Natalie Pace Blogs
Photo of Natalie Pace by Marie Commiskey. Avalon Photography.
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Tesla. Tariffs, Price Wars, Chinese Competition and Protests. Overview · Tesla’s earnings report today at 2:30 PM Pacific time could be terrible. · Institutional investors could sell in the extended hours trading period, which could cause a gap down overnight. · Tesla’s challenges will not disappear overnight. · Valuations for the company are quite high. · We’ve been warning that Tesla was in trouble for over a year. Be sure that you’re following me on Instagram & LinkedIn so that you get these warnings regularly. (ISPs are not great about delivering emails these days.) · Join us at our Stock Master Class on May 3, 2025, where you will learn how to evaluate equities yourself and where to find the information about what is likely to happen before the announcement is made. (Prerequisite: Spring Financial Freedom Retreat April 25-27, 2025.) · Email [email protected] if you’d like an updated Auto Stock Report Card. Today, Tuesday, April 22, 2025, Tesla will release their 1Q 2025 quarter earnings report at 2:30 PM PT. However, we already know that the deliveries were very underwhelming and that the company’s profit margins have been under attack due to intense Chinese competition in the electric vehicle space. On the other hand, with Tesla down by more than half, is now a time to buy into Tesla‘s potential recovery and rally? How are other American automakers faring against the new tariffs? Below are the topics will cover in this blog. Tesla and Electric Vehicles Expensive Share Price? Chinese Competition & Price Wars Tariffs Protests ICE vehicles Debt and Profitability And here is more information on each topic. Tesla and Electric Vehicles Tesla has been making the news this year because of the CEO’s high-profile role in government. However, the massive drop in share price over the last four months can also be attributed to other challenges faced by the company, many of which were a problem before the 2024 election results. Chinese competition was already weighing severely on margins. The price wars were forcing Tesla to lower prices in order to compete. As a result, revenue growth in the December 2024 quarter was only 2.15%, even though deliveries were higher than they’ve ever been. Tesla’s net income in 2024 was $7.13 billion compared to $15 billion in 2023. The results that Tesla will announce today could be a massive disappointment for investors. Deliveries in 1Q 2025 were -13% lower year over year and a whopping -32% lower sequentially. The net income could drop to levels not seen since the second quarter of 2022. Such poor performance could easily spark massive selling in the extended hours trading and a gap down by tomorrow morning. (As a reminder, we’ve been warning of Tesla’s challenges for over a year.) Expensive Share Price? With a market cap of over $762 billion, Tesla is worth more than General Motors, Ford Motor Company and Toyota Motors combined. The company was valued at over $1 trillion at the height of its popularity in January of this year. Even with the massive drop in share price, from a high of $488.54/share to today’s price of $240.34, the price earnings ratio is 112. That’s quite lofty for growth companies and far too speculative for companies that are experiencing a contraction in their profits and earnings. You’ll see headlines about Tesla’s robotaxi as the savior of the stock. However, the company is not expected to put them on the road until 2027. Hoping that robotaxis will save the day becomes problematic when the global economy is embroiled in a Trade War, which could spark a recession. Learn more about Robotaxis in my Dec. 25, 2024, blog. Many investors bought Tesla because they liked their cars. Once the CEO became involved in government, they began to sell their cars and stock. Institutional investors seek to profit from the popularity pulse. However, they are typically the first to pull the plug when challenges appear to be embedded and persistent. Many of Tesla’s challenges are unlikely to go away soon. Chinese Competition & Price Wars The rapid growth of EV demand in China and the acceleration of the market to meet that demand has generated a massive price war. China is the fastest growing market for electric vehicles in the world by far, with 11 million of the 17.1 million EVs sold in 2024 (64.3%).  China’s BYD had the largest sales growth, with 52.66% revenue growth year over year in the 4th quarter. There are hundreds of Chinese electric vehicle startups. Many of them crash and burn. However, before they do, they bring down the retail prices of all the companies. Tariffs According to Telemetry, a Detroit-area automotive advisory firm, U.S. and Canadian auto sales could decline by 1.8 million vehicles in 2025 and remain stagnant over the next decade if the current tariffs stay in place. U.S. automotive executives have been lobbying the White House to get the tariffs abolished or at least paused for an extended period. Elon Musk has said the impact on Tesla will be “not trivial.” (We’ll hear more on tariffs today in the earnings call.) Analysts point out that, while all automakers will be affected by tariffs, Tesla will be less impacted because they produce and deliver locally. Tesla‘s vehicles are made in the United States, while GM imports 48% of its vehicles. Many of the vehicles sold in the US are imported from Canada or Mexico. All cars are smart vehicles these days, relying upon microchips, most of which are sourced from Taiwan. Many auto parts are in the global supply chain and subject to tariffs. This will increase the cost for the automakers no matter where their cars are produced and delivered. Protests Last year, the Tesla Model Y was the bestselling vehicle in the world. This year, there are Tesla Takedown protests. The brand has taken a hit due to Elon Musk‘s role in government. It’s still early in the game, and it’s impossible to know what the future holds in terms of investor and customer sentiment. Will Musk take more interest in government and give up his CEO position at Tesla? Will the reverse happen? Tesla was so popular because it enjoyed First Mover Advantage and produced excellent vehicles. However, there are a lot of great choices for EVs these days. ICE vehicles According to Rho Motion, the leading electric vehicle research house, 17.1 million units of electric vehicles were sold in 2024, up 25% versus 2023. China led the charge with 11 million sold, up 40% over the 2023 sales. 