The Real Investment Show Podcast

It's a show about life, markets, sweat-equity, and the pursuit of wealth in a capitalist market.

10-9-26 How to Keep Your Estate Plan From Tearing Your Family Apart 10/09/2026

10-9-26 How to Keep Your Estate Plan From Tearing Your Family Apart Estate planning is about more than deciding who gets what. Poor planning, unequal circumstances among children, prior financial assistance, caregiver responsibilities, and mismatched inherited assets can create family conflicts that last for years. Richard Rosso and Jonathan McCarty discuss how to have the important conversations before an estate plan is finalized, including treating siblings differently when their circumstances are different, caregiver contracts for children who live nearby, inheritance stipulations, beneficiary alignment, and why “equal” isn't always the same as “fair.” We also discuss sequence-of-returns risk, longevity planning, financial literacy in America, what children learn about money from their parents, the problems with financial advice from fin-fluencers, tipping and the DoorDash debate, and why financial education really begins at home. Plus, a preview of estate planning for pets and why even the family dog deserves a place in the planning conversation. 0:00 - INTRO 0:18 - October in Houston 1:52 - Website Redux & Financial Planning Colonoscopy 3:03 - Sequence of Returns Risk <article link below> 6:08 - Hedging for Longevity Risk (Function Health) 9:20 - How the US Compares to Other Countries w Basic Aspects of Financial Literacy 13:26 - Teaching Kids Financial Literacy - It Starts in the Home 14:03 - Fin-fluencers' flaws 18:34 - Learning About Money from Parents 19:17 - The Door Dash Argument (and tipping) 24:11 - Estate Planning & Pets (teaser) 25:21 - Estate Planning & Inheritance Stipulations 27:42 - Dealing Differently with Different Siblings 28:40 - Financial Assistance to Siblings - Prior Assistance 30:37 - In-state vs Out-of-state children & Care-giver Contracts 34:03 - The Fatted Calf of Inherited Assets - Beneficiary Alignment to Assets is Critical 36:05 - Have the pre-Estate Planning Discussion 38:31 - How to Keep Your Estate Plan from Tearing your Family Apart ==== Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/lv-_wZgiOsI?feature=share -------- Articles Mentioned in Today's Show: "Sequence Of Return Risk: The Math That Breaks Retirements" https://realinvestmentadvice.com/resources/blog/sequence-of-return-risk-the-math-that-breaks-retirements/ -------- Watch our previous show, "Is the Term Premium Misleading the Fed?" https://youtube.com/live/qPprFRCSGlg ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- 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/ #EstatePlanning #Inheritance #FinancialPlanning #FinancialLiteracy #RetirementPlanning /episode/index/show/lancerobertsshow/id/43225243

10-8-26 Is the Term Premium Misleading the Fed? 10/08/2026

10-8-26 Is the Term Premium Misleading the Fed? Is the Federal Reserve relying on a metric that cannot be reliably measured? Dallas Fed President Lorie Logan recently discussed the role of the Treasury term premium in determining whether rising long-term interest rates are doing some of the Fed’s work for it. Lance Roberts & Michael Lebowitz examine what the term premium actually represents, why different models disagree, and whether policymakers risk putting too much emphasis on an uncertain estimate when setting interest rates. 0:00 - INTRO 0:50 - Earnings Season & Optimistic Guidance 2:10 - Bond Auctions & Interest Rate Dynamics 3:42 - Markets Sitting at all-time highs... 4:38 - Earnings Announcements Should Help Support Markets 5:31 - Election Year Market Performance 8:55 - Commentary on Laurie Logan Commentary 12:33 - What is the Term Premium - Decomposes the Yield 13:49 - Constraints to Yields - What Goes Into a 10-Year Yield (chart) 15:27 - Three Fed Models (chart) Set the Fed up for a Mistake 19:18 - When you buy bonds, you are the lender 22:59 - Why Do We Like Bonds Today? 25:03 - Preview: 5% Bond Yields? 25:53 - Consumer Credit Creation: How Money is Lent into Existence (chart) 28:11 - Consumer Health Index (chart) 32:49 - Shares of Individuals Making Net Withdrawals from Investment Accounts (chart) 35:43 - Should taxes on Bond interest be eliminated? (Tweet) 38:57 - No One is Talking About the US Dollar 41:20 - Why You Should Buy a House now 43:10 - Winter is Coming ==== Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's "Before the Bell" report, "S&P 500 Breakout Fails: What's Next?" https://youtu.be/8xiTUNThkgY ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/qPprFRCSGlg?feature=share -------- Watch our previous show, "Q&A Wednesday: Can the Rally Keep Going?" https://youtube.com/live/G6t8DWj9zTk ------ Articles Mentioned in Today's Show: "An Incalculable Concept That Is Misleading The Fed" https://realinvestmentadvice.com/resources/blog/an-incalculable-concept-that-is-misleading-the-fed/ "Two-Month Market Rally: What Comes Next?" https://realinvestmentadvice.com/resources/blog/two-month-market-rally-what-comes-next/ ------- REGISTER for our next Dynamic Learning Series presentation, "More Than A Portfolio: Financial Planning PanelL" https://streamyard.com/watch/tCqfFT6bMEBn ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- 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/ #SP500 #StockMarket #MarketOutlook #EarningsSeason #TechnicalAnalysis #FederalReserve #InterestRates #TermPremium #BondMarket #MonetaryPolicy /episode/index/show/lancerobertsshow/id/43224158

