Natalie Pace Blogs
Photo of Natalie Pace by Marie Commiskey. Avalon Photography.
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 Natalie Pace in Powerscourt, Ireland. Photo by Marie Commiskey. Ireland. Rich in Tech, Biotech and Agribusiness. Ireland has just 5.3 million people, yet the country is the European home of technology giants such as Apple, Amazon, Google, Meta and Microsoft, and biotechnology leaders, including Johnson & Johnson, Regeneron, Gilead and Pfizer. The influx of companies looking for an English-speaking country with a footprint in the U.K. and Europe, particularly post-BREXIT, has pushed the GDP per capita (person) of Ireland to the 3rd highest in the world, behind Luxembourg and Switzerland. By example, the GDP/capita of the U.S. and Canada are 86.6 thousand and 53.83 thousand, respectively, compared to Ireland’s 103.5 thousand. Due to the high GDP growth, low debt and strong presence of multinational enterprises (MNEs), we’ve listed Ireland as a hot country for years in our Financial Freedom Retreats. Will the Irish economy be as hot in 2025 and going forward as it was in 2021 and 2022, when its GDP growth was an impressive 16.3% and 8.6%, respectively (higher than China’s 8.4% and India’s 11.7% in 2021)? The iShares MSCI Ireland ETF is currently trading near an all-time high. Is now a great time to capture gains, or will Ireland continue higher, on the strength of the Magnificent 7 U.S. mega-cap companies? Below are some of the topics we’ll cover in this blog. Economic Outlook Strengths Risks Headwinds And here is more information on each point. Economic Outlook Ireland experienced magnificent GDP growth in 2021 and 2022 on the strength of both the technology and biotechnology industries. However, in 2023, the economy contracted -5.5%, and 2024 is expected to see another minor contraction of under -2%. Fitch is forecasting a recovery in 2025, with GDP growth of 3.5% annually for 2025 and 2026. S&P Global’s prediction is for 2.1% annual growth between 2025 and 2027. The developed Western World is expected to experience GDP growth in the range of 1-3%, with China at 4.5%, and many of the underdeveloped nations growing the fastest – particularly Africa, India and Indonesia. Argentina is also expected to perform well in 2025, with expectations of 5% GDP growth. Strengths Ireland has many things going for it these days. The country is raking in tax revenue from MNEs. Ireland recently received a tax windfall from Apple in the amount of €14.1 billion. That gives the Irish economy a fiscal surplus, at a time when many countries are running deficits, including Canada, China, Europe and the U.S. Ireland’s debt to GDP is 43.3%. Fitch Ratings and S&P Global give Ireland an AA credit rating.  Many, but not all, of the Magnificent 7 companies have an EU base in Ireland. Nvidia and Tesla are based elsewhere. As a result of maximum employment and a high GDP per capita, household savings is steady, while domestic savings are high. The economy is diversified across the technology, biotechnology, financial services and agrobusiness industries. Inflation is below 2% (at 1.7%) and is expected to remain in this target range, according to S&P Global. Risks According to S&P Global, in their ratings review report of Nov. 15, 2024, “Ireland's multinational sector is vulnerable to deglobalization risks, and more broadly will remain volatile so that small changes at the few very large tech and pharmaceutical entities based in Ireland will have a disproportionate effect on economic and fiscal indicators.” That is what happened in 2023, when the biotechnology industry weakened, after a few years of pandemic-related overperformance. Empty office buildings and commercial real estate is another downside risk for the Irish economy, even as it is the bugaboo of many countries. Vacancies are up and prices are down. The Central Bank of Ireland published a special CRE feature of their Financial Stability Review in June 2024, writing, “The Irish CRE market has experienced a 27 per cent fall in valuations, with the possibility that further falls may lie ahead.” Since CRE lending has plunged from 1/3 to 1/10 of Irish bank loans, the Central Bank posits that banks have the ability to “absorb” rather than “amplify” a CRE shock. Non-bank lenders, including insurance companies, pensions, real estate companies and hedge funds, are more vulnerable than banks in Ireland and in the rest of the developed world. Because Ireland is such a small country, a shift in the strength of the U.S. and multinational technology and biotechnology industries will have an