2024 was the first time that Internal Combustion Engine (ICE) vehicles dropped below 80% market share in the U.S., at 79.8%. The forecast is that 25% of vehicles sold in the US in 2025 will be EVs. Debt and Profitability With profit margins getting squeezed by tariffs and intense competition, the automobile industry will be challenged in 2025. (The industry always suffers when the economy slows down. Remember that GM and Chrysler went bankrupt in 2009.) It’s important to note that many of the U.S. automakers are at the lowest rung of investment grade. Ford and General Motors both have elevated Debt to Equity ratios. Ford has the lowest credit rating of the big automakers at BBB- with a negative outlook. The company has slipped in and out of junk and investment grade many times over the past few decades. Tesla has a lot of debt, as well. However, the market cap is so massive that the debt looks small by comparison. That will change if the share price plunges. Bottom Line Tariffs are making automobiles more expensive to make at a time when the margins are already under attack from intense competition from the Chinese automakers. Forecasts are projecting a significant pull back in U.S. automobile sales. That is not the only problem weighing on Tesla at this time. All of the factors listed above are playing into why there has been a great deal of selling in the stock. While it’s human nature to want to buy & hope when tough times arrive, professional investors read the tea leaves of what the future is likely to hold to determine their strategy. The future looks rough and murky for the former darling of Wall Street and Main Street – Tesla. Join us at our online Spring Financial Freedom Retreat April 25-27, 2025 (online) where you'll learn why ESG investing is missing the E and how to green your money. The following Saturday on May 3, 2025, at our Stock Masterclass, learn the strategies that earned me the ranking of #1 stock picker. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just nine rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Your friends and family can get the best price for the April 25-27, 2025 Retreat when they register together. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as Nvidia, artificial intelligence, and quantum computing, * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. You'll even discover how to save thousands annually with smarter big-ticket choices. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Join us for our Online Spring Financial Freedom Retreat April 25-27, 2025. Email [email protected] or call 310-430-2397 to learn more. Register with friends and family to receive the best price. Click for testimonials, pricing, hours & details.  Join us for our Restormel Royal Immersive Adventure Retreat. March 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and eight private, prosperity coaching sessions. There are only 9 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 70% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Pace, author of The Power of 8 Billion: It's Up to Us and other bestsellers. Photo by Brian McLernon. Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Fun Ways to Celebrate Earth Day April 22nd. Will the Correction Become a Bear Market? 21st Century Recessions Look More Like Depressions. Will Oil Prices Sink or Soar? Executives are Uncertain. Health Savings Accounts. Save Thousands. Get a Tax Credit. Provide for Tomorrow's Healthcare Needs. Restormel Manor House 2025. A Truly Royal and Magical Adventure. 9 Ways to Cut Your Tax Bill in Half and Save Thousands Annually. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? The Cleanest Cities in the World. Can Altadena, Pacific Palisades and Gaza Become Edens? Rebuilding Gaza. American Companies Will Benefit. Top Dividend/Income Strategies for 2025. 2025 Crystal Ball: Who Will be the Superstars of Wall Street? Gold & Crypto IRAs and the Risk of Fraud and Losses. 10 Rules of Successful Investing. Quantum Computing. Paper Losses. Another Warning About Long-Term Bonds! 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Apple iPhone Sales Plunge in China. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Charitable Giving. Nonprofits that are Worthy of Supporting. The DJIA Plunged 1100 Points After the Dec. 2024 FOMC Meeting. Why Are So Many Safe Investments Losing Money? A Bargain-Priced AI Company. Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Black Friday and Cyber Monday Sweepstakes. Robo Investing and AI. No, They are Not Foolproof. Stocks Soar as Nvidia Joins the DJIA. Copper. Peru ETF Outperforms the S&P500. 4 Ways to Celebrate World Sustainability Day, Oct. 30, 2024. Will There be a Santa Rally or will the Election Ruin Everything? Will Insurance Companies & Homeowners Weather the Hurricanes? 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Arkansas Sues Temu for Data Theft. We Must Be the Boss of Our Money. Why? Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Can Crowdstrike Recover from its Colossal Catastrophe? Featuring a Cybersecurity Overview. Fintechs and Brokerages that Fail are Not FDIC-Insured. 5 Green Tips for Clean Beaches Week. So, You Think You Want to Be a B&B Owner... Retiring Soon? Start Planning Now. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. May is National Bike Month. Paris and Amsterdam are the Stars. Vacations that Color Our World Forever. 9 Inflation, Budgeting, Debt Reduction and Investing Solutions. China & Russia Double Their Gold Holdings. 2024 Investment of the Year? Bitcoin Sets a New Record High. The Importance of Rebalancing. Uh. Oh. More Bank Trouble. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. The Best ROI* (Almost 40%!) & 7 Life Hacks That Save Thousands. WeWork's Bankruptcy. Half-Empty Office Buildings. Problems in our Personal Wealth Plan. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. China Bans Apple 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Bank of America has $100 Billion in Bond Losses (on Paper) Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Why We Are Underweighting Banks and the Financial Industry. Save Thousands Annually With Smarter Energy Choices Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? My 24-Year-Old is Itching to Buy a Condo. Should I Help Him? The Bank Bail-in Plan on Your Dime. Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.
