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SpaceX IPO Soars. Should You Take Flight, Too?

22/5/2026

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SpaceX IPO Soars. Should You Take Flight, Too?
You know you want to…
“Never bet against Elon Musk,” Peter Thiel, billionaire investor (Palantir) and Paypal co-founder.

“Investing is easy. It’s just a case of what and when.“ Kelley Wright, publisher of Investment Quality Trends.

Be sure to watch my videoconference on YouTube.com/NataliePace and listen to my podcast on NataliePace.Substack.com.

The SpaceX IPO will become publicly traded on the NASDAQ Stock Exchange on or about June 12, 2026, with the ticker symbol SPCX. You know you want to buy it. It is likely that the world will see its 1st trillionaire crowned on the 1st day of trading (Elon Musk), if the IPO comes in at $1.6 trillion or higher, and stays there.

However, as Wall Street pros remind us, price matters. So, should you buy now or put the company on your stock shopping list? Will the Wall Street insiders who have been investing in SpaceX for half a century use the IPO to sell high and turn their paper profits into hard cash at retail investors' expense?

I have been receiving inquiries and emails from our subscribers for months, with links to YouTube gurus and social media stars who are weighing in on whether you should invest. The S-1 filing was only released late Wednesday night (May 20, 2026). Any guru who was espousing a strategy prior to looking at the S-1 filing was really flying by the seat of their pants – or using the interest in the IPO to line their own wallets. (Many sell a newsletter subscription and sometimes a scam. The “research” that people forwarded to me have very poor customer reviews. Grade your guru before you read or listen to anything.)

Let’s dive into the data to see what the numbers tell us about this opportunity.

Here are the topics I’ll cover in this blog.

The Elon Musk Premium
The Qualities of a Successful IPO
A Deeper Dive into the Board and Management
The Opportunities and Challenges of Space Exploration
The Opportunities and Challenges of Starlink
The Opportunities and Challenges of AI
Valuation
Macro Considerations
Should You Buy Now?
And here is more information on each topic.

The Elon Musk Premium
Whether you are pro or against SpaceX’s founder, CEO and CTO Elon Musk, the man attracts investors. Tesla is worth $1.6 trillion. SpaceX has had some notable, game-changing achievements in space exploration, broadband and AI. Musk knows how to build and run companies and attract the venture capital to keep them going through a lengthy cash burn period, which is what SpaceX is still in. Tesla posted net losses for 17 years before its first cash-positive year in 2020. SpaceX has been unprofitable every year since its founding in 2002, except for 2024, with cumulative losses of $41.3 billion. In the first three months of 2026, SpaceX’s net loss (-$4.3 billion) was almost as much as the losses in all of 2025 (-$4.9 billion).

SpaceX is aiming for a $1.75-$2.0 trillion IPO. The investor roadshow will launch on June 8, 2026, with the share price to be set on June 11, before the first day of public trading on June 12, 2026. A lot can happen during the investor roadshow. I’ll keep you updated in the comments section of this blog. While the long-term expectations for SpaceX are interstellar, many analysts are skeptical at valuing the company at $1.75-$2.0 trillion.

The Qualities of a Successful IPO
In 2004, I went on the Forbes on Fox television show and picked Google before the IPO. At the time many analysts were poohpoohing Google for many reasons, including the fact that there had been an entire Dot Com meltdown between 2000 and 2003.

I used the metrics below as part of my analysis to pick Google. If you’d like to see how that analysis works with Alphabet Inc. (Google), read the “Hitch Your Wagon to a Star” chapter of Put Your Money Where Your Heart Is. Incidentally, I used General Motors as an example of a company that would likely go bankrupt, giving it a D-. The book was written in 2007. General Motors did indeed declare bankruptcy in early 2009. That’s how auspicious reading the crystal ball of data can be.

Chart by Natalie Pace. NataliePace.com

So how does SpaceX measure up using these metrics?

SpaceX has outstanding products. Starlink is profitable. The space and artificial intelligence verticals, while producing breakthrough products with first mover advantage, are burning through cash, with AI accounting for a loss from operations of -$2.5 billion in the first quarter of 2026. Other costs and expenses include -$662 million (space), interest expense (-$664 million) and “other expense” (-$1.9 billion), much of which could be linked to the Xai acquisition. We’ll discuss SpaceX’s path to profitability in these segments in greater detail below.
The revenue growth was 15.4% in the 1st quarter of 2026. That’s positive, but not noteworthy. The new agreement with Anthropic will bring $15 billion annually, once it is fully operational. That will usher in revenue growth of 80% over 2025, which is impressive.
As you can see above, SpaceX is a cash-burn business. The company has $15.9 billion cash on hand and needs a cash infusion (thus the IPO). The IPO has a target of $75 billion, with projections expected to land between $50-$80 billion. This gives SpaceX runway to achieve its ambitious goals, even if it continues to be cash negative for years to come.
Having so many Wall Street suits on the board and having operations at SpaceX cash negative for so long, combined with Wall Street’s Elon Musk value premium raises the risk that this IPO is a liquidity event for insiders to turn their paper profits into hard cash.

A Deeper Dive into the Board and Management
The management of SpaceX is very strong, having achieved SpaceX’s game changing recovery and reuse of orbital class boosters, rather than them being burned up or lost at sea after one use (costing hundreds of millions of dollars), as was the norm before the SpaceX innovation. This makes space travel more affordable than it has ever been. The CEO/CTO (Musk), president/COO and CFO are all experienced executives.

However, the SpaceX board is very overweighted with Wall Street whales. Five out of six of the non-management directors are finance professionals. That has a lot to do with keeping the company private for so long and having cash negative operations, which required SpaceX to keep borrowing money. While this is good for keeping a company alive and getting it to that cash breakeven point, other skill sets are necessary in the boardroom for running a $2 trillion company. Donald Harrison, Google’s president of global partnerships and corporate development is a great asset and is the only non-finance executive on the board.