outsized, negative effect on the Irish economy and growth rates. Headwinds “Deglobalisation and new trade restrictions among major economies could significantly affect the small, open Irish economy,” according to a Fitch Ratings review of Nov. 15, 2024. Tariffs and the rise of nationalism could have a negative impact on Ireland, particularly in its exports. Bottom Line Investing in a small country with fewer residents than the metro population of Los Angeles, California does come with a risk. Weakness in the multinational companies or industries that have made Ireland so rich can make the country’s GDP soar and sink year by year, as witnessed with the wild gyrations between 2021 and 2024. At the same time, Ireland’s sound fiscal policy for saving and investing its fiscal surpluses, at a time when many countries are still borrowing to fund their domestic agenda and services, are positive. As Fitch Ratings summarized in its Nov. 2024 report, “Ireland has a prudent domestic fiscal framework designed to mitigate risks from the large and highly-concentrated windfall corporate tax revenue.” At the same time, the iShares MSCI Ireland ETF (symbol: EIRL) is trading close to a 5-year high. If you are using our nest egg pie chart system and your Irish slice is oversized or has become two slices, year-end is a great time to do our rebalancing and capture gains. If you’d like to learn more about our highly acclaimed, easy, time-proven investing and budgeting strategies, email [email protected] with Pie Chart System Information in the subject line. Join us at our online New Year, New Me Financial Freedom Retreat Jan. 10-12, 2025 (online) and our Rebalancing Masterclass (Capture Gains & Protect Principal) on Jan. 18, 2025. Learn how to: * Invest in hot industries, such as Nvidia and artificial intelligence, * 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 and EVs), * Evaluate stocks, * 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 New Year, New You Financial Freedom Retreat Jan. 10-12, 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 7-14, 2025. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. There is very limited availability. Register now. There is only 1 room available. This retreat includes an all-access pass to all of our online training for a full year for two, and three 50-minute private, prosperity coaching sessions. Much more affordable than you might think. Email [email protected] to learn more.  Natalie Pace in an Irish pub learning how to pour a proper Guiness Stout. Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money 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 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 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? The Chips are Down. ASML, Intel and Super Micro Computer Plunge. Is Nvidia Next. Will Insurance Companies & Homeowners Weather the Hurricanes? 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Will Boeing Be Booted Out of the Dow Jones Industrial Average? Arkansas Sues Temu for Data Theft. We Must Be the Boss of Our Money. Why? Oil Prices Tumble. Why? Sweepstakes for the Release of The ABCs of Money. 6th Edition. Should You Go Conservative or Aggressive? 5% Yield without those Pesky Paper Losses. The Dow Drops 1400 Points. 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. Stocks Keep Hitting New Highs. Are You Thinking "Capture Gains?" Nvidia Volatility. Salesforce Drops. Election Years With Negative Yield Curves = ?. 5 Green Tips for Clean Beaches Week. Nio Sales Expected to More Than Double in 2Q 2024. So, You Think You Want to Be a B&B Owner... Artificial Intelligence and Crypto Scam Alert by the SEC. Netflix Evicts Unpaid Viewers. Empty Theaters. 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. AI, Gold & Copper are on Fire. Sunpower Doubled. Sell in May and Go Away? What About the Election? Vacations that Color Our World Forever. The Magnificent 7 Drop to the Fantastic 5 9 Inflation, Budgeting, Debt Reduction and Investing Solutions. China & Russia Double Their Gold Holdings. 2024 Investment of the Year? The Reddit IPO. Meme Stock or Snap Land? Tesla's Factory in Germany Taken Offline by Activists. Bitcoin Sets a New Record High. The Importance of Rebalancing. Beyond Meat's Shares Surge. Quaker Oats' Pesticide Problem. Stocks are Flying High. Why Aren't Mine? Cut Your Tax Bill in Half. 9 Tips. Celebrity Jet CO2. Green Washing. The Facts. Some Solutions. Copper: Essential to the Clean Energy Transition. Uh. Oh. More Bank Trouble. Are Amazon, Square and Other Tech Companies Ripping Us Off? Housing. Unaffordable. What Works? Case studies and creative solutions. Don't Reach for Yield. Closed-End Funds. 