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 Earth Day is coming up on April 22, 2025 (Tuesday). How will you celebrate? Please tag us on Instagram and Facebook and use the hashtag #EarthGratitude, so that we can easily find and share your work. Think about an hour of personal net zero (in addition to whatever you’re doing). Can you walk or bike to your event? Also, see below for two free opportunities, including mingling with some film stars, and a few inspiring tips to consider for your observance of this important holiday. Here are the opportunities I’ll mention in this blog. Star-Studded Global Watch Party at 10 am PT Free Ebook April 18-22, 2025 Only Money-Saving Sustainability Tip Have You Ever Gone a Week Without a Car? A Day? Kids, Animals, Conservation, Food & Health, Lifestyle Notes and the Power of Gratitude Fun and Informative Green Tips And here are the details on each. Star-Studded Global Watch Party at 10 am PT Join a star-studded global watch party and Q&A featuring Jason Momoa, Rosario Dawson, Ian Somerholder, Woody Harrelson and more to celebrate the free global streaming of the Common Ground film (in multiple languages) on Amazon Prime. Go to CommonGroundFilm.org to register now. Host your own screening party. The live Q&A will be at 10 AM PT. You can learn more about how soil is the solution in my interview with the producers/directors of the Common Ground film, Josh and Rebecca Tickell. Free Ebook April 18-22, 2025, Only The Power of 8 Billion: It's Up to Us ebook is free (in the U.S.) April 18-22, 2025. (Thank you for taking the ebook to #1 on the Environmental Economics vertical on Amazon.) Learn how tapping into the Power of 8 Billion People leading greener lives is the solution for healing our planet. The Power of 8 Billion presents inspiring stories of individuals, organizations and metropolises around the world who are coming together to replant rainforests, sequester carbon, reduce their own CO2 footprint, power the grid with renewables, promote micro mobility and mass transportation solutions, eliminate plastic and single use, draw down CO2 and so much more. It also educates us on how oil and plastic touch almost every aspect of our lives (and how to change that), as well as why there is no excuse for single use.
Money-Saving Sustainability Tip: Did you know that you can save thousands annually with smarter energy choices? Learn more in The Power of 8 Billion: It's Up to Us. The ebook is free (in the U.S.) April 18-22, 2025. Have You Ever Gone a Week Without a Car? A Day? We had many sustainable moments at the 2025 Restormel Royal Manor House Retreat. For many attendees, this was the first time they'd gone an entire week without driving. H.M. Queen Diambi joined us and was hosted at Project Eden and Nansladen. The private Restormel estate is rich in pristine air, trees, meadows, forest bathing, walking paths, history and so much more. Join us in 2027! Click on the blue-highlighted words to access additional information and videos of the magic and impact that the 2025 retreat offered. Kids, Animals, Conservation, Food & Health, Lifestyle Notes and the Power of Gratitude How Will You Celebrate Earth Day? Are you looking for something fun and meaningful to do on Earth Day? There are lots of great tips in our 5-part docuseries at EarthGratitude.org. Whether you want to learn more about Eco Kids, Animals, Conservation, Health, Everyday Sustainability, or Why an Attitude of Gratitude is key, you'll find inspiring stories and organizations to support. Share your fun and tag us on Instagram with the hashtag #EarthGratitude.
Fun and Informative Green Tips Below are some of the fun and informative green tips that you’ll discover in The Power of 8 Billion, in the Common Ground global streaming party and in the 5-part docuseries at EarthGratitude.org. Email [email protected] if there’s a particular area that you have interest in. Chances are we can send you some resources to help you on your journey to living a life that is in greater harmony with the home planet that nourishes and sustains us. There are free clean living ebooks on EarthGratitude.org. · Save thousands annually in your budget · Discover organizations that help set up and fund student and community gardens · Learn how much healthier walking and biking are instead of driving, and how to make your community safe for shared roads · Energy tips for non-homeowners · Sustainability for kids and teens · How nature is great for our physical and emotional health · We are the change our planet needs to heal · The most eco-friendly schools in the world · Composting. Are you aware that 60% of food waste goes to landfills, that 24% of landfills is food waste, and that rotting leftovers create methane – one of the worst polluting gases? Many cities now offer composting in the green yard waste bin. If yours doesn’t, why not? Get your city officials on the ball. · Are you aware that plastic is everywhere in our lives, from what we eat on to even what we wear every day? · Did you know that one of the best solutions for climate anxiety is climate action. When we know that every footprint we are making is in greater harmony with our home planet, we can then be a shining light and example and wisdom carrier for others. There is great power in 8 billion people leading green lives. That is the exact shift that our planet needs to continue to sustain and nourish us. (The planet will continue; it is our ability to exist that is threatened.) Bottom Line “Yesterday I was clever, so I wanted to change the world. Today I am wise, so I am changing myself.” Rumi  David Wilson, the former Home Farm manager of The 24th Duke of Cornwall educating Natalie Pace on organic and regenerative farming practices. Join us at our online Spring Financial Freedom Retreat April 25-27, 2025 (online) where you'll learn why ESG investing is missing the E and how to green your money. The following Saturday on May 3, 2025, at our Stock Masterclass, learn the strategies that earned me the ranking of #1 stock picker. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just nine rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Your friends and family can get the best price for the April 25-27, 2025 Retreat when they register together. