5-8-26 Annuities: Smart Move or Costly Mistake?
The Real Investment Show Podcast
Release Date: 05/08/2026
5-8-26 Annuities: Smart Move or Costly Mistake?
The Real Investment Show Podcast
Are annuities only for retirees, or can they play a role in building long-term financial security at any age? Richard Rosso & Jonathan "Smarty" McCarty break down the myths, costs, benefits, and risks of annuities, and how guaranteed income fits into a retirement strategy. We discuss how annuities can serve as bond substitutes, why fees vary so widely, how sales structures impact costs, and how to determine whether an annuity fits your personal retirement goals. Most importantly, we explore how to create a rules-based approach to guaranteed income that matches your lifestyle, risk...
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5-7-26 Semiconductors: Bubble or Bust?
The Real Investment Show Podcast
Semiconductor stocks continue to lead the market higher as the AI boom drives massive capital spending, soaring valuations, and relentless momentum in names like Nvidia, AMD, Broadcom, and TSMC. But are investors witnessing the next great technology revolution, or the early stages of another market bubble? Lance Roberts & Michael Lebowitz examine the semiconductor trade from both sides: Explosive AI demand, data center growth, and earnings momentum versus stretched valuations, narrowing market breadth, and growing concentration risk inside the S&P 500 and NASDAQ. Key topics include:...
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5-7-26 How Markets Ignore the Fear | Before the Bell
The Real Investment Show Podcast
For four years, investors have been told the next crash was right around the corner. Russia-Ukraine, inflation at 9%, Fed rate hikes, Silicon Valley Bank, tariffs, AI fears, Iran tensions, and endless recession warnings all fueled bearish headlines. Yet despite every crisis narrative, the market has doubled from the October 2022 lows. This morning, we break down why markets continue to climb in the face of nonstop fear narratives, and what actually matters for long-term market direction: earnings growth and forward expectations. We also review the technical backdrop, including the MACD...
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5-6-26 Q&A Wednesday - What's Your Biggest Concern?
The Real Investment Show Podcast
It’s Q&A Wednesday, and Lance Roberts & Danny Ratliff are taking your questions live from the YouTube chatroom. From markets at all-time highs and rising pullback risk, to Fed policy, rates, and portfolio positioning, we’re breaking down what matters most right now. With stocks extended, volume thinning out, and momentum showing signs of fatigue, is this a healthy pause or the start of a correction? What should investors and traders be doing right here? Key topics include: 0:00 - INTRO 0:57 - Markets Rally, Oil Plunges 4:05 - AI Trade is Back - but watch for reversal 7:52 -...
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5-6-26 AI Rally Nears Exhaustion | Before the Bell
The Real Investment Show Podcast
Markets continue pushing to new all-time highs as AI stocks lead the rally higher, but momentum and money flow signals are beginning to weaken beneath the surface. While the bullish trend remains intact, overbought conditions are building and a near-term pullback or consolidation would not be surprising. Lance Roberts reviews why slowing money flows matter, what history says about momentum-driven rallies, and why patience, profit-taking, and risk management still matter even in strong markets. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive...
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5-5-26 Investing vs Trading - Finding the Balance
The Real Investment Show Podcast
Investing and trading are often treated as opposing strategies, but the real advantage comes from knowing how to use both effectively. Long-term investing builds wealth through discipline and compounding, while trading can create short-term opportunities to enhance returns or manage risk. Lance Roberts & Jon Penn break down the key differences between investing and trading, when each approach makes sense, and how to structure a portfolio that incorporates both without letting emotion or overactivity take control. We discuss time horizons, risk management, position sizing, and how to avoid...
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5-5-26 Cooling-Off Correction Ahead? | Before the Bell
The Real Investment Show Podcast
Markets remain extended, and while a major decline is unlikely, a short-term correction would be normal. With volume thinning at current levels and momentum nearing a sell signal, the risk is for a pullback into the 6,800–6,900 range, where stronger support and prior trading activity exist. We are using this environment to take profits, rebalance portfolios, and add some defensive exposure. The objective is to manage risk now and maintain flexibility, so we have capital ready to deploy when a better opportunity presents itself. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO...