2024 Investor IQ Test. Answers to the 2024 Investor IQ Test. Apple's Woes Drag Down the Dow. The Winners & Losers of 2023. Ozempic, Magnificent 7 & Beyond. 2024 Crystal Ball. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. A Spectacular Year for 3 of the Magnificent 7. The Best ROI* (Almost 40%!) & 7 Life Hacks That Save Thousands. Portugal Eliminates Tax Advantages for Ex-Pats. Earn $50,000 or More in Interest. Safely. Finally. WeWork's Bankruptcy. Half-Empty Office Buildings. Problems in our Personal Wealth Plan. Solutions for Unaffordable Housing. Cruise Ships Give Freebies to Investors. Should You Take the Bait? Should You Take a Cruise? Bonds. Banks. The Treacherous Landscape of Keeping Our Money Safe. 7 Rules of Investing 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. China Bans Apple 11-Point Green Checklist for Schools. Artificial Intelligence and Nvidia's Blockbuster Earnings Report Biotech in a Post-Pandemic World 10 Wealth Secrets of Billionaires and Royals. What Happened to Cannabis? Bank of America has $100 Billion in Bond Losses (on Paper) Lithium. Essential to EV Life. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Are There Any Safe, Green Banks? 7 Ways to Stash Your Cash Now. Lessons from the Silicon Valley Bank Failure. Which Countries Offer the Highest Yield for the Lowest Risk? 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 12-Step Guide to Successful Investing. 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 or funds 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 a diversified strategy, which has been designed with the assistance of a financial professional who is 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 and patience. 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. Securities, financial instruments or strategies mentioned herein may not be suitable for all investors.
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 Black Friday & Cyber Monday 2024 Sweepstakes. Win a Seat at the Retreat and Other Prizes Special Holiday Blog by the Natalie Pace team Happy Thanksgiving! What are you thankful for? Share with us on social media. FYI: Natalie Pace posts regular money tips on my Instagram Broadcast Channel. The best things in life don’t cost a thing – friends, family, Mother Nature’s many blessings. This year, Natalie is particularly grateful that she is living the life of her dreams, and that she is in a position to help others manifest their highest desires, as well.  Natalie Pace at the Ritz Carlton Hotel in Powerscourt, Ireland. Photo by Marie Commiskey. We have many free gifts available to help you remove the obstacles that may be standing between what you really wish you were doing. Whether you want to reduce debt, thrive (instead of being buried alive in bills), live a greener life or make prosperity and abundance your daily habit, we have free videocoaching available to you. Just email [email protected] with your 2025 New Year, New You goal and which series you’d like to try first. Among the many things that we’re grateful for, we’re happy to be able to offer the following Black Friday/Cyber Monday and Winter Holiday deals and freebies. Free Ebooks make great stocking stuffers! On Christmas Eve (Dec. 24, 2024) through Dec. 28, 2024, you will be able to download Natalie Pace’s bestselling ebooks for free (in the U.S.). (Canadians, while the offer might not be available to you, many of our ebook prices are under $5.) The ABCs of Money (6th edition) Time-Proven 21st Century Strategies for Debt Reduction, Budgeting, Real Estate, Stocks, Bonds, Crypto, Gold and more. The Power of 8 Billion: It’s Up to Us Learn the triple win of greener choices. Save thousands annually. Healthier You, Healthier Budget, Sustainable Planet. Put Your Money Where Your Heart Is (2nd edition) Investing Strategies for Lifetime Wealth and a Sustainable Planet. One of the original ESG Investing books that was first in 2008. The ABCs of Money for College Get a better degree for up to half the cost. Parents: you want to read this book when your child is born. Teens: if you’re going to have to plan this on your own, there are great tips and resources that you just won’t find with your college counselors and those standardized personality tests. Black Friday through Cyber Monday Deals (Nov. 29 – Dec. 2, 2024) BOGO Coaching Buy 3 and Get 3 Additional Private Prosperity Coaching Sessions Complimentary Call 310-430-2397 or email [email protected] for pricing and information. These sessions can be used for an unbiased 2nd