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as Nvidia, artificial intelligence, and quantum computing, * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. You'll even discover how to save thousands annually with smarter big-ticket choices. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Join us for our Online Spring Financial Freedom Retreat April 25-27, 2025. Email [email protected] or call 310-430-2397 to learn more. Register with friends and family to receive the best price. Click for testimonials, pricing, hours & details.  Join us for our Restormel Royal Immersive Adventure Retreat. March 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and eight private, prosperity coaching sessions. There are only 9 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 70% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Will the Correction Become a Bear Market? 21st Century Recessions Look More Like Depressions. Will Oil Prices Sink or Soar? Executives are Uncertain. Health Savings Accounts. Save Thousands. Get a Tax Credit. Provide for Tomorrow's Healthcare Needs. Restormel Manor House 2025. A Truly Royal and Magical Adventure. 9 Ways to Cut Your Tax Bill in Half and Save Thousands Annually. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? The Cleanest Cities in the World. Can Altadena, Pacific Palisades and Gaza Become Edens? Rebuilding Gaza. American Companies Will Benefit. Top Dividend/Income Strategies for 2025. 2025 Crystal Ball: Who Will be the Superstars of Wall Street? Gold & Crypto IRAs and the Risk of Fraud and Losses. 10 Rules of Successful Investing. Quantum Computing. Paper Losses. Another Warning About Long-Term Bonds! 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Apple iPhone Sales Plunge in China. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Charitable Giving. Nonprofits that are Worthy of Supporting. The DJIA Plunged 1100 Points After the Dec. 2024 FOMC Meeting. Why Are So Many Safe Investments Losing Money? A Bargain-Priced AI Company. Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Black Friday and Cyber Monday Sweepstakes. Robo Investing and AI. No, They are Not Foolproof. Stocks Soar as Nvidia Joins the DJIA. Copper. Peru ETF Outperforms the S&P500. 4 Ways to Celebrate World Sustainability Day, Oct. 30, 2024. Will There be a Santa Rally or will the Election Ruin Everything? Will Insurance Companies & Homeowners Weather the Hurricanes? 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Arkansas Sues Temu for Data Theft. We Must Be the Boss of Our Money. Why? Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Can Crowdstrike Recover from its Colossal Catastrophe? Featuring a Cybersecurity Overview. Fintechs and Brokerages that Fail are Not FDIC-Insured. 5 Green Tips for Clean Beaches Week. So, You Think You Want to Be a B&B Owner... Retiring Soon? Start Planning Now. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. May is National Bike Month. Paris and Amsterdam are the Stars. Vacations that Color Our World Forever. 9 Inflation, Budgeting, Debt Reduction and Investing Solutions. China & Russia Double Their Gold Holdings. 2024 Investment of the Year? Bitcoin Sets a New Record High. The Importance of Rebalancing. Uh. Oh. More Bank Trouble. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. The Best ROI* (Almost 40%!) & 7 Life Hacks That Save Thousands. WeWork's Bankruptcy. Half-Empty Office Buildings. Problems in our Personal Wealth Plan. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. China Bans Apple 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Bank of America has $100 Billion in Bond Losses (on Paper) Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Why We Are Underweighting Banks and the Financial Industry. Save Thousands Annually With Smarter Energy Choices Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? My 24-Year-Old is Itching to Buy a Condo. Should I Help Him? The Bank Bail-in Plan on Your Dime. Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.  Will the Correction Become a Bear? The S&P500 is down -12.8% from the all-time high set on Feb. 19, 2025, as of April 11, 2025. Just a few days before, on April 8, 2025, the index closed 1% above the official point of a Bear Market. The correction (-10%) will become a bear market (-20%) if the S&P500 closes at 4,915.32. Will stocks rally again? What are the economic challenges that lie ahead? Can an emergency interest rate cut put everything back on track? What's the best wealth strategy for 2025? Check out my free videoconference at YouTube.com/NataliePace. Here are the things I’ll cover in this blog. Is a Recession or Bear Market in the Cards for 2025? VIX: 41 Pretty High. Oil is Below Break Even The Magnificent 7 Becomes the Fantastic, but Expensive, 5 Will Stocks Rally Again? Emergency Interest Rate Cut? Best Wealth Strategy for 2025? And here is more information on each point. Is a Recession or Bear Market in the Cards for 2025? Economists have been increasing the odds of a recession. JP Morgan‘s puts the odds of a recession in 2025 at 60%. Just two weeks ago, the Federal Reserve Board’s Summary of Economic Projections had the U.S. GDP growing by 1.7% in 2025. That was lower than their December projection. Since then, Jerome Powell has indicated that the impact of the tariffs is “significantly larger than expected.” In a speech on April 4, 2025, he said that the economic effects will include higher inflation and slower growth. While nothing is guaranteed, the odds of a recession occurring have certainly increased. The important thing to remember is that if we wait for the headlines, we’ll always be late. It’s important to adopt an age-appropriate, properly diversified wealth plan as early as possible. (Last year, we were warning everyone to fix the roof while the sun is still shining.) VIX: 41 Pretty High. The CBOE market volatility index, commonly known as VIX, closed at 41 on Friday, April 11, 2025. That’s pretty high. This fear gauge soared to 85 in March 2020, during the pandemic. There is a strong correlation between market plunges and investor fear. Between February 19 and March 23, 2020, the S&P 500 sank as much as 38% in just one month’s time. Oil is Below Break Even “Drill Baby Drill” has been a mantra in the current Administration, as they seek to lower oil and gas prices. However, as I indicated in my Oil blog of March 31, 2025, oil