Category Archive: 9a.) Real Investment Advice

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Withholding Taxes: Better Forecasting Employment Data

2025-09-02

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2025-09-02

Once again, we find ourselves waiting on the all-important BLS labor report. The markets and the Fed are heavily dependent on the monthly BLS employment data; however, there are other labor market data sources that can provide a more frequent indication of labor market conditions. For instance, the weekly BLS data on jobless claims helps …

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Portfolio Risk Management: Accepting The Hard Truth

2025-09-01

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2025-09-01

Alfonoso Peccatiello recently wrote an interesting piece on portfolio risk management, starting with a quote from Steve Cohen: ‘’I compile statistics on my traders. My best trader makes money only 63 percent of the time. Most traders make money only in the 50 to 55 percent range. That means you’re going to be wrong a …

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Meme Markets: Investing vs. Entertainment

2025-08-30

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2025-08-30

🔎 At a Glance 💬 Ask a Question Have a question about the markets, your portfolio, or a topic you'd like us to cover in a future newsletter? 📩 Email: [email protected]🐦 Follow & DM on X: @LanceRoberts📰 Subscribe on Substack: @LanceRoberts We read every message and may feature your question in next week’s issue! 🏛️ …

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9-1-25 Labor Day Special

2025-08-29

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Millennials are turning everywhere for financial advice—from TikTok influencers and YouTube gurus to Reddit forums and traditional advisors. But where should they really go for smart money guidance? Lance Roberts, Danny Ratliff, and Jonathan Penn explore the pitfalls of following social media “experts,” the real risks of private equity and alternative investments, and why annuities and insurance require the right questions before committing....

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8-29-25 Profits are Good

2025-08-29

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Do you freeze up when considering selling a stock at a profit because you don't want to pay taxes? Remember, if you have to pay taxes, you made money, and isn't that the whole point of investing? RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Relationship Manager, Matt Doyle, CFP Produced by Brent Clanton, Executive Producer ------- Sign up for Lance's newsletter: https://realinvestmentadvice.com/newsletter/ ------- ➢...

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8/29/25 Why Do Investors Hate to Sell?

2025-08-29

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Why do investors struggle when it comes to selling stocks? Richard Rosso & Matt Doyle look at the psychology of investing—exploring concepts like loss aversion, behavioral finance traps, and the emotional biases that make it so hard to hit the sell button. Whether you’re a DIY investor or managing money professionally, understanding why we hold on too long is critical to protecting and growing your wealth. * Why fear and regret drive poor...

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Energy Price As An Economic Indicator

2025-08-29

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2025-08-29

What are energy prices telling us about the economy? A recent article on Bloomberg noted that: "Hedge funds slashed their bullish position on crude to the lowest in about 17 years as risks of additional sanctions on Russian crude oil waned, bringing concerns about a global supply glut back to the fore. Money managers’ net-long position on …

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The Nvidia Earnings Train Keeps On Rolling

2025-08-29

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2025-08-29

Once again, Nvidia continues to see its earnings and revenues grow at astonishing rates. Consider the following: As we noted, data center revenue is driving Nvidia's fantastic earnings and revenue growth. Helping maintain this growth is its Blackwell GPU architecture. In the last quarter, the new Blackwell products saw a 17% jump in revenue. As …

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9-1-25 Labor Day Special Show

2025-08-28

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Lance Roberts is joined by Jonathan Penn and Danny Ratliff to break down ten rules for navigating excess market bullishness so you can protect your portfolio while still participating in market gains. Lance also examines earnings growth forecast justification, and why retail investors are the last resort for Wall Street. In this episode of Two Dads on Money, Lance Roberts & Jonathan Penn dive into how Millennials find financial advice in...

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8-28-25 The “Gamification” of Markets Does Not End Well for Young Investors

2025-08-28

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Retail trading as a percentage of total volume is at all time highs; Retail trading of Zero-days-to-expiration Options are 60% of total options volume. We've turned the investing market into an entertainment market. This does not end well. RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Sign up for Lance's newsletter: https://realinvestmentadvice.com/newsletter/ ------- ➢ Watch...

