Advertise on podcast: The Real Investment Show Podcast

Medicare Open Enrollment is here, but are you making the right choices for your retirement healthcare coverage? From Medicare Advantage and Medigap Plan G to prescription drug coverage and high-deductible health plans, understanding your options could help you avoid costly mistakes. Richard Rosso & Jonathan McCarty break down the differences between Medicare Supplement policies, issue-age versus attained-age pricing, Medicare Advantage networks, and Part D prescription drug plans. We also discuss why reviewing your Annual Notice of Change matters, how to choose a Medicare broker, and when leaving your Health Savings Account (HSA) untouched could benefit your long-term retirement strategy. Plus, Halloween candy prices are up 8% year over year, we're preparing for Halloween with candy corn martinis and animatronics, and Grand Theft Auto 6 raises questions about workplace productivity. We'll also touch on Function Health testing, Little Debbie cakes, and the rising cost of seasonal celebrations. 0:00 - INTRO 0:19 - Prepping for Halloween & Candy Corn Martini 3:44 - The Price of Halloween Candy up 8% YOY 6:37 - Dressing Up for Halloween & Animatronics 8:53 - Grand Theft Auto 6 lost productivity 11:14 - Annual Medicare Enrollment Season - Medigap plans 14:11 - Issue Aged vs Attained Age Plans 15:24 - Shopping Medigap Policies (Plan-G) 18:15 - When Not Touching Your HSA Pays Off 19:44 - Switching to High-deductible Plans 21:53 - More Halloween Candy & Little Debbie Cakes 23:08 - Consideration of Function Health Testing 27:20 - What About Medicare Advantage? 28:58 - Verify your doctor/hospital system 29:53 - What is "margin repair?" 32:10 - Part-D Drug Coverage - The Biggest Challenge 34:06 - Taking a Look at the Other Medicare Letters - too many choices 36:55 - The Medicare Rights Center guide 39:13 - The Annual Notice of Change 42:00 - Choosing a Medicare Broker ==== Hosted by RIA Advisors' w 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/I6dc8PdOYN8?feature=share -------- Watch our previous show, "The Fed Is Making a Mistake," https://youtube.com/live/Pun9DDwpOOw ------- * REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- 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/ #MedicareOpenEnrollment #MedicareAdvantage #Medigap #RetirementPlanning #HealthSavingsAccount

Is the Federal Reserve getting monetary policy wrong? The bond market may be sending a warning that the Fed is ignoring. With inflation, interest rates, and economic growth sending conflicting signals, the risk of a costly Federal Reserve policy mistake is growing. Lance Roberts & Michael Lebowitz examine whether the Fed is misreading the economy, keeping interest rates restrictive for too long, or risking another inflationary surge by easing too soon. What are Treasury yields and the bond market telling us about the Fed's next move? And what could a monetary policy mistake mean for stocks, bonds, retirement portfolios, and your investments? 0:00 - INTRO 0:54 - Markets Point downward, post-Meta Report 4:10 - There's Narratives...and then there's Reality 5:38 - Markets don't need to crash to fix over-valuations 8:47 - Markets Rally back above 20- & 50-DMA 9:39 - Consolidation does same work as a Market Decline 11:06 - Patience Pays 13:41 - Meta Earnings Beat on Every Metric 14:56 - What "cash flow negative" really means 16:52 - When Companies Buy Back Stock w Free Cash Flow 19:02 - We Can't Live Without the Internet...or AI 20:22 - The Meta Stock Split Explained 23:23 - Are Interest Rates Now Impacting Businesses? 25:34 - The Fed is Fighting Oil, not Inflation 28:11 - What the Fed Did in 2020-22 32:40 - Warsh's less-communication Policy 33:46 - The Fed's Irony 35:05 - Why is the Fed Talking About Raising Rates? (Oil) 37:10 - The Bullish Benefit of a Fed Mistake 38:38 - The Small Cap Story 40:19 - "End the Fed?" ==== 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 Full Video on our YouTube Channel: https://youtube.com/live/Pun9DDwpOOw -------- Watch our previous show, "Q&A Wednesday: Your Market Questions Answered" https://youtube.com/live/orve3fortqo ------- Watch Today's "Before the Bell" report, "Is the Market Ready for a Big Move?" https://youtu.be/DUIKUWaIgK0 ------- * REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- Articles Mentioned in Today's Show: "Are Bonds Pricing In A Fed Policy Mistake?" https://realinvestmentadvice.com/resources/blog/are-bonds-pricing-in-a-fed-policy-mistake/ "Why Small Caps Have Recently Traded Like A Bond Proxy" https://realinvestmentadvice.com/resources/blog/why-small-caps-have-recently-traded-like-a-bond-proxy/ ------- 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 #MarketOutlook #EarningsSeason #InvestingStrategy #FederalReserve #InterestRates #BondMarket #FedPolicy #Oil