executives could go into the red if they drill new wells with oil prices under $70 a barrel. Prices were at $60 a barrel on April 10, 2025. If prices remain this low, the next quarterly earnings reports for the industry will be disappointing for investors, with revenue down and net losses instead of profits. While lower gasoline and oil prices are great for the owners of ICE (Internal Combustion Engine) vehicles, it’s not great for their 401(k) or stock portfolio, as oil companies will have to layoff personnel and cut back on production with prices where they currently are. Between now and when the 2nd quarter earnings are announced in July, investors could experience losses, unless oil prices rally soon. The Magnificent 7 Becomes the Fantastic, but Expensive, 5 Recently, one of my coaching clients asked me if they would have lost money if they had invested in the Magnificent 7. Even with the Magnificent 7 leading the stock market plunge over the last month and a half, those seven companies are still performing impressively over the 2 1/2 year period. Even with the current pull back, gains on the Magnificent 7 companies since January 2023 range from a low of 47% to a high of 637%.  As you can see in the Magnificent 7 Stock Report Card below, most of these companies are experiencing robust year-over-year sales growth, with notable profit margins. The exceptions are Apple and Tesla, which had very tepid annual sales growth and face fierce competition, particularly in the Chinese market.  The spectacular performance of technology stocks is one of the reasons why we need a diversified wealth plan that includes a large cap growth fund, and potentially an additional hot slice of technology. This is something we go over in detail during our Financial Freedom Retreat. The next one is April 25-27, 2025, online (in the comfort of your own living room). Email [email protected] for pricing and information. Will Stocks Rally Again? Corrections and bear markets can have mini rallies in them. However, those relief rallies can be a temporary blip in the overall downward trend. Bear market rallies can be bear traps. On April 8, the S&P 500 was flirting with a bear market, closing just 1% above that milestone. The following day, on April 9, 2025, stocks enjoyed a massive rally, the best the S&P500 had seen since 2008. However, the gains didn’t hold. On April 10, 2025, the market dropped again. We’re still down -12.8% from the February high. When the economy slows down (as it currently is doing) and when we have recessions (the probability of this has increased over the past two weeks), stocks drop. The drop can be more problematic if stocks were very expensive, as is currently the case. However, it is rarely a “crash.” It is, rather, a series of unfortunate events. In the Financial Crisis and Great Recession, we saw the Bear Stearns crisis, followed by the Lehman Bros. liquidation, only to experience the bankruptcies of General Motors and Crysler, followed by the cities of Detroit, Stockton and others declaring bankruptcy. In between those events, we saw relief rallies that were quickly erased by another horrible event. A similar trend played out in the Dot Com Recession before that, when the cash-negative Dot Coms lead the bankruptcy trend, but were followed by the telecom industry and Enron. Hoping for some kind of relief such as we saw in the pandemic is likely to be a fool’s journey. We just can’t print up trillions of dollars every time we get into trouble, especially as we are now on a path that is economists agree is unsustainable. Recessions and bear markets are a normal occurrence in the business cycle. When financial engineering prevents them from happening (as occurred in the Great Recession) worse things build up (like inflation and stagflation).  Emergency Interest Rate Cut? When unemployment rises, the Federal Reserve Board will typically respond by cutting interest rates. Sadly, many economists are now predicting a period of stagflation, where the economy contracts and unemployment rises, but inflation remains persistent. As Jerome Powell explained in his April 4, 2025, speech, tariffs are likely to stoke inflation, and that complicates the equation. Interest rates must remain restrictive in order to get inflation down. (Drop down the rabbit hole on Paul Volcker and the 20% interest rate of June 1981 for a lesson on fighting stagflation.) In the March 18-19, 2025, meeting, the FOMC participants projected a couple of rate cuts this year, from the current 4.25-4.50, down to 3.9%. The market expects the Feds to pause (keep rates where they are) at their May 7, 2025, FOMC meeting. We’ll get the next Summary of Projections at the June 18, 2025, FOMC meeting. Best Wealth Strategy for 2025? We are currently overweighting safe in our sample pie charts due to the heightened risk of a recession. (By comparison, in 2021, when we were predicted to have a gangbuster recovery, we were encouraging everybody to act their age and potentially take on a little more risk.) Acting our age and having a properly diversified wealth plan protects our wealth in recessions. That is how Nilo Bolden earned gains in the Great Recession, while most everyone around her lost more than half of their wealth.  A solid financial plan protects us from losses while also allowing us to participate in bull markets. As we get closer to retirement, we cannot afford to lose half of our wealth; we must cut back on the amount that we have at risk. So, the first step of a solid wealth plan in 2025 is to make sure that we have an age-appropriate, properly diversified plan that is potentially overweighted an additional 10-20% safe. (Email [email protected] if you’d like pricing and information on receiving an unbiased 2nd opinion from me personally.)   