10-8-26 S&P 500 Breakout Fails: What's Next? | Before the Bell 10/08/2026

10-7-26 Q&A Wednesday: Can the Rally Keep Going? 10/07/2026

10-7-26 Q&A Wednesday: Can the Rally Keep Going? Markets are pushing to record highs, but investors have plenty to question. Can the rally keep going as Treasury yields remain elevated, the labor market cools, AI enthusiasm drives Technology stocks, and geopolitical tensions continue to influence oil and inflation? Lance Roberts and Danny Ratliff answer your questions from the YouTube live chat and examine the economic, geopolitical, and investing stories shaping markets right now. Bring your questions and join the conversation as we separate market signals from headlines and discuss what investors should be watching next. 0:00 - INTRO 1:00 - Fed Policy tease (Daily Market Commentary) 3:15 - Markets Hit a New, All=time High; Divergence: Technology vs everyone else 8:18 - Will Breadth Return? 10:15 - Truth is Stranger than Fiction: Will Lewis & Emails 12:56 - Is There a Dollar Liquidity Crisis? (no) 13:04 - Loss sale in a Roth Account 14:48 - What Will Break First before the Fed Lowers Rates? 16:08 - Is Cap-ex Suffocating the Economy? 18:39 - These are "Normal" rates 19:05 - Would a "Bail-in" at Banks Affect Accounts at Investment Firms? 22:54 - Lance is Always Hungry...and on a diet; Favorite donut? 24:53 - Is Now a Good Time to Buy REIT's? 26:00 - Is the Debt too Large for QE? (no) 27:11 - Has the move in the market climaxed? 28:18 - At what 10-yr Treasury rate level do you expect to see change in cpaitla rotations? 29:41 - S&P 8100 by the end of the year? 30:09 - Do TIPS Ladders make Sense for Near-retirees? 30:58 - Investing in Brokerage's Specific Funds in Bankruptcy 32:08 - Mortgages & Delayed Demand on Bonds? (Mortgage-backed Securities) 35:54 - Does the Large Rise in Price Credit Default Swaps for Oracle Portend Financial Stress for AI/Tech Complex? (no) 36:04 - Bail-in vs Bail-out clarity? 36:25 - Should I Buy My Own Bonds vs Advisor Purchase for Me? 37:47 - Recommended Sources for Keeping up w US Economic & Financial News? 38:48 - Is there something better than Treasuries or Treasury Funds? (Why are you buying a bond?) 40:54 - Why Add Bonds to a Portfolio? 43:24 - RIA Fee structure? 45:20 - RIA Branch Office in Abu Dhabi? 45:51 - Key Analysis Points for Staying in IRA vs Rolling into Roth ==== Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's "Before the Bell" report, "Can the S&P 500 Breakout Hold?" https://youtu.be/zmtln5wbJw0 ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/G6t8DWj9zTk -------- Watch our previous show, "Sequence of Returns Risk: The Math That Breaks Retirement," https://youtube.com/live/yUsBTHvqAsE?feature=share ------ Articles Mentioned in Today's Show: "An Incalculable Concept That Is Misleading The Fed" https://realinvestmentadvice.com/resources/blog/an-incalculable-concept-that-is-misleading-the-fed/ ------- REGISTER for our next Dynamic Learning Series presentation, "More Than A Portfolio: Financial Planning PanelL" https://streamyard.com/watch/tCqfFT6bMEBn ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- 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/ #SP500 #StockMarket #NASDAQ #EarningsSeason #MarketOutlook #Investing #FederalReserve /episode/index/show/lancerobertsshow/id/43207063

10-7-26 Can the S&P 500 Breakout Hold? | Before the Bell 10/07/2026

10-7-26 Can the S&P 500 Breakout Hold? | Before the Bell The S&P 500 is on the cusp of breaking out to new all-time highs after the NASDAQ has already pushed into record territory. With futures pointing higher and momentum turning positive, the question now is whether the S&P 500 can break above resistance and, more importantly, hold those gains. The setup has several potential tailwinds. Earnings season is approaching, oil prices have retreated sharply from recent highs, and interest rates appear extremely extended and vulnerable to a retracement. Lower oil prices and easing Treasury yields could reduce inflation concerns and provide additional short-term support for stocks. But markets are also approaching overbought territory, oil is nearing significant support, and unresolved tensions involving Iran could quickly reverse the recent decline in crude. We examine the technical setup, what could drive the next move, and what investors should watch as the S&P 500 challenges record highs. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/zmtln5wbJw0 --- REGISTER for our next Dynamic Learning Series presentation, "More Than A Portfolio: Financial Planning Panel" https://streamyard.com/watch/tCqfFT6bMEBn --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- 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/ #SP500 #StockMarket #NASDAQ #EarningsSeason #MarketOutlook /episode/index/show/lancerobertsshow/id/43206653

10-6-26 Sequence of Returns Risk: The Math That Breaks Retirement 10/06/2026

10-6-26 Sequence of Returns Risk: The Math That Breaks Retirement You can earn a solid average return in retirement and still run out of money. The reason may be sequence of returns risk — the danger of suffering significant market losses early in retirement, while simultaneously withdrawing money from your portfolio. Lance Roberts & Jon Penn explain why the order of investment returns matters so much once you transition from saving to spending, and examine the math behind the 4% withdrawal rule, why early retirement losses can be so difficult to recover from, how taxes can increase the effective draw on a portfolio, and why starting market valuations matter. The goal isn't to predict the next bear market. It's to build a retirement plan that can withstand one. 0:00 - INTRO 1:01 - ISM Report & Economy Activity Remain Robust 2:47 - Earnings Expectations & Whisper Numbers: Plenty of Room for Disappointment 4:09 - Why We Rebalanced on Monday 5:44 - We're on the Cusp of a Breakout to new, all-time highs 7:33 - Oil Prices & Interest Rates 10:35 - Metallica, Wiggles, & How Far Could Kids Go 16:40 - Sequence of returns math (risk): What it is 19:31 - The Generation That's Never Seen a Secular Cycle 21:40 - The Order Decides Everything (chart) 24:22 - What Valuations Mean (chart) 28:33 - Surviving Bear Markets & the Math of Recovery (chart) 33:00 - Interest Rate Factors 33:45 - Factoring for the Tax Man (chart) & Diversification of Accounts 37:38 - [CHAT] Is it too late to start a Roth at Age 60? (no) 40:25 - Summary - What to do next 44:26 - Having Multiple Income Streams in Retirement 45:43 - [CHAT] On the Run T-Bills or Off-the Run? ==== Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's "Before the Bell" report, "S&P 500 Breakout: Can New Highs Hold?" https://youtu.be/EBGstKJIJWo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/yUsBTHvqAsE?feature=share -------- Watch our previous show, "Q4 Market Outlook: Will Strong Markets Finish Strong?" https://youtube.com/live/_eYgx-MHUvI?feature=share ------ Articles Mentioned in Today's Show: "Sequence Of Return Risk: The Math That Breaks Retirements" https://realinvestmentadvice.com/resources/blog/sequence-of-return-risk-the-math-that-breaks-retirements/ "From TINA To TIGA: Diversification Pays Again" https://realinvestmentadvice.com/resources/blog/from-tina-to-tiga-diversification-pays-again/ ------- REGISTER for our next Dynamic Learning Series presentation, "More Than A Portfolio: Financial Planning PanelL" https://streamyard.com/watch/tCqfFT6bMEBn ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- 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/ #SP500 #StockMarket #NASDAQ #EarningsSeason #MarketOutlook #RetirementPlanning #SequenceOfReturnsRisk #RetirementIncome #4PercentRule #InvestmentRisk /episode/index/show/lancerobertsshow/id/43195173