Stocks are under pressure despite strong earnings from major technology companies. With S&P 500 futures falling and the Nasdaq facing renewed selling, are investors preparing for a market correction, or is a breakout approaching? Lance Roberts examines why strong corporate earnings aren't enough to satisfy Wall Street's elevated expectations, how concerns about an artificial intelligence (AI) bubble are affecting technology stocks, and why the market may be correcting without a major crash. The S&P 500 remains trapped in a consolidation range, with tightening Bollinger Bands signaling a potentially significant move ahead. Meanwhile, rapid sector rotation, weakening momentum, and upcoming Magnificent Seven earnings could determine the market's next direction. Should investors raise cash, hedge portfolios, or prepare to buy? Lance explains why patience, technical indicators, and disciplined portfolio management matter more than alarming market headlines. 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/DUIKUWaIgK0 --- REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- 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/ #StockMarket #SP500 #MarketOutlook #EarningsSeason #InvestingStrategy

Are stocks headed for a year-end rally, or is the AI investment boom creating new risks for investors? Today, we examine improving stock market breadth, the S&P 500's ongoing consolidation, and the outlook for a potential Santa Claus rally. We discuss whether artificial intelligence stocks are in a bubble, what constitutes an attractive valuation for Nvidia (NVDA), and the risks surrounding CoreWeave, Anthropic's delayed IPO, and growing AI data center infrastructure investments. We also explore the outlook for energy stocks (XLE), rising electricity demand from AI data centers, international investing risks, and whether it's time to reduce overseas exposure. Plus, recommended investing books, the role of optimism in long-term investment success, GE's transformation, and a preview of SimpleVisor AI. With market leadership broadening and seasonal trends approaching, we consider what investors should watch as 2026 draws to a close. 0:00 - INTRO 0:53 - Technical Difficulties (Why we're late this morning) 1:49 - Space-X Report - Better Than Expected 3:39 - Overall Market Looks Pretty Good 3:58 - Sneak Peak: SimpleVisor AI 5:32 - Market Breadth Improves 6:34 - Consolidation Continues 9:42 - Which Books on Investing Are Recommended? 16:01 - Danny is out hunting 16:23 - Are we in an AI Bubble? 22:10 - What is RIA? SimpleVisor.com explainer 24:14 - What Would be an Attractive PE for Accumulating Nvidia (charts) 30:57 - It is Time to Scale-back on International Exposure (France, Iran, etc.) 33:28 - Optimists Do Better than Pessimists 33:39 - Is the Delayed Anthropic IPO a Red Flag? (What is an IPO?) 36:16 - Will XLE Correct to the Downside? 38:09 - Power Needs of Data Centers & Profitability (The Infrastructure Play) 41:25 - What is the Negative Risk if Nvidia buys CoreWeave? 43:52 - What Happened to GE? 44:52 - Is RIA Planning for a Santa Claus Rally? (How the seasonal cycle works) ==== 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 Full Video on our YouTube Channel: https://youtube.com/live/orve3fortqo -------- Watch our previous show, "Is AI Killing Diversification?" https://youtube.com/live/uYJNuJ0C-yU?feature=share ------- Watch Today's "Before the Bell" report, "Markets Brace for a Breakout," https://youtu.be/VE1Unee3hAE ------- * REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- Articles Mentioned in Today's Show: "Spotting Market Bubbles: Why History Says It's Nearly Impossible" https://realinvestmentadvice.com/resources/blog/spotting-market-bubbles-why-history-says-its-nearly-impossible/ "Speculative Bull Runs And The Value Of A Bearish Tilt" https://realinvestmentadvice.com/resources/blog/speculative-bull-runs-and-the-value-of-a-bearish-tilt/ ------- 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 #MarketBreakout #TechnicalAnalysis #MarketOutlook #PortfolioDiversification #ArtificialIntelligence #RiskManagement #InvestingStrategies