opinion of your current wealth plan. Learn exactly what you own and what a safer, hotter, and more diversified plan looks like. Natalie Pace’s analysis comes with color-coded details of all your holdings and easy-to-understand instructions that you can choose to use (or not). You’ll learn what’s toxic, what’s safe, what you have too much of and what you’re missing. You’re the boss of your money. Our mission is to provide the news, information, time-proven systems and education to make it easier to navigate through all the noise, hullabaloo and traps, to live a richer life, protect and grow our wealth, earn money while you sleep and stop making the billionaires rich at our own expense (also good for the planet). Complimentary Coaching Receive a 50-minute Private Prosperity Coaching Session (value $400) when you register for our New Year, New You Financial Freedom Retreat between Black Friday and Cyber Monday. Email [email protected] or call 310-430-2397 to learn more and register now. Save $200 On the New Year, New You Financial Freedom Retreat Now through Dec. 2, 2024, you’ll save $200 when you register for our Jan. 10-12, 2025, online New Year, New You Financial Freedom Retreat. Bring someone with you and they pay half of the regular price. (Bring a teen or college student with you for $99!) Black Friday Cyber Monday Sweepstakes Win a Seat at the Retreat Everyone is a winner in our 2024 Black Friday Cyber Monday Sweepstakes. (See the full list of prizes below.) The Grand prize is a 12-month, all-access pass to all of our online courses, which includes 3-4 retreats and 3-4 master classes (retail value: $5,680). Our next retreat is Jan. 10-12, 2025, (online). Simply email [email protected] with the subject line Sweepstakes! You will be automatically entered to win. There is no purchase necessary. If you’d like to up your odds, then write a review of the 6th edition of Natalie Pace’s Amazon Exclusive book, The ABCs of Money or The Power of 8 Billion: It’s Up to Us. Send us a link to your review on Amazon, and we’ll enter you 10 more times in the Sweepstakes. We must receive your review link by Monday, Dec. 2, 2024. Your reviews are important to us. I encourage you to share the book and your review on your social media. Please include #NataliePace and tag us, so that we can like and share your review! https://instagram.com/nataliewynnepace https://www.facebook.com/TheABCsofMoney https://www.linkedin.com/in/nataliepace/ https://x.com/NataliePace Act now. Entries must be received by Dec. 2, 2024. Winners will be notified on or before Dec. 31, 2024. List of Prizes 12-Month All-Access Pass (value $5,680) Retreat Seat (value up to $895) ½ off Retreat Seat (value $447.50) 2nd opinion on your current budgeting and investing plan (value up to $1495) Three 50-minute private prosperity coaching sessions (value $1200). 50-minute private prosperity coaching session (value $400). Autographed print edition of The ABCs of Money 6th edition or The Power of 8 Billion: It’s Up to Us (your choice of one). (priceless) Everyone is a Winner Every person who enters the sweepstakes can choose to receive a complimentary gift from us. Choose from the videocoaching programs below: 1. A complimentary 21-day Prosperity and Abundance videocoaching program: 21 days to a healthier, wealthier, more beautiful you, and/or 2. A 21-Day budgeting, debt, or sustainability videoconference series, where you can learn how to save thousands of dollars annually with smarter big-ticket choices. Simply indicate which videocoaching series you prefer when you register for the sweepstakes. Again, simply email [email protected] with the subject line Sweepstakes! You will be automatically entered to win. Thank You! Your presence in our community, with a dedication to financial empowerment and sustainability, means the world to us. We work hard to add a splash of green to Wall Street and transform lives on Main Street. We thank you for helping us to spread the word of just how effective and empowering the Thrive Budget and easy-as-a-pie-chart investing strategies are. The Sweepstakes entry period expires Dec. 2, 2024. Anyone who has emailed us on or before Dec. 2, 2024, with Sweepstakes in the subject line will be entered in the drawing. Winners will be chosen and notified on or before Dec. 31, 2024. There is no cash value for the prizes. The above offers expire Monday, Dec. 2, 2024, at midnight PT, and are available to new registrations only. Praise for The ABCs of Money and Natalie Pace’s work. "The ABCs of Money will teach you how to stop getting buried in debt and start scoring gains for