Cover art for podcast Financial Decoder

Financial Decoder

43 EpisodesProduced by Charles SchwabWebsite

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

43 Episodes | 2021 - 2024

Farewell

February 22nd, 2024

0:39

An important message from RadioPublic

Do Investing Pros Make Smart Buy and Sell Decisions?

March 18th, 2024

19:31

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 …

How Can You Save for College?

March 4th, 2024

39:46

Figuring out how to cover college expenses often means navigating a bewildering range of options, programs, and plans. As the financial burden of …

What Should You Do with Your Employee Stock?

February 19th, 2024

27:39

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 …

(Bonus) Do Super Bowl Wins Diminish in Value?

February 10th, 2024

6:46

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 …

Should You Trust Popular Trading Proverbs?

February 5th, 2024

39:04

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 …

Should You Roll Over Your Retirement Account?

December 18th, 2023

29:11

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 …

(Bonus) From On Investing: Market Outlook: What's in Store for 2024?

December 11th, 2023

1:05:07

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 …

How Does Retirement Planning Differ for Freelancers?

November 27th, 2023

33:34

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 …

How Can You Build Your Pre-Retirement Checklist?

November 13th, 2023

32:45

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 …

Should You Pay Off Your Mortgage Before You Retire?

October 30th, 2023

31:59

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 …

How Did Chuck Schwab Disrupt an Industry? (Rebroadcast)

October 16th, 2023

23:46

Charles Schwab & Co. founder and Chairman of the Board Chuck Schwab discusses the decisions that led him to create a revolutionary business model …

Do You Need a Financial Advisor?

August 21st, 2023

36:03

Today's financial landscape is more complex than ever, encompassing a huge range of investment opportunities. Yet, the advancement of technology has …

How Can You Prepare for the Perils of Aging? (Rebroadcast)

July 24th, 2023

52:38

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 …

What Should You Do If You or Someone You Love Becomes Disabled?

July 10th, 2023

48:10

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 …

2023 Mid-Year Market Outlook

June 26th, 2023

57:06

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 …

How Can You Think Like a Fund Manager?

April 17th, 2023

43:49

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 …

When Can Direct Indexing Make Sense for Your Portfolio?

April 3rd, 2023

24:33

The idea of making your portfolio your own typically involves adding and subtracting specific investments. The concept of "addition by subtraction" …

Jodi's Story: How Can You Prepare for a Career Change?

March 20th, 2023

26:12

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 …

What Should Be on Your Wealth Management Watch List This Year?

March 6th, 2023

36:36

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 …

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

January 30th, 2023

34:03

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 …

2023 Market Outlook

December 16th, 2022

46:49

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 …

Can You Invest in Crypto Without Buying Crypto Directly?

December 12th, 2022

30:06

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 …

Mary Anne's Story: How Can You Leave a Legacy and Honor a Loved One?

November 28th, 2022

19:56

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 …

Should You Start Giving Money to Your Heirs Now or Leave a Bequest?

November 14th, 2022

32:36

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 …

How Can You Steer Your Portfolio Through a Recession?

October 31st, 2022

41:09

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 Can You Do If Your Retirement Plan Gets Off Track?

September 19th, 2022

34:49

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 …

How Can You Make the Most of Your IRA Nest Egg?

September 5th, 2022

36:35

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 …

How Can You Get Started with an IRA?

August 22nd, 2022

36:35

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 …

When Interest Rates Rise, What Should You Do with Bonds?

August 8th, 2022

21:32

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 …

How Much Risk Is Right for You?

July 25th, 2022

28:57

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" …

How Can You Stop Procrastinating and Create an Estate Plan?

March 21st, 2022

39:42

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 …

How Can You Invest Your Values?

March 7th, 2022

29:08

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 …

Which Trust May Be Right for You?

December 13th, 2021

31:32

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 …

How Can You Maximize Your Charitable Giving?

November 29th, 2021

33:30

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 …

How Can You Be a More Confident Investor?

November 15th, 2021

31:57

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 …

Should You Invest in a SPAC?

November 1st, 2021

25:39

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 …

How Can You Set Better Goals?

July 12th, 2021

32:25

Financial planning is an ongoing, iterative process. But it always starts with identifying and defining goals. Why are you saving money? When do you …

How Can You Protect Your Portfolio Against Inflation?

June 14th, 2021

35:20

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 …

Bonus: Special Guest Katy Milkman

June 7th, 2021

33:15

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 …

How Can You Prepare for the Perils of Aging?

March 8th, 2021

52:23

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 …

Are You Rationalizing an Investing Mistake?

February 22nd, 2021

29:10

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 …

Should You Invest in Socially Responsible Funds?

February 8th, 2021

24:29

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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