Category Archive: 9a.) Real Investment Advice

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3-3-26 Ten Immutable Laws of Money

2026-03-03

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Most people will never build wealth — not because of the economy, but because no one taught them the rules. Lance Roberts & Jonathan Penn break down the 10 Immutable Laws of Money — time-tested principles that have worked for generations, regardless of your income, age, or background. From budgeting basics and crushing debt to understanding why millionaires live more modestly than you think, these laws are the foundation of lasting financial...

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The Financial Sector Is Under Pressure

2026-03-03

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2026-03-03

The heatmap below, courtesy of FinViz, shows the one-month performance of the S&P 500 financial sector stocks. As shown, Berkshire Hathaway and the insurance companies are higher over the period, while the large majority of the remaining financial sector stocks struggle. For context, the S&P 500 was down 2.80% over the same period. There appear …

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3-2-26 War Headlines Don’t Move Markets – Long-Term Earnings Do

2026-03-02

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War headlines spark sharp reactions—oil jumps, stocks dip, the dollar firms—but history shows these moves are usually temporary. Markets price uncertainty fast, then refocus on what truly drives long-term returns: earnings, cash flow, and forward guidance. The key question isn’t how dramatic the news sounds. It’s whether it permanently changes corporate profitability. Some sectors may benefit short term, others may sell off, but once fear fades,...

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3-2-26 Is the Market Topping? Iran, AI Chaos & the Signals You Can’t Ignore

2026-03-02

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Is the stock market topping — or just catching its breath? This week, equity markets face a triple threat: an Iranian strike rattling geopolitical risk assets, an Anthropic AI capability announcement that hammered IBM, CrowdStrike, financials, and SaaS stocks, and a technical picture showing the S&P 500 slipping below both its 20- and 50-day moving averages. Lance Roberts breaks down the bull and bear cases in full. Hosted by RIA Advisors...

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SaaS: Is There Opportunity In The Destruction?

2026-03-02

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2026-03-02

A specter is haunting Wall Street—the specter of the “SaaSpocalypse.” Since the iShares Expanded Tech-Software Sector ETF (IGV) peaked on September 19, 2025, it has fallen roughly 30%. For context, the broad technology indexes like XLK and QQQ are essentially flat over the same period, and the semiconductor ETF (SMH) is up 30%. Between mid-January …

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MFS Collapses Adding To Private Credit Woes

2026-03-02

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2026-03-02

In our February 3rd Commentary, we discussed the recent woes negatively impacting private credit funds. The concerns began last year with the bankruptcies of Tricolor and First Brands and continue to mount, as evidenced by the share prices of some private credit managers shown below. Adding to market worries is fresh news of a $1.3 …

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Market Topping Process?

2026-02-28

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2026-02-28

🔎 At a Glance Give Us A Review ***** If you enjoy our work each week, could you be so kind as to leave us a review? It would be most appreciated. 🏛️ Market Brief - Turmoil In AI Stocks As we will discuss further in today's commentary, the market remains stuck in a fairly narrow … Continue reading »

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2-27-26 When AI CapEx Growth Will Slow, Leadership Will Change

2026-02-27

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Money is pouring into the AI infrastructure boom, driving energy $XLE, materials $XLB, and industrials $XLI to stretched valuations as investors chase the CapEx buildout story. Yet at the same time, the market has been selling $NVDA even after a blowout quarter. Capital is crowding into sectors trading at record relative premiums, while one of the core AI beneficiaries and enablers now looks significantly cheaper on a growth-adjusted basis....

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2-27-26 Cut Your Medicare Bill in 2026 | IRMAA Appeal Secrets

2026-02-27

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Are you paying MORE than necessary for Medicare in 2026? The IRMAA (Income-Related Monthly Adjustment Amount) could be adding hundreds of dollars a year to your Medicare premiums — but there's a legal way to fight back. Richard Rosso breaks down everything you need to know about the 2026 IRMAA thresholds, how to appeal, and the income strategies that could save you thousands in retirement. Hosted by RIA Advisors Director of Financial Planning,...