The S&P 500 remains trapped in a consolidation range as investors await the next decisive market move. Strong trading support and rapid rotation between technology and value stocks are keeping buyers and sellers evenly matched, despite a continuing momentum sell signal. Will corporate earnings trigger the next stock market breakout? With midterm elections approaching and year-end seasonality coming into focus, Lance Roberts examines market technicals, trading volume, and the potential catalysts that could finally break the market's sideways trend. The question isn't whether consolidation will end, but which direction stocks will move next. 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/VE1Unee3hAE --- REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- 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/ #StockMarket #SP500 #MarketBreakout #TechnicalAnalysis #MarketOutlook

Is artificial intelligence making portfolio diversification more difficult than investors realize? AI-driven stocks dominate major market indexes, leaving investors potentially overexposed to a handful of technology companies, even when they own diversified index funds. Lance Roberts and Jonathan Penn examine the hidden risks of AI-driven market concentration, the limitations of traditional diversification, and practical strategies for balancing portfolio risk without sacrificing long-term investment objectives. 0:00 - INTRO 1:00 - What Employment Reports & JOLTS Surveys Say 3:23 - Forward PE's are What the Entire Market Prices Off of 5:13 - S&P 500 Rallies Slightly, Still Trading Sideways 5:48 - Oil Price Rally Putting Pressure on Interest Rates (Time to take profits?) 7:50 - Sector Rotation Within the markets 11:34 - The Autumn Crud 12:22 - Nvidia, AI, & Proper Diversification - Are We In an AI Bubble? 20:42 - The Difference Between Internet Cos and AI Cos of Today 23:00 - Potential Diversifiers from AI/Technology? 26:02 - Taking the Series Tests 27:05 - The AI Narrative & Too Much Exposure? 30:05 - People Who Trade Their 401k Plans...and those who don't 31:48 - Training AI: Garbage in, Garbage out 37:41 - What Cap-ex Spending on AI is for now 39:34 - The Emotional Shift from Accumulation to Decumulation in Retirement 42:33 - Getting Accustomed to Having no Regular Paycheck: Portfolio Structure 44:44 - Why People Buy Annuities 46:20 - No One Really Retires 48:17 - Coming Attractions* ==== 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 Full Video on our YouTube Channel: https://youtube.com/live/uYJNuJ0C-yU?feature=share -------- Watch our previous show, "Why Bad Inflation May Be Good for Markets" https://youtube.com/live/azh9TZhC4PQ?feature=share ------- Watch Today's "Before the Bell" report, "Is Energy Due for a Selloff?" https://youtu.be/DWGy5xlDXYQ ------- * REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- 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/ #PortfolioDiversification #ArtificialIntelligence #StockMarket #RiskManagement #InvestingStrategies