10-6-26 S&P 500 Breakout: Can New Highs Hold? | Before the Bell 10/06/2026

10-6-26 S&P 500 Breakout: Can New Highs Hold? | Before the Bell The S&P 500 is on the cusp of breaking out to new all-time highs after the NASDAQ has already pushed into record territory. With futures pointing higher and momentum turning positive, the question now is whether the S&P 500 can break above resistance and, more importantly, hold those gains. The setup has several potential tailwinds. Earnings season is approaching, oil prices have retreated sharply from recent highs, and interest rates appear extremely extended and vulnerable to a retracement. Lower oil prices and easing Treasury yields could reduce inflation concerns and provide additional short-term support for stocks. But markets are also approaching overbought territory, oil is nearing significant support, and unresolved tensions involving Iran could quickly reverse the recent decline in crude. We examine the technical setup, what could drive the next move, and what investors should watch as the S&P 500 challenges record highs. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/EBGstKJIJWo --- REGISTER for our next Dynamic Learning Series presentation, "More Than A Portfolio: Financial Planning Panel" https://streamyard.com/watch/tCqfFT6bMEBn --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- 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/ #SP500 #StockMarket #NASDAQ #EarningsSeason #MarketOutlook /episode/index/show/lancerobertsshow/id/43193693

10-5-26 Q4 Market Outlook: Will Strong Markets Finish Strong? 10/05/2026

10-5-26 Q4 Market Outlook: Will Strong Markets Finish Strong? Can a strong year for stocks carry its momentum through the fourth quarter? History provides an interesting backdrop for the Q4 market outlook. Lance Roberts examines the forces that could shape markets through year-end, including rising earnings estimates, corporate buybacks, investor sentiment, liquidity, interest rates, and the continuing dominance of Technology. We’ll also look at the other side of the setup: weak market breadth, elevated Treasury yields, narrow leadership, and the risk that strength in the major indexes may be masking weakness beneath the surface. 0:00 - INTRO 1:00 - Earnings Season Begins 3:20 - Friday Employment Weaker than Expected, as Falling Trend Continues 3:45 - There is deterioration in the Economy 6:59 - Markets Close a Decent Week Higher 7:48 - Volatility Showing No Signs of Concern; Breadth is a Different Story 9:07 - Markets Remain Well Above Moving Averages 12:07 - Preview: Sequence of Returns Risk 13:04 - How much Do You Need to Be Happy (chart) 18:21 - Looking Ahead into Fourth Quarter - Is October Cursed by the Market gods? 22:43 - Looking at the Drivers that Cause Crashes (not apparent now) 23:48 - Q4 Statistics (chart) 26:42 - Market Returns in Mid-term Election Years (Chart) 28:10 - Earnings are a Driver for the Markets (chart) 30:01 - Factors that Affect Markets (chart) 34:11 - Computerized Trading Algorithms (CTA) Performance (chart) 37:30 - The Economy is Running on Business Spending (ISM) (chart) 39:31 - Q3: The Index Isn't the Average Stock (chart) 40:26 - Market Breadth is at Levels Where Normally They Reverse (chart) 42:15 - What to do next: Guidelines to Follow (chart) ==== Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's "Before the Bell" report, "Market Breadth Sends a Warning," https://youtu.be/gZDLO_jSZrg ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/_eYgx-MHUvI?feature=share -------- Watch our previous show, "Funeral Planning - Make the Decisions Before Your Family Has To." https://youtube.com/live/oGCV1mUrzwk?feature=share- ------ Articles Mentioned in Today's Show: "Q4 Market Outlook: Strong Years Usually Finish Strong" https://realinvestmentadvice.com/resources/blog/q4-market-outlook-strong-years-usually-finish-strong/ "Price Of Happiness: Missing The Things That Matter" https://realinvestmentadvice.com/resources/blog/price-of-happiness-measuring-the-wrong-things/ "Sequence Of Return Risk: The Math That Breaks Retirements" https://realinvestmentadvice.com/resources/blog/sequence-of-return-risk-the-math-that-breaks-retirements/ ------- REGISTER for our next Dynamic Learning Series presentation, "More Than A Portfolio: Financial Planning PanelL" https://streamyard.com/watch/tCqfFT6bMEBn ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- 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/ #SP500 #StockMarket #MarketBreadth #EarningsSeason #Investing #Q4MarketOutlook #MarketOutlook /episode/index/show/lancerobertsshow/id/43177668

10-5-26 Market Breadth Sends a Warning | Before the Bell 10/05/2026

10-2-26 Funeral Planning - Make the Decisions Before Your Family Has To 10/02/2026

10-2-26 Funeral Planning - Make the Decisions Before Your Family Has To Funeral planning may not be anyone’s favorite financial-planning conversation, but making decisions now can save your family money, confusion, and difficult choices later. Richard Rosso and Jonathan McCarty take a surprisingly entertaining look at the financial side of planning your own funeral, from traditional burial and cremation to cemeteries, niches, pet burials, aquamation, becoming a tree, and even having your cremains launched into space. We’ll examine funeral and burial costs, prepaid arrangements, inflation, cemetery pricing, add-ons, paperwork, and the importance of communicating your final wishes. Can locking in funeral costs today make financial sense? What decisions should you make in advance? And how can planning ahead become an expression of consideration for the people you leave behind? Plus, Richard shares some memorable real-life experiences involving cremains, cemetery niches, his mother’s remains, the Grim Reaper, and why apparently even Buc-ee’s can inspire a conversation about where you’d like to spend eternity. The subject may be death, but the financial-planning lesson is very much about life: make your wishes known, understand the costs, organize the paperwork, and don't leave your family guessing. 0:00 - INTRO 0:20 - Planning a Client's Funeral (DIY version) 2:55 - Advanced Funeral Planning & Cemeteries 5:46 - Niches for Cremains, Richard & the Grim Reaper 7:54 - Getting Richard's Mother Out of the Closet 15:15 - Cremation? Making Decisions Now So Your Relatives Won't Have To 15:43 - Taking the Dogs With You 16:56 - Cost Effective Solutions 18:01 - The Stories in the Niches 20:10 - The Cost of Burial 22:02 - Pre-cutting Burial Sites 23:18 - Adding more People 24:51 - Buc-cee's Burials 26:33 - Pet Cemetary 27:30 - The Business of Burials - Additional costs & add-ons 32:14 - Funeral Inflation & Locking in Costs 34:15 - SCI International 36:04 - Dealing with the Paperwork 38:03 - Communicating Final Wishes 40:31 - How do You Want to Be Buried (Be a Tree, Aquamation, Rocket Launch) 45:45 - Location, Location, Location... 48:00 - The Ultimate Expression of Caring & Respect ==== Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/oGCV1mUrzwk?feature=share -------- Watch our previous show, "From TINA to TIGA: Diversification Pays Again" https://youtube.com/live/JV2n7ESiZ54?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- 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/ #FuneralPlanning #EstatePlanning #FinancialPlanning #FuneralCosts #Cremation /episode/index/show/lancerobertsshow/id/43127378

