Joe Sperlazzo

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Insights & Ideas | Charles Schwab

At Charles Schwab, we encourage everyone to take ownership of their financial life by asking questions and demanding transparency.<p>Our <b>Insights & Ideas</b> bring you information that fosters that ownership, because we believe that the best outcomes in life come from being fully engaged.

You Could Retire Right Now, No Matter How Big (Or Small) Your Retirement Nest Egg -- Here's How

A 40-year-old friend, Bill, told me that he believes he needs $5 million to retire.<p>"Part of that will be equity in my home," Bill explained. "But I'd like to have $4 million invested. With today's low interest rates, even with $4 million, I'll barely have enough to live."<p>Bill figures that, even if …

Will Low Interest Rates Delay Retirement For Boomers And Gen-Xers?

As retirees and their advisors have learned during this four-year income drought, low interest rates can be devastating to retirement savings. A recent study offers a sobering look at the implications of a continued low interest rate Federal Reserve policy.<p>The Employee Benefit Research Institute …