When there are this many finance guys on the board of a company attempting its IPO, there is always the danger of the insiders jumping ship at the IPO liquidity event. That could tank the share price once it hits the big boards. We have seen this play out with a great deal of IPOs, including Snap Inc., Lyft, WeWork, Uber and more. (Click to access my warnings before the IPOs.)

The Opportunities and Challenges of Space Exploration
While the idea of making “life multiplanetary” is an exciting dream (for some), the universe is a cold, dark, lifeless place, especially compared to our vibrant, beautiful blue home planet. However, Low-Earth Orbit is being used for satellites for everything from Starlink, to weather and defense application. SpaceX is the clear winner with regard to innovation and reliability. Boeing is under intense scrutiny after its high-profile failure and abandonment of two astronauts on the Space Station in 2024. The astronauts were returned to Earth on a SpaceX ship in March of 2025. According to BryceTech and Ars Technica, SpaceX successfully delivered 86% of the world's total payload mass to orbit starting in 2024 with 82% to 84% share of all global mass to orbit through 2025 and early 2026.

Virgin Orbit filed for bankruptcy on April 4, 2023, after failing to complete a satellite launch in the U.K. (The company had carried payloads for NASA, the US Space Force, and various private companies before the failed launch that took the company into bankruptcy.)

The challenge of space shows up in the financials. It’s an expensive, often cash burn, business. SpaceX is counting on Starlink and eventually Cloud Services to be the steady money for the company.

The Opportunities and Challenges of Starlink
Starlink is where SpaceX is monetizing space exploration. SpaceX began beaming satellite highspeed broadband Internet to mobile phones in 2025. According to the S-1 filing, Starlink has 10.3 million subscribers in over 164 countries. Connectivity revenue grew by 49.8% in the 1st quarter of 2026 to $3.26 billion on a year over year basis. Income was $1.2 billion in the last quarter. There are clear advantages to having satellite internet for governments to eliminate wifi dead zones. According to the S-1 filing, Starlink’s unique capabilities are well‑suited for deployments across “field offices, remote worksites, research stations, drilling rigs, rural hospitals, aircraft, cruise ships, trains, and hotels.”

So, what could possibly go wrong with the connectivity cash cow of SpaceX? In addition to competition from China and Russia, it’s important to remember just how highly regulated the radio frequency spectrum is. (China and Russia are both launching their state-backed broadband constellations.) The S-1 filing outlines the risks, writing:

Our satellite connectivity… depend on access to radio frequency spectrum and authorizations from the FCC in the United States and telecommunications regulators in other countries. Without these licenses and approvals, we generally cannot offer connectivity services in a given market. Acquiring the necessary authorizations can be a complex and time-consuming process, often involving technical coordination, public-interest or national security reviews, and cross-border considerations, including in certain jurisdictions where regulatory processes may be influenced by protectionist policies or preferences. Spectrum access itself is limited and highly regulated.

It’s also getting quite crowded in low-Earth orbit. There is a risk of collisions with space debris, other satellites and even spaceships.

The Opportunities and Challenges of AI
AI pioneers have high expectations for what artificial intelligence can achieve – from understanding our universe to breakthroughs in everything from energy to medicine and beyond. SpaceX believes that their vertical integration can support AI infrastructure in space [which will] utilize the “virtually limitless power of the Sun.” SpaceX’s AI business (Grok and X) is investing in R&D and burning through cash, like all AI companies. However, they are starting to monetize and have a $15 billion annual revenue Cloud Services Agreement (once fully operational) with Anthropic. That would bring in more than five times the AI vertical’s revenue in 2025 of $3.2 billion. That’s the good news.

The challenges of AI are getting on a pathway to profitability, navigating government regulations, beating the competition, keeping your brand popular and potential liability claims for harms that might occur as a result of “harmful, misleading or illegal content, accuracy, misinformation and deepfakes, bias, discrimination, toxicity, sycophancy, AI deception, consumer protection and notification, products liability, intellectual property infringement or misappropriation, defamation, data privacy, cybersecurity, and sanctions and export controls,” (according to the SpaceX S-1 filing).

Powering AI is also a challenge, which SpaceX proposes to solve with low-Earth orbiting data centers. As noted in the SpaceX S-1 filing, “We expect Earth’s finite resources will not be able to sustain the immense computational demands of advanced AI models. Sustainably satisfying this compute demand will require space-based infrastructure that utilizes the ultimate fusion energy source: the Sun.” On Feb. 4, 2026, SpaceX filed regulatory paperwork with the FCC proposing the launch of up to 1 million satellites that will act as self-contained, solar-powered data centers in low-Earth orbit.

Valuation
A great deal of the independent 3rd-party analyst reports I’m reading are concerned about SpaceX’s lofty valuation. (There are many investment banks involved in the IPO. Those bank analysts are in a “quiet period” where they won’t be issuing any commentary.) One anonymous Wall Street insider sent me a text, writing, “When younger, we were required to learn about imaginary numbers in math class. This IPO analysis may be one of the few times such education had a real-world application. This is not to say this stock won’t go up. Imaginary numbers can rise, as one’s imagination is infinite. But what isn’t infinite is life span.”

Macro Considerations
While the long-term nature of space, security, internet, cloud and AI contracts could help keep SpaceX’s revenue stable in a recession, the expensive valuation could see the share price drop. Publicly traded space companies saw an average drop of -45% in 2008, during the Great Recession. While no recession is predicted in 2026 or 2027, it’s important to remember that economists are lousy at forecasting economic contractions. Even without a recession, we saw AI and technology stocks plummet in 2022, and again in April of 2025. Learn more in my “Capture Gains at an All-Time High” blog.

Data as of May 18, 2026

Should You Buy Now?
I will be monitoring the roadshow and the price and will update here in the comments of this blog. I will also see which of the funds might be including SpaceX, for investors to consider. (iShares TECB, XT and ARTY might include the company.)