10-1-26 From TINA to TIGA: Diversification Pays Again 10/01/2026

10-1-26 From TINA to TIGA: Diversification Pays Again For years, investors lived by TINA: “There Is No Alternative” to stocks. With interest rates near zero and bond yields offering little income, equities dominated the investment landscape. But that math has changed. Today, Treasury yields are above 5%, investment-grade corporate bonds offer competitive income, and real yields have climbed to levels not seen in nearly two decades. Meanwhile, stock valuations remain historically elevated. That creates TIGA: “There Is a Good Alternative.” Lance Roberts & Michael Lebowitz examine what the changing relationship between stocks and bonds means for portfolio diversification, why the equity risk premium has narrowed, and how investors can think about balancing income, risk, and long-term return potential. 0:00 - INTRO 1:04 - TINA, TIGA; Bulls & Bears; no pants 2:28 - Did the Fed make a mistake in hiking rates prior to PCE Index Release? 3:13 - Oil Prices & Inflation vs Price Levels 4:21 - GDP Calculations: Consumers and Businesses 5:17 - What the Fed is Fighting 8:13 - Where is a Trading opportunity in Bonds? (TNX) 11:15- Investors are Off-sides on Bonds 15:00 - TINA vs TIGA: What it Means 17:27 - How Are You Getting Paid to Diversify? 19:39 - Equity Risk Premium or Discount (chart) 22:15 - Bonds vs Bond ETF's 25:26 - Why Bonds are Like Annuities 27:00 - Rooting for a Technology Crash (chart)... 28:43 - Technology Stocks are Least-sensitive to Interest Rates 32:09 - Yields Take a While to Impact 33:21 - Credit Spreads are Starting to Widen: A Warning Sign for Markets? 39:06 - Small Business Loan Rates 41:07 - The Thing that the Market Cares About (Forward Earnings) 44:56 - Employment Data Preview ==== Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's "Before the Bell" report, "Bond Yields May Be Setting Up a Trade," https://youtu.be/ikGixV15dME ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/JV2n7ESiZ54?feature=share -------- Watch our previous show, "Q&A Wednesday: What's Holding Up the Market? " https://youtube.com/live/BSygFM2sS7Y ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- 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/ #BondMarket #TreasuryYields #InterestRates #TLT #Investing /episode/index/show/lancerobertsshow/id/43125813

10-1-26 Bond Yields May Be Setting Up a Trade | Before the Bell 10/01/2026

9-30-26 Q&A Wednesday: What's Holding Up the Market? 09/30/2026

9-30-26 Q&A Wednesday: What's Holding Up the Market? The major indexes remain near record territory, but beneath the surface, the picture is considerably more complicated. Technology continues to provide important support while market breadth has weakened, Treasury yields remain elevated, and small- and mid-cap stocks have faced greater pressure. Meanwhile, investors are weighing the Federal Reserve’s latest rate hike, higher bond yields, oil prices, stretched areas of the market, Nvidia’s massive stock buyback, and questions about whether Technology can continue carrying so much of the market’s weight. Lance Roberts & Danny Ratliff take your questions directly from the YouTube live chat and discuss what these developments could mean for markets, portfolios, interest rates, bonds, retirement planning, and the economy. 0:00 - INTRO 0:56 - Last day of the Quarter; Friday is Employment Day 2:18 - JOLTS Report - Labor Hoarding 6:10 - Markets Continue to Consolidate; Breadth is Very Weak 7:51 - The Set up for a Year End Rally 10:46 - When you're right...and keeping score 13:00 - Cash on Hand? 13:46 - Investor Sentiment Then & Now 15:27 - What about Utilities Now? 16:20 - RSP vs SPY? 17:24 - Interest Rate Sensitive Small- & Mid-caps? 19:08 - When Trading Patterns Fail? (chart) 22:15 - Can You Remember a Time when the US Has Been This Resilient? (yes) 25:40 - Data Center Growth Projections to 2040 27:48 - When do We Know When the Bond Market Crashes? (Why does the Fed hike rates?) (chart) 32:38 - Taking Advantage of Rate Environment to Buy a House 35:34 - Collateralized Loan Obligations as Investments: Know the quality of underlying loans 37:13 - Is Now a Good Time to Invest in REITS? 39:57 - Total Cost of a House Over Time? (What the Real American Dream is...) 42:13 - What is a Qualified Dividend (AMLP & Buying Dividend Companies) 43:44 - The Three Legs of a Portfolio 45:11 - Bumping Up 401k Contributions ==== Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's "Before the Bell" report, "Market Breadth Sends a Warning " https://youtu.be/YR2WHQHpryU ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/BSygFM2sS7Y -------- Watch our previous show, "Stop Trying to Beat the Market" https://youtu.be/_m7uSDmtseI ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- 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/ #StockMarket #MarketBreadth #SP500 #Investing #MarketOutlook #FederalReserve #InterestRates #MarketOutlook #Bonds /episode/index/show/lancerobertsshow/id/43086918

