Category Archive: 9a.) Real Investment Advice

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3-31-26 Are Markets Becoming Gambling?

2026-03-31

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A major shift is happening in how younger investors approach the markets—and it may be the most important risk investors are ignoring. From AI-driven investing decisions to social media influencers shaping financial behavior, markets are increasingly influenced by speculation, speed, and hype. At the same time, the rise of options trading, crypto, and leveraged products is blurring the line between investing and gambling. Lance Roberts & Jon...

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3-30-26 Why This Private Credit “Crisis” Won’t Crash The Market

2026-03-30

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Private credit fears are being misread as systemic risk, but the reality is far more contained. Gating investors simply reflects a liquidity mismatch between long-term loans and short-term redemption requests, not widespread defaults or fund failures, as most tend to think. Unlike the 2008 subprime crisis, exposure is concentrated among institutions and high-net-worth investors, limiting any direct hit to regular consumer spending. While...

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3-30-26 Subprime Crisis 2.0? Private Credit Risks Explained

2026-03-30

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Lance Roberts breaks down the growing stress in private credit markets, rising default risks, and the recent wave of gated withdrawals across major funds. With comparisons to the 2008 financial crisis gaining traction, investors are asking a critical question: are we facing Subprime Crisis 2.0? We examine what made the 2008 collapse so catastrophic—leverage, derivatives, and systemic contagion—and compare it to today’s private credit landscape....

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Stock Market Breadth: Warning Or Opportunity?

2026-03-30

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2026-03-30

The S&P 500 is down roughly 7% from its January 27 all-time high. Unsurprisingly, the media is full of "red" headlines discussing the seemingly "endless" correction we are in. Unsurprisingly, previously complacent investors are now anxious, as nothing seems to be working. But that index-level headline conceals something far more alarming: stock market breadth has …

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The VIX Is Lying: Or Is It?

2026-03-30

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2026-03-30

Expected and historical (realized) volatility are sending investors a puzzling signal. Because of the Iran conflict, intense oil price swings, and rising interest rates, the VIX, or implied volatility (what options markets are pricing in as future fear), is elevated. However, actual realized volatility has been much more subdued. That gap between the VIX and …

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3-28-26 AI Won’t Crash The Economy — This Will

2026-03-28

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AI itself isn’t the real threat to the economy. The real risk is how quickly it replaces jobs before workers and industries can adapt. Data already shows that higher AI adoption is driving productivity up while putting pressure on wages and reducing the need for labor. That trade-off becomes dangerous if income falls faster than new opportunities are created, weakening consumer spending that drives growth. The outcome depends on speed: a...

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Subprime Crisis 2.0: Will Private Credit Be The Trigger?

2026-03-28

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2026-03-28

🔎 At a Glance 🏛️ Market Brief - A Tough Market Week This past week was another disappointing one. Markets opened the week surging after President Trump posted on Truth Social that U.S.-Iran talks had been "very good and productive" and that he was halting strikes on Iranian power plants. Brent crude fell more than … Continue...

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4-3-26 Taxes Never Go Away

2026-03-27

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Most retirement plans focus on savings and returns—but that’s not what truly puts retirement at risk. Richard Rosso, Sarah Buenger, & Jonathan McCarty commiserate on the annual chore of paying taxes...but, provide helpful guidance in planning so that your tax bite might be lessened. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Sarah Buenger, CFP, and Senior Investment Advisor,...

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3-27-26 Why Safe Havens Fail In An Oil-Driven Market

2026-03-27

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Safe havens like $GLD aren’t working because this market isn’t driven by traditional risk-off behavior. It’s driven by #crudeoil and liquidity. Energy $XLE, #gold, and defensive stocks already ran and are now being sold to fund broader de-risking. When correlations rise, everything becomes a source of liquidity. The key variable isn’t whether the war ends, but where oil prices go next. If oil normalizes, many of today’s “defensive” trades...

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3-27-26 How to Beat the 4 Biggest Retirement Risks

2026-03-27

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Most retirement plans focus on savings and returns—but that’s not what truly puts retirement at risk. Richard Rosso & Jonathan McCarty break down the four biggest threats retirees face: longevity, inflation, market volatility, and emotional decision-making, and more importantly, how to navigate them. Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:18 -...

