Download the Schwab app from iTunes®Get the AppClose

Financial Decoder

Financial Decoder

Cognitive and emotional biases can have a big impact on your financial life. Each episode of Financial Decoder looks closely at one financial decision—and the biases that might cloud your judgment and cost you money. Host Mark Riepe, head of the Schwab Center for Financial Research, decodes the behavioral and psychological factors at play and shares strategies designed to improve the way you approach financial crossroads.

Click each episode link below for a transcript and full show notes.

Listen on Apple PodcastsListen on Google Podcasts Listen on Spotify
Why Global Diversification Matters
Why Global Diversification Matters
Which Side of the Retirement Savings Statistics Are You On?
Listen on Apple Podcasts, Google PodcastsSpotify or copy to your RSS reader.

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?

Listen on Apple Podcasts, Google PodcastsSpotify or copy to your RSS reader.

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?

Listen on Apple Podcasts, Google PodcastsSpotify or copy to your RSS reader.

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

Listen on Apple Podcasts, Google PodcastsSpotify or copy to your RSS reader.

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?

Listen on Apple Podcasts, Google PodcastsSpotify or copy to your RSS reader.

We all want to earn significant returns on our investments, but a major factor is whether we’re willing to accept the associated risks. Are there biases in the way of our decisions about risk?

Listen on Apple Podcasts, Google PodcastsSpotify or copy to your RSS reader.

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.

Listen on Apple Podcasts, Google PodcastsSpotify or copy to your RSS reader.

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?

Listen on Apple Podcasts, Google PodcastsSpotify or copy to your RSS reader.

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

Listen on Apple Podcasts, Google PodcastsSpotify or copy to your RSS reader.

If you’ve ever looked at investing in exchange-traded funds (or ETFs), how did you decide which were right for you? There might be some blind spots in your decision-making process. 

Listen on Apple Podcasts, Google PodcastsSpotify or copy to your RSS reader.

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

Listen on Apple Podcasts, Google PodcastsSpotify or copy to your RSS reader.

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.  

Listen on Apple Podcasts, Google PodcastsSpotify or copy to your RSS reader.

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.

Listen on Apple Podcasts, Google PodcastsSpotify or copy to your RSS reader.

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.

Listen on Apple Podcasts, Google PodcastsSpotify or copy to your RSS reader.

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?

Listen on Apple Podcasts, StitcherSpotify or copy to your RSS reader.

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.

Important Disclosures

Information on this site is for general informational purposes only and should not be considered individualized recommendations or personalized investment advice. The type of securities and investment strategies mentioned may not be suitable for everyone. Each investor needs to review a security transaction for his or her own particular situation. All expressions of opinion are subject to change without notice in reaction to shifting market, economic and geo-political conditions.

Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.

Investing involves risk, including loss of principal.

Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.

Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.

Spotify and the Spotify logo are registered trademarks of Spotify AB.

(1018-89H8)