plan?

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

August 24, 2020

How Is the Market Correlated to 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 Roll Over Your Old 401(k)?

If you've left a job recently, what are your options for your old 401(k)?

July 13, 2020

Should You Use Your Retirement Accounts to Pay Bills?

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

June 29, 2020

Should You Buy the Highest-Yielding Bond?

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

Should You Get Out of the Market Now and Get Back In Later?

Whenever there’s a rapid drop in the stock market, whatever the cause, some investors wonder whether they should just get out of the market for a while. Here’s why that approach usually doesn’t work.

April 27, 2020

Should You Open a 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

If You Have to Sell, How Do You Choose?

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

Is It Time to Reboot Your New Year's Resolutions?

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.

February 24, 2020

Are Financial Plans Just for the Wealthy?

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 Can You Pay Yourself in Retirement?

Building a nest egg for retirement is a massive, multifaceted project. But after decades of saving and accumulating wealth, there comes a time when you need to transition into spending mode.

January 27, 2020

What Should You Do With Your Employee Stock?

Whether it's stock options, restricted stock, an employee stock purchase plan, or some other form of equity compensation, most companies offer this vital benefit to employees. But once you have it, what should you do with it?

December 09, 2019

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

How Did Chuck Schwab Disrupt an Industry? EXCLUSIVE INTERVIEW

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

Which Biases Should You Protect Against?

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

Should You Pay Attention to the News Out of Washington?

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

Should You Be More Active With Your Portfolio?

There are a lot of ways your emotions and biases can get in the way of buying or selling a stock. What are some strategies to try to overcome these traps?

June 18, 2019

Do You Really Need an Estate Plan?

You don't have to be super wealthy to have an estate plan. In fact, most people could benefit from one. So why do we tend to procrastinate?

June 03, 2019

When Should You Retire?

There's no one retirement age that's right for everyone, but what are the factors that can help you make your own decision?

May 20, 2019

How Can You Catch Up on Retirement Savings?

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

Should You Diversify Differently?

The more stocks you own, the more diversified you are, right? Not necessarily. There could be other factors—including your own built-in biases—holding you back from creating a truly diversified portfolio.

April 08, 2019

What Should You Do with Your 401(k)?

Most people with a 401(k) realize it's critical to achieving their retirement goals, but what's the best way to take care of it and help it grow?

February 25, 2019

How Much Risk Should You Take with Bonds?

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

Does Your Portfolio Need Adjusting?

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 Should You 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