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8/28/25 Nvidia Falls Short

2025-08-28

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Nvidia reported earnings with strong overall results, but Wall Street was not impressed. Despite solid forward guidance, a data center revenue miss rattled investors and sent the stock lower. Lance Roberts & Michael Lebowitz break down Nvidia’s earnings highlights, why guidance failed to wow the bulls, and what this means for tech stocks going forward; the ongoing soap opera that is the Federal Reserve: Jerome Powell, Lisa Cook, and dovish vs...

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How to Use Advanced Tax Planning to Maximize Long-Term Wealth

2025-08-28

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2025-08-28

Tax planning is often viewed through the narrow lens of annual deductions and April deadlines. But for high-income earners and business owners, advanced tax planning strategies can be one of the most powerful tools for building and preserving long-term wealth. Strategic, forward-looking tax planning isn't just about minimizing what you owe today. Instead, it's about …

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As The Fed Turns: The Soap Opera Grows More Intriguing

2025-08-28

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2025-08-28

President Trump fired Fed Governor Lisa Cook for cause. The President claims, There is sufficient reason to believe you may have made false statements on one or more mortgage agreements. This is the first time in the 112-year history of the Fed that a President has fired a Fed Governor. Cook is fighting the dismissal, …

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8-23-25 Savvy Social Security Planning

2025-08-27

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Will Social Security be there for you when you’re ready to retire? Richard Rosso and Jonathan Penn host Candid Coffee on Savvy Social Security Planning, sharing the in's and out's of the Social Security system, answering questions like when you should apply for Social Security—and how much should you expect to receive? INTRO/Genesis of Candid Coffee 4:30 Teaser questions 5:15 Claiming Options & Costly Decisions about Social Security 9:40...

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8-27-25 The Taylor Swift Influence on Markets

2025-08-27

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Can Taylor Swift move markets? Signet saw a 3% bump as a result of the pop star's engagement ring presentation by Travis Kelce. RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Sign up for Lance's newsletter: https://realinvestmentadvice.com/newsletter/ ------- ➢ Watch Live Mon-Fri, 6a-7a Central on our YouTube Channel: www.youtube.com/c/TheRealInvestmentShow ------- ➢ Listen...

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8/27/25 Is the Taylor Swift Engagement a Market Event?

2025-08-27

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Taylor Swift’s engagement has captured global attention—but does it matter for investors? Lance Roberts & Danny Ratliff examine why celebrity headlines dominate financial chatter, what it says about investor psychology, and why distraction often shows up near the peak of speculative markets. ✅ How celebrity news becomes a market “story” ✅ Why investors chase hype instead of fundamentals ✅ The risks of distraction during late-stage bull...

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Momentum Strategies And Physics: Mass And Velocity Matter

2025-08-27

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2025-08-27

In his 1687 book, Philosophiae Naturalis Principia Mathematica, Sir Isaac Newton defined momentum as the product of mass and velocity, or p = m * v. The reason we begin with a physics lesson is that momentum strategies are very popular, and Isaac Newton's famous formula can teach us a lot about financial asset momentum. …

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Smart Money Loves Healthcare: But Are They Now Dumb?

2025-08-27

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2025-08-27

We have written a few Commentaries over the last year describing how retail, not institutional, investors are driving markets higher. To wit, there is ample evidence that with each market dip, retail investors are not selling, instead buying unrelentingly. In May, we wrote the following: Typically, institutional investors are right; however, over the last few …

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8-26-25 The Importance of Saving First

2025-08-26

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There is no substitute for starting to save early, and paying yourself first. RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Sign up for Lance's newsletter: https://realinvestmentadvice.com/newsletter/ ------- ➢ Watch Live Mon-Fri, 6a-7a Central on our YouTube Channel: www.youtube.com/c/TheRealInvestmentShow ------- ➢ Listen daily on Apple Podcasts:...

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8/26/25 Are Robo Advisors All They’re Cracked Up to Be?

2025-08-26

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New invesors ofen believe ha higher risk equals higher reward—bu ha’s no always he case. Lance Robers & Jonahan Penn explore why newbie invesors ake on more risk han experienced ones, he common invesing misakes beginners make, and how risk managemen sraegies can proec long-erm wealh. From porfolio allocaion o invesor psychology, we’ll compare how experienced vs. beginner invesors approach risk and why discipline maers more han luck. If you’re...

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