Category Archive: 9a.) Real Investment Advice

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How a Risk-Managed Investment Strategy Reduces Emotional Decision-Making

2025-07-15

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2025-07-15

Investing is as much about mindset as it is about markets. When volatility strikes or headlines spark fear, even experienced investors can fall prey to emotional decision-making. Selling too soon, buying too late, or abandoning a plan entirely. These responses often do more harm than good. That’s where a risk managed investment strategy can make …

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7-14-25 Market Predictions Need Three Things to be Valid

2025-07-14

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There need to be three things to quantify any market prediction to make it of any use whatsoever to investors: When? Why? ANd what course of action should be taken. If those three facts are missing, the outlook is useless. 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...

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7-14-25 Relative Returns Or Absolute: What’s More Important?

2025-07-14

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Earnings Season has commenced with lowered expectations, meaning higher "beat" rates for companies, thanks to the lowered bar. Market react mildly to Mexican & Canadian 30% Tariffs; a warning for this week's CPI Report: The past four reports have been lower than expected, so a much higher number may be printed this time around. A three-month preview of market probabilities shows 50-50 chance of continued bullish activity; BUT, markets...

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7-14-25 Monday Stream Test

2025-07-14

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Check Czech Chex

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MP Materials Is Bought By Uncle Sam

2025-07-14

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2025-07-14

In a unique event, the US government, specifically the Department of Defense (DoD), bought a 15% stake in the nation's largest rare earth miner, MP Materials (MP). The DoD is buying $400 million of MP’s convertible preferred stock. The transaction will make the government MP’s largest shareholder. The following quote on the benefits of the partnership …

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Relative Returns Or Absolute. What’s More Important?

2025-07-14

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2025-07-14

A couple of years ago, I wrote about absolute versus relative returns. Given the latest market run, I am getting a lot of questions about chasing returns, and individuals comparing themselves to the S&P 500 index. Historically, trying to beat a benchmark index leads to poor outcomes. However, understanding absolute and relative returns can help …

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Is The Dollar Setting Up For A Comeback?

2025-07-12

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2025-07-12

🔎 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...

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7-11-25 Impact of the New $6,000 Tax Deduction on Middle-class Tax Payers

2025-07-11

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The "no-tax on Social Security" promise is a false premise, BUT passage of the $6,000 tax deduction DOES help a lot these middle class Americans who are paying taxes on social security. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP 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...

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7-11-25 What the Big Beautiful Bill Means for Your Money

2025-07-11

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What is the impact of the recently-passed Big Beautiful Bill on your money and retirement plans? Richard Rosso & Jonathan McCarty plumb the depths of the legislation to find the good--and the bad--effects it will have. Richard review the latest round of tariffs on Canada (markets don't care), and AI is promising to be a game changer in the middle management job market. The Big Beautiful Bill has benefits and drawbacks: there are caps and...

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Q2-2025 Earnings Season Preview

2025-07-11

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2025-07-11

Next week, the Q2-2025 earnings season will begin in earnest as a barrage of S&P 500 companies report, starting with the Wall Street money center banks on Tuesday and Wednesday. Since earnings drive the market by supporting investor expectations, what […] The post Q2-2025 Earnings Season Preview appeared first on RIA.

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Is Immigration Not Tariffs Becoming Powell’s New Excuse

2025-07-11

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2025-07-11

Jerome Powell has made it clear that tariffs could induce higher inflation. Accordingly, the Fed has resisted cutting interest rates. Despite his concerns, fears of tariff-based inflation, as judged by individual and business surveys, are fading. Moreover, even some Fed […] The post Is Immigration Not Tariffs Becoming Powell’s New Excuse appeared first on RIA.

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7-10-25 Nvidia is Dead? Not Hardly.

2025-07-10

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Nvidia has defied the nattering naybobs of negativity who foretold its demise with the rise of AI. To the contrary, Nvidia beat out Apple as the first $4-Trillion company. Beware the narratives! Hosted by RIS 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...

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7-10-25 Will Lower Rates Cure Higher Prices?

2025-07-10

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As inflation remains elevated and the Federal Reserve begins to shift its tone, markets are asking: Will lower interest rates actually bring prices down — or make them worse? Lance Roberts and Michael Lebowitz unpack the delicate balance between monetary policy, consumer behavior, and price pressures: * The historical relationship between rate cuts and inflation * Why inflation may be more “sticky” than expected * How consumer demand and debt loads...

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Treasury Auctions In Plain English

2025-07-10

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2025-07-10

With the amount of Treasury debt now in sharp focus, it's worth cutting through the technical jargon used by the media to quantify demand at Treasury auctions. This summary of key Treasury auction terms will help you judge the auctions for yourself and not rely on others.

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Capital Preservation Strategies for Retirees with Over $1 Million in Assets

2025-07-10

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2025-07-10

When you've accumulated more than $1 million for retirement, your financial priorities shift. It's no longer just about growth but about protecting what you’ve built and generating reliable income that will support your lifestyle for decades to come.

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Retirees with guaranteed income spend more.

2025-07-10

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2025-07-10

David Blanchett and Michael Finke penned a June 2024 research paper for the Retirement Income Institute that shared insight into why retirees with a guaranteed income spend more. They deem guaranteed retirement income a "license to spend."

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7-9-25 Make Sure You’re Not Too Conservative in Your Allocations

2025-07-09

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Yes, you can be too conservative in managing your retirement portfolio...just as you can be too risky. But don't be so conservative that you hamper your portfolio's ability to perform. And never wear a suit to a Radio show. Hosted by RIS Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Financial Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- ➢ Watch Live Mon-Fri, 6a-7a Central on our Youtube...

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7-9-25 How to Protect Your Multi-decade Retirement from Inflation

2025-07-09

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More Tariff trouble on the horizon, but markets have seen this movie before (The Stick & Carrot Show). Market risk remains, as markets are highly deviated. Sentiment remains positive; there's a large gap between market performance and economic data, however. Deviations tend to resolve themselves to the downside. Lance Roberts & Danny Ratliff reveal how to shield your retirement savings from decades of inflation: The necessity of Inflation...

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Crisis At Apple: Can They Catch Up In The AI Race?

2025-07-09

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2025-07-09

Apple (AAPL) shares are languishing this year. As we share below, the stock is down over 16% year-to-date and significantly lags all of the Magnificent Seven stocks except Tesla. While weak revenue growth and relatively few new products are culprits, it's also worth noting that Apple is considerably behind in AI development. Some Apple employees, …

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Might Lower Rates Be The Cure For Higher Prices?

2025-07-09

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2025-07-09

The Fed is resisting interest rate cuts to help soften inflation to its 2% target. Supporting their policy is the belief that high interest rates lead to lower inflation. Most investors assume that the Fed is all-knowing and that its theories are logical. Are they? Might they be wrong, and lower interest rates are what … Continue...

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