by Lance Roberts
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| Markets may still enjoy short-term momentum, but long-term retirement planning must confront a different reality: elevated valuations, lower forward returns, and rising sequence-of-returns risk. Richard Rosso explains why retirees face a near-term tailwind in market returns—but potentially long-term secular stagnation that demands tighter portfolio guardrails. Rich will discuss why historically tested retirement income strategies matter more today than at any point in the last two decades. #RetirementIncome #MarketValuations #SequenceOfReturns #FinancialPlanning #RIAAdvisors |
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Do Sentiment Trends Boost Reflation Odds
2026-01-27
On Monday, we discussed how the Truflation inflation gauge points to a sudden price decline, which clouds the reflation outlook. Today, we share recent consumer sentiment readings that counter the disinflation story and support the reflation narrative. On Friday, the University of Michigan reported that its consumer sentiment index improved in January to a five-month …
1-26-26 Is Bitcoin Entering a New Regime or Just Another Cycle?$IBIT $BTCUSD
2026-01-26
Bitcoin’s usual links to $QQQ, Fed policy, and the four-year cycle have broken down.
In this short video, Parker White and I discuss why key correlations have broken down and whether institutional buyers are changing the depth and shape of the next #Bitcoin bear market.
📺Full interview: https://www.youtube.com/watch?v=_6F1ITCnF0A
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
1-26-26 Bitcoin: Diversifier or Distraction – The Parker White Interview
2026-01-23
Bitcoin and cryptocurrencies are once again at the center of investor debate—but for very different reasons than past cycles. Lance Roberts and special guest, DeFi Development Corp’s COO, Parker White, examine what’s been happening beneath the surface of the crypto market, including the growing divide between older and younger Bitcoin cohorts and the increasing fractionalization of crypto ownership.
Is Bitcoin’s volatility evolving in a way that allows it to function as a portfolio diversifier, especially when compared to traditional hedges, like gold? What is its potential role in an all-weather portfolio? With 2026 shaping up as a potential “catch-up trade” year, we also address why altcoins continue to lag—and whether they still have a place in diversified portfolios.
The discussion
Bullish Case Or Bearish Backdrop
2025-12-06
🔎 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! 🏛️ …
12-5-25 Roth Conversions, Money Rules & Financial Wellness: What Actually Works?
2025-12-04
Richard Rosso breaks down a study that modeled hundreds of thousands of retirement scenarios to determine which Roth conversion strategy performs best over a 10-year period:
• Staying in a traditional IRA/401(k) and taking RMDs
• A one-time Roth conversion
• A gradual, multi-year conversion strategy
RIA Advisors’ Financial Guardrails are timeless principles for building lasting wealth and protecting your financial future. Rich also shares insights from decades of experience helping investors avoid common pitfalls and build financial wellness that lasts generations.
0:00 – INTRO
0:19 – The Roth Account Smile
4:40 – Roth Applications for Different Stages of Life
12:41 – Rules Can Save You in a Turbulent World
14:55 – Annuities Should Be Planned, not Sold
15:52 – A Home is a Liability,
Excess Liquidity: Where Art Thou?
2025-10-09
The graph below, courtesy of the St. Louis Fed, charts the amount of money in the Fed’s overnight reverse repurchase agreement (ON RRP) facility. To understand why the current lack of a meaningful balance in the program could become concerning, let’s revisit the Fed’s response to the Pandemic. During the pandemic and global economic shutdown, …
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