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Economic Sentiment Belies Strong Economic Estimates

2026-02-27

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2026-02-27

Economic growth metrics for the United States have recently shown surprising resilience; however, consumers' economic sentiment has not. According to the Bureau of Economic Analysis's advance estimate, real Gross Domestic Product expanded at an annualized rate of just 1.4%, well below expectations and a steep drop from the 4.4% pace in the third quarter. However, …

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Nvidia Delivers Perfection But Market Has Concerns

2026-02-27

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2026-02-27

Yet again, Nvidia delivers another incredible earnings report, reinforcing that the AI investment boom continues. As we show below, they posted annual revenue growth of of 73%, handily beating Wall Street forecasts. Most importantly, strong earnings and robust forward guidance confirm that their customers continue to aggressively expand AI infrastructure. Nvidia delivers the critical computing …

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$NVDA Just Posted Historic Numbers… So Why Isn’t It Soaring?

2026-02-26

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#Nvidia delivered one of the most impressive quarters in market history: $1.62 EPS vs $1.53 expected, $68.1B in revenue up 73% year over year, and data center revenue up 75%. Free cash flow is running at roughly $30–35B per quarter. By any fundamental measure, this was a blowout. Yet the stock is down big today and has been stagnant for months. The real issue isn’t earnings strength — it’s capital. The market is questioning whether the AI boom...

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2-26-26 Software Stocks: Steal or Zero

2026-02-26

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Is AI killing software stocks — or creating the buying opportunity of the decade? Lance Roberts & Michael Lebowitz review: Since peaking in September 2025, the software ETF (IGV) has crashed 30% while semiconductors (SMH) surged 30% and broad tech stayed flat. The market is pricing in a "SaaSpocalypse" — the idea that generative AI will make traditional SaaS companies obsolete. But is that narrative right? Hosted by RIA Advisors...

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Hindenburg Alarm: Another Rotation Or Worse?

2026-02-26

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2026-02-26

In early November, we sounded the alarm about a recent Hindenburg Omen. Per the Commentary's summary: Bottom line: market breadth is horrendous and will likely lead to a rotation favoring out-of-favor sectors and stocks. Thus, it’s not surprising that the Hindenburg Omen was triggered. If we continue to see more of these Omens, the threat …

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2-25-26 The Truth Behind Brazil’s 12% Yield

2026-02-25

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A 12% yield is not a gift — it’s a warning sign. This is the classic mistake of chasing yield. If something pays dramatically more than the risk-free rate (the U.S. Treasury), it’s compensating you for meaningful uncertainty: credit risk, default risk, currency volatility, and geopolitical instability. In this short video, Lance Roberts & Danny Ratliff break down whether Brazilian treasuries yielding over 12% are actually worth buying, the...

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2-25-26 Q & A Wednesday: Straight Talk About Your Money

2026-02-25

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Welcome to Q & A Wednesday: Straight Talk on Your Money — a live, unscripted Q&A show pulled directly from our YouTube chatroom. No canned slides. No rehearsed talking points. Just practical, plain-English answers to real-world money questions with Lance Roberts and Danny Ratliff. Lance & Danny tackle topics like retirement planning, Roth vs. traditional decisions, tax-smart withdrawal strategies, Social Security timing, portfolio risk...

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Software Stocks: Navigating The SaaSpocalypse

2026-02-25

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2026-02-25

The recent rotation from growth to value is well documented. While the return divergences between, for instance, technology stocks and materials or industrials stocks are significant, they do not tell the whole story. There are also extreme return differentials between broad industries and their sub-industries. In this article, we address one such divergence between the …

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Homesellers Dwarf Homebuyers: Home Prices At Risk

2026-02-25

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2026-02-25

The housing market is experiencing a widening imbalance between homesellers and homebuyers, with listings rising faster than demand. This is contrary to the post-pandemic period of extremely tight inventory and strong demand. Homeowners with ultra-low mortgage rates who were initially hesitant to sell are now increasingly selling. As shown below, the housing market is shifting …

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2-24-26 Why You’ll Never Beat The Index (And That’s Okay)

2026-02-24

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Most investors chase returns and compare themselves to an index that isn’t a real portfolio. Indexes don’t pay taxes, trading costs, management fees, or deal with withdrawals. They also replace failed companies without absorbing permanent capital losses — something individual investors can’t do. That structural advantage makes consistent outperformance extremely difficult. Because of these differences, obsessing over beating or matching an...

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2-24-26 Stop Chasing 2026 Returns

2026-02-24

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Most investors don’t realize how quickly a good plan can get derailed by one bad question: “What will your investments return this year?” Lance Roberts and Jonathan Penn break down why asking an advisor for short-term performance predictions is usually the wrong framework—especially when comparisons start with “Can you beat Treasuries this year?” #FinancialPlanning #InvestingEducation #BehavioralFinance #RiskManagement #WealthProtection

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