Retirement

Save for retirement and prepare for how you'll spend your money once you retire. 

ira social security retirement income rmds annuities 401(k)
Retirement

Waiting to Save for Retirement Could Cost You

The sooner you start saving, the more likely you're likely to reach your retirement goals. Here are some numbers to put things in perspective.

IRA

IRA Taxes: Rules to Know and Understand

IRAs may offer tax benefits, but breaking the rules can have severe consequences for your savings. Here's how to avoid some common IRA tax pitfalls.

Retirement

Understanding 457(b) vs. 403(b) Retirement Plans

Learn about the differences between 457(b) and 403(b) and how you might be eligible for this retirement account if you work for public service or the government.

Annuities

What is an Annuity? How Does it Work?

Annuities can be beneficial for turning some of your savings into guaranteed income. Here's what to know about annuities before making a decision.

Taxes

What is the Saver's Credit and How Does It Work?

If you contribute to an IRA, 401(k), or other retirement plan, you may qualify for the Saver's Credit. Learn more about how the Saver's Tax Credit works.

IRA

Roth vs. Traditional IRA: Which Is Right for You?

Traditional and Roth IRAs have distinct requirements, including eligibility and contribution limits. Here's a guide to help you decide which may be better for you.

IRA

Should Older Workers Contribute to IRAs?

There are no age restrictions on IRA contributions. But does it make sense for older workers to make contributions as they near retirement? Here are three points to consider.

IRA

Must-Ask Questions: IRA Contributions

What's the maximum IRA contribution? Are IRA contributions tax deductible? What if you contribute too much? Get answers to these questions and others before you open an account.

IRA

Roth IRA Contributions: 4 Things You Need to Know

Once you understand what a Roth IRA is, it's time to dig into how contributions work. Learn how specific rules and limitations could affect you and your money.

401(k)

Should You Consider a Roth 401(k)?

With their tax-free earnings and large contribution limits, Roth 401(k)s could be a useful addition to your retirement-savings toolbox.

The information provided here is for general informational purposes only and is not intended to be a substitute for specific individualized tax, legal or investment planning advice. Where specific advice is necessary or appropriate, consult with a qualified tax advisor, CPA, financial planner or investment manager.

Investing involves risk, including loss of principal. Hedging and protective strategies generally involve additional costs and do not assure a profit or guarantee against loss.

Options carry a high level of risk and are not suitable for all investors. Certain requirements must be met to trade options through Schwab. Please read the options disclosure document titled "Characteristics and Risks of Standardized Options" before considering any option transaction. Supporting documentation for any claims or statistical information is available upon request.

With long options, investors may lose 100% of funds invested.

Covered calls provide downside protection only to the extent of premiums received, and prevent any profitability above the strike price of the call.

Cryptocurrency- related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.

Futures, futures options and Forex trading involves substantial risk and is not suitable for all investors. Please read the Risk Disclosure Statement for Futures and Options prior to trading futures products.

Forex trading involves leverage, carries a substantial level of risk, and is not suitable for all investors. Please read the Risk Disclosure for Forex.

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