Oil prices are surging, but could an energy sector reversal be coming? Lance Roberts examines why extremely overbought crude oil prices may be signaling a near-term peak, with implications for inflation, Treasury yields, Federal Reserve policy, and the stock market. The S&P 500 remains in consolidation after testing its 100-day moving average, while sector rotation continues. Technology stocks have weakened as Consumer Staples, Healthcare, Materials, and Financials gain strength. Energy remains unusually extended, raising the possibility of a sharp correction. Should investors take profits in energy stocks and rebalance portfolio risk? Lance explains the technical signals to watch and previews the new Simplevisor platform launching November 1 at Simplevisor.ai. 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/DWGy5xlDXYQ --- REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- 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/ #OilPrices #EnergyStocks #StockMarketAnalysis #SectorRotation #InvestingStrategy

Is inflation here to stay, or could higher prices eventually correct themselves? Lance Roberts explains why the difference between "good" and "bad" inflation matters for the Federal Reserve, interest rates, Treasury yields, and the stock market. We examine what inflation trends reveal about consumer purchasing power, Federal Reserve policy, bond yields, and the outlook for investors. Could today's inflation pressures eventually become tomorrow's economic weakness? 0:00 - INTRO 0:51 - Heavy Week of Earnings Driving markets 2:05 - Markets Sell off on Friday 3:52 - Markets Still Stuck in Same Consolidation Range (S&P vs RSP) 5:56 - Banks' Six Weeks' Sell Off = Opportunity? 8:18 - Misunderstanding Inflation - Good vs Bad 10:47 - What Inflation Looks at: Rate of CHANGE in Price 12:49 - The only thing the Fed can control is your spending 14:26 - The Fed is coming after you 15:03 - A history of inflation, supply, & demand (chart: price & quantity) 21:00 - Headline vs Core CPI (chart) 22:50 - Wages are the Problem (chart) 23:34 - Labor Share of Output is 52% (chart) 26:20 - When Do We Have Demand Destruction? (now) - Real Oil Prices Always Come Back (chart) 28:12 - How to Position Portfolios for 2027? 29:26 - The AI Cap-ex Spend Narrative (Data Centers Are Not New) 34:16 - Record Capex, Fading Growth (chart) 39:35 - What if Capex Growth Stalls? (chart) 41:03 - Risks to Capex Spending (chart) 48:02 - AI is Real (just like the internet trade) ==== 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 Full Video on our YouTube Channel: https://youtube.com/live/azh9TZhC4PQ?feature=share -------- Watch our previous show, "The Hidden Costs of Pet Ownership" https://youtube.com/live/msrXdknaVjg?feature=share ------- Articles Mentioned in Today's Show: "Bad Inflation Cures Itself. Good Inflation Doesn't" https://realinvestmentadvice.com/resources/blog/bad-inflation-cures-itself-good-inflation-doesnt/ "AI Capex And Earnings: What Happens When Growth Slows" https://realinvestmentadvice.com/resources/blog/ai-capex-and-earnings-what-happens-when-growth-slows/ "The Kalecki Profit Equation And The Coming Reversion" https://realinvestmentadvice.com/resources/blog/the-kalecki-profit-equation-and-the-coming-reversion/ -------- Watch Today's "Before the Bell" report, "Tech Stocks Take a Hit" https://youtu.be/Cz1Gn2J62Yc ------- REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- 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/ #Inflation #FederalReserve #StockMarket #TreasuryBonds #Investing

Technology stocks are under pressure as investors rotate from growth to value, while the S&P 500 approaches a critical test of its 100-day moving average. Following Friday's selloff, the market remains trapped in a two-month consolidation range, with a short-term momentum sell signal suggesting further downside pressure. AI-related suppliers and neocloud stocks suffered particularly sharp losses, even as broader market breadth improved. Lance Roberts examines how falling 10-year Treasury yields are fueling sector rotation, why equal-weight stocks are outperforming mega-cap technology, and whether oversold bank stocks could present a buying opportunity. Discover what shifting market leadership means for portfolio diversification, interest-rate-sensitive sectors, and the next move in the S&P 500. 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/Cz1Gn2J62Yc --- 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/ #StockMarket #SP500 #TechStocks #SectorRotation #Investing