Another challenge in 2025 is that we are live in a Debt World. There is heightened credit and duration risk on the fixed income side of our wealth plan. That’s typically where most of us are expecting to preserve our principal and keep our money, while earning some income. However, many managed plans are experiencing paper losses, which are a lot more problematic than we are being told. Bottom Line We must be the boss of our money. We cannot simply have blind faith that someone else is protecting our future for us. You can read about our time-proven strategies in The ABCs of Money 6th edition. You can learn and implement them at our Financial Freedom Retreat. Or you can contact [email protected] for an unbiased 2nd opinion, where you will learn exactly what you own, which assets are risky, which you have too much of, which you don’t have enough of, and a blueprint of a much better strategy. Again, our easy-as-a-pie-chart nest egg strategies earned gains in the Dot Com and Great Recessions and have performed the bull markets in between. It’s easy to make money in a bull market – and we’ve been in a secular bull market since 2009. It’s easy to lose a boatload of money in bear markets. That is why it’s important to adopt a time-proven strategy early in the correction. If we wait for the headlines that we’re in a recession, we could be closer to the bottom, having lost 40% or more of our wealth. At that time, all we can do is hope and pray to recover from our losses. It took 15 years for Dot Com investors to recover. Join us at our online Spring Financial Freedom Retreat April 25-27, 2025 (online) and our Stock Masterclass (learn the strategies that earned me the ranking of #1 stock picker) on May 3, 2025. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just nine rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Your friends and family can get the best price for the April 25-27, 2025 Retreat when they register together. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as Nvidia, artificial intelligence, and quantum computing, * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. You'll even discover how to save thousands annually with smarter big-ticket choices. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Join us for our Online Spring Financial Freedom Retreat April 25-27, 2025. Email [email protected] or call 310-430-2397 to learn more. Register with friends and family to receive the best price. Click for testimonials, pricing, hours & details.  Join us for our Restormel Royal Immersive Adventure Retreat. March 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and eight private, prosperity coaching sessions. There are only 9 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 70% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify.
Watch videoconferences and webinars on Youtube. Other Blogs of Interest 21st Century Recessions Look More Like Depressions. Will Oil Prices Sink or Soar? Executives are Uncertain. Health Savings Accounts. Save Thousands. Get a Tax Credit. Provide for Tomorrow's Healthcare Needs. Restormel Manor House 2025. A Truly Royal and Magical Adventure. 9 Ways to Cut Your Tax Bill in Half and Save Thousands Annually. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? The Cleanest Cities in the World. Can Altadena, Pacific Palisades and Gaza Become Edens? Rebuilding Gaza. American Companies Will Benefit. Top Dividend/Income Strategies for 2025. 2025 Crystal Ball: Who Will be the Superstars of Wall Street? Gold & Crypto IRAs and the Risk of Fraud and Losses. 10 Rules of Successful Investing. Quantum Computing. Paper Losses. Another Warning About Long-Term Bonds! 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Apple iPhone Sales Plunge in China. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Charitable Giving. Nonprofits that are Worthy of Supporting. The DJIA Plunged 1100 Points After the Dec. 2024 FOMC Meeting. Why Are So Many Safe Investments Losing Money? A Bargain-Priced AI Company. Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Black Friday and Cyber Monday Sweepstakes. Robo Investing and AI. No, They are Not Foolproof. Stocks Soar as Nvidia Joins the DJIA. Copper. Peru ETF Outperforms the S&P500. 4 Ways to Celebrate World Sustainability Day, Oct. 30, 2024. Will There be a Santa Rally or will the Election Ruin Everything? Will Insurance Companies & Homeowners Weather the Hurricanes? 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Arkansas Sues Temu for Data Theft. We Must Be the Boss of Our Money. Why? Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Can Crowdstrike Recover from its Colossal Catastrophe? Featuring a Cybersecurity Overview. Fintechs and Brokerages that Fail are Not FDIC-Insured. 5 Green Tips for Clean Beaches Week. So, You Think You Want to Be a B&B Owner... Retiring Soon? Start Planning Now. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. May is National Bike Month. Paris and Amsterdam are the Stars. Vacations that Color Our World Forever. 9 Inflation, Budgeting, Debt Reduction and Investing Solutions. China & Russia Double Their Gold Holdings. 2024 Investment of the Year? Bitcoin Sets a New Record High. The Importance of Rebalancing. Uh. Oh. More Bank Trouble. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. The Best ROI* (Almost 40%!) & 7 Life Hacks That Save Thousands. WeWork's Bankruptcy. Half-Empty Office Buildings. Problems in our Personal Wealth Plan. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. China Bans Apple 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Bank of America has $100 Billion in Bond Losses (on Paper) Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Why We Are Underweighting Banks and the Financial Industry. Save Thousands Annually With Smarter Energy Choices Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? My 24-Year-Old is Itching to Buy a Condo. Should I Help Him? The Bank Bail-in Plan on Your Dime. Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument.  Correction: 21st Century Recessions Look More Like Depressions (Unless You Incorporate a Time-Proven Strategy). With the S&P 500 down -17.7% from its February 19, 2025, highs – an official correction and almost a Bear Market – it’s a good idea for all of us to take a few lessons from history to determine our best path forward. Should we sit on our hands and wait, under the assumption that Buy and Hope is the best strategy? Is now the time to learn what an age-appropriate, properly diversified plan looks like? Are we able to do that easily? Is it too complicated? Is there a plan that actually works? Here are the topics we will cover in this blog. The Pandemic Recession of 2020 The Great Recession of 2008 The Dot Com Recession Buy and Hope? An Age-Appropriate Properly Diversified Plan And here is more information on each topic. The Pandemic Recession of 2020 Between February 19 and March 23, 2020, the S&P 500 dropped about -38% (in just one month!). That ended up being the shortest recession in history. However, it was because the U.S. printed up $4.2 trillion in cash and handed it out like candy to every adult with a pulse.  