9-30-26 Market Breadth Sends a Warning | Before the Bell 09/30/2026

9-29-26 Stop Trying to Beat the Market 09/29/2026

9-29-26 Stop Trying to Beat the Market Can even the wealthiest investors consistently beat the market? Recent data comparing the Forbes 400 with the S&P 500 raises an important question about investment performance, indexing, and the pursuit of market-beating returns. Lance Roberts & Jonathan Penn examine why Americans across generations remain uncertain about their future financial needs, and what that says about the importance of planning beyond portfolio performance. Then, we put a real-world income decision under the microscope: a 5-year Multi-Year Guaranteed Annuity (MYGA) yielding 6% versus a 5-year U.S. Treasury yielding 5%. Is the additional yield worth the differences in liquidity, guarantees, taxes, and risk? 0:00 - INTRO 1:00 - National Coffee Day 1:55 - ISM Report/Dallas Fed: 4% GDP Growth? 4:02 - Earnings Season About to Begin/Market Seasonality Set up 6:20 - Markets Continue to Bore; very deceptive 7:54 - Reflexive Rally today? 9:36 - Where to bet on Markets' next move? 11:24 - National Coffee Day & Lance's Weekend Indulgence; Peanut Butter poll 15:15 - Kneejerk Reactions by Investors to Constantly Beat the Market (Fortune 400 vs S&P 500) 18:34 - When Investors Meddle with Portfolios 21:58 - How to Lose Money on a Bond 23:20 - When You're Down in a Position (and don't want to sell at a loss...) 25:49 - Is There a Strategy for Looking for under-valued bonds? 29:37 - Are there Concerns over Stability of US Treasury Market? (6% MYGA vs 5% Treasury) 36:51 - What about Brokered CD's? 39:31 - Managing a Portfolio for Maximum Tax Efficiency; Dealing with Taxes on Bonds 46:58 - Investor Optimism & Beating the Market - Investors Keep Less than the Funds They Own (chart) ==== Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's "Before the Bell" report, "What the S&P 500 Is Hiding," https://youtu.be/_m7uSDmtseI ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/rw1VkcLx91U -------- Watch our previous show, "Can the S&P 500 Really Reach 9,000?" https://youtube.com/live/6XwMMbygt6k ------- Articles Mentioned in Today's Show: "Jefferies Sets 9000 Market Target: Everything Must Go Right" https://realinvestmentadvice.com/resources/blog/jefferies-sets-9000-target-for-market-everything-must-go-right/ "Investor Optimism Wins As An Investment Strategy" https://realinvestmentadvice.com/resources/blog/investor-optimism-wins-as-an-investment-strategy/ "McDonald’s At Four-Year Lows Isn’t As Worrisome As Some Fear" https://realinvestmentadvice.com/resources/blog/mcdonalds-at-four-year-lows-isnt-as-worrisome-as-some-fear/ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- 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/ #SP500 #StockMarket #MarketOutlook #Investing #Nvidia #FinancialPlanning #RetirementPlanning #Bonds #MYGA #PeanutButter /episode/index/show/lancerobertsshow/id/43072313

9-29-26 What the S&P 500 Is Hiding | Before the Bell 09/29/2026

9-29-26 What the S&P 500 Is Hiding | Before the Bell The S&P 500 may look calm, but beneath the surface, the market is telling a very different story. Small-caps, mid-caps, utilities, real estate, and parts of Technology have been under pressure, while heavyweight stocks such as Nvidia have helped support the market-cap-weighted indexes. With the S&P 500 sitting near its 20-DMA and still trapped in a consolidation range, that growing market dispersion deserves attention. But investors should be careful about reading too much into short-term price action. Month-end and quarter-end portfolio rebalancing can create unusual sector moves as managers sell recent winners and add to underweight positions. We explain what the market's underlying weakness may be signaling, why the next breakout from consolidation could matter, and how seasonality, corporate buybacks, earnings, and historical market trends could shape the final months of 2026. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/_m7uSDmtseI --- Articles mentioned in this report: "McDonald’s At Four-Year Lows Isn’t As Worrisome As Some Fear" https://realinvestmentadvice.com/resources/blog/mcdonalds-at-four-year-lows-isnt-as-worrisome-as-some-fear/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- 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/ #SP500 #StockMarket #MarketOutlook #Investing #Nvidia /episode/index/show/lancerobertsshow/id/43071673

9-28-26 Can the S&P 500 Really Reach 9,000? 09/28/2026

9-28-26 Can the S&P 500 Really Reach 9,000? Can the S&P 500 really reach 9,000? Jefferies has set a 9,000 target for the index by the end of 2027, but getting there may require nearly everything to go right. Lance Roberts examines the assumptions behind that forecast, including earnings growth, historically high profit margins, AI-driven capital spending, market valuations, and interest rates. With earnings estimates moving higher instead of following their typical pattern of downward revisions, Wall Street’s outlook has become increasingly optimistic. But what happens if earnings growth slows, margins begin to mean-revert, AI spending fails to generate the expected returns, or Treasury yields remain elevated? We look beyond the headline target to examine the math, the risks, and what investors should consider when market expectations leave little room for disappointment. 0:00 - INTRO 0:53 - End of Quarter Prep 2:00 - October tends to be strong in mid-term election years 4:05 - If you're starting to feel bearish...Markets are sitting near all-time highs 9:41 - Baylor Fathers' Weekend, Hope for the Future, and Coffee Coming... 16:50 - Iran Conflict continues; oil prices remain elevated 18:26 - Economic numbers continue strong (charts) despite higher interest rates 23:01 - Michigan Consumer Sentiment Index (chart) 24:37 - We're not Recessionary yet - Disinflationary action is coming 26:40 - When does consumer cushion run out? 27:53 - Positive effects of Cap-ex spending 29:30 - Effects of Cap spending (Why not everyone wants a WalMart...) 32:57 - Can the S&P Really Reach 9,000? 35:57 - Estimates Usually Fall 37:09 - Earnings are Breaking Above 90-year Ceiling, and rising... 38:17 - The Earnings Path has a Hole in it 39:25 - Not one Fed Official Sees a Downside to Growth 42:32 - What Has to Happen Next ==== Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's "Before the Bell" report, "Is a Major Market Rotation Coming?" https://youtu.be/O4vmRc0LypA ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/6XwMMbygt6k -------- Watch our previous show, "Will the Next Trade Be Bonds?" https://youtube.com/live/TeDizY1oNmY?feature=share ------- Articles Mentioned in Today's Show: "Jefferies Sets 9000 Market Target: Everything Must Go Right" https://realinvestmentadvice.com/resources/blog/jefferies-sets-9000-target-for-market-everything-must-go-right/ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- 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/ #MarketRotation #TechnologyStocks #StockMarket #SectorRotation #Investing #SP500 #Investing #MarketOutlook #SP9000 /episode/index/show/lancerobertsshow/id/43057663

