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From: "Charles Schwab & Co., Inc." <donotreply@email.schwab.com>
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Subject: IRA Rules: 8 Things to Know, and more | April 2026
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Charles Schwab & Co., Inc.
 
 







 


 









 
 

 
 



  




  


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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
 
 
 

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 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
 
 
 

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 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)?
 
 
 

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 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?
 
 
 

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 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
 
 
 

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 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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 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
 
 
 

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 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
 
 
 

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 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
 
 
 

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 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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<div class="preheader" style="font-size: 1px; display: none !important;">Your monthly roundup of market news and commentary from Schwab</div>
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<p style="font-family: Arial, Helvetica, sans-serif; font-weight: normal; color: #333333; font-size:14px; line-height:130%;">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. <a href="https://click.email.schwab.com/?qs=ABB7InYiOjEsImQiOjQ4NTN9AAcAAAAAAFUrqbdRUf8GlG-B1H8C0_-j3sbTfGcdnDroXocMaSjCA3TnaQBG54yHEEXF-fLVSTmoq6d1uNgFcYQ9jgwtyHoGnntlHvrackyxeFW7" style="color: #0066cc;" target="_blank">Register now</a>.</p></td></tr></table><!--BEGIN DISCLOSURE--></td></tr></table><!--END DISCLOSURE-->









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              Learn how tax brackets and rates can affect your tax bill and potentially influence investment decisions.</p>
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              How Much Insurance Do You Need?</h3>
            
            
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              By Austin Jarvis, Joseph Reyes</p>
            
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              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.</p>
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            <h2 class="h2subhead" style="font-family: Arial, Helvetica, sans-serif; font-size: 24px; line-height: 30px; margin: 0 0 15px 0; padding: 0px; font-weight: normal;">A 10% rise in oil prices generally boosts inflation by how much over the following year?</h2><p style="font-family: Arial, Helvetica, sans-serif; font-weight: normal; color: #333333; font-size:17px; line-height:28px;">
             A. 0.4%<br>
             B. 0.8%<br>
             C. 1%<br>
             D. 2%</p>
<p style="font-family: Arial, Helvetica, sans-serif; font-weight: normal; color: #333333; font-size:17px; line-height:28px; margin:0">Keep scrolling to see if you got it right.</p></td></tr></table></td></tr></table></td></tr></table>








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            <h2 class="h2subhead" style="font-family: Arial, Helvetica, sans-serif; font-size: 24px; line-height: 30px; margin: 0 0 15px 0; padding: 0px; font-weight: normal;">0.4%.</h2> <p style="font-family: Arial, Helvetica, sans-serif; font-weight: normal; color: #333333; font-size:17px; line-height:28px;margin-bottom:0px;">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.</p></td></tr></table></td></tr></table></td></tr></table>




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