Given the competing interests of insiders who have a lot of wealth who would like to sell and retail investors who are very interested in owning, the first day of trading will likely be volatile. Whales tend to make a big splash when they sell, so, be cautious. It might be a good idea to wait for the waves to calm a bit. When I think a price is too high, I put the company on a Stock Shopping List. That way I’m ready to go if the price plunges.

Most Main Street investors will have an easier time owning hot companies in a targeted ETF to reduce volatility and risk. Investing in any individual company requires a great deal of wisdom, research and babysitting. If we do invest, it’s a good idea to consider it our Vegas money. If we buy high in a great company, that can be an investment that loses money.

Bottom Line
SpaceX’s business model is sound. Its innovations are extraordinary. Elon Musk is a proven executive who’s probably going to be the world‘s first trillionaire in a few weeks. However, even though it’s a good idea to own SpaceX in our portfolio ultimately, owning it when it hits the big boards could be a very expensive lesson in what happens when insiders use IPOs as a liquidity event to turn their paper profits into cash.

Should a company with $18.7 billion in revenue and a loss of -$4.94 billion in 2025 be worth $2 trillion? In the short-term, Wall Street prices can be a popularity contest, which SpaceX can easily win. In the mid- and long-term, however, valuation does matter. Buying high, at a 50X forward revenue multiple, is rarely a great idea, even if the company is one of the most valuable enterprises in the world.

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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 The ABCs of Money for College 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.

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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.

3 Comments

Capture Gains at an All-Time High. Rebalance.

17/5/2026

5 Comments

Capture Gains at an All-Time High. Rebalance.

Stocks just hit another all-time high on Thursday, May 14, 2026. Everything seems to be coming up roses despite the significant amount of economic uncertainty in the world. Many analysts are expecting the S&P 500 to rise to 7,600 – 8,100 this year. The index is already up 9.6% year to date.

At the same time, 2026 is a mid-term year in the election cycle. We have seen stocks drop in the last two mid-term election years of 2022 and 2018, with losses of -19.44% and -6.24%, respectively. Gemini notes that there is a 70% chance of a correction in 2026, based upon the mid-term trend. So, we must be mindful that there is a risk that the stock market could weaken.

Rather than hoping that our superstars keep lighting up the sky, why not capture some gains at an all-time high? It’s never a question of all or nothing but rather making sure that we have an age-appropriate, properly diversified plan every year. This keeps our wealth growing instead of just riding a Wall Street rollercoaster. Fortunately, that can be done in one, easy, well-designed plan – something I write about in my bestselling book The ABCs of Money, 6th edition, teach at our online Financial Freedom Retreats and masterclasses and offer private coaching and an unbiased 2nd opinion on. Email [email protected] to learn more.

Here are the things I will cover in this blog.

Stocks are at an All-Time High
Rebalance and Employ a ‘Capture Gains’ Mindset
An Age-Appropriate, Properly Diversified Plan
Tax-Protected Retirement Accounts
Hot Industries
Underweight Excessive Debt, Leverage and Poor Credit Quality
Review the 15 Wealth Rules of the Rich
Sounds Complicated? It’s as Easy as a Pie Chart!

And here is additional information on each point

Stocks are at an All-Time High
The S&P 500 hit another high on May 14, 2026. We’ve been singing that tune for two and a half years now! It’s still all about the Magnificent 7. However, in 2022, the highest flyers were the largest sinkers, as you can see in the chart below. Many of the Magnificent 7 companies were the biggest losers, with Amazon and Nvidia sinking by half, and Meta and Tesla plunging by -64-65%.

The chart also reveals that silver was more buoyant (as was gold), which is one of the reasons why we’ve been leaning into the precious metal for one or more of our hot slices. Peru was another 2025 superstar, as was clean energy. These all outperformed the Magnificent 7 (as a whole) in 2025 and 2026, and most of them individually as well, with the exception of Google (Alphabet).

Do your wealth and retirement plans include hot sectors? Do you place the top performing funds in your Roth IRA to eliminate capital gains and income taxes? These are some of the strategies that we teach in the Financial Freedom Retreat. Adding performance and protection to our wealth plan is a game changer.

Rebalance and Employ a ‘Capture Gains’ Mindset
Rebalance now, while stocks are at an all-time high to capture gains. When we don’t have this important discipline baked into our plan, we might be led by emotions. Are you complacent thinking that stocks will just keep going up – with Fear of Missing Out (FOMO) on more money if you capture some gains now? Did you feel like selling (low) in 2022 or April of last year, when stocks dropped -20%? If so, that’s a sign that you need a better system. Emotions almost always put us on the wrong side of the trade. It’s been so long since we had a recession that most of us have forgotten just how painful they are.

Younger retail investors might have never seen a sustained downturn. The pandemic recession was the shortest in history – largely because we printed up over $4 trillion and passed it out to everyone with a heartbeat. That is not the way that normal corrections run. There won’t be a blank check from Congress in the next one. (If there is, that can spark its own set of problems, given that public debt is already at $39 trillion.)

An Age-Appropriate, Properly Diversified Plan
As we get closer to retirement, we just can’t afford to lose half of our wealth. So, having enough safe – not at risk of losing money – and knowing what is safe in a Debt World (so we don’t have to endure paper losses either) is critically important. A properly diversified plan adds performance, while reducing risk. It also allows us to invest in industries we think are going to outperform – whether we love precious metals, copper, AI, breakthrough technology, quantum, robotics, cybersecurity, clean energy or crypto.

Tax-Protected Retirement Accounts
Why not put your best performing target sector ETFs in your Roth IRA? Do you have most or all of your investments in tax-protected retirement accounts, so that you don’t have to worry about capital gains taxes? You can even put your crypto investments (at least a Bitcoin and Ethereum ETF) in your self-directed IRA.