How much does owning a dog or cat really cost over its lifetime? From adoption fees and food to veterinary care, pet insurance, and estate planning, pet ownership comes with financial obligations that can significantly affect your household budget. Richard Rosso & Jonathan McCarty examine the true lifetime costs of pet ownership, including the differences between dogs and cats, unexpected healthcare expenses, dental care, travel arrangements, and ways to manage financial risks. Should pet expenses have their own line item in your financial plan? Is pet insurance worth the premiums? And what happens to your pets when you're no longer able to care for them? Plus, we're discussing the reported 3.6% Social Security cost-of-living adjustment (COLA), and examining the rising costs of Halloween candy, pet costumes, and seasonal spending. 0:00 - INTRO 0:20 - The Pregnancy Minefield & The Real McCarty's 4:52 - Social Security COLA = 3.6% 6:00 - Planning for Pets - Dogs vs Cats 7:44 - Estimate Median Lifetime Pet Costs 11:28 - Animal Adoptions, etc. 13:47 - Pet Costs as Part of Financial Plan 14:16 - Setting Up Separate Pet Expense Budget Line Item 15:19 - Risk Mitigation for Pet Ownership Cost 18:08 - The True Cost of Adoption 24:56 - Traveling with Pets Expenses 26:33 - Estate Planning for Pets 27:18 - Considering Pet Insurance (Lemonade, TruPanion) 37:28 - Doggie Items & Costumes 39:17 - Halloween Candy Costs ==== 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/msrXdknaVjg?feature=share -------- Watch our previous show, "Inflation Runs Hot: What's Next for the Fed?" https://youtube.com/live/AFjsj1rWqOw?feature=share ------- REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- 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/ #FinancialPlanning #PetOwnership #PetInsurance #EstatePlanning #RetirementPlanning

Inflation remains stubbornly elevated, raising fresh questions about the Federal Reserve's next move on interest rates. Will the Fed hold rates higher for longer, or will slowing economic growth force policymakers to reconsider? Lance Roberts and Michael Lebowitz examine the latest inflation trends, the Fed's interest rate outlook, and what persistent price pressures could mean for the stock market, Treasury yields, and investors. Can the Federal Reserve bring inflation under control without undermining economic growth? We discuss the challenges facing monetary policymakers, the risks of keeping interest rates elevated, and how changing inflation expectations could influence stocks, bonds, and portfolio strategy. 0:00 - INTRO 0:46 - CPI Comes in Hot 2:24 - Markets Sell Off on Inflation Print 3:36 - RSP Showing Recovery in Rotations 6:46 - Barry White & Sore Throats 7:49 - The Tell of the Tails - Foreign Selling & Domestic Buying 10:45 - Retail Bond Buying (EDIT) 12:10 - Two Reasons: CPI +.01%, Bond Yields Fall 14:09 - When Bad News is Good News 15:56 - CoreWeave (neo-cloud) Factor: Is AI Overbuilding? 18:49 - Credit Spread Widening: Is the Fed Making a Mistake? 22:01 - How Fed Policy is Working Through the Economy 22:47 - Credit Spreads in CCC Arena (chart) 27:06 - The Fed Wants the Cost of Money to be More Painful 28:28 - Mortgage-backed Securities (MBS) as Surrogates for Bond Market (chart) 30:24 - The Problem with MBS - Becoming Specified Pools 38:02 - Why Buy MBS vs Treasury? 40:03 - PPI & Retail Sales 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 Full Video on our YouTube Channel: https://youtube.com/live/AFjsj1rWqOw -------- Articles Mentioned in Today's Show: "Think Rates Are Peaking? Consider Mortgage-Backed Securities" https://realinvestmentadvice.com/resources/blog/think-rates-are-peaking-consider-mortgage-backed-securities/ -------- Watch Today's "Before the Bell" report, "Hot Inflation, Stalled Markets," https://youtu.be/2WPLXIJt24g ------- Watch our previous show, "Q&A Wednesday" https://youtube.com/live/KW1HXnwHT0E ------- REGISTER for our next Dynamic Learning Series presentation, "More Than A Portfolio: Financial Planning PanelL," TODAY, October 15 at Noon: 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/ #StockMarket #SP500 #Inflation #MarketBreadth #InvestingStrategy #FederalReserve #InterestRates #FedPolicy

