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 beh… read more
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Successful investors know that choosing what to sell is just as important as choosing what to buy. However, findings from a recent study suggest that …
Figuring out how to cover college expenses often means navigating a bewildering range of options, programs, and plans. As the financial burden of …
Not all compensation takes the form of a cash salary or bonus. Today, many startups and most of the companies on the Fortune 500 list allow their employees to take ownership in the company through stock awards, employee …
The Kansas City Chiefs won last year's Super Bowl (LVII) and another just a few years before in 2020. The San Francisco 49ers last won a championship in 1995. In this short bonus episode, Mark Riepe shares his insights …
Sometimes an oft-repeated axiom, maxim, or cliché has at least a small piece of truth to it. Others make sense and are true in some situations, but not others.
The world of finance and investing is no exception to the …
A job change is a big change, and it's one of those changes happening to people with greater frequency for a variety of reasons. For many of these job seekers and switchers, past and future employers offer some kind of …
After a tumultuous year for the markets, what's in store for 2024? In this year-end episode, Schwab experts look ahead to consider what investors …
With over 70 million freelancers in the U.S., freelancing obviously appeals to a lot of workers and offers a lot of benefits to those who wish to work for themselves. However, it doesn't offer a 401(k) program, and that …
Most people look forward to retirement—after all, most of us save money during our working lives to fund our golden years when we'll have more time …
Recent interest rate increases have inflated the cost of debt, which can have a profound effect on individuals carrying a mortgage on their home but also approaching retirement. Is it beneficial to pay off the mortgage …
Charles Schwab & Co. founder and Chairman of the Board Chuck Schwab discusses the decisions that led him to create a revolutionary business model …
Today's financial landscape is more complex than ever, encompassing a huge range of investment opportunities. Yet, the advancement of technology has …
Risk management is one of the most important parts of financial planning. But we seldom consider how those risks evolve as we get older. It's just …
If you or someone you care for has been diagnosed with a disability, you may be faced with many challenges. While this can be an overwhelming experience, there are various financial protections and other specialized …
To kickstart Season 14, Schwab experts look ahead to consider what investors might expect in the second half of 2023.
First, Mark talks with Liz Ann Sonders, Schwab's chief investment strategist. Liz Ann offers her …
Every portfolio is different—and so are the people who manage active and passive funds. In this episode, we dig into the details of how fund managers …
The idea of making your portfolio your own typically involves adding and subtracting specific investments. The concept of "addition by subtraction" …
In this episode, we hear Jodi's story. Jodi started her career in finance and developed a love of travel. She also had a passion for gender-lens investing and nonprofits that served young women. As she progressed in her …
There are many long-term financial-planning decisions we can lose sight of as we navigate the unexpected avenues of our lives. If left unchecked, these choices we made years ago may not match up with our current …
Many people set New Year’s resolutions, but sadly, most don’t keep them. In this episode Mark Riepe offers several suggestions for keeping you on …
After a tough year for the markets, what's in store for 2023? In this year-end bonus episode, Schwab experts look ahead to consider what investors might expect from the markets in the new year.
First, Mark talks with Liz …
The cryptocurrency landscape is vast. There are well over 10,000 types of cryptocurrencies. For investors who are looking for exposure to this space, are there indirect opportunities that might reduce some of the …
In this special episode, we hear the story of Mary Anne. Mary Anne and her twin sister Virginia were very close growing up. But as they pursued different careers, they lived on different sides of the country. After her …
Taxes are a big issue for any investor. For people likely to incur federal estate tax, does it make sense to give away assets to family members sooner rather than later? The answer to that question can be fraught with …
Anyone who has invested for more than a few years has seen their share of bear markets, bull markets, down economies, and recessions. But each …
What do you do if you haven't put enough money into your retirement account over the course of your working life, and you know you don't have enough money or time to fund the retirement you want?
You might be tempted to …
When you spend your working life saving and investing, it can be a little scary when it comes time to shift your mindset and start withdrawing from those accounts. Whether you have a 401(k) or an IRA, what strategies …
Instinctively, most people know that it's a good idea to save money for the future. But when it comes to saving for retirement, there are complex decisions each person must face—and typically when they are just starting …
The Fed is hiking short-term interest rates to slow the economy. Now the bond market is starting to expect less inflation longer term, and so yields …
Balancing the trade-off between risk and return is one of the most fundamental decisions an investor makes. But it can be difficult to "know thyself" …
Creating a will has several benefits. A will can help your loved ones carry out your wishes, it can protect your assets, and it can allow you to designate a guardian of your children. Inevitably, some people never get …
Is it possible for your portfolio to reflect your beliefs? ESG could be one way to help. ESG is an umbrella term to describe investing strategies …
Many people do not enjoy the process of thinking through what happens to their assets after they pass away. But the decisions to be made are a crucial part of estate planning. Life can be complicated, and there are many …
Throughout the holiday season, you might encounter dozens of appeals for charity. If you decide to give, or if you donate throughout the year, how …
In assessments that show women to be less financially literate than men, is that gap due to a lack of knowledge or a lack of confidence? One recent study revealed that women tend to disproportionately respond “do not …
Special purpose acquisition companies (or SPACs) aren’t entirely new, but they’ve made headlines in 2020 and 2021. SPACs take funds from investors in order to buy or merge with another company. They’re sometimes called …
Financial planning is an ongoing, iterative process. But it always starts with identifying and defining goals. Why are you saving money? When do you …
Since the financial crisis of 2008, the Federal Reserve has engaged in a great experiment: They are testing whether massive amounts of new money can heal the damage from macroeconomic catastrophes, such as the financial …
In this special bonus episode, Mark Riepe talks with Katy Milkman, host of Choiceology and author of a new book titled How to Change: The Science of …
Risk management is one of the most important parts of financial planning. But we seldom consider how those risks evolve as we get older. It’s just …
If you save money and invest it consistently, your path toward meeting your goals may seem simple. But most investors quickly discover that there are hurdles in the way—including our own brains. There are many cognitive …
When you invest, are you simply trying to make as much money as possible without taking on too much risk? Or are you trying to accomplish other goals as well, perhaps making sure that your investments align with your …
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