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  • Balancing Campaign Promises With Economic Realities
    2024/11/14
    With the 2024 election in the rearview mirror, host Mike Townsend takes an in-depth look at the key policy debates that are coming in 2025 and the difficulties the incoming administration will have turning broad campaign promises into reality on Capitol Hill. Mike explores how razor-thin majorities in Congress and economic realities may necessitate compromise on four big policy issues that will dominate 2025 and impact every investor: tariffs, taxes, the debt ceiling, and deregulation. Mike also provides updates on non-election news out of Washington, including the Federal Reserve's most recent rate cut and efforts to preserve its independence; the odd dynamic of the post-election session of Congress and the looming deadline to fund government operations; and changes for 2025 to retirement savings contribution limits. Check out this IRS press release for more information on changes to (401)k and IRA contributions for 2025.WashingtonWise is an original podcast for investors from Charles Schwab. For more on the series, visit schwab.com/WashingtonWise.If you enjoy the show, please leave a ★★★★★ rating or review on Apple PodcastsIMPORTANT DISCLOSURES:The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Investing involves risk, including loss of principal.International investments involve additional risks, which include differences in financial accounting standards, currency fluctuations, geopolitical risk, foreign taxes and regulations, and the potential for illiquid markets. Investing in emerging markets may accentuate these risks.Small-cap stocks are subject to greater volatility than those in other asset categories.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.Past performance is no guarantee of future results, and the opinions presented cannot be viewed as an indicator of future performance.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.​Environmental, social and governance (ESG) strategies implemented by mutual funds, exchange-traded funds (ETFs), and separately managed accounts are currently subject to inconsistent industry definitions and standards for the measurement and evaluation of ESG factors; therefore, such factors may differ significantly across strategies. As a result, it may be difficult to compare ESG investment products. Further, some issuers may present their investment products as employing an ESG strategy, but may overstate or inconsistently apply ESG factors. An investment product’s ESG strategy may significantly influence its performance.Because securities may be included or excluded based on ESG factors rather than other investment methodologies, the product’s performance may differ (either higher or lower) from the overall market or comparable products that do not have ESG strategies. Environmental (“E”) factors can include climate change, pollution, waste, and how an issuer protects and/or conserves natural resources. Social (“S”) factors can include how an issuer manages its relationships with individuals, such as its employees, shareholders...
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    32 分
  • What Makes the U.S. Bond Market Appealing Now?
    2024/10/31
    Fixed income investors are likely focused on two big early November events: the presidential election and the Federal Reserve’s monetary policy decision. On this episode, host Mike Townsend is joined by Collin Martin, a fixed income strategist at the Schwab Center for Financial Research, for a timely conversation on how bond markets typically react to elections, how investors who are anxious about the election can use bond strategies to lock in good rates and help limit volatility in their portfolios, the outlook for another rate cut by the Fed, and why there may be opportunities now for investors interested in longer-duration bonds. Collin offers his perspective on corporate bonds, high-yield bonds, and Treasury Inflation-Protected Securities, or TIPS. Mike shares what he will be watching for on election night, as well as an update on the IRS inflation adjustments to key provisions of the tax code, including individual income tax brackets and the estate tax. Mike also references this recent IRS publication on inflation adjustments to key tax provisions.WashingtonWise is an original podcast for investors from Charles Schwab. For more on the series, visit schwab.com/WashingtonWise.If you enjoy the show, please leave a ★★★★★ rating or review on Apple PodcastsIMPORTANT DISCLOSURESInvestors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision. All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks, including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market.Treasury Inflation Protected Securities (TIPS) are inflation-linked securities issued by the U.S. Government whose principal value is adjusted periodically in accordance with the rise and fall in the inflation rate. Thus, the dividend amount payable is also impacted by variations in the inflation rate as it is based upon the principal value of the bond. It may fluctuate up or down. Repayment at maturity is guaranteed by the U.S. Government and may be adjusted for inflation to become the greater of either the original face amount at issuance or that face amount plus an adjustment for inflation.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.There are risks associated with investing in dividend paying stocks, including but not limited to the risk that stocks may reduce or stop paying dividends.An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.Past performance is no guarantee of future results, and the opinions presented cannot be viewed as an indicator of future performance.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.1024-30N6
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    38 分
  • Social Security: A Smart Part of Financial Planning
    2024/10/17