Hotter-than-expected CPI inflation data sent stocks lower Wednesday, erasing the S&P 500's recent breakout to all-time highs and pushing markets back into the trading range that has persisted since August. With the index now threatening to test its 100-day moving average, is a larger correction developing, or is this simply normal October market behavior? Lance Roberts examines why improving market breadth and a rotation from growth to value stocks may be helping stabilize markets despite weakness in Technology and semiconductor shares. The equal-weighted S&P 500 (RSP) is showing signs of recovery, while Healthcare, Financials, and Energy are attracting renewed interest. This broadening participation suggests investors are repositioning rather than abandoning equities. With markets consolidating, Lance explains why patience, disciplined risk management, selective profit-taking, and maintaining portfolio exposure may be preferable to reacting prematurely. The next sustained breakout, higher or lower, will help determine the market's direction. 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/2WPLXIJt24g --- 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/ #StockMarket #SP500 #Inflation #MarketBreadth #InvestingStrategy

What do the latest economic developments, stock market trends, Federal Reserve policy, and geopolitical events mean for your investments and retirement plans? Join Lance Roberts and Danny Ratliff for Q&A Wednesday as we examine the past week's financial headlines, market volatility, interest rates, Treasury yields, and investment opportunities. 0:00 - INTRO 0:56 - CPI Day & Financials 3:23 - Rotation from Growth to Value 4:04 - Russell 2000 Breaks 200-DMA 7:07 - Allergies & Interest Rates and Real Estate 12:37 - Investment Capital Movement from Europe to US 13:05 - Bear markets vs Bull markets' behaviors 14:40 - What is the Longest the S&P 500 has been flat? 16:37 - Free Supplements for Life or Train in Empty Gym? 17:22 - Should TIPS Funds be Short Term? 18:25 - Adjustments When Markets Trade 24/7? 21:43 - What is Criteria for Value Stock? 23:03 - Who was Lance's Favorite Guitarist Across KISS Line-ups? 23:28 - Credit Rating Companies Sued for Incorrect Ratings? 26:42 - Do You Like the 20-Year Bond Now? 27:44 - Trading Beats Casinos & On-line Betting 28:56 - Good System for Allocating and Taking Profits 32:02 - Bond Trading or Holding at Age 45? 36:26 - Why Tracking Credit Spreads? 38:00 - US Dollar Purchasing Power Going Forward? 41:23 - Interest Rates Are Not Friendly for Smaller Companies (IWM) 43:49 - What Criteria to Allocate Bonds in Portfolio? 45:55 - Website: Five Part Series on Buy & Hold ==== 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 Full Video on our YouTube Channel: https://youtube.com/live/KW1HXnwHT0E -------- Articles Mentioned in Today's Show: "Bonds At 5%: Is The 10-Year Treasury Finally A Buy?" https://realinvestmentadvice.com/resources/blog/bonds-at-5-is-the-10-year-treasury-finally-a-buy/ "Gambling Epidemic: Gen Z Bets Against Their Future" https://realinvestmentadvice.com/resources/blog/gambling-epidemic-gen-z-bets-against-their-future/ -------- Watch Today's "Before the Bell" report, "S&P 500 Masks Market Weakness" https://youtu.be/myaErUG7bS4 ------- Watch our previous show, "Is Gen Z Gambling Away Its Future? (Are Bonds a Safe Bet?)" https://youtube.com/live/JKIIh2ikSYE?feature=share ------- REGISTER for our next Dynamic Learning Series presentation, "More Than A Portfolio: Financial Planning PanelL," this Thursday, October 15 at Noon: 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 #SmallCapStocks #Investing #FederalReserve #MarketVolatility #FinancialPlanning

