Financial Decoder

Financial Decoder
Cognitive and emotional biases can have a big impact on your financial life.

Should You Be More Active With Your Portfolio?
Jun 17 • 26 min
There are a lot of ways your emotions and biases can get in the way of buying or selling a stock. What are some strategies to try to overcome these traps?
Do You Really Need an Estate Plan?
Jun 3 • 17 min
You don’t have to be super wealthy to have an estate plan. In fact, most people could benefit from one. So why do we tend to procrastinate?
When Should You Retire?
May 20 • 29 min
There’s no one retirement age that’s right for everyone, but what are the factors that can help you make your own decision?
How Can You Catch Up on Retirement Savings?
May 6 • 23 min
If you’re behind on saving for retirement, it can seem almost impossible to get on the right track. Can our built in biases actually help make the catch-up process easier?
Should You Rethink the Risk in Your Portfolio?
Apr 22 • 21 min
We all want to earn significant returns on our investments, but a major factor is whether we’re willing to accept the associated risks. Are there biases in the way of our decisions about risk?
Should You Diversify Differently?
Apr 8 • 38 min
The more stocks you own, the more diversified you are, right? Not necessarily. There could be other factors—including your own built-in biases—holding you back from creating a truly diversified portfolio.
What Should You Do with Your 401(k)?
Feb 25 • 29 min
Most people with a 401(k) realize it’s critical to achieving their retirement goals, but what is the best way to take care of it and help it grow?
How Much Risk Should You Take with Bonds?
Feb 11 • 30 min
As investors get closer to retirement, they often start to think more about bonds—and about reducing risk.
How Do You Evaluate an ETF?
Jan 28 • 20 min
If you’ve ever looked at investing in exchange-traded funds (or ETFs), how did you decide which were right for you? There might be some blind spots in your decision-making process.
How Can You Reach Your Financial Goals?
Jan 14 • 30 min
We all have goals. Juggling multiple goals in a world of finite time and money can be tough. Whatever your goal in life is, can you name the steps you need to take in order to actually achieve it? There’s clear evidence that the best way to achieve your…
How Can You Save More?
Dec 17, 2018 • 21 min
People are hardwired to value earning money more than saving it. In this episode, Mark Riepe and Carrie Schwab-Pomerantz discuss both saving and spending strategies.
Does Your Portfolio Need Adjusting?
Dec 3, 2018 • 13 min
Calculating the performance of your portfolio can be tricky. If you don’t get it right, you might not be able to answer the pivotal question of whether or not you need adjust your mix of investments. How do your built-in biases affect the way you think…
When Should You Take Social Security?
Nov 19, 2018 • 23 min
Social Security is a complex topic. And if you’re nearing retirement, when to claim your benefits is a critical decision.
What Should You Sell?
Nov 5, 2018 • 19 min
In this episode of Financial Decoder, host Mark Riepe, head of the Schwab Center for Financial Research, examines the psychological forces that impact a common investing decision: What should you sell?
Introducing Financial Decoder
Oct 29, 2018 • 2 min
In this new podcast, host Mark Riepe, head of the Schwab Center for Financial Research, unpacks important financial decisions and the biases that may prevent you from choosing wisely. Subscribe for free today to get the first episode when it launches…