    For more than 89 years, almost every person who has taken home a paycheck has paid into the Social Security program. Many people rely on this benefit to help support their life in retirement. However, mistakes and misconceptions abound. On this episode, host Mike Townsend welcomes Susan Hirshman, a director of wealth management for Schwab Wealth Advisory and the Schwab Center for Financial Research, for an important discussion about the need for people of all ages to be more focused on the facts versus emotions about the Social Security system, especially when it comes to the health of the program and when and how Congress may move to shore it up for decades to come. Susan discusses how to get the most out of Social Security and how the strategies can be very different depending on your circumstances. Mike and Susan also look at some of the most common Social Security­–related scams and how to avoid them.

    And Mike provides his latest thoughts on the state of the election with less than three weeks to go before Election Day.

    WashingtonWise is an original podcast for investors from Charles Schwab. For more on the series, visit schwab.com/WashingtonWise.

    If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts

    IMPORTANT DISCLOSURES

    The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. All expressions of opinion are subject to changes without notice in reaction to shifting market, economic, and geopolitical conditions. Data herein is obtained from what are considered reliable sources; however, its accuracy, completeness, or reliability cannot be guaranteed. Supporting documentation for any claims or statistical information is available upon request.

    Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.

    Investing involves risk, including loss of principal.

    The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.

    Supporting documentation for any claims or statistical information is available upon request.

    The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.

    Schwab Wealth Advisory™ ("SWA") is a non‐discretionary investment advisory program sponsored by Charles Schwab & Co., Inc. ("Schwab"). Schwab Wealth Advisory, Inc. ("SWAI") is a Registered Investment Adviser and provides portfolio management for the SWA program. Schwab and SWAI are affiliates and are subsidiaries of The Charles Schwab Corporation.

    1024-ZWE1

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    39 分
  • Global Issues Abound: Should Investors Be Worried?
    2024/10/03
    Everyday investors are inundated with troubling news from around the world, but it’s hard to know what the impact could be on the U.S. economy and markets. Jeff Kleintop, Charles Schwab’s chief international strategist, joins host Mike Townsend to dive into China’s struggling economy, actions by central banks around the globe, trade concerns, elections in over 80 countries and the impact on policies, and what it all means for investors.Mike looks at how the recent continuing resolution passed by Congress avoided a government shutdown but pushes the funding deadline to December 20 and into the hands of the "lame duck" session when Congress returns after the elections. Mike also looks at the bipartisan decision by the SEC to move to half-cent pricing on some stocks, and he shares insights on the latest efforts in Congress to provide a better regulatory structure and more protection for investors when it comes to cryptocurrency.WashingtonWise is an original podcast for investors from Charles Schwab. For more on the series, visit schwab.com/WashingtonWise.If you enjoy the show, please leave a ★★★★★ rating or review on Apple PodcastsImportant DisclosuresThe policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. All expressions of opinion are subject to changes without notice in reaction to shifting market, economic, and geopolitical conditions. Data herein is obtained from what are considered reliable sources; however, its accuracy, completeness, or reliability cannot be guaranteed. Supporting documentation for any claims or statistical information is available upon request.Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Past performance is no guarantee of future results and the opinions presented cannot be viewed as an indicator of future performance.Investing involves risk, including loss of principal.International investments involve additional risks, which include differences in financial accounting standards, currency fluctuations, geopolitical risk, foreign taxes and regulations, and the potential for illiquid markets. Investing in emerging markets may accentuate these risks. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.Commodity-related products carry a high level of risk and are not suitable for all investors. Commodity-related products may be extremely volatile, may be illiquid, and can be significantly affected by underlying commodity prices, world events, import controls, worldwide competition, government regulations, and economic conditions.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Currency trading is speculative, volatile and not suitable for all investors.Diversification and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.​This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, you should consult with a qualified tax advisor, CPA, Financial Planner, or Investment Manager.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see ​schwab.com/indexdefinitionsThe MSCI United Kingdom Index captures the performance of the large and mid cap segments of the UK market, covering approximately 85% of the free float-adjusted market capitalization in the UK.(1024-X15L)
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    40 分
  • Rate Cuts Begin, but It's the Message That Matters
    2024/09/19