Employer-sponsored plans have more limited options, which is why it is important to contribute to your own IRA (hopefully a Roth IRA), in addition to getting the free match that many employers offer. If you’ve left your job, then rolling over your 401k or RSP into a self-directed retirement account is going to offer greater freedom of choice.

Start with your 1st job! The Rule of 72 means that you could be a millionaire before you retire if you are simply depositing 10% of your income into a tax-protected retirement account and earning a 10% annualized gain – something that stocks have done and more over the past 30 years.

Hot Industries
What do you think is hot in 2026? Is the good news already priced in? Should you be capturing gains? If you don’t own it, should you dollar-cost average in, instead of buying high? Is there something that is currently out-of-favor that might gain ground going forward? Could you be buying low on an Indonesian ETF or medical devices?

Having a strategy that includes hot industries increases performance, provided we have a way of capturing gains and sticking with that age-appropriate, properly diversified plan. As we’ve seen above, superstars are also the ones that crash and burn.

This is something we cover in-depth in the Financial Freedom Retreat. Join us! Even if you have a managed plan, it’s a very good idea to be the boss of your money and to know exactly what you own and why. Now.

Underweight Excessive Debt, Leverage and Poor Credit Quality.
We’re using country diversified value replacement funds to skirt the debt and leverage load of many U.S. companies. Are you aware that over half of the S&P 500 is at or near junk bond status? Check out my blogs on “Hot Countries,” and “Whirlpool Cutting Their Dividend.”

Also, our safe strategies have been earning a competitive yield with no paper losses – since 1999! Getting safe is not difficult, but it is very tricky. This is why we spend one full day on “What’s Safe?” at the Financial Freedom Retreat. Also, refer to my blogs, “Why I Prefer Select Corporate Bonds to U.S. Treasuries,” and “6 Rules to Earn Tens of Thousands With Low Risk.”

Review the 15 Wealth Rules of the Rich
There are so many small and subtle changes that can compound and add up. The general theme is that the more money we can keep in the family, the better. So my “15 Wealth Rules of the Rich” blog offers many budget and investing hacks that stop us from making the taxman, the landlord, the health insurance company, the utility, the gas station and so many others rich at our own expense. With more money in our wallet, we can invest, compound gains and live a much richer life.

Sounds Complicated? It’s as Easy as a Pie Chart!
Having an age-appropriate, properly diversified plan can be as easy as a pie chart. We’ve got free web apps where you can personalize your own plan. These will make more sense when you read The ABCs of Money 6th edition and attend the Financial Freedom Retreat. Also take our Investor IQ Test and Rebalancing IQ Test to learn more about implementing this time-proven system.

Bottom Line
Rebalancing 1-3 times a year is an important part of an age-appropriate, time-proven plan. The end of the Spring Rally (now) is typically a great time to rebalance and capture gains. If you don’t know how to do this, now is the time to learn. The sooner we adopt an age-appropriate, properly diversified wealth plan, the faster our lives transform.

###

Are you aware that the hot funds we've been featuring in our sample pie charts and retreats performed at the top of Wall Street in 2025? Silver gained 141%. Peru (copper) was on fire with 83% gains. Even clean energy scored 44%...

Why not treat yourself to the gift of financial freedom to create a New Year, New Me in 2026?

Register now to join us at our online Financial Freedom Retreat June 5-7, 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register with family and friends to receive the best price. (Ask for access to a recording of our Bond masterclass as our gift to you.) Email [email protected] to learn more and register now.

If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 4-11, 2027. (With just three rooms still 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.

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 cryptocurrency, Nvidia, artificial intelligence, and quantum computing,
* Save thousands annually with smarter big-ticket choices
* 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.

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.

"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

"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.

If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.

Check out Natalie Pace's Substack podcast and watch videoconferences and webinars on Youtube.

Other Blogs of Interest
Whirlpool Suspends Dividend. Share Price Sinks.
Why I Prefer Select Corporate Bonds to Treasuries.
When Superstars Burn Out.
Should You Just Own an S&P 500 Fund?
Gold, Silver and Crypto. Are the Safe Havens Sinking?
Hot Countries.
Oil Prices Soar. Stocks Sink.
15 Rules of the Rich.
The Venus Fly Trap of High-Yield and Private Credit Funds.
AI Says There is a 70% Chance of a Correction in 2026. Learn why.
Investors Sell Magnificent 7 for Chevron and Caterpillar. (Is this a good idea?)
6 Rules to Earn Tens of Thousands with Low Risk.
2026 Investor IQ Test.
Answers to the 2026 Investor IQ Test.
Finding Harmony: A King's Vision. Half a Century of Sustainability Leadership.
Silver and Gold's Very Bad Day.
Why are Mortgage Rates so High?
The War Over Warner Bros.
Is an EV Winter Coming?
Copper and Peru are Hot, Hot, Hot.
2026 Rebalancing IQ Test.
Answers to the 2026 Rebalancing IQ Test.
2026 Crystal Ball.
Is the AI Bubble About to Pop?
A+ 2025 Performance Report Card with Bragging Rights.
Are We Headed for Another Crypto Winter?
Will the World Cup Save the Travel Industry?
Save Thousands Annually on Health Insurance and Medical Care.
2026 Bonds and Fixed Income Without Paper Losses Strategy.
Magnificent 7 Update. On Fire. Expensive.
Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7.
Stablecoins. Should You Invest?
Clean Energy. Solar Generation is On Fire.
HHS Cuts MRNA Research. Weight Loss Drugs Soar.
Are You Paying Thousands to Lose Money?
Crypto Goes Mainstream. The Genius Act Becomes Law.
Wealth Hacks: Are You Getting Killed in Capital Gains Taxes?
Our Super Performing Hots and Value Replacements.
Is Your Income Strategy Losing Money?
Gold and Silver Soar.
Get Safe & Hot in 1 Easy Plan.
Home Prices Soften. Is Your City Next?
Tesla Vision vs. Waymo LiDAR and Air Taxis. Are Any of Them Safe?
Archer Aviation is Chosen to be the Exclusive Air Taxi Service for the 2028 L.A. Olympics. Company of the Year?
USA Downgraded. Is U.S. Reserve Currency Status Threatened?
Utilities: In the Eye of the Natural Disaster Storms.
Aging Mom Doesn't Want to Discuss Dilapidated House. Investors Ask Natalie.
Tesla, Tariffs, Chinese Competition and Price Wars.
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.
Should I Have a Money Manager?
10 Rules of Successful Investing.
Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub.
RoboTaxis. AI. The Magnificent 7.
Canadian, Australian and U.S. Banks. Are Any of Them Safe?
Ireland. Rich in Technology, Biotechnology and Agribusiness.
9 Money Secrets of the Ultra Wealthy.
Housing & Budgeting Solutions.
Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps.
Fintechs and Brokerages that Fail are Not FDIC-Insured.
Housing. Unaffordable. What Works? Case studies and creative solutions.
The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals.
13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough.
11-Point Green Checklist for Schools.
10 Wealth Secrets of Billionaires and Royals.
Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments.
BRICS Currency. Will the Dollar Become Extinct?
Is Your FDIC-Insured Cash Really Safe?
Money Market Funds, FDIC, SIPC: Are Any of Them Safe?