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Geopolitical Headlines Can Be Hazardous To Your Wealth

2026-03-27

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2026-03-27

Geopolitical events are among the most reliable drivers of bad investment decisions. When headlines are alarming, and markets are volatile, as they are today, investors instinctively overweight worst-case scenarios and underweight the likelihood that the situation resolves more quietly than feared. Behavioral finance calls this availability bias: the tendency to judge the likelihood of an …

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Rubino: Fiat Currencies Are In A Death Spiral

2026-03-27

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2026-03-27

The fiat currency collapse narrative is one of the most emotionally satisfying arguments in all of financial punditry. It feels intellectually rigorous, draws on genuine history, and speaks to deep and legitimate anxieties about government overreach, monetary recklessness, and the long-term consequences of unlimited debt creation. Monetary analyst John Rubino makes the case as well …

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4-6-26 AI: How To Invest in the Next Industrial Revolution – Brian Dunlap Interview

2026-03-26

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AI is not hype — it is the most consequential economic shift since the Industrial Revolution, and it is rewriting the investment playbook. Lance Roberts and special guest, Blackrock's Brian Dunlap, break down the full AI and tech stock story: how we got here, where the money is flowing, and what investors need to know right now. From the infrastructure build-out and enterprise adoption to physical AI, robotics, and autonomous vehicles, we walk...

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3-26-26 Why Every Investor Is Obsessed With Beta — But Misses This

2026-03-26

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Beta measures how a stock tends to move relative to the market, but it’s only a long-term statistical average, not a rule. In real time, stocks often deviate from that relationship, especially during periods of sector rotation. Low beta doesn’t automatically mean safety, and high beta doesn’t always mean higher risk. When leadership shifts, historical patterns break and positioning matters more than labels. Beta is useful for context, but...

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3-26-26 Will AI Trigger the Next Great Depression?

2026-03-26

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Will artificial intelligence spark the next economic boom—or trigger a crisis rivaling the Great Depression? A growing debate on Wall Street is emerging after research scenarios like the “Global Intelligence Crisis” raised concerns about a potential AI-driven economic shock. The core question is simple but critical: Will AI create unprecedented productivity and prosperity, or will it displace jobs faster than the economy can adapt? Lance Roberts...

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Unemployment Flashes A 100% Recession Warning

2026-03-26

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2026-03-26

Albert Edwards from Societe Generale posted a graph similar to the one on the left below. It tracks the unemployment rate and its 3-year moving average. The red arrows signify every time the unemployment rate rose above the moving average. As we circle, the unemployment rate is now above the moving average. Albert's comment alongside …

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3-25-25 Be Careful With Headline Rallies — When Should You Actually Buy?

2026-03-25

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Headline-driven rallies can be misleading, especially when the underlying news isn’t confirmed. This ceasefire narrative lacks full agreement, so chasing the bounce carries risk. $SPY $QQQ Instead of trying to catch the exact bottom, wait for clear confirmation that the market has stabilized and turned higher. For long-term investors, gradual positioning through dollar-cost averaging is more effective than all-in timing. There’s never a...

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3-25-26 Q&A Wednesday: Markets, Money & Your Questions Answered

2026-03-25

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It’s Q&A Wednesday. Lance Roberts & Danny Ratliff answer your biggest questions about the markets, investing, and personal finance in today’s rapidly changing economic environment. From stock market volatility and interest rates to long-term investing strategies and risk management, nothing is off limits. Whether you’re a beginner or an experienced investor, this session is built around what you want to know right now. #Investing...

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High Oil Prices Won’t Spark A 1970s Inflation Repeat

2026-03-25

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2026-03-25

Some media pundits are warning the public that high oil prices will spark a repeat of the high-inflation era of the 1970s. High oil prices will feed through to inflation; however, the economic, monetary policy, and geopolitical environments of the 1970s are quite different from today's. To wit, consider the following reasons for inflation in …

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Will AI Trigger The Next Great Depression?

2026-03-25

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2026-03-25

Our article title is certainly scary. The question we pose has become a hot topic following the release of “The 2028 Global Intelligence Crisis,” by Citrini Research. While evaluating the impact of AI on the labor market is complex, we can distill both optimistic and pessimistic views into two straightforward questions. To better understand how …

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