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Category Archive: 9a.) Real Investment Advice

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The 4.0 percent Rule Is Dead. What Should Retirees Do Now?

2020-08-24

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2020-08-24

Interest Rates, 1998 - 2020
The 4% Rule Is Dead. A recent article by Shawn Langlois via MarketWatch pointed out this sobering fact but is one we have discussed previously. Retirees have long counted on being able to retire on their assets and take out 4% each year. However, a little more than 20-years later, the “death of the withdrawal rate” has arrived. What should retirees do now?

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(8/21/20) Financial Fitness Friday

2020-08-22

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Market Analysis & Commentary from RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Advisor, Danny Ratliff, CFP

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Technically Speaking: COT Positioning – Back To Extremes: Q2-2020

2020-08-05

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2020-08-05

QQQ - Invesco QQQ Trust
As discussed in Is It Insanely Stupid To Chase Stocks, the market has gotten quite ahead of the fundamentals as money continues to chase performance. In the Q2-2020 review of Commitment Of Traders report (COT,) we can see how positioning has moved back to extremes.

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Unprecedented Recession Synchronization

2020-07-26

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2020-07-26

Percent of Economies in Recession, 1871-2021
The global recession is an unprecedented recession synchronization. Deflationary Consequences: Lacy Hunt at Hoisington Management explains the deflationary consequences of the current global situation in its Second Quarter 2020 Review.

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Reading The Market’s Postmodern Mind

2020-07-24

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2020-07-24

Defining Pre-modernism, Modernism, and Postmodernism
No matter how you slice it, markets are human. This even applies to the “algos” as it’s we who write their mechanistic marching orders. Thus, understanding human behavior can be helpful in assessing and anticipating market moves. There’s no choice in the fact that we all need a philosophy to live.

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Shedlock: Millennial Renters Abandon Their Home Buying Plans

2020-07-17

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2020-07-17

Second Thoughts on Buying a Home
Millennial renters who were in the market pre-Covid just abandoned their home buying plans. A lifestyle survey shows millennials top the list of those canceling home-buying plans.

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Passive Fingerprints Are All Over This Crazy Market

2020-07-16

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2020-07-16

Apple Fundamental Analysis
Passive Fingerprints Are All Over This Crazy Market. Apple’s stock is up over 20% since the market peak in February. Without a doubt, Apple, the company, is worse off due to the crisis and global recession. Revenue and earnings will be inferior to what Wall Street had forecast at lower stock prices. Valuations, shown below, are now astronomical.

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The Fed Is Trapped In QE As Interest Rates Can’t Rise Ever Again.

2020-07-14

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2020-07-14

Total Debt vs. GDP, 1953-2021
Since the onset of the pandemic, the Fed has entered into the most aggressive monetary campaign. Its goal was to bolster asset markets to restore confidence in the financial system. However, the trap is the Fed is in a position where they can never stop QE as interest rates can’t rise ever again.

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The Theory Of MMT Falls Flat When Faced With Reality (Part II)

2020-07-07

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2020-07-07

Debts, Deficits & Economic Growth, 1901-2015
If you missed Part-1 of our series on the “Theory Of MMT Falls Flat When Faced With Reality,” start there. In Part-2, we complete our analysis of the theory and the potential ramifications. The premise of our discussion was this recent explanation of “Modern Monetary Theory” by Stephanie Kelton.