The S&P 500 continues to hold steady, but beneath the surface, market weakness persists as investors rotate from growth stocks into value. Technology and semiconductor stocks are facing selling pressure, while mega-cap names like Apple, Alphabet (Google), and Nvidia help support the market-cap-weighted S&P 500. Meanwhile, the Russell 2000, S&P SmallCap 600, and S&P MidCap 400 reveal a different picture. Small-cap and mid-cap stocks continue to struggle, with weak market breadth and widening performance gaps across sectors. In today's Before the Bell, Lance Roberts examines the ongoing growth-to-value rotation, the divergence between major market indexes, and why sector selection and individual stock selection are becoming increasingly important. The takeaway: The S&P 500 may appear stable, but underlying market weakness suggests investors should remain cautious as the rotation continues. 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/myaErUG7bS4 --- 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 #MarketBreadth #SmallCapStocks #Investing

Is Gen Z gambling away its financial future? And with 10-year Treasury yields near 5%, are bonds finally offering investors a safer bet? Lance Roberts & Jon Penn examine two very different approaches to financial risk: the growing popularity of sports betting, online gambling, and speculative trading among younger Americans, and the potential investment opportunities emerging in the U.S. Treasury market. 0:00 - INTRO 1:12 - Bill King Recap* & Gen Z Gambling Preview 2:27 - Earnings Season Kicks off: Banks' Buying Opportunity? 4:35 - The Only Thing Holding Market Up is Technology & Energy 5:06 - Financials Will Drive Markets Today 10:01 - Financial Nihilism & Gen-Z 12:51 - Gambling - the Percentages of Addiction & Restrictions (charts) 17:13 - Where the Money Goes (chart) 19:41 - Gamblers Anonymous - the next great investing opportunity? 21:56 - Warning Signs of a Gambling Problem (charts) 23:25 - When the next bear market comes... 26:58 - The Basics of Bonds - E-book coming 28:47 - Why Interest Rates Are Where They Are Today (chart) 30:09 - What Goes Into a 10-Year Yield (chart) 32:40 - When Bond Prices Fluctuate 37:18 - When Stocks Break, Bonds Usually Hold (charts) 41:01 - High Valuations, Low Stock Returns (chart) 42:23 - Bond Income Now Does More Than Half the Work (chart) 45:24 - There are more than just 20-year bonds 48:44 - Bonds are the Lifeblood of the Economy 49:43 - Coming Attractions ==== 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 Full Video on our YouTube Channel: https://youtube.com/live/JKIIh2ikSYE?feature=share -------- Articles Mentioned in Today's Show: "Bonds At 5%: Is The 10-Year Treasury Finally A Buy?" https://realinvestmentadvice.com/resources/blog/bonds-at-5-is-the-10-year-treasury-finally-a-buy/ "Gambling Epidemic: Gen Z Bets Against Their Future" https://realinvestmentadvice.com/resources/blog/gambling-epidemic-gen-z-bets-against-their-future/ -------- Watch Today's "Before the Bell" report, "Are Bank Stocks Bottoming?" https://youtu.be/-YfT7cVSAYQ ------- * Watch our previous show, "Depopulation: What Happens When the Population Shrinks? The Bill King Interview," https://youtube.com/live/ynm6KxHSSy0 ------- REGISTER for our next Dynamic Learning Series presentation, "More Than A Portfolio: Financial Planning PanelL," this Thursday, October 15 at Noon: 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/ #StockMarket #BankStocks #JPMorgan #FinancialStocks #MarketAnalysis #GenZGambling #SportsBetting #TreasuryBonds #FinancialLiteracy #Investing