9-28-26 Is a Major Market Rotation Coming? | Before the Bell 09/28/2026

9-24 26 Will the Next Trade Be Bonds? 09/24/2026

9-24 26 Will the Next Trade Be Bonds? With interest rates, inflation, oil prices, Treasury yields, and stock market valuations all competing for investors’ attention, what should you be watching now? As the S&P 500 approaches record territory, can markets sustain a breakout, or are new risks beginning to emerge? Lance Roberts and Danny Ratliff answer your questions from the YouTube live chat, and break down the economic, investing, and consumer stories shaping markets this week. We’ll discuss what the latest economic and market signals could mean for stocks, bonds, portfolio positioning, retirement planning, and consumers, while separating short-term headlines from longer-term financial considerations. 0:00 - INTRO 1:02 - S&P Global Manufacturing Index showing rising costs 3:17 - Market is doing what September Markets do 7:29 - The Dollar is on a tear 9:27 - Coffee & Semi-Conductors 13:39 - S&P Global Manufacturing Index - Market over-reaction to nothing new 16:28 - Capitulation Event for Yields 17:50 - 5-Year Bond Auction - Failed or Poor? 24:01 - Why We Bought 5-year Treasuries 26:01 - The TINA Trade vs the TIGA Trade 32:43 - How We Build Bond Portfolios - ETF's vs Individual Bonds 35:42 - If Bonds Get Crushed 37:20 - Rooting for Gloom & Doom 40:00 - The Great Bond Massacre of 1068 40:57 - Fear in the Bond Market is Starting to Spread Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's "Before the Bell" report, "Why Your Portfolio May Be Lagging the S&P 500," https://youtu.be/H7TLBSsGh3M ------- Watch Today's Full Video on our YouTube Channel: -------- Watch our previous show, "Q&A Wednesday: Rates, Risks, & Record Highs" https://youtube.com/live/TeDizY1oNmY?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- 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/ #StockMarket #SP500 #SmallCaps #InterestRates #Investing #Bonds #BondMarket /episode/index/show/lancerobertsshow/id/43022543

9-24-26 Why Your Portfolio May Be Lagging the S&P 500 | Before the Bell 09/24/2026

9-23-26 Q&A Wednesday: Rates, Risks, & Record Highs 09/23/2026

9-23-26 Q&A Wednesday: Rates, Risks, & Record Highs With interest rates, inflation, oil prices, Treasury yields, and stock market valuations all competing for investors’ attention, what should you be watching now? As the S&P 500 approaches record territory, can markets sustain a breakout, or are new risks beginning to emerge? Lance Roberts and Danny Ratliff answer your questions from the YouTube live chat, and break down the economic, investing, and consumer stories shaping markets this week. We’ll discuss what the latest economic and market signals could mean for stocks, bonds, portfolio positioning, retirement planning, and consumers, while separating short-term headlines from longer-term financial considerations. 0:00 - INTRO 1:08 - Trump - Xi Summit - Much ado about nothing 2:17 - Possible Export Ban on Diesel Exports? 3:35 - Earnings Growth Estimates are Very Large - That's a Risk 5:34 - Markets Hold Up Above Moving Averages 5:56 - Factor Rotation Model performance - VTV Value Index Under Pressure - MGK - Large Cap Growth Stocks proxy 9:48 - Fed Rate Hike Coordinated for Yen Carry Trade? (No, a martket-driven rate hike) 12:28 - Gold Correlation with Real Interest Rates 12:40 - Why Rotate into Financials? (Factor Rotation Model) 13:52 - How do Earnings Grow When the Middle Class is Getting Squeezed? (K-Shaped Economy) 16:58 - Stock Analysis: AMD (NOT a recommendation) 20:10 - Income Producing ETF's in Preparation for Retirement (JPQ) (NOT a Recommendation) 22:09 - Money Moving Out of Stocks into Fixed Income? (charts) 24:49- Tracking Forward Earnings Estimates Revisions 26:05 - Dealing with Gloom-and-Doom Narratives 30:07 - Series: Investing for the Long Term (link is below) 31:54 - Cryptocurrency-A (Tether) Holding US Treasuries; StableCoin, Solana 35:17 - How much Higher Will Rates Run this Year? 35:40 - M2 Correlation with Inflation? (All money is lent into existence) 37:18 - RSP vs SPY and Sector Rotation 38:22 - Late Year Market Dip Yet? 39:11 - Lance is rich and out of touch?? (There will always be the poor among us...) 44:16 - Where did this inflation come from? (We don't want deflation) 46:50 - How We're (really) Doing Financially (chart) 50:14 - What Danny Wears as Market Indicator Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's "Before the Bell" report, "Is Money Rotating From Growth to Value?," https://youtu.be/46Y-k5LfWxA ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/TeDizY1oNmY?feature=share -------- Watch our previous show, "Can Your Kids Afford to Invest Without You?" https://youtube.com/live/ewgHX5U7dEg ------- Articles Mentioned in Today's Show:" "Portfolio Risk Management: Winning The Long Game (Chapter 5)" https://realinvestmentadvice.com/resources/blog/portfolio-risk-management-winning-the-long-game-chapter-5/ "K-Shaped Economy: Reality Or Media-Driven Perception" https://realinvestmentadvice.com/resources/blog/k-shaped-economy-reality-or-media-driven-perception/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- 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/ #StockMarket #Investing #GrowthStocks #ValueStocks #MarketRotation #InterestRates #FederalReserve #Investing #RetirementPlanning /episode/index/show/lancerobertsshow/id/43006248

