The Real Investment Show Podcast

Available Episodes

5 of 3092

11-19-25 Pension or Lump Sum - What's the Smarter Move?
Choosing between a company pension and a lump-sum payout is one of the biggest financial decisions many pre-retirees will ever face—especially for workers in industries facing layoffs or restructuring, like the major oil companies in Houston right now. Lance Roberts & Danny Ratliff break down the key factors to consider when comparing a lifetime pension annuity versus taking a lump-sum distribution you can invest or convert into a private annuity. Using a real-world scenario from a viewer—age 64, a $700,000 lump-sum offer, and a sizable 401(k)—we explore the risks, trade-offs, and questions every retiree should ask before making the call. 0:00 - INTRO 0:19 - Why Nvidia Matters 2:53 - Yes, Virginia, Draw Downs Happen 9:50 - 2026 Economic Summit Preview 10:39 - It's Just a 3% Pullback 13:01 - The Risk Range Report explainer 16:56 - E-Mail Query: Lump Sum or Pension? 19:45 - Pensions are Going the Way of the Dinosaurs 21:29 - Do Not Have a Lump Sum Check Written to You 22:55 - Pensions have no COLA 25:01 - Plan for Higher Taxes in the Future 26:49 - The YouTube Poll 29:07 - Once You're Done, You're Done 33:58 - Lump Sums & Annuities: Be Careful! 38:30 - Understand Your Options 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=WoSPpnkGW2o&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Market Panic? It's Just a 3% Pullback" is here: https://www.youtube.com/watch?v=Gs3bObsvk0c&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Sumnmit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Our Previous Show, "Indicators & Income: What Retirees Must Know (Who Can You Trust)?" is here: https://www.youtube.com/watch?v=9-K-d9bfV_o&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=254s ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketToday #MarketPullback #PreMarketUpdate #BitcoinAnalysis #TechnicalAnalysis #RetirementPlanning #PensionVsLumpSum #RetirementIncome #FinancialEducation #InvestingBasics
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42:47
11-19-25 Market Panic? It's Just a 3% Pullback | Before the Bell
Markets are pulling back and investor anxiety is rising, with the S&P down about 3% from the peak and the NASDAQ off roughly 5%. Headlines warn of "relentless selling," but this is exactly what happens after a powerful rally. We just experienced one of the strongest six-month runs since 1990—corrections are part of the process. In today's pre-market update, we break down why this drawdown isn't a crisis, why risk management matters even in bull markets, and how investor narratives can quickly fall apart. The recent weakness in Bitcoin and NASDAQ lines up with technical signals that flashed weeks ago, including a clear MACD sell on Bitcoin. This isn't the end of the world. It's how markets work. 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://www.youtube.com/watch?v=Gs3bObsvk0c&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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/ #StockMarketToday #MarketPullback #PreMarketUpdate #BitcoinAnalysis #TechnicalAnalysis
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11-18-25 Indicators & Income: What Retirees Must Know (Who Can You Trust)?
Lance Roberts & Jonathan Penn tackle two of the biggest gaps in financial education: How to actually use RSI, MACD, Money Flow, and MACD Histogram together, and why post-retirement planning (the "decumulation" phase) is so overlooked—yet absolutely critical. Lance and Jon break down the mysteries of indicator interplay, retirement income strategies, and how to evaluate who you can trust with your money. 0:00 - INTRO 0:19 - The Math Ain't Mathin' for 2026 Earnings Projections 4:57 - I Told You So 10:42 - Technical Analysis - Keep it Simple 14:04 - Adapt Your Technical Analysis to Your Time Frame 15:19 - Looking for a Trend - What is a Moving Average? 18:02 - What the MACD Tells Us - The Gap 22:18 - Measuring Relative Strength 24:16 - The Bitcoin Example 27:18 - Buyers and Sellers and Money Flows 30:41 - No One Size Fits All 32:09 - The Value of Diversified Portfolio Management 34:30 - The Fallacies of Diversification 37:40 - Retirement Doesn't Mean the Same for Everyone 44:37 - Organization of Withdrawal Strategies 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=9-K-d9bfV_o&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=254s ------- The latest installment of our new feature, Before the Bell, "S&P 500 Breaks 50-DMA: Don't Panic" is here: https://www.youtube.com/watch?v=OZ4-aOC7VqQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Sumnmit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Our Previous Show, "Full Market Cycles: Why Bull Runs Always Meet Their Match," is here: https://www.youtube.com/watch?v=l2P3Un4Mq_g&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #SP500 #50DayMovingAverage #StockMarketCorrection #PreMarket #Investing2025 #RetirementPlanning #TechnicalAnalysis #RSI #MACD #FinancialEducation
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11-18-25 S&P 500 Breaks 50-DMA: Don't Panic | Before the Bell
The S&P 500 just broke below its 50-day moving average (50-DMA) for the first time in 199 days – the longest streak since the bull run began. Is this the start of a major correction or just another fake-out? In today's pre-market video short, we break down: Why yesterday's break of the 50-DMA actually matters What the MACD and RSI are telling us right now Why everything is moving together: stocks, small-caps, Nasdaq (QQQ), international, emerging markets, gold, and even Bitcoin The danger of high correlation across all asset classes in 2025 Historical seasonality: the last 2 weeks of November are usually strong Key takeaway: Don't panic-sell yet. Wait 2–3 days to see if the S&P closes back above the 50-DMA. Buyers often step in exactly at these widely watched levels. 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://www.youtube.com/watch?v=OZ4-aOC7VqQ&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- 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 #50DayMovingAverage #StockMarketCorrection #PreMarket #Investing2025
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11-17-25 Full Market Cycles: Why Bull Runs Always Meet Their Match
Full market cycles matter more today than at any point in the last 15 years. Lance Roberts breaks down why valuations, history, and market structure all point to a simple truth: Every bull market is only half the story. The other half is the bear. Lance's approach isn't bullish or bearish. It's risk-focused. Your job as an investor isn't to predict the next crash—it's to avoid catastrophic losses that erase years of gains during the completion of a full market cycle. 0:00 - INTRO 0:27 - Market Moves Will Hinge on Nvidia 4:18 - Markets' 3rd Test of 50-DMA 8:46 - Why Berkshire Lags the S&P 10:36 - Economic Acceleration Expectations for 2026 14:01 - Consumer Spending Drives Economic Growth 17:42 - Economic Consolidation is Underway 21:45 - Half of Expected Cap-Ex Spending Will Support Economic Activity 23:48 - Full market Cycles Encompass Bulls & Bears 28:20 - A History of Markets' Performance 29:58 - Market Cycles Have Rhythm - The Wycoff Cycles 31:52 - There is No Evidence of Imminent Crash 33:42 - Full market Cycle Analyses 35:22 - Navigating Markets Now 37:51 - Betting Against Buffett 40:59 - Market Dynamics Can Drive Bull Markets for a While 42:42 - Data Deluge & Comming Attractions 👉 Subscribe for weekly insights on investing, behavioral finance, and practical money management. 📍 More at RealInvestmentAdvice.com Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=9-K-d9bfV_o&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=254s ------- The latest installment of our new feature, Before the Bell, "Is a Market Top Forming?" is here: https://www.youtube.com/watch?v=M9ZcmcDNCM8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Open Enrollment Traps to Avoid This Year" is here: https://www.youtube.com/watch?v=l2P3Un4Mq_g&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Premarket #TechnicalAnalysis #NvidiaEarnings #InvestingNews #MarketCycles #InvestingStrategy #BearMarket #StockMarketAnalysis #Valuations
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