    Investors are cheering the Fed's first rate cut in four years, but there is more to that story. Kathy Jones, Charles Schwab's chief fixed income strategist, joins host Mike Townsend to discuss what prompted the Fed to take action now, as well as what economic factors will guide how far the Fed lowers rates and how quickly they roll out additional cuts. Kathy also considers what rate cuts mean for the bond markets and shares where she sees potential opportunities for fixed income investors in this changing environment.

    Mike shares his thoughts on how Congress will respond to the fast-approaching deadline to fund all government operations and avoid a shutdown. He also looks at how the presidential race is shaping up and weighs in on how the races in the Senate and the House may lead to another divided Congress. Finally, Mike examines the presidential candidates' tax proposals and explores whether they have any chance of actually becoming law.

    WashingtonWise is an original podcast for investors from Charles Schwab. For more on the series, visit schwab.com/WashingtonWise.

    If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts

    Important Disclosures

    The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.  

    All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed.  

    Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. 

    Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks, including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.

    Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.

    Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market.

    Tax‐exempt bonds are not necessarily a suitable investment for all persons. Information related to a security's tax‐exempt status (federal and in‐state) is obtained from third parties, and Schwab does not guarantee its accuracy. Tax‐exempt income may be subject to the Alternative Minimum Tax (AMT). Capital appreciation from bond funds and discounted bonds may be subject to state or local taxes. Capital gains are not exempt from federal income tax.

    The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.

    Mortgage-backed securities (MBS) may be more sensitive to interest rate changes than other fixed income investments. They are subject to extension risk, where borrowers extend the duration of their mortgages as interest rates rise, and prepayment risk, where borrowers pay off their mortgages earlier as interest rates fall. These risks may reduce returns.

    Money market funds are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of an investment at $1.00 per share, it is possible to lose money by investing in the fund.

    Past performance is no guarantee of future results, and the opinions presented cannot be viewed as an indicator of future performance.

    Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see ​ Schwab.com/IndexDefinitions.

    (0924-U223)

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    32 分
  • Election 2024 Reset: What’s Next?
    2024/07/25

    When President Biden announced his decision to drop his campaign for a second term, everything we thought we knew about the 2024 election was turned on its ear. The questions, the speculation, and the theories all began to swirl. In this episode of WashingtonWise, host Mike Townsend clears up the rules surrounding a change of candidates, discusses what it means for the Democratic convention, and addresses how it impacts the ballots. He also answers investors' questions about what the upheaval in the race means for congressional elections and for the markets.

    Mike also checks in on other news from Washington, including congressional hearings underway to identify the breakdown in security that allowed the recent assassination attempt on Donald Trump and address ways to prevent any recurrence; a bi-partisan agreement to ban elected officials from trading stocks; and the long-delayed finalization of IRS rules pertaining to inherited IRAs.

    WashingtonWise is an original podcast for investors from Charles Schwab. For more on the series, visit Schwab.com/WashingtonWise.

    If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts.

    Important Disclosures

    Investors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.

    The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.

    The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.

    All expressions of opinion are subject to change without notice in reaction to shifting market conditions. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed.

    Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.