the home team. The more you score, the more you'll win financial freedom and enjoy your life. College students need the 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 "Thank you, Natalie, for saving my retirement!" Nilo Bolden, executive director at a law firm in Century City, CA “Many people, including educated men and women, often get into trouble when they neglect to follow these simple and fundamental rules.” Professor Gary S. Becker Gary Becker won the 1992 Nobel Prize in economics. “As a young professional, between the knowledge gained through retreats and the experiences from our immersive trip [to Cornwall England], I feel much more aligned with my visions and values than most of my peers.” M “We asked Natalie Pace for a second opinion on our investment portfolio. She researched and reviewed each stock and fund. She then explained to us in plain English how we were positioned in the market and how high our risk exposure was. Her knowledge was so profound that we decided to take her retreat in Arizona. My husband was still quite skeptical, but 20 minutes into the retreat he turned to me and said, ‘Thank you.’ Stocks and investing are no longer rocket science. We are finally able to take control of our money. We give thanks just about every day that we met Natalie. I feel like I live on a different planet. I'm so grateful. Thank you for changing our lives, our peace of mind, our future and our vision of what is possible. We made a tectonic shift with you.” AC & AM "The ABCs of Money is a must-read to help people understand the complicated economics of modern day (and how to protect and grow their wealth), or to go from surviving to thriving. It helped me and numerous members of my non-profit, The New Hollywood, to become empowered, educated bad asses with their financial literacy." Brianna Brown Keen Film and Television Actress Founder and CEO of The New Hollywood Learn the ABCs of Money that we all should have received in high school and college to score As in: life math, investing, budgeting, housing, debt reduction and living a richer life. See the collage of Natalie Pace's own life journey to financial freedom in some of the pictures below (and in a reel on Instagram.com/NatalieWynnePace.) https://www.instagram.com/p/DBNRDoTPEo6/
Join us at our online New Year, New Me Financial Freedom Retreat Jan. 10-12, 2025 (online) and our Rebalancing Masterclass (Capture Gains & Protect Principal) on Jan. 18, 2025. Learn how to: * Invest in hot industries, such as Nvidia and artificial intelligence, * 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 and EVs), * Evaluate stocks, * 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 New Year, New You Financial Freedom Retreat Jan. 10-12, 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 7-14, 2025. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. There is very limited availability. Register now. There is only 1 room available. This retreat includes an all-access pass to all of our online training for a full year for two, and three 50-minute private, prosperity coaching sessions. Much more affordable than you might think. Email [email protected] to learn more.  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money 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 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 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? The Chips are Down. ASML, Intel and Super Micro Computer Plunge. Is Nvidia Next. Will Insurance Companies & Homeowners Weather the Hurricanes? 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Will Boeing Be Booted Out of the Dow Jones Industrial Average? Arkansas Sues Temu for Data Theft. We Must Be the Boss of Our Money. Why? Oil Prices Tumble. Why? Sweepstakes for the Release of The ABCs of Money. 6th Edition. Should You Go Conservative or Aggressive? 5% Yield without those Pesky Paper Losses. The Dow Drops 1400 Points. 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. Stocks Keep Hitting New Highs. Are You Thinking "Capture Gains?" Nvidia Volatility. Salesforce Drops. Election Years With Negative Yield Curves = ?. 5 Green Tips for Clean Beaches Week. Nio Sales Expected to More Than Double in 2Q 2024. So, You Think You Want to Be a B&B Owner... Artificial Intelligence and Crypto Scam Alert by the SEC. Netflix Evicts Unpaid Viewers. Empty Theaters. 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. AI, Gold & Copper are on Fire. Sunpower Doubled. Sell in May and Go Away? What About the Election? Vacations that Color Our World Forever. The Magnificent 7 Drop to the Fantastic 5 9 Inflation, Budgeting, Debt Reduction and Investing Solutions. China & Russia Double Their Gold Holdings. 