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.

5 Comments

Whirlpool Suspends Dividend. Share Price Sinks.

11/5/2026

0 Comments

Whirlpool Suspends Dividend. Share Price Sinks.
Wall Street keeps hitting new highs. So, why did Whirlpool’s stock sink -22% last week, and why is it down -83.5% over the five-year period? Have you been lured into dividend stocks for easy income without understanding the risk of losing money, as investors in Whirlpool did?

Whirlpool is just one example of why we are using value replacement funds in our sample nest egg pie charts.

Here is what I’ll cover in this blog.

Earning Income
The Higher the Dividend, the Higher the Risk
Dividends Can be Cut Without Warning
Gap Down in Stock Price
Country Diversification for Value Replacements
Other Solutions?

And here is more information on each point.

Earning Income
Value and growth play different roles in our portfolio. The growth funds typically offer capital gains in sectors that have high revenue growth year over year. We’re aiming to buy stocks on sale and earn income in our value funds.

The Magnificent 7 have been the super performers on Wall Street since 2023, accounting for most of the gains. The three-year total return of the S&P 500 (2023-2025) was 86.11%, or 23.01% annualized. Without the Magnificent 7, the performance would have been cut in half, at 38.89%, or 11.57% annualized (source: S&P Dow Jones Indices). If you did not have large cap growth in your wealth plan, your plan probably performed at half the speed of this broad-based index.

In a normal world, value funds would add stability, in addition to income. However, in today’s Debt World, we’ve seen traditionally stalwart assets lose. As one example, in 2022, long-term government bonds lost -26% -- more than the S&P 500. (Bonds are often used as the safe side of our wealth plan, while stocks are the at-risk side.) Weakness in long-term bonds was at the heart of the bank failures in early 2023 and would have taken out more if the Federal Reserve had not stepped in with some financial engineering to prevent more banks from wiping out.

Because of the legacy perception that value funds are more stable, and particularly if we are a conservative investor, many of us are going to have a lot of value stocks and funds in our wealth plan. How many of these income stocks are vulnerable to the kind of losses that we have seen in Whirlpool and long-term government bonds over the past 5-years?

Many broker/salesmen will tell us that it all works out in the end because the yield increases when the stock price plunges. However, that assumes that the company has a renaissance. If what’s happening is just borrowing from Peter to pay Paul, without a significant improvement in the company’s products and profitability, there can come a time when the dividend is cut or suspended and the stock slides even further, as we just saw in Whirlpool and in a great deal of commercial real estate companies.

We’ve seen this story plenty of times before. General Electric was a dividend darling in 2017, before the company slashed its dividend by half. (We warned of this for years before GE’s cut happened. Keep reading for the red flags.)

The Higher the Dividend the Higher the Risk
The higher the dividend, the higher the debt and leverage and the lower the credit quality. If the company has a great credit rating, it doesn’t need to give you a higher coupon rate to get you to loan money. The higher the risk, the more likely there could be a loss of principle. How many Whirlpool investors were aware that the company was downgraded to junk status on May 1, 2025, and was at the lowest rung of investment grade since May 6, 2024? The stock has been on a downtrend since 2021. As the shares lost value, the dividend soared, until it was suspended last week. However, the additional income doesn’t make up for losing most of our principal investment.

iRobot, makers of the popular Roomba, filed for bankruptcy on December 14, 2025. The company is selling itself on the cheap to its Chinese manufacturer. Other U.S.-based home goods manufacturers, particularly those that were founded more than 50 years ago, have very high debt and very low credit quality. Hamilton Beach Brands was also below investment grade when they requested that their rating be withdrawn in 2011 (source: S&P Global).

Dividends Can be Cut Without Warning
When we wait for the headlines, it’s too late. By the time, a company announces a suspension of their dividend, as Whirlpool did on May 6, it’s too late to protect your investment. In truth, the whales of Wall Street understood the risks of Whirlpool far sooner than retail investors did. The stock was trading very high in 2021 and gradually began its descent. It was already down by more than -77.6% before the dividend suspension announcement.

While dividends can be suspended or cut without warning, there are red flags flying for years before that sad day. In addition to low credit quality, high debt and leverage, many companies also experience slow growth or contracting revenue and thin or negative profit margins. If companies are borrowing to stay afloat, there comes a time when the lenders demand a pathway to profitability and to stem the capital burn. When Whirlpool suspended the common dividend on May 6, 2026, the company explained that they were going to “prioritize debt paydown.”

