Category Archive: 9a.) Real Investment Advice

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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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Our Take On Tariffs

2026-02-24

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2026-02-24

To address the many emails we received, we present our take on the Supreme Court's tariff ruling. First, President Trump has multiple ways he can implement trade restrictions beyond what the Supreme Court ruled against. In fact, he implemented a 150-day 15% global tariff after the court's ruling. As we share below, the effective tariff … Continue reading...

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2-21-26 What You’re Being Told About Annuities is Wrong

2026-02-23

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Richard Rosso & Danny Ratliff tackle one of the most misunderstood retirement tools: annuities—what they are, who they’re actually for, and where investors frequently get trapped by slick marketing and incomplete comparisons. We start with why annuities aren’t for everyone, then walk through three clear use-cases where an annuity can make sense—especially for households prioritizing guaranteed lifetime income and a more stable retirement...

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2-23-26 The Tariff Saga Continues — What It Means for Markets

2026-02-23

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The Supreme Court struck down the structure used to impose prior tariffs, ruling they must go through Congress. The administration quickly shifted strategy: Trump imposed a temporary blanket tariff — initially 10%, later raised to 15% — set to last 150 days. This effectively resets the framework while keeping tariffs in place, just under a different legal justification. Even with Monday’s sharp selloff, from a market perspective, this changes...

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2-23-26 Is China Really Dumping U.S. Treasuries?

2026-02-23

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Is China really “dumping” U.S. Treasury bonds—or is that headline missing key context? Lance Roberts examines what Treasury International Capital (TIC) data does (and doesn’t) show, why China’s reported holdings can shift for reasons that have nothing to do with panic selling, and how custody chains and financial centers can complicate the narrative. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton,...

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Mag 7 Debt & Declining Free Cash Flow: Worrisome Or Not?

2026-02-23

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2026-02-23

We have read a few articles expressing concern that the free cash flow for many of the Magnificent (Mag) 7 companies that are heavily involved in AI development and/or data center construction has leveled off. Furthermore, the hyperscalers, including Amazon, Microsoft, Google, and Oracle, issued over $120 billion in debt last year. Additionally, Google just …

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Is China Really Dumping US Treasuries?

2026-02-23

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2026-02-23

"China is dumping US Treasuries to get out of the dollar." This claim has been circulating the mainstream feeds lately, with the narrative that the "end of the dollar is near," or "the US will lose its funding base" and the "bond yields will surge." But are those claims valid? Such is what we will … Continue reading »

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2-21-26 Ray Dalio Isn’t Predicting a Collapse — Social Media Is

2026-02-21

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Social media reactions to recent comments made by Ray Dalio at the World Economic Forum in Davos are exaggerated and misrepresented. He is not predicting imminent hyperinflation or a dollar collapse. He is reiterating a long-term structural warning about unsustainable debt growth relative to economic growth. In this Short video, Lance Roberts & Michael Lebowitz discuss that history shows that high debt levels do not automatically lead to...

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The Business Cycle Narrative & War With Iran

2026-02-21

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2026-02-21

🔎 At a Glance 🏛️ Market Brief - War With Iran On Friday, the Supreme Court struck down Trump’s signature tariffs. The ruling affects tariffs levied under the International Emergency Economic Powers Act (IEEPA) which includes the so-called reciprocal tariffs at various levels against nations all around the world to address trade imbalances, as well …

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2-20-26 This Market Is Chasing Themes, Not Valuations

2026-02-20

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In this short video, Lance Roberts & Michael Lebowitz discuss how investors are piling into anything labeled “value,” “staples,” “industrials,” or “energy” without asking whether the stocks themselves are actually cheap. Many of these names have gone parabolic — trading far above their historical norms — even though revenue growth is flat and earnings aren’t accelerating. At the same time, some large-cap “growth” stocks like $NVDA $GOOGL may...

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2-20-26 Mega Roth Questions & Senior Deductions

2026-02-20

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Some 401(k) plans let you put in extra after-tax money and move it into a Roth so it can grow tax-free—but you have to know what your plan allows. Richard Rosso & Jonathan McCarty share 10 questions to ask your 401(k) provider so you don’t miss it. Rich & Jonathan also explain a new bill that would make the $6,000 senior deduction permanent. It’s not the same as “no tax on Social Security” for everyone—and the Social Security tax rules...

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