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5-4-26 Summer Sell-Off Risk Rising
The Real Investment Show Podcast
Markets have pushed higher, but underlying risks are beginning to build as we head into the summer months. From stretched valuations and overbought technical conditions to seasonal weakness and shifting liquidity, investors may be facing a more challenging environment than recent gains suggest. Lance Roberts breaks down the key signals pointing to a potential summer sell-off, including market breadth, momentum, and the impact of earnings season winding down. We also discuss how buybacks, economic data, and Federal Reserve policy could influence the next move in stocks, and whether any pullback...
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5-4-26 Markets Near Peak - Pullback Risk Rising | Before the Bell
The Real Investment Show Podcast
Markets closed at new all-time highs, but conditions are increasingly stretched. Momentum is extended, and a short-term sell signal is approaching. That does not signal a crash, but it does suggest the rally is due for a pause or pullback. Support levels sit near 6,980 at the 20-day moving average, with a stronger cluster closer to 6,880. A move back toward those levels would be a healthy reset and create better buying opportunities. Now is the time to manage risk—trim positions, rebalance, and raise some cash rather than chasing the rally. Investors often stay fully invested too long, then...
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5-1-26 Gray Divorce: Social Security Secrets
The Real Investment Show Podcast
Gray divorce is on the rise, and many investors are missing a key opportunity: Social Security benefits tied to an ex-spouse. Richard rosso & Jonathan McCarty explain how divorced spousal benefits work, including eligibility rules, timing decisions, and how much you may be able to claim. If you were married at least 10 years, you could receive up to 50 percent of your ex-spouse’s benefit, or even more through survivor benefits, without impacting their payout. Key topics include: 0:00 - INTRO 0:19 - Financial Repercussions of Gray Divorce 1:47 - Economic Numbers Review 2:16 - Data Center...
info_outlineAre annuities only for retirees, or can they play a role in building long-term financial security at any age? Richard Rosso & Jonathan "Smarty" McCarty break down the myths, costs, benefits, and risks of annuities, and how guaranteed income fits into a retirement strategy.
We discuss how annuities can serve as bond substitutes, why fees vary so widely, how sales structures impact costs, and how to determine whether an annuity fits your personal retirement goals. Most importantly, we explore how to create a rules-based approach to guaranteed income that matches your lifestyle, risk tolerance, and future needs.
Key topics include:
0:00 - INTRO
0:19 - Living Vicariously thru Clients' Experiences
4:05 - Why Annuities Get a Bad Rap - Liquidity & Life
7:09 - Insuring Late-life Consumption
9:30 - Behavioral Mechanisms - Mental Accounting & Loss Aversion
11:48 - The Cap'n Crunch Diversion
12:58 - Benefits of Delaying Social Security
14:26 - Everybody "knows" when they're going to die
16:42 - Framing Delay as a Longevity Bet
17:23 - Women are Better Investors
19:43 - Spousal Protection Consideration
20:18 - Annuities Get Sold, Not Planned
23:17 - Secrets of Return Risk
25:51 - Study: Fixed Income Annuities vs Bonds
29:42 - Annuities We Don't Like
30:18 - Annuities Riders You May Not Need
33:34 - RIA Snuggies, Immediate Annuities,, and Early Retirement
36:22 - Getting a Second Opinion -What Problem is Annuity Solving?
42:50 - Immediate vs Variable Annuities
45:30 - How Much of an Annuity Do You Need?
47:36 - Passing Along Assets & Annuities
50:59 - Candid Coffee Tease
Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP
Produced by Brent Clanton, Executive Producer
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Watch today's "Before the Bell" feature, "How Markets Ignore the Fear" here:
https://youtu.be/1BrnxwNgzeY
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Watch our previous show, "Semiconductors: Bubble or Bust?"
https://youtube.com/live/X0moIzRXOHg
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