Gap Down in Stock Price
The minute that there is a shock, such as a dividend cut or suspension, there is a gap down in share price. (This often happens after the markets are closed.) Main Street investors who try to sell are trying to catch a falling knife. That’s why it’s important to know exactly what you own and why during the good times. Wall Street is at an all-time high. Do you know what you own? Is it time to fix the roof while the sun is still shining?

Country Diversification for Value Replacements
Most of us are aware of the $38 trillion in public debt, while few of us are aware that the total debt and loans in the U.S. is closer to $108 trillion, with non-financial corporate debt and liabilities, including bonds and loans, topping $14 trillion. Check out the Asset & Debt Bubble Chart below.

The country-diversified value replacement funds that we feature in our Financial Freedom Retreat have much lower debt to GDP than the U.S. Some offer a much higher yield, as well. So, we are getting paid more to take on less risk.

Other Solutions?
The solution that has been working quite well is to opt for value replacement funds in countries that have much lower debt. One of our value replacement funds was Peru (symbol: EPU). That fund outperformed Wall Street with gains of 85% year-over-year, while also paying a dividend. The Australia fund offers double the dividend of its U.S. based equivalent.
It is important to understand whether your portfolio is concentrated in value or growth, is age-appropriate, and is properly diversified. You can read about it in my bestselling books. You can learn and implement this easy system by attending my Financial Freedom Retreat. If you’d like an unbiased second opinion on your current plan to discover how exposed you are to heavily indebted companies that might be subject to losing share price value and/or cutting their dividend, email [email protected] for pricing and information.

Bottom Line
We want to earn income safely without principal loss. That is the role of our value funds. However, with so much debt in the U.S., and with many legacy brands struggling with high debt and leverage, low credit ratings, intense global competition, squeezed profit margins (if they’re making money at all) and revenue that might be contracting, it’s a great idea to look for income and value outside of this country. Now is the time to know exactly what we own and why.

###

Are you aware that the hot funds we've been featuring in our sample pie charts and retreats performed at the top of Wall Street in 2025? Silver tripled. Peru (copper) was on fire with over 100% gains. Even clean energy scored 55%...

Why not treat yourself to the gift of financial freedom to create a New Year, New Me in 2026?

Register now to join us at our online Financial Freedom Retreat June 5-7, 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by May 15, 2026 to receive the best price. (Ask for access to a recording of our Bond masterclass as our gift to you.) Email [email protected] to learn more and register now.

If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 4-11, 2027. (With just three rooms still 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.

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 cryptocurrency, Nvidia, artificial intelligence, and quantum computing,
* Save thousands annually with smarter big-ticket choices
* 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.

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.

"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

"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.

If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.

Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register by May 15, 2026 to receive the best price. Teens and college students can attend for just $99.

Check out Natalie Pace's Substack podcast and watch videoconferences and webinars on Youtube.

Other Blogs of Interest
Why I Prefer Select Corporate Bonds to Treasuries.
When Superstars Burn Out.
Should You Just Own an S&P 500 Fund?
Gold, Silver and Crypto. Are the Safe Havens Sinking?
Hot Countries.
Oil Prices Soar. Stocks Sink.
15 Rules of the Rich.
The Venus Fly Trap of High-Yield and Private Credit Funds.
AI Says There is a 70% Chance of a Correction in 2026. Learn why.
Investors Sell Magnificent 7 for Chevron and Caterpillar. (Is this a good idea?)
6 Rules to Earn Tens of Thousands with Low Risk.
2026 Investor IQ Test.
Answers to the 2026 Investor IQ Test.
Finding Harmony: A King's Vision. Half a Century of Sustainability Leadership.
Silver and Gold's Very Bad Day.
Why are Mortgage Rates so High?
The War Over Warner Bros.
Is an EV Winter Coming?
Copper and Peru are Hot, Hot, Hot.
2026 Rebalancing IQ Test.
Answers to the 2026 Rebalancing IQ Test.
2026 Crystal Ball.
Is the AI Bubble About to Pop?
A+ 2025 Performance Report Card with Bragging Rights.
Are We Headed for Another Crypto Winter?
Will the World Cup Save the Travel Industry?
Save Thousands Annually on Health Insurance and Medical Care.
2026 Bonds and Fixed Income Without Paper Losses Strategy.
Magnificent 7 Update. On Fire. Expensive.
Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7.
Stablecoins. Should You Invest?
Clean Energy. Solar Generation is On Fire.
HHS Cuts MRNA Research. Weight Loss Drugs Soar.
Are You Paying Thousands to Lose Money?
Crypto Goes Mainstream. The Genius Act Becomes Law.
Wealth Hacks: Are You Getting Killed in Capital Gains Taxes?
Our Super Performing Hots and Value Replacements.
Is Your Income Strategy Losing Money?
Gold and Silver Soar.
Get Safe & Hot in 1 Easy Plan.
Home Prices Soften. Is Your City Next?
Tesla Vision vs. Waymo LiDAR and Air Taxis. Are Any of Them Safe?
Archer Aviation is Chosen to be the Exclusive Air Taxi Service for the 2028 L.A. Olympics. Company of the Year?
USA Downgraded. Is U.S. Reserve Currency Status Threatened?
Utilities: In the Eye of the Natural Disaster Storms.
Aging Mom Doesn't Want to Discuss Dilapidated House. Investors Ask Natalie.
Tesla, Tariffs, Chinese Competition and Price Wars.
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.
Should I Have a Money Manager?
10 Rules of Successful Investing.
Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub.
RoboTaxis. AI. The Magnificent 7.
Canadian, Australian and U.S. Banks. Are Any of Them Safe?
Ireland. Rich in Technology, Biotechnology and Agribusiness.
9 Money Secrets of the Ultra Wealthy.
Housing & Budgeting Solutions.
Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps.
Fintechs and Brokerages that Fail are Not FDIC-Insured.
Housing. Unaffordable. What Works? Case studies and creative solutions.
The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals.
13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough.
11-Point Green Checklist for Schools.
10 Wealth Secrets of Billionaires and Royals.
Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments.
BRICS Currency. Will the Dollar Become Extinct?
Is Your FDIC-Insured Cash Really Safe?
Money Market Funds, FDIC, SIPC: Are Any of Them Safe?

