Category Archive: 9a.) Real Investment Advice

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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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7-8-25 Implications of Surge in ETF Investing

2025-07-08

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The level of investor greed is "off the chain," levels we haven't seen since the late '90's. It's not necessarily a bad thing--that's how markets work--but it's also a warning sign. 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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7-8-25 Are ETF’s Eating the World?

2025-07-08

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Earnings season is upon us; will volatility pick up? A bigger question will be how tariffs may affect corporate earnings. Employment numbers are dipping into contraction zone as the economy slows. Markets sell off on renewed tariff news. Crude oil prices are creeping back up. No one is expecting correction...which is when they usually appear. Exchange-Traded Funds (ETFs) have exploded in popularity—driving a massive shift from active to passive...

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Can Bessent Juggle The Treasury And The Fed?

2025-07-08

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2025-07-08

Hidden within a Bloomberg article published over the July 4th weekend was the following quote alluding to the possibility that Treasury Secretary Scott Bessent could simultaneously replace Jerome Powell as the Fed Chair, while continuing to serve as the Treasury Secretary. The president said Tuesday he has “two or three top choices” to potentially succeed …

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What High Net Worth Families Should Know About Generational Wealth Transfer

2025-07-08

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2025-07-08

For high-net-worth families, passing wealth to the next generation involves more than just distributing assets. It’s about preserving a legacy, protecting what you’ve built, and preparing heirs to become responsible stewards. Generational wealth transfer is both a technical process and an emotional journey, and getting it right requires clarity, preparation, and expert guidance. In this …

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7-7-25 Understanding Tariff Impact on Consumer Spending

2025-07-07

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Lance's recent visit to a U.K liquor store reinforced his thesis that tariffs are unlikely to trigger much inflation, if any, because merchants will eat the cost to remain competitive. 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 Podcasts:...

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7-7-25 The Bull Market Is Alive And Well

2025-07-07

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Lance is back from vacation, and the markets did not crash in his absence! On the contrary, they're doing very well. President Donald Trump's Big Beautiful Bill has been signed into law; still to be seen: its impact on earnings. We express our sentiments for the families and friends of loved ones lost in the Central Texas Flash Floods over the July 4th Weekend. Investor greed is a record levels, along with technical indicators, meaning markets are...

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Intel Pushes For Change: Will It Save Them?

2025-07-07

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2025-07-07

In no uncertain words, Intel's stock has been a dog. As we share below, Intel stock has increased by a mere 2% over the last 20 years, while the tech-heavy NASDAQ 100 (QQQ) has risen by over 1,200%. Over the previous 20+ years, Intel's management has made many missteps, including: With dirt-cheap valuations compared to … Continue reading...

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The Bull Market Is Alive And Well

2025-07-07

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2025-07-07

The bull market is alive and well, even amid widespread talk of the “death of U.S. exceptionalism.” Early 2025 saw a sharp shift in investor sentiment. Concerns over erratic trade policy, soaring debt, and weakening dollar pressure challenged America’s long-standing market dominance. Markets fell sharply in April and May, feeding a narrative of declining "US …

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Investor Greed Returns With A Vengeance

2025-07-04

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2025-07-04

🔎 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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Annuities Are Not Your Enemy.

2025-07-03

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2025-07-03

Utter the word ANNUITY and watch facial expressions. They range from fear to disgust to confusion. But hear me out: Annuities are not your enemy. Billionaire money manager and financial pitchman Ken Fisher appears as a haunting senior version of Eddie Munster in television ads. He stares with deep eyes ablaze with intensity. The tight camera …

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What Sets a Fiduciary Financial Advisor Apart for High Net Worth Clients

2025-07-03

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2025-07-03

When your wealth reaches seven figures or more, every financial decision carries greater weight and consequences. That’s why choosing the right financial advisor isn’t just a preference. It’s a necessity. High-net-worth individuals need more than cookie-cutter advice or product-driven sales pitches. They need strategic, objective, and comprehensive guidance. That’s where a fiduciary financial advisor stands …

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ADP Signals Labor Market Weakness

2025-07-03

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2025-07-03

The Fed and most investors primarily assess the labor market based on the monthly BLS employment report. To better guide those estimates, various reports, such as the monthly ADP report, can be helpful. We say "can be" because, since the pandemic, ADP has been less correlated with the BLS than it was before the pandemic. … Continue...

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Behind The Meter Solutions Investment Guide- Part 2

2025-07-02

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2025-07-02

Part 1 of this article (Fueling AI Data Centers: Behind The Meter Solutions) explained how data centers are leveraging the abundance and relative affordability of natural gas to fuel Behind the Meter (BTM) power generators. Part Two advances the discussion to investing in this promising innovation. This article looks past the data center operators and …

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Amazon Has Over One Million Robots!

2025-07-02

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2025-07-02

The age of robotics is no longer a futuristic concept. Per a Wall Street Journal article entitled, Amazon Is On The Cusp Of Using More Robots Than Humans In Its Warehouses, Amazon now has over one million robots in its warehouses doing the work that humans once handled. More impressively, the million robots are nearing … Continue...

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How Executive Compensation Planning Can Boost Long-Term Wealth

2025-07-01

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2025-07-01

For many executives, compensation isn’t just a paycheck—it’s a portfolio. Stock options, restricted stock units (RSUs), deferred compensation plans, and bonuses can significantly impact long-term financial security. Yet too often, these benefits are left underutilized or poorly timed. That’s where executive compensation planning plays a pivotal role. With the right strategies in place, you can …

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The UM Survey: It Ain’t What It Used To Be

2025-07-01

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2025-07-01

Recently, the media have highlighted anomalies in the University of Michigan (UM) consumer sentiment survey compared to other financial/economic sentiment surveys. It turns out UM changed their data gathering methods between April and July 2024. While it's challenging to determine the impact of these changes and whether they are responsible for the recent divergences from …

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6-28-25 Candid Coffee – Financial Independence

2025-06-30

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Lance Roberts & Danny Ratliff host our mid-year review of markets, money, and financial mayhem: How to be a better investor without the tedium of the mainstream media noise. INTRO/Origins 01:56 - Market Commentary - Markets at All-time Highs. Again. (Jan 7 "Curb Your Enthusiasm") Looking for another draw down this Fall - normal End of Year Preview, Newsletter: What Do I Do If I Missed the Rally? (Hope & Fear article) 06:00 -...

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