    Investing involves risk, including loss of principal.

    The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.

    Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.

    Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.

    Apple, the Apple logo, iPad, iPhone, and Apple Podcasts are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

    Spotify and the Spotify logo are registered trademarks of Spotify AB.

    (0724-FN7H)

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    23 分
  • U.S. Economy: A Glass Half Full, Half Empty, or Both?
    2024/07/11

    When it comes to cutting interest rates, the Federal Reserve seems determined to stick with its plan to take it slowly and let the data guide their decisions. But what data are they looking at, and what is it telling them? And what cues does the data have for investors? On this episode, host Mike Townsend and Kevin Gordon, director and senior investment strategist with the Schwab Center for Financial Research, sort through inflation numbers, consumer confidence data, the latest jobs report, and more to explain what's important to the Fed. Kevin also looks back at the markets' strong first half of the year and what the underlying data may signal for the second half of 2024. And he provides his perspective on why investors feel anxious about the market even amidst strong performance.

    Mike also provides the latest from Washington, including a Supreme Court decision that could have far-reaching implications for companies and the markets and a setback for bipartisan privacy legislation. And Mike shares insights on the process should a presidential nominee choose not to run.

    WashingtonWise is an original podcast for investors from Charles Schwab. For more on the series, visit Schwab.com/WashingtonWise.

    If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts

    IMPORTANT DISCLOSURES

    The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.

    The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. All expressions of opinion are subject to changes without notice in reaction to shifting market, economic, and geopolitical conditions. Data herein is obtained from what are considered reliable sources; however, its accuracy, completeness, or reliability cannot be guaranteed. Supporting documentation for any claims or statistical information is available upon request.

    Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.

    Investing involves risk, including loss of principal.

    All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.

    The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.

    ​Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market.

    Schwab does not recommend the use of technical analysis as a sole means of investment research.

    Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.

    Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.

    Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see Schwab.com/IndexDefinitions.

    Past performance is no guarantee of future results and the opinions presented cannot be viewed as an indicator of future performance.

    The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.

    0724-CGWU

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    35 分
  • Adopt a Trader Mindset to Manage Your Emotions
    2024/06/27
    While the stock market continues to march higher, investors still have a lot of concerns. There’s the fear of missing out as certain individual stocks like Nvidia have turned in stellar performances. And then there are concerns about rising oil prices, lingering high interest rates, and the November elections. All the uncertainty is causing investor emotions to run high and can impact investing decisions. Kevin Horner, senior manager on the Charles Schwab Trading Services Education Team and a coach on Schwab’s Trader Talk webcasts on YouTube, joins host Mike Townsend to talk through investors’ key concerns and the impact they are likely to have on the markets—and to share tips on how traders work to stay data-driven and keep emotions out of their investing.In his Washington update, Mike discusses tax proposals from the presidential candidates, the big changes in leadership coming to the FDIC, the trickle-down effect those changes could have on the CFTC, and the new format for the presidential debates.You can join upcoming Schwab Coaching Webcasts at: https://www.youtube.com/channel/UCRKoXeObvJ1BtjHFAMEaXFwWashingtonWise is an original podcast for investors from Charles Schwab. For more on the series, visit schwab.com/WashingtonWise.If you enjoy the show, please leave a ★★★★★ rating or review on Apple Podcasts IMPORTANT DISCLOSURESInvestors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges​The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. All expressions of opinion are subject to changes without notice in reaction to shifting market, economic, and geopolitical conditions. Data herein is obtained from what are considered reliable sources; however, its accuracy, completeness, or reliability cannot be guaranteed. Supporting documentation for any claims or statistical information is available upon request.Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Investing involves risk, including loss of principal.Schwab does not recommend the use of technical analysis as a sole means of investment research.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see Schwab.com/IndexDefinitions.Past performance is no guarantee of future results and the opinions presented cannot be viewed as an indicator of future performance.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. 0624-ABH6
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    40 分