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.

0 Comments

Why I Prefer Select Corporate Bonds to Treasuries

5/5/2026

0 Comments

Why I Prefer Select Corporate Bonds to Treasuries
“We need an emergency break-the-glass plan, which is targeted and short-term, on the shelf, so it’s ready to go when we hit the wall,” former Secretary of the Treasury Henry Paulson, on April 16, 2026, speaking about U.S. Treasuries.

Let’s break down what this means, why Paulson said it and why I’m loaning money to the Magnificent 7 (with a notable exclusion) instead of buying U.S. treasuries. I’ll also include information on how to avoid paper losses on your fixed-income investments.

Here is what I’ll cover in this blog.

Side-by-Side Comparison
Keep the Terms Short and the Creditworthiness High
Not all Corporate Bonds are Created Equal
Hank Paulson Warning
Lessons from The UK Gilt Crisis
The Strengths of the United States
Takeaways

And here is more information on each point.

Side-by-Side Comparison
As you can see in the chart below, the United States is running a sizeable deficit, and the total debt and loans are an eye-popping $107.6 trillion (source: FRED). The $38.9 trillion in public debt is what politicians rant about incessantly. However, that excludes corporate debt and loans, bank debt, consumer debt and state and local government debt.

By comparison, the six Magnificent 7 companies I’ve included above (Walmart is not in the Magnificent 7) all have much higher revenue growth and profit margins. They also have healthier debt to equity ratios.

Keep the Terms Short and the Creditworthiness High
Whether we choose treasuries or corporate bonds, it’s very important to keep the terms short and the creditworthiness very high. There is just too much risk (credit and duration) in the marketplace. That is why long-term government bonds lost even more than Stocks did in 2022. This problem was also at the heart of the five banks that failed in early 2023.

Bond performance since then hasn’t been enough to recover those losses. You probably have heard the term “paper losses” in your own portfolio, which are far more problematic than we’re being told. We are very proud to report that the fixed income strategies that we’ve been teaching at the Financial Freedom Retreat for decades have not reported paper losses.

Not all Corporate Bonds are Created Equal
There is another screen that is important to use in addition to the high credit quality and short duration. We are leaning into 21st century companies and underweighting the legacy brands that were founded last century. The reason for that is that even within the same credit rating, there can be a quite different profitability and leverage profile. Older companies tend to have slower revenue growth, squeezed profit margins, and typically a lot more debt and leverage. You see all of this in Walmart’s numbers in the chart above. Yet S&P Global has assigned an AA credit rating to the company.

If you do not want to do the proper due diligence to investigate all of this, then just skew for new. It’s an easy hack that works very well alongside the mantra, “Keep the terms short and the creditworthiness high.”

Hank Paulson Warning
Paulson’s warning wasn’t all doom and gloom. “We’ve got the biggest, most innovative, diverse economy; we’ve got the strongest, best-governed, most profitable companies; we live in a safe neighborhood; we’re energy independent,” Paulson said. However, the debt, fiscal and political challenges, along with the rise in nationalism, could mean that interest rates have to rise or risk that the Federal Reserve Banks are the only buyers of treasuries. This is why Paulson is warning that the central bank and Treasury Secretary need a break-the-glass plan.

It’s important to remember that this plan is always paid for by the taxpayer. An anonymous Wall Street whale wrote to me by text, “And when they ‘break the glass,’ it’s always someone else’s glass. Avoidance of the expensive decisions when problems are solvable become the very expensive “solutions” when they are near beyond solving. The former deferred by the powerful, the latter born by the powerless.”

Lessons from The UK Gilt Crisis
When yields rise rapidly, value plunges. This creates chaos, margin calls, and, if sustained, a mark-to-market valuation that could put various investors (institutional, financial, pension providers and otherwise) into a crisis of liquidity (and potential risk of liquidation). We saw this in the U.S. in 2023 with the bank failures. It also happened with U.K. Gilts (similar to U.S. Treasuries) in September of 2022. Duration risk expounds the problem. As you can see in the liquidity chart below, the longer the duration, the less liquidity there is.

I bring up the U.K. gilt crisis because it lasted only 5 days. The Bank of England stepped in to buy £65 billion in long-term gilts, stabilizing the price and short-circuiting the spiral into a doom loop. This is the kind of plan that Hank Paulson is thinking about. It’s not a long-term fix. It’s a temporary solution financially engineered to stabilize the economy, in the hopes that the politicians will fix the national debt and budget deficit problems and that the heavily indebted corporations will get back to fiscal health and stability.

The Strengths of the United States
There are many strengths of the United States, including that our entrepreneurs can find capital funding for their innovative ideas. One example of this is in the air taxi sector. Just a few years ago, many European air taxis ran out of cash and were forced to liquidate. Meanwhile, even though this is a disruptive industry with little or no revenue, the American companies Joby ($2.5 billion) and Archer Aviation ($1 billion) are publicly traded and should have enough cash on hand to get them through the necessary fast-tracked final stages of the federal aviation requirements before they can start operating officially and charging for their service.

The Magnificent 7 companies are the most valuable in the world, with products and services that are used globally. The U.S. is known for inventing and scaling the solutions of tomorrow. Yes, there are competitors, including China’s investment in AI, EVs and smart phones. However, innovation, combined with being bordered by two oceans, a rich and deep capital market and the economic freedom policies that support entrepreneurialism are unique and valuable American assets.