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(5/29/20) Financial Fitness Friday (Full Show)

2020-05-30

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Market Commentary; Economic effects of Pandemic; 42% of Layoffs will be permanent job losses; wages no longer “sticky;” CARES Act is here to stay; Math Can Save Your Household: Ratio’s & Radical Downsizing; resetting expenses; assume you’re not going to get a raise; What if Unemployment hits 6% w 4% inflation? Why not allow business …

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How Math Can Save You (5/29/20)

2020-05-29

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As we continue to assess the economic damage inflicted by the COVID-19 pandemic, adjusting household budgets to the reality of our situation will be key to financial survival. RIA Advisors Director of Financial Planning, Richard Rosso, CFP w Certified Financial Planner, Danny Ratliff, CFP, expound on household ratios, and what downsizing could look like for …

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The Real Investment Show Best Clips for Week of 5/25/20

2020-05-29

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Life in these United States these days consists of staying home and finding even more, creative ways to utilize what’s on hand: This week we covered the dilemma of working, or not; received a primer in 2008 GDP drops vs today’s 30% vaccum, how not to be stupid, and another learning experience, courtesy of the …

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(5/28/20) Why We’re Fed-up with The Fed (Full Show)

2020-05-29

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Power outages & Cherry Cobbler; Watching the economic numbers as the recovery begins; Michael Lebowitz on Baseball players’ salary cuts, shortened season, optics; What’s happening in America; NFL Status; Initial uptick in economic activity from pent-up demand: Is it repeatable? Amount of outstanding debt & size of Fed response; Pedro da Costa commentaries; the Fed’s …

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Life in America (5/28/20)

2020-05-28

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It’s just scandalous that professional athletes and team owners must accept 50% pay cuts, dropping their income from $300-million to only $150-million. That’s rough. RIA Advisors Chief Investment Strategist, Lance Roberts, w Portfolio Manager, Michael Lebowitz, discuss life in America in a post-COVID economy–which will make the 4% GDP drop in 2008 look like a …

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The Pedro da Costa Interview (5/26/20)

2020-05-28

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Consumer behavior will be key as America begins to re-open for business in a post-COVID world. RIA Advisors Chief Investment Strategist, Lance Roberts, w Economic Policy Institute Director, Pedro da Costa, discuss what’s next for the economy, the role of the Federal reserve, and what their advice to Jerome Powell would be going forward. Subscribe …

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(5/27/20) Financial Planning Corner (Full Show)

2020-05-28

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The Recessionary Outcomes of COVID-19; Consumer psychology & media narratives; Big deviation between markets & economy; Media Scares; listener e-mail: Dr. J.: Seasonal Flu vs COVID-19; take precautions, continue to live; Let’s not be stupid; Working–or not–during COVID-19; Whether to Tap Your 401k; Needs, Wants, Wishes; Fallacies of Borrowing from 401k’s; MLB Salary Squabble; Buying …

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Working–or Not–During COVID-19 (5/27/20)

2020-05-27

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Has the world gone mad, as we pay workers MORE to stay home than to go out and get a job? RIA Advisors Chief Investment Strategist, Lance Roberts, w Certified Financial Planner, Danny Ratliff, CFO, explore the ramifications of working during the coronavirus pandemic, and the implications for retirement planning. Subscribe to our Newsletter at …

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(5/26/20) Technically Speaking Tuesday (Full Show)

2020-05-27

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Social Distancing on Memorial Day; restarting the return to “normal;” why economy may not come back as before; Science Fiction portrayals of history, dystopian future; European Commission recommendation to eat insects (while the rich consume beef): globalist agenda, save the planet, widen the wealth gap; wealth transfers; Social Distancing, Media shaming, Save the Planet; Hopes …

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Getting Back to Normal (5/26/20)

2020-05-26

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Don’t know what “normal” is going to look like, but a post-Covid world is going to be different than before. RIA Advisors Chief Investment Strategist, Lance Roberts, compares society’s response to the Coronavirus vs influenza, and how we may have already begun to repeat the same policy mistakes that have created the current economic climate. …

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Technically Speaking: Defining the Market Using Long-Term Analysis (5/26/20)

2020-05-26

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Was March’s decline a bear market’s tracks, or just a correction? RIA Advisors Chief Investment Strategist, Lance Roberts, lays out the evidence…and the charts..in this mental exercise. Subscribe to our Newsletter at https://realinvestmentadvice.com

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