Category Archive: 9a.) Real Investment Advice

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8-1-25 Herd Mentality Could Be Costing You Big

2025-08-01

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Why do investors so often buy high and sell low? Jonathan Penn & Matt Doyle expose the dangers of herd mentality in the stock market, how FOMO (fear of missing out) drives bad decisions, and what behavioral finance teaches us about avoiding costly investing mistakes. Learn how to recognize crowd behavior—and how to protect your portfolio from emotional traps. Jon & Matt also cover market response to new tariffs, and whether markets will...

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Debasement: What It Is And Isn’t.

2025-08-01

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2025-08-01

Over the past year, financial headlines continue to flood investors with doomsday predictions about the U.S. dollar. Whether it's social media influencers waving "dollar collapse" charts or YouTube personalities warning about debasement, the noise has become deafening. The narrative is seductive: inflation is out of control, the government is printing money, and the dollar is on its last legs.

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GDP Is Meh: The Bullish And Bearish Headlines Are Misleading

2025-08-01

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2025-08-01

The BEA reported that real GDP grew by 3.0% in the second quarter. Such is almost a percent better than the longer run trend growth rate, and is a cause for optimism for some. However, first quarter GDP was -0.5%, well below trend growth, and worthy of pessimism. The problem with being optimistic about the second quarter or pessimistic about the first quarter is that the threat of tariffs and actual tariffs abnormally impacted the data. 

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7-31-25 How High Interest Rates Impact the Housing Market

2025-07-31

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He housing market is like a pyramid: Younger buyers purchase homes from the generation ahead of them so those buyers can move up. Higher rates are making those houses unaffordable and the pyramid ceases to work. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA. Produced by Brent Clanton, Executive Producer ------- Read the article Lance mentions on our website, sign up for Lance's...

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7-31-25 The Fed Holds Firm

2025-07-31

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The Federal Reserve holds interest rates steady in its latest policy meeting, signaling a firm stance amid inflation concerns, and despite unchecked market bullishness. Lance Roberts & Michael Lebowitz break down what the Fed's decision means for investors, the economy, and your portfolio. AI datacenter buildouts are showing up in economic data...but, the 3% GDP print has a more dire undertone: Strip out the build outs, and the economy is...

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Dissent In The Fed Ranks

2025-07-31

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2025-07-31

December 2024 marked the second-to-last time there was a dissent by an FOMC voting member. The dissent, at the time, was a sole vote by Jefferey Schmid against cutting rates. The last dissent was yesterday. While the Fed voted to maintain the Fed Funds rate at 4.25-4.50%, Michelle Bowman and Christopher Wallace cast dissenting votes in favor of reducing rates.

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7-30-25 How to Effectively Hedge Against Inflation

2025-07-30

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IIt's a mega-earnings report day, and a Fed Meeting day, to boot; the notion among some investors that 20% returns are normal is scary. The Fed is expected to hold steady on interest rates, but there is dissention in the ranks of Fed Governors. Inflation erodes your purchasing power—are you prepared? Lance Roberts & Danny Ratliff break down smart strategies to hedge against inflation and protect your wealth. Lance and Danny commiserate on kids...

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A Ponzi Scheme: The Graph Driving MicroStrategy And Others

2025-07-30

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2025-07-30

The graph below, from Michael Green (@profplum99), is the best way to show the logic that drives a Ponzi scheme in Bitcoin. The Ponzi scheme graph illustrates that there is a robust correlation between changes in the amount of Bitcoin held in funds (ETFs) and the price change. Simply, as new capital is used to …

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The High Beta Melt Up: Echoes Of 1999

2025-07-30

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2025-07-30

In our recent article, "The Magnificent Seven Are Mediocre," we pondered whether the stock market is entering a melt-up phase, where investors driven by extreme speculative behavior and hopes for exponential returns favor volatile stocks with high betas. To be clear, we do not know whether we are in a melt-up phase. The market could …

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There Will Always Be a Need for Human Connection Even With AI

2025-07-29

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While AI may replace some jobs, it’s important to remember that certain roles will always require the human touch—no matter how advanced technology becomes. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, Produced by Brent Clanton, Executive Producer ------- ➢ 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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7-29-25 Two Dads on Money: Grit, Grind, & Glam

2025-07-29

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Markets continue their bullish trend; Infrastructure build-out for AI is beginning to show up in data. Money flows return to US markets. Lance shares the bet he has with his dog; Lance & Jon share their "Two Dads" wisdom for fresh college grads' job searched & career choices, and offer three pillars for success: ○ Grit: Passion + perseverance. Stick through setbacks, stay committed, believe effort matters more than innate...

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Tax-Efficient Wealth Transfer Strategies for Business Owners

2025-07-29

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2025-07-29

As a business owner, you've worked hard to build wealth for yourself, your family, and future generations. Yet without the right plan, a significant portion of your estate could be lost to taxes. That’s where tax-efficient wealth transfer strategies come into play. These strategies help you reduce estate tax exposure, preserve your legacy, and support …

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Portable Data Centers

2025-07-29

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2025-07-29

Construction of AI data centers can take anywhere from six months to multiple years to complete. Accordingly, they can't build data centers quickly enough to keep up with the demand. Accordingly, we will need new, innovative solutions to meet the demand. For example, a startup private company named Armada makes portable AI data centers for …

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Not Everything Goes Down During a Correction

2025-07-28

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Money doesn't leave the market during a correction; not everything goes down during a corrective action in the markets. So where do you look to place extra cash? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, Produced by Brent Clanton, Executive Producer ------- ➢ 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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7-28-25 Big Tech Earnings

2025-07-28

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Big Tech Earnings: Lance Roberts reviews what Apple, Google, and Microsoft Just Revealed, plus Market Reaction & Forecast on #TheRealInvestmentShow. #BigTechEarnings #TechStocks2025 #EarningsSeason #StockMarketNews #FAANG

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7-28-25 Monday Stream Test

2025-07-28

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Check Czech Chex

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Portfolio Benchmarking: 5-Reasons Underperformance Occurs

2025-07-28

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2025-07-28

When markets decline—especially after long periods of sustained growth—the familiar advice resurfaces: "Be patient. Stay invested. Ride it out." The rationale? The market always goes up over time. But there's a critical flaw in this narrative. Your portfolio and a portfolio benchmark are entirely different things. And portfolio benchmarking, or the constant comparison of your …

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The Week Ahead: Volatility Is In The Forecast

2025-07-28

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2025-07-28

Typically, in Monday's Commentaries, we share a few paragraphs titled "The Week Ahead' in a lower section. This week, the amount and importance of the data could have a meaningful impact on markets and the Fed. Thus, this week's' "The Week Ahead' gets top billing. Let's review the calendar: Between this week's labor and inflation … Continue...

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Retail Data Sends A Warning

2025-07-26

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2025-07-26

🔎 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! 🏛️ … Continue reading...

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7-25-25 Are You a Meme Stock Mania DORK?

2025-07-25

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Is your portfolio full of DORKs? Jonathan Penn and Jonathan McCarty unpack the return of meme stock mania and four speculative favorites: DNUT (Krispy Kreme), OPEN (Opendoor), RKLB (Rocket Lab), and KSS (Kohl's). These retail-loved names are soaring again—but should you follow the hype or stay grounded? We'll discuss why these stocks are rallying, the behavioral finance behind retail speculation, and the portfolio risks in chasing "lottery...

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