9-23-26 Is Money Rotating From Growth to Value? | Before the Bell 09/23/2026

9-22-26 S&P 500 Eyes New Highs | Before the Bell 09/22/2026

9-21-26 What Happens When Earnings Estimates Fall Short? 09/21/2026

9-21-26 What Happens When Earnings Estimates Fall Short? Earnings expectations can drive stock prices higher, but what happens when corporate profits fail to meet those expectations? Lance Roberts examines earnings mean reversion, why Wall Street estimates can become overly optimistic, and what falling short of projected earnings could mean for stock valuations and market returns; what is the relationship between earnings growth and economic growth, how expectations become embedded in stock prices, and why elevated valuations can make earnings disappointments more consequential. Importantly, what should investors watch as earnings estimates change, and how can portfolio risk be managed when expectations and fundamentals begin to diverge? 0:00 - INTRO 0:59 - Rebalancing Coming; The History of Pensions (now over-funded) 3:51 - Friday's Options Expiry: Volatile Markets 4:37 - Markets Continue to do what they've been doing - Nothing 7:24 - Be Cautious with Allocations 8:03 - Volatility Remains Compressed 10:29 - Website & Radio History 13:50 - Goldman Earnings Estimates - What it doesn't show 17:28 - Why Most Narratives Never Matter - Earnings Don't Always Go Up 21:02 - (Chart) S&P Earnings vs Long Term Trend 22:55 - (Chart) S&P 500 Profit Margins Have Re-Based Higher 23:57 - The Apple iPhone Example 27:40 - The Earnings Boom Runs on One Budget (chart) 29:35 - (Chart) The Consensus Already Forecasts a 2027 Cliff 30:55 - A Narrative Worth Paying Attention to: What if spending tapers off? 32:45 - K-Shaped Economy tease 34:07 - Fed Rate Hike Recap - Where the Fed Rate Hike Reaches... 38:52 - The Fed's Dot Plot Signal 41:51 - Expectations vs Reality & Fed Irony (chart) 42:48 - Who Performs Best When Fed Rates Rise (chart) 43:37 - Portfolio Action Plan Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's "Before the Bell" report, "Market Pressure Is Building," https://youtu.be/PBwgI2MdnFM ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ewgHX5U7dEg -------- Watch our previous show, "Will Your Money Last as Long as You Do?" https://youtube.com/live/360YB_NdPwA ------- Articles Mentioned in Today's Show: "Earnings Mean Reversion: When Estimates Snap Back" https://realinvestmentadvice.com/resources/blog/earnings-mean-reversion-when-estimates-snap-back-2/ "The Fed Rate Hike Won’t Fix The Inflation It Targets" https://realinvestmentadvice.com/resources/blog/the-fed-rate-hike-wont-fix-the-inflation-it-targets/ "K-Shaped Economy: Reality Or Media-Driven Perception" https://realinvestmentadvice.com/resources/blog/k-shaped-economy-reality-or-media-driven-perception/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- 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/ #StockMarket #Investing #MarketOutlook #SP500 #OilPrice #Earnings #MarketValuations #PortfolioManagement #FederalReserve /episode/index/show/lancerobertsshow/id/42977713

9-18-26 Will Your Money Last as Long as You Do? 09/18/2026

9-18-26 Will Your Money Last as Long as You Do? Living longer changes almost every assumption behind traditional retirement planning. As more Americans reach retirement age and potentially spend decades in retirement, planning must extend well beyond simply building a large enough portfolio. Richard Rosso and Jonathan "Smarty" McCarty examine the financial realities of longevity, including the fear of running out of money, identifying reliable retirement income sources, withdrawal and tax strategies, long-term care and hybrid insurance policies, estate planning, charitable giving, inheritances, housing decisions, and determining which risks you can absorb versus those you should mitigate. Plus, they discuss the lack of credentials among some financial influencers, alternative ways to measure inflation and healthcare costs, the state of workplace financial and retirement-planning benefits, and the provocative question of whether advances in artificial intelligence represent another major societal turning point. Living to 100 may sound like a blessing, but financially preparing for it requires a very different retirement plan. 0:00 - INTRO 0:20 - Finfluencers (financial influencers) Lack Credentials 6:52- Tracking Inflation w Multiple Metrics - Healthcare Cost Index 9:20 - State of the Workplace - Financial Benefits & Retirement Planning Assistance 11:03 - AI is self-aware: The Fifth Turning 13:23 - Planning for Longevity 16:05 - Estate Planning in Longevity Planning 18:13 - The Silver Tsunami - American's Turning 65 & Living Longer 21:13 - American's Working Longer - Longevity Coaching deficit 23:18 - The Longevity Checklist - Living to 100 25:31 - The Fear of Running Out of Money - Know the Reliability of Income Sources 28:23 - Withdrawal Strategies and Taxes in Old Age - Gifting and Charitable Intent 29:46 - Home Renovation Planning 32:04 - Longterm Care Insurance - Hybrid policies 33:13 - Living Will Directives & Inheritances 36:06 - Rockefeller's Donor Farm 37:45 - Understanding Risks to Absorb vs Risks to Mitigate Hosted by RIA Advisors' Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/360YB_NdPwA -------- Watch our previous show, "What the Fed Said" https://youtube.com/live/ZB0_e_Oi86w?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next in-person Retirement Income Workshop, tomorrow, September 19, 2026: https://tracking.realinvestmentadvice.com/l/1052953/2026-06-17/2kkcz --- 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/ #RetirementPlanning #LongevityPlanning #RetirementIncome #EstatePlanning #FinancialPlanning /episode/index/show/lancerobertsshow/id/42942995

9-17-26 What the Fed Said 09/17/2026

9-17-26 What the Fed Said The Federal Reserve raised interest rates for the first time in three years, but for investors, the bigger question is what comes next. Lance Roberts and Michael Lebowitz break down what the Fed said, what Chairman Kevin Warsh signaled about inflation and future monetary policy, and why the Fed's updated rate projections matter for markets. With most policymakers anticipating another rate increase this year, is this the beginning of a new tightening cycle, or could the Fed be closer to "one and done"? What could higher rates mean for stocks, bonds, economic growth, and portfolio strategy as investors look toward the Fed's remaining meetings in 2026? 0:00 INTRO 1:12 - Retail Sales Better than Expected 3:20 - Market Reaction to Rate Hike, Dot Plots, & Commentary 5:14 - Room for a Rally? Odds vs History 10:40 - Mrs. Roberts' Hamburger Date 13:37 - Fed Hikes Rates: Policy Mistake? 17:02 - No Rate Cuts Next Year? 19:50 - Why Would the Fed Raise Rates? (Looking at PCE) 24:02 - It's All About the Bond Market 24:44 - Kevin Warsh' non-Forward Guidance & Dot Plots 27:16 - What Problems Will Rate Hike Cause? 30:08 - This is screwy 31:06 - The Neutral Rate is Already Restrictive 32:27 - Has the Bond Market Already Done the Fed's Job? (article) 35:44 - When the Fed Fights Inflation, it Makes Your Life Worse 37:18 - Is This a Start of a New Rate Cycle, or Continuation of Past Rates? 38:46 - This is an Oil Problem 39:26 - Fed Funds Rate History (chart) 42:17 - Give it a few days... Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's Before the Bell report, "What Fed Rate Hikes Mean for Stocks," https://youtu.be/x3R2_RXa6ew ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/ZB0_e_Oi86w -------- Watch our previous show, "Q&A Wednesday: What Will The Fed Do?" https://youtube.com/live/a_oJzPPbdLQ ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next in-person Retirement Income Workshop, "Saturday, September 19, 2026: https://tracking.realinvestmentadvice.com/l/1052953/2026-06-17/2kkcz --- Articles Mentioned in Today's Show: "Has The Bond Market Already Done The Fed’s Job?" https://realinvestmentadvice.com/resources/blog/has-the-bond-market-already-done-the-feds-job/ --- 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/ #FederalReserve #StockMarket #InterestRates #SP500 #Investing #FedRateHike /episode/index/show/lancerobertsshow/id/42941517

