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Insights & Ideas

Keeping you at the forefront of modern investing
Content with Rob Williams
Director of Income Planning, Schwab Center for Financial Research

Rob Williams, Director of Income Planning for the Schwab Center for Financial Research, focuses on fixed income and income-planning issues, including key topics of interest to individual investors seeking to increase income from their portfolios. Williams also provides analysis of bonds, fixed-income strategies, and other income-oriented issues.
by
Rob Williams
June 06, 2018
What does it mean to be wealthy? What does it mean to plan for, and potentially achieve, financial independence and comfort? The answers may surprise you.
by
Rob Williams
May 11, 2018
Converting to a Roth IRA could save you money in retirement.
by
Rob Williams
April 12, 2018
When the market drops, it's generally a good idea to stick to your long-term investment plan. But what if you don’t have time to recover?

What About Cash?

by
Rob Williams
April 09, 2018
There’s always a role for cash investments in your portfolio—to provide liquidity, flexibility and stability. Rising interest rates may mean higher returns on cash investments, as well.
by
Rob Williams
April 04, 2018
Many younger investors think bonds are only for older people. But fixed income securities can play useful roles in any portfolio, including buffering downside risk during periods of market volatility and helping to ensure you’ll have available cash for short-term goals.
by
Rob Williams
March 09, 2018
Rebalancing your portfolio can be an efficient way to generate distributions in retirement. Here’s how to do it.
by
Rob Williams
March 01, 2018
Important distinctions exist between traditional and Roth IRAs, including eligibility and contribution limits. Here's a guide to help you decide what's best for you.
by
Rob Williams
February 20, 2018
Should you take a lump-sum pension payout, or a monthly income stream for life? How to decide.
by
Rob Williams
February 20, 2018
If you’ve retired but are considering returning to work, be aware that your decision may affect your tax situation, Social Security and Medicare benefits.
by
Rob Williams
February 16, 2018
Debt is a tool that isn’t inherently bad or good—it depends on how much you borrow and what it’s used for. Here are a few ideas to help you borrow wisely.

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