2024 Investment of the Year? The Reddit IPO. Meme Stock or Snap Land? Tesla's Factory in Germany Taken Offline by Activists. Bitcoin Sets a New Record High. The Importance of Rebalancing. Beyond Meat's Shares Surge. Quaker Oats' Pesticide Problem. Stocks are Flying High. Why Aren't Mine? Cut Your Tax Bill in Half. 9 Tips. Celebrity Jet CO2. Green Washing. The Facts. Some Solutions. Copper: Essential to the Clean Energy Transition. Uh. Oh. More Bank Trouble. Are Amazon, Square and Other Tech Companies Ripping Us Off? Housing. Unaffordable. What Works? Case studies and creative solutions. Don't Reach for Yield. Closed-End Funds. 2024 Investor IQ Test. Answers to the 2024 Investor IQ Test. Apple's Woes Drag Down the Dow. The Winners & Losers of 2023. Ozempic, Magnificent 7 & Beyond. 2024 Crystal Ball. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. A Spectacular Year for 3 of the Magnificent 7. The Best ROI* (Almost 40%!) & 7 Life Hacks That Save Thousands. Portugal Eliminates Tax Advantages for Ex-Pats. Earn $50,000 or More in Interest. Safely. Finally. WeWork's Bankruptcy. Half-Empty Office Buildings. Problems in our Personal Wealth Plan. Solutions for Unaffordable Housing. Cruise Ships Give Freebies to Investors. Should You Take the Bait? Should You Take a Cruise? Bonds. Banks. The Treacherous Landscape of Keeping Our Money Safe. 7 Rules of Investing 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. China Bans Apple 11-Point Green Checklist for Schools. Artificial Intelligence and Nvidia's Blockbuster Earnings Report Biotech in a Post-Pandemic World 10 Wealth Secrets of Billionaires and Royals. What Happened to Cannabis? Bank of America has $100 Billion in Bond Losses (on Paper) Lithium. Essential to EV Life. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Are There Any Safe, Green Banks? 7 Ways to Stash Your Cash Now. Lessons from the Silicon Valley Bank Failure. Which Countries Offer the Highest Yield for the Lowest Risk? 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 12-Step Guide to Successful Investing. 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 or funds 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 a diversified strategy, which has been designed with the assistance of a financial professional who is 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 and patience. 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. Securities, financial instruments or strategies mentioned herein may not be suitable for all investors.  An Earth Goddess riding an elephant, in the style of Van Gogh. Generated by Facebook AI.
Robo Investing and AI. No, They are Not Foolproof. One look at the images above and their captions reveals some of the inherent flaws of artificial intelligence. Look closely at the descriptions and see how well artificial intelligence got to creating a picture from the prompt. While the images are captivating, they seem unaware that the prompt was to start with an actual person -- even one as well-known as H.M. King Charles III. As another example of an AI glitch, I was staying at an Airbnb. AI figured out the address I was staying at, and sent me an ad for small dog food. A small dog did actually live at that address. However, it did not belong to me. _2022-08-28.png) While AI does better with the prompt, “an astronaut riding a horse in the style of Picasso,” it’s certainly no masterpiece. Nor does it really imitate Picasso's style very well. So, if images and ads aren’t easy, how great are the robo-plans for your wealth? Could they be missing important information, or putting you in high-risk investments that might seem to be safe from the title or description? Are you missing out on the explosive growth of the AI industry itself? Below are the topics I’ll address in this blog. Is AI Smarter than Humans? Poor Programming Greed Last-Century Strategies Exposure to Industries or Countries That are Risky Misleading Labels Undercapitalized Fund Companies And here is more information on each point. Is AI Smarter than Humans? Wall Street is in love with artificial intelligence. Investors have made Nvidia the most valuable company in the world. Aside from how much you should invest in AI, there is the question of how much you should trust AI to do your investing for you. Everything that artificial intelligence is creating is drawing from the programming and habits of humans. I recently took a robotaxi. It’s driving on streets constructed by homo sapiens, and using human-built cameras and programming