9-17-26 What Fed Rate Hikes Mean for Stocks | Before the Bell 09/17/2026

9-16-26 Q&A Wednesday: What Will The Fed Do? 09/16/2026

9-16-26 Q&A Wednesday: What Will The Fed Do? It’s Fed Day, and markets are waiting for answers. It's also Q&A Wednesday, and Lance Roberts takes your questions from our YouTube Live Chat window. He'll break down the biggest economic, investing, and market developments of the past week, including the Federal Reserve’s September FOMC meeting, interest rates, inflation, rising Treasury yields, oil prices, AI spending concerns, and the recent pressure on stocks. 0:00 INTRO 0:55 - Fed Day: Will They or Won't They? 3:11 - Market Breaks Below 50-DMA 4:12 - Reflexive Rally not surprising, post-Fed 4:30 - Oil Prices Putting Pressure on Economy 9:02 - What's the Expected Market Reaction for FOMC Rate Decision? 12:54 - Are there clear tech support levels for S&P? 15:57 - Does it make sense to owns TIPS in an IRA in a state with high income tax? 16:47 - Lance's Roth Thesis 19:14 - Inflation feeds into everything; isn't it tame for now? (What the Fed SHOULD do) 22:37 - Credit Card Spending and After Tax Wage Growth 25:31 - Do Markets Compound? (no) 30:03 - Gold Behavior and Rate Hikes 31:53 - Too Bad Warsh Didn't Introduce Truflation (link to Oliver Rust interview is below) 32:49 - 90% Equities, 10% Cash: Time to Buy Bonds? 34:07 - Nick Timaros Chart--pricing in two rate hikes this year? 34:39 - Selling Equities to Lock in Bonds? 38:08 (Gamblers Anonymous Thursdays w Michael Lebowitz) 39:52 - Raise Rate and Lower Credit Card Rates? (Doesn't work that way) 40:15 - Do we only have a few years left to make money? (yes) (chart) 44:34 - Will Payment of Interest on National Debt be an Issue? (no) 46:19 - Where might the top of the Ten Year Treasury be? 47:54 - Why can't you cap credit card rates lower? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's Before the Bell report, "Markets Break the 50-DMA: What Happens Next?" https://youtu.be/GNBpgdhBG9U ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/a_oJzPPbdLQ -------- Watch our previous show, "10 Money Moves to Make Before Year End" https://youtube.com/live/cSHoYh0sR70 ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next in-person Retirement Income Workshop, "Saturday, September 19, 2026: https://tracking.realinvestmentadvice.com/l/1052953/2026-06-17/2kkcz --- Articles Mentioned in Today's Show: "Investing Myths Dismantled (Chapter 4 of 5)" https://realinvestmentadvice.com/resources/blog/investing-myths-dismantled-chapter-4-of-5/ "Is Inflation Data Getting it Wrong? (Oliver Rust Interview) https://www.youtube.com/live/603EdhToXq8?si=lSvziR7PKnwWx1Fp --- 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/ #StockMarket #AIStocks #MarketOutlook #Investing #TechnologyStocks #FinancialPlanning #RetirementPlanning #TaxPlanning #RothConversion #YearEndPlanning /episode/index/show/lancerobertsshow/id/42930852

9-16-26 Markets Break the 50-DMA: What Happens Next? | Before the Bell 09/16/2026

9-15-26 10 Money Moves to Make Before Year End 09/15/2026

9-15-26 10 Money Moves to Make Before Year End The end of the year will be here before you know it. What financial moves should you make now instead of waiting until December? Lance Roberts and Jon Penn look at 10 important year-end financial planning decisions to consider before December 31, including tax planning, Roth conversions, required minimum distributions (RMDs), qualified charitable distributions (QCDs), retirement plan contributions, and charitable giving. 0:00 INTRO 1:02 - The Challenge in the Markets 2:22 - Will Warsh Hike Rates...or not? 3:19 - Markets Struggle through Narrow Trading Range 4:31 - If the Markets Stay Flat...? 8:47 - Preparing for Q4 (Halloween & Christmas) 12:32 - Gold, Silver, & Precious Metals as Inflation Hedge? (Why to earn certain assets) 14:24 - Figuring out the equity allocation puzzle 19:26 - ...when we're 64. 20:45 - 20% is not enough for equity exposure 23:33 - Diversity Assets AND Account Types 25:20 - Turn off the noise; the problem with being pessimistic 27:31 - Know What You Own 29:40 - What to Focus on Between Now & EOY 30:55 - How to Prepare for Santa Cause Rally (Tax-loss Harvesting) 32:21 - Wash Rules & ETF's 33:58 - Charitable Contributions & Donor Advised Funds 35:16 - Does Roth Conversion Make Sense Now? 36:00 - How to Handle Required Minimum Distributions this year 36:40 - Qualitied Charitable Distributions 39:30 - Maxing Out Contributions to IRA's (Get the free money) 42:54 - Portfolio Allocation, Risk Tolerances, & Large Expenditures: Cash on hand? 46:07 - Reviewing Beneficiary Designations Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's Before the Bell report, "Is AI Spending Really Slowing?" https://youtu.be/sSQVKetdR2g ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/cSHoYh0sR70 -------- Watch our previous show, "Is This Time Different for Stocks?" https://youtube.com/live/GNSmdq5nH2o ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next in-person Retirement Income Workshop, "Saturday, September 19, 2026: https://tracking.realinvestmentadvice.com/l/1052953/2026-06-17/2kkcz --- 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/ #StockMarket #AIStocks #MarketOutlook #Investing #TechnologyStocks #FinancialPlanning #RetirementPlanning #TaxPlanning #RothConversion #YearEndPlanning /episode/index/show/lancerobertsshow/id/42919192

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