While the cash infusion averted a Great Depression, which was the case the world leaders made for printing up this unprecedented amount of capital, it did usher in a downgrade to the United States sovereign credit rating from AAA to AA+ by Fitch Ratings. Debt has continued to creep up since that time. The most recent reading shows total public debt outstanding of $36.2 trillion (source: Treasury.gov). The total debt and loans in the US are at $102.2 trillion, according to the Federal Reserve Bank of St. Louis. Credit and duration risks are elevated in the United States, which is why many people are suffering paper losses in their fixed income portfolios, where our wealth is supposed to be safe from losses. Earning a safe yield without losing principle is tricky in today’s Debt World. That is why we spend one full day educating our attendees on “What’s Safe” at our Financial Freedom Retreat. We also host a Bond and Fixed Income Master Class every year. The Great Recession of 2008 Between the October highs of 2007 and the March 3, 2009, low, the Dow Jones Industrial Average dropped -55%. It took about six years to crawl back to even. Lehman Brothers investors never recovered. If you wait for the official announcement of the recession, you're closer to the bottom than the top. Headlines are always late.  For the millions of Americans that were in trouble with one or more homes that were severely underwater, the recovery took much longer. Over 20 million homes were foreclosed on during the period before and after the Great Recession.  The Dot Com Recession The Dot Com Recession was one of the most devastating in history. It was also a period when equities were more elevated than any other time.  As you can see in the CAPE Ratio chart above, prior to the current market correction, stock prices were almost as expensive as they were in the Great Depression – second only to the Dot Com era highs. It took the NASDAQ Composite Index 15 years to crawl back to the March 2000 highs of over 5000. Between March 2000 and October 2002, the NASDAQ composite index lost -78%.  Buy and Hope? Buy & Hope is a plan that worked in the 20th century. However, in the 21st century, when recessions can drop so far so fast and take so long to recover, Buy & Hold wipes out our wealth. Suicide rates rise during troubled times. As we get closer to retirement, we simply cannot afford to lose half of our wealth. When we are young, losing half of our assets could cost us our home, make us borrow on credit cards at high interest rates, plunge us into a serious financial crisis, wipe out our FICO score, and make us vulnerable to financial predators, including high fees and usury interest rates. An Age-Appropriate Properly Diversified Plan Our age-appropriate properly diversified sample plan was overweighted 20% safe in December 2007. That is how Bill and Nilo Bolden earned gains when most people lost more than half of their wealth.  Keeping a percentage equal to our age safe and overweighting safe in trouble times means that we have less to lose. Our wealth is protected from Wall Street’s volatility. At the same time, our sample pie charts also include hot slices and diversified exposure to size and style funds and companies. Without the support of the Magnificent 7 in 2023 and 2024, our gains would’ve been half of the S&P 500 returns. This cohort of trillion-dollar technology companies doubled in share price in 2023. Having an extra hot slice of technology, or hedges like gold and crypto, can add performance to our portfolio, especially when we are rebalancing and capturing gains 1-3 times a year. "Many people, including educated men and women, often get into trouble when they neglect to follow simple and fundamental rules of the type provided [by Natalie]. This is why I recommend them with enthusiasm." Professor Gary S. Becker. Dr. Becker won the 1992 Nobel Prize in economics for his theories on human capital "College students need this information before they get their first credit card. Young adults need it before they buy their first home. Empty nesters can use the information to downsize to a sustainable lifestyle, before they get into trouble." Joe Moglia, former Chairman & CEO, TD AMERITRADE. Bottom Line The sooner we adopt an age-appropriate properly diversified plan that we rebalance 1-3 times a year, the faster our lives transform. While this correction may not be as severe as other 21st-century recessions have been, it’s always a good idea to have a time-proven plan in place, rather than hoping and waiting. If the markets go up, we’ll earn gains and potentially outperform in our hot slices. If the stock slide continues, we will have protected a great deal of our wealth. All of this is as easy as a pie chart – less time, money and stress than Buy & Hope costs. Join us at our online Spring Financial Freedom Retreat April 25-27, 2025 (online) and our Stock Masterclass (learn the strategies that earned me the ranking of #1 stock picker) on May 3, 2025. If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 12-19, 2027. (With just nine rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Your friends and family can get the best price for the April 25-27, 2025 Retreat when they register together. Request testimonials at [email protected]. You can also view some on the flyer page of the retreat. Learn how to: * Invest in hot industries, such as Nvidia, artificial intelligence, and quantum computing, * Hedge against a weaker dollar, * Invest and compound your gains, * Green your retirement plan, * Easy and efficacious nest egg strategies, * Get hot and diversified (including in artificial intelligence, quantum computing and crypto), * Evaluate stocks, * Avoid capital gains and financial predators, * Keep an age-appropriate amount safe, and, * Know what's safe in a Debt World. You'll even discover how to save thousands annually with smarter big-ticket choices. Yes, it's a complete money makeover. Email [email protected] or call 310-430-2397 to learn more and register. Learn the 15+ things you'll master and read testimonials in the flyer on the home page at NataliePace.com. Register with friends and family to receive the best price. "Ten minutes into the first day I was already much smarter about investing than I ever thought I would be in my life and I knew I was in exactly the right place at this retreat. I am amazed at how EASY and FUN it is to make my money work for me and those I love. I think this kind of information should be compulsory in schools. I wish I'd learned this sooner." CM If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.  