to navigate. A similar process is used for robo-investing. If the programmer and road maps are great, then the experience might be pleasant – unless there is an abrupt shift in the landscape. Some of the robo-brokerages are using some sort of modified Modern Portfolio Theory, just as we use in our pie chart system. However, the funds that they are calling diversified are not necessarily as diversified as you might think. A sample portfolio that I looked at had funds with names that didn’t truly represent the holdings and had put the investor in a country that is quite clearly out of favor at this time. The funds are often limited within a narrow range of possibilities to choose from. Old-school brokerages will tell you there’s no need to use AI because they have one or two funds that can do everything for you (except perform well and protect your principal, but that’s another blog). Poor Programming I just created a Robo portfolio on my personal brokerage account. I answered all the questions as if I were someone in retirement who had no appetite for risk. I ended up with a portfolio that was 50% bonds, 40% stocks and 10% cash. There are a couple of challenges to this. One is that if I’m already in retirement, chances are that I’m over 65. An age-appropriate plan would keep at least 65% safe. We are currently overweighting safe based upon data-driven market analysis – another tool that the AI program was missing. A retired person overweighting safe might have most of their nest egg investments in safe assets – not necessarily bond funds or cash. (We cover what’s safe for a full day at our Financial Freedom Retreat.) In today’s Debt World, fixed income, which is traditionally considered “safe,” can be very risky. Bonds lost more than stocks did in 2022, and continue to suffer from low credit quality and duration risk. So, there are many important nuances that the AI wealth plan wasn’t programmed to factor in. (If the program isn’t taught to do this, chances are the broker-salesmen aren’t either.) Greed Sadly, most of our goods are sold to us by someone who is incentivized and/or pressured to sell us things that might not be in our best interest. We might be convinced to buy more home than we can afford or a snazzier car than we need for our commute. Up to 82% of homebuyers in the last couple of years have buyer’s remorse and feel that the process was misrepresented to them in one way or another. They felt pressure to purchase without doing proper due diligence, or were relying upon the assurances of the broker-salesman, without reading the fine print. These homebuyers are aware of their displeasure because so many are taking on debt or struggling to make their mortgage. That is not the case with most investors – yet. Stocks keep hitting new highs, so it’s easy to be complacent and think things are going great, even with a plan that is underperforming, experiencing paper losses or is vulnerable to an implosion in the next recession. Again, the selections that the artificial intelligence has to choose from will be provided by the computer programmers who work for the brokerage. So, the robo-investing will reflect the ethos of the company that they work for. An old-school brokerage might want to sell you target date mutual funds (underperforming, higher fees, everything-and-the-kitchen-sink). A newer brokerage might have a deal with only a few fund companies. Both might give you a few options that have similar and limited exposure to only one area of the market. Last-Century Strategies There are still a lot of retirement and investment products that were designed in the 20th Century. Sometimes these last-century choices are the only option in our employer-based plan. Other times, we might find them in our wealth plan because the funds pay higher commissions to the broker-salesman than ETFs do. Many target date and mutual funds underperform the S&P500 (with even poorer performance compared to the NASDAQ Composite Index). Many also have some risky fixed-income investments, some of which have seen losses.  5-year performance of the Dow Jones Industrial Average (blue), compared to the S&P500 (pink) and the NASDAQ Composite Index (green). Source: Money.msn.com. Copyright Microsoft. Used with permission. 