by Lance Roberts
My articles My offerMy siteAbout meMy videosMy books
Follow on:TwitterSeeking AlphaFacebookAmazon
| In this episode, we explore how today’s investors are adapting to volatility, inflation, and complexity across markets. Lance Roberts & Jon Penn explore Structured Notes: These complex instruments promise tailored returns, but they come with tax pitfalls and credit risks investors must understand before buying. We’ll break down how structured notes work—and why they may belong inside an IRA rather than a taxable account. The Return of Adjustable-Rate Mortgages (ARMs): Homebuyers are betting that interest rates have peaked—opting for lower initial payments despite future risks. Are ARMs smart financial strategy or a sign of desperation in a high-cost housing market? 0:19 - Palantir : No Rewards for "Good" Results 5:19 - Does the Next Correction Start Today? 10:46 - Christmas Tree Forest & The Hobby Lobby Date 12:31 - Structured Notes Explained 15:39 - Why Am I So Lucky? 16:58 - Debt Obligation & Phantom Taxes 20:09 - What is the Risk - What Can Go Wrong? 23:54 - The Problem with Chasing Returns 27:05 - Know What You Own 29:12 - A word About Options & Puts 31:41 - Adjustable Rate Mortgages - The Worst Thing Ever Invented 36:36 - Don't Become Imprisoned by Your Home Mortgage 38:41 - What a "Starter Home" Should Cost 40:49 - Always Plan for What Could Go Wrong Whether you’re a Gen Z investor, a first-time homebuyer, or a seasoned investor exploring structured products, this discussion will help you understand how financial behavior evolves when markets, rates, and risk collide. 📈 Subscribe for more data-driven insights on investing, risk management, and personal finance from Real Investment Advice. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Articles Mentioned in Today's Show: "Gold Myths Luring Investors Into Risk" https://realinvestmentadvice.com/resources/blog/gold-myths-luring-investors-into-risk/ "Investor Dilemma: Pavlov Rings The Bell" https://realinvestmentadvice.com/resources/blog/investor-dilemma-pavlov-rings-the-bell/ -------- The latest installment of our new feature, Before the Bell, "Futures Flash Warning Signs" is here: _Lo&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1#MarketUpdate ------- Our Previous Show, "Investor Dilemma: Pavlov Rings the Bell," is here: &list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketPullback #FuturesWarning #StockMarketUpdate #VolatilityAhead #InvestorInsights #GenZInvesting #FinancialMarkets #AdjustableRateMortgage #StructuredNotes #InvestorEducation |
You Might Also Like
Investor Dilemma: Pavlov Rings The Bell – Draft
2025-11-03
Classical conditioning teaches us a valuable lesson regarding the current investor dilemma. Pavlov’s research discovered a basic psychological rule: when a neutral stimulus is repeatedly paired with a reward‑stimulus, eventually it will trigger the same response even when the reward is absent. The famed experiment by Ivan Pavlov illustrated that dogs would salivate at the …
Dow Theory: A Concerning Divergence Or Artifact?
2025-10-31
Dow Theory is a market tool developed by Charles Dow in the very early 1900s. Dow also created the Dow Jones Industrial Average. The basic gist of Dow theory is that market trends are confirmed when gains or record highs are established in the broader market indexes, and then confirmed by similar trends and/or record …
10-30-25 Microstrategy & Leverage ETFs Trap Explained
2025-10-30
$MSTR turned debt into a massive #Bitcoin bet, becoming a leveraged proxy for $BTC. But leverage cuts both ways—especially for 2x ETFs like $MSTU or $MSTX that suffer from volatility decay, turning sharp drawdowns into long-term underperformance.
In this short video, Vinay Gupta and I discuss how MicroStrategy’s debt-fueled Bitcoin strategy works, why leveraged ETFs on $MSTR are so dangerous, and what investors often miss about volatility decay and compounding losses.
📺Full interview:
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
Tariffs Cause The First June Surplus In Nine Years
2025-07-15
For the first time since 2016, the Federal government ran a budget surplus in June. Before the Financial Crisis, a surplus was the norm. However, since then, deficits have been the rule, not the exception. The cause of the $27 billion surplus was $27 billion in tariffs taken in. For reference, the government took in …
Tags: Featured,newsletter
9 pings
Skip to comment form ↓