Join us for our Online Spring Financial Freedom Retreat April 25-27, 2025. Email [email protected] or call 310-430-2397 to learn more. Register with friends and family to receive the best price. Click for testimonials, pricing, hours & details.  Join us for our Restormel Royal Immersive Adventure Retreat. March 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and eight private, prosperity coaching sessions. There are only 9 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 70% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Will Oil Prices Sink or Soar? Executives are Uncertain. Health Savings Accounts. Save Thousands. Get a Tax Credit. Provide for Tomorrow's Healthcare Needs. Restormel Manor House 2025. A Truly Royal and Magical Adventure. 9 Ways to Cut Your Tax Bill in Half and Save Thousands Annually. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? The Cleanest Cities in the World. Can Altadena, Pacific Palisades and Gaza Become Edens? Rebuilding Gaza. American Companies Will Benefit. Top Dividend/Income Strategies for 2025. 2025 Crystal Ball: Who Will be the Superstars of Wall Street? Gold & Crypto IRAs and the Risk of Fraud and Losses. 10 Rules of Successful Investing. Quantum Computing. Paper Losses. Another Warning About Long-Term Bonds! 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Apple iPhone Sales Plunge in China. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Charitable Giving. Nonprofits that are Worthy of Supporting. The DJIA Plunged 1100 Points After the Dec. 2024 FOMC Meeting. Why Are So Many Safe Investments Losing Money? A Bargain-Priced AI Company. Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Black Friday and Cyber Monday Sweepstakes. Robo Investing and AI. No, They are Not Foolproof. Stocks Soar as Nvidia Joins the DJIA. Copper. Peru ETF Outperforms the S&P500. 4 Ways to Celebrate World Sustainability Day, Oct. 30, 2024. Will There be a Santa Rally or will the Election Ruin Everything? Will Insurance Companies & Homeowners Weather the Hurricanes? 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Arkansas Sues Temu for Data Theft. We Must Be the Boss of Our Money. Why? Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps. Can Crowdstrike Recover from its Colossal Catastrophe? Featuring a Cybersecurity Overview. Fintechs and Brokerages that Fail are Not FDIC-Insured. 5 Green Tips for Clean Beaches Week. So, You Think You Want to Be a B&B Owner... Retiring Soon? Start Planning Now. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. May is National Bike Month. Paris and Amsterdam are the Stars. Vacations that Color Our World Forever. 9 Inflation, Budgeting, Debt Reduction and Investing Solutions. China & Russia Double Their Gold Holdings. 2024 Investment of the Year? Bitcoin Sets a New Record High. The Importance of Rebalancing. Uh. Oh. More Bank Trouble. Housing. Unaffordable. What Works? Case studies and creative solutions. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. The Best ROI* (Almost 40%!) & 7 Life Hacks That Save Thousands. WeWork's Bankruptcy. Half-Empty Office Buildings. Problems in our Personal Wealth Plan. 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. China Bans Apple 11-Point Green Checklist for Schools. 10 Wealth Secrets of Billionaires and Royals. Bank of America has $100 Billion in Bond Losses (on Paper) Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Why We Are Underweighting Banks and the Financial Industry. Save Thousands Annually With Smarter Energy Choices Is Your FDIC-Insured Cash Really Safe? Money Market Funds, FDIC, SIPC: Are Any of Them Safe? My 24-Year-Old is Itching to Buy a Condo. Should I Help Him? The Bank Bail-in Plan on Your Dime. Important Disclaimers Please note: Natalie Pace does not act or operate like a broker. She reports on financial news, and is one of the most trusted sources of financial literacy, education and forensic analysis in the world. Natalie Pace educates and informs individual investors to give investors a competitive edge in their personal decision-making. Any publicly-traded companies, funds or projects mentioned by Natalie Pace are not intended to be buy or sell recommendations. ALWAYS do your research and consult an experienced, reputable financial professional before buying or selling any security, and consider your long-term goals and strategies. Investors should NOT be all in on any asset class or individual stocks. Your retirement plan should reflect an age-appropriate, diversified wealth plan, which has been designed strategically, with the assistance of financial professionals who are familiar with your goals, risk tolerance, tax needs and more. The "trading" portion of your portfolio should be a very small part of your investment strategy, and the amount of money you invest into individual companies should never be greater than your experience, wisdom, knowledge, patience and diversified strategy. Information has been obtained from sources believed to be reliable. However, NataliePace.com does not warrant its completeness or accuracy. Opinions constitute our judgment as of the date of this publication and are subject to change without notice. This material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. |
AuthorNatalie Pace is the co-creator of the Earth Gratitude Project and the author of The Power of 8 Billion: It's Up to Us, The ABCs of Money, The ABCs of Money for College, The Gratitude Game and Put Your Money Where Your Heart Is. She is a repeat guest & speaker on national news shows and stages. She has been ranked the No. 1 stock picker, above over 830 A-list pundits, by an independent tracking agency, and has been saving homes and nest eggs since 1999. Archives
April 2025
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