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April 21, 2026
Investing Insights
Your monthly roundup of financial planning, retirement, and market trends from Schwab.
Gambler's Blues: Betting Isn't Investing
By Liz Ann Sonders, Kevin Gordon
Gambling is rising in popularity, blurring lines between betting vs. investing. Misunderstanding the key differences can endanger financial security.
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IRA Rules: 8 Things You Need to Know
By Hayden Adams
Knowing about different IRA rules can help you make better decisions about which type of retirement account best suits your situation.
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Should You Consider a Roth 401(k)?
By Hayden Adams
With their federal tax-free earnings and large contribution limits, Roth 401(k)s could be a useful addition to your retirement-savings toolbox.
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Join us on May 1 for Education Day
In honor of National Investing Day, the Schwab Coaching® team will be hosting a special day of educational events designed to help you take ownership of your financial future.
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What Are Tax Brackets, and How Do They Work?
By Hayden Adams
Learn how tax brackets and rates can affect your tax bill and potentially influence investment decisions.
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Capital Gains Tax Rates: Short-term vs. Long-term
By Hayden Adams
When an asset is sold for a profit, Uncle Sam wants his share. Depending on your income level, your capital gains rate might be lower than your ordinary tax rate.
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What Is the Saver's Credit and How Does It Work?
By Hayden Adams
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.
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How Much Insurance Do You Need?
By Austin Jarvis, Joseph Reyes
Insurance offers not just downside protection but also financial stability. Here's a look at the costs and considerations of several types of insurance coverage.
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Quiz
A 10% rise in oil prices generally boosts inflation by how much over the following year?
A. 0.4%
B. 0.8%
C. 1%
D. 2%
Keep scrolling to see if you got it right.
Schwab Market Perspective: Navigating Uncertainty
By Liz Ann Sonders, Kevin Gordon, Collin Martin, Michelle Gibley, Chris Ferrarone
Iran war-related headlines continue to cause volatility in the markets and oil prices to rise, but our experts remind readers that uncertain times might also present opportunities.
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Key Issues in Washington Overshadowed by War
By Michael Townsend
War is dominating the headlines, but investors should keep an eye on Washington as policymakers grapple with other concerns, from Fed moves to budget fights to regulatory issues.
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7 Ways to Cut Cross‑Country Move Costs
By Caylie Taylor
Moving across the country takes time and money, but it can be a fun adventure. Get practical tips from someone who's done it three times. Learn more.
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What to Know about International Estate Planning
By Schwab Center for Financial Research
International estate planning doesn't have a one-size-fits-all strategy—learn about challenges non-U.S. citizens can face and what to consider when creating an estate plan.
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Quiz Answer
0.4%.
According to the Federal Reserve, a 10% rise in the price of oil contributes a 0.4% acceleration in the Consumer Price Index. Oil prices rose 40% in the three weeks after the United States and Israel began airstrikes on Iran on February 28, which could complicate things for the Fed in the coming months. Barring a quick resolution to the war, the central bank will closely watch not only oil prices themselves but how higher energy prices travel through supply chains and distribution networks.
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