Takeaways
There is a lot of debt in the U.S. and the world. There is also a great deal of risk, including war, inflation, natural disasters, political uncertainty and nationalism. Interest rates are still low, at under 4%. Yet, 3.5% return on $1,000,000 is $35,000 every year. If we can earn money while we sleep without losing any of our principal (in other words no “paper losses”), then it is a worthy endeavor, particularly since we should all be keeping an age-appropriate amount of our wealth safe from capital losses.

Bottom Line
It’s important to always keep our principal intact, while earning some income. It is the safe side of our wealth plan that protects us when stocks head south -- allowing us to keep our money and have the liquidity to buy low when the opportunity arises. (Most people don't buy low because they can't.) As Will Rogers was fond of saying, “I’m more concerned with the return of my money than the return on my money.” In today’s Debt World that saying is quite relevant.

Getting a safe 3.5-3.9% return on investment is not difficult, but it is tricky in today’s Debt World. This is why we spend one full day on What’s Safe? at the Financial Freedom Retreat. Keep the terms short. Keep the creditworthiness high. Lean into the future and underweight the past. Have rolling maturity dates. Know when you’ll need access to your money.

If you have paper losses, or if you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing information on our private coaching. You can also register for our June 5-7, 2026, Financial Freedom Retreat. Sign up by May 15, 2026, for the best price.

###

Are you aware that the hot funds we've been featuring in our sample pie charts and retreats performed at the top of Wall Street in 2025? Silver tripled. Peru (copper) was on fire with over 100% gains. Even clean energy scored 55%...

Why not treat yourself to the gift of financial freedom to create a New Year, New Me in 2026?

Register now to join us at our online Financial Freedom Retreat June 5-7, 2026 where you'll learn how to protect your wealth, save thousands annually in your budget, invest in hot industries like AI, gold, crypto and more, and how to be in the best seat during our volatile Debt World. Register by May 15, 2026 to receive the best price. (Ask for access to a recording of our Bond masterclass as our gift to you.) Email [email protected] to learn more and register now.

If you'd like a life-changing adventure of a lifetime, be our guest at a royal manor house in Cornwall, England, March 4-11, 2027. (With just three rooms still 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.

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 cryptocurrency, Nvidia, artificial intelligence, and quantum computing,
* Save thousands annually with smarter big-ticket choices
* 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.

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.

"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

"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.

If you’d like an unbiased 2nd opinion on your current wealth plan, email [email protected] for pricing and information.

Check out Natalie Pace's Substack podcast and watch videoconferences and webinars on Youtube.

Other Blogs of Interest
When Superstars Burn Out.
Should You Just Own an S&P 500 Fund?
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Hot Countries.
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The Venus Fly Trap of High-Yield and Private Credit Funds.
AI Says There is a 70% Chance of a Correction in 2026. Learn why.
Investors Sell Magnificent 7 for Chevron and Caterpillar. (Is this a good idea?)
6 Rules to Earn Tens of Thousands with Low Risk.
2026 Investor IQ Test.
Answers to the 2026 Investor IQ Test.
Finding Harmony: A King's Vision. Half a Century of Sustainability Leadership.
Silver and Gold's Very Bad Day.
Why are Mortgage Rates so High?
The War Over Warner Bros.
Is an EV Winter Coming?
Copper and Peru are Hot, Hot, Hot.
2026 Rebalancing IQ Test.
Answers to the 2026 Rebalancing IQ Test.
2026 Crystal Ball.
Is the AI Bubble About to Pop?
A+ 2025 Performance Report Card with Bragging Rights.
Are We Headed for Another Crypto Winter?
Will the World Cup Save the Travel Industry?
Save Thousands Annually on Health Insurance and Medical Care.
2026 Bonds and Fixed Income Without Paper Losses Strategy.
Magnificent 7 Update. On Fire. Expensive.
Crypto. Copper. Silver. Gold. More Magnificent than the Magnificent 7.
Stablecoins. Should You Invest?
Clean Energy. Solar Generation is On Fire.
HHS Cuts MRNA Research. Weight Loss Drugs Soar.
Are You Paying Thousands to Lose Money?
Crypto Goes Mainstream. The Genius Act Becomes Law.
Wealth Hacks: Are You Getting Killed in Capital Gains Taxes?
Our Super Performing Hots and Value Replacements.
Is Your Income Strategy Losing Money?
Gold and Silver Soar.
Get Safe & Hot in 1 Easy Plan.
Home Prices Soften. Is Your City Next?
Tesla Vision vs. Waymo LiDAR and Air Taxis. Are Any of Them Safe?
Archer Aviation is Chosen to be the Exclusive Air Taxi Service for the 2028 L.A. Olympics. Company of the Year?
USA Downgraded. Is U.S. Reserve Currency Status Threatened?
Utilities: In the Eye of the Natural Disaster Storms.
Aging Mom Doesn't Want to Discuss Dilapidated House. Investors Ask Natalie.
Tesla, Tariffs, Chinese Competition and Price Wars.
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.
Should I Have a Money Manager?
10 Rules of Successful Investing.
Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub.
RoboTaxis. AI. The Magnificent 7.
Canadian, Australian and U.S. Banks. Are Any of Them Safe?
Ireland. Rich in Technology, Biotechnology and Agribusiness.
9 Money Secrets of the Ultra Wealthy.
Housing & Budgeting Solutions.
Fast Fashion. Fossil Fuels. Plastic Clothing. Atacama Desert Waste Dumps.
Fintechs and Brokerages that Fail are Not FDIC-Insured.
Housing. Unaffordable. What Works? Case studies and creative solutions.
The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals.
13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough.
11-Point Green Checklist for Schools.
10 Wealth Secrets of Billionaires and Royals.
Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments.
BRICS Currency. Will the Dollar Become Extinct?
Is Your FDIC-Insured Cash Really Safe?
Money Market Funds, FDIC, SIPC: Are Any of Them Safe?

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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