11.16.2024. Getting safe, protected, hot and diversified is as easy as a pie chart. We have a free web app where you can mock up your own personalized sample pie chart. Email [email protected] to access the web app. If you are self-directing, this is likely less time and money with better performance and protection than you’d spend with someone else (or AI) managing your plan for you. If you are constrained by your employer-based plan, there are still ways to adopt the strategy, with a carefully crafted blueprint. Learning the life math that we all should have received in high school and college will make this process much easier. Join us at our Jan. 10-12, 2025 New Year, New You Financial Freedom Retreat. Exposure to Industries or Countries That are Risky One of the robo-selected funds had a lot of Chinese companies. China is considered to be a repressed economy, which many fiduciaries will not touch. Chinese equities have been out of favor since early 2021. Many funds have lost 30% or more in the last three years. Investors have been recalcitrant to venture back in while tensions are running so hot between China and the U.S. Meanwhile, the iShares MSCI Peru ETF is trading at a 5-year high, with a yield that is 61% higher than the Chinese fund as well. (Copper is high; Peru has been one of our hot countries for a few years.) The iShares Australia ETF is also performing better in both share price gains and yield. What kind of prompt would you need to write in order to discover these funds? It’s easy to understand which countries are hot, and which are not, at our retreats and master classes. You’ll also learn where to access the data to make the discovery on your own. Misleading Labels One of my private coaching clients created a robo-portfolio with the prompt that she wanted ESG*. As I mentioned in my blog, ESG Investing is Missing the E, many ESG funds draw their selections from the S&P Global ESG Index. Just 20 of the world’s largest fossil fuel companies are responsible for over 1/3 of the CO2 in the atmosphere. Two of the Top 10 worst polluters – Chevron and ExxonMobil – are included in the S&P Global ESG Index. (Those are not all of the problematic companies that are included.) *ESG: Environment, social and governance Did you know that investment grade bond funds can have up to 20% junk bonds in them? Poor credit quality, alongside duration risk, are responsible for the losses in many bond funds – something we’ve been warning about at our Financial Freedom Retreats since 2010.  The losses of the Pimco BOND fund over the last 5 years is representative of a lot of bond funds (something we've been underweighting for over a decade). Source: Money.MSN.com. (c) Microsoft. Used with permission. 11.16.2024. Undercapitalized Fund Companies In our employer-based plan and in the AI-designed portfolio, we are offered very few choices. Some of the fund companies might not be well-capitalized. In today’s world of so much debt and leverage, particularly in financial services, it’s important to make sure that we are purchasing our funds from well-established companies with high credit ratings. Yes, there is an SIPC fund that will try to recover our money in the event of a problem. However, that fund is fairly small, and the process of recovery could be long, arduous and painful. Best to try to avoid that – particularly as we have seen problems with smaller, undercapitalized fund companies, such as MF Global, Direxion and others. Bottom Line Computers are only as good as the people who program them. The industry itself has certain challenges that we should be aware of, including:
Some of us are aware of these issues now, while others might be relying on the headlines that stocks are high, thinking that all is going great with their plan. As Warren Buffett always says, “Only when the tide goes out do you learn who has been swimming naked.” With stocks hitting new highs regularly for the past two years, all plans, even faulty ones, look pretty good (with the exception of conservative plans, many of which lost money due to the weakness in long-term bonds). However, it’s important to never confuse a bull market with wisdom, and to always fix the roof while the sun is still shining. When we wait for the economic storms to hit, it’s too late to protect our wealth. We have to clean up the mess and rebuild. (It took the NASDAQ Composite Index 15 years to crawl back to even after the Dot Com Recession.) So now is the perfect time to dig into the details of our wealth plan, to be the boss of our money, and not just place our future in the hands of robots, AI or broker-salesmen. Self-directed investing is actually as easy as picking 10 well-diversified funds and always keeping a percent equal to your age safe. This system, with 1-3 times a year rebalancing, is time-proven since 1999. It earned gains in the Dot Com and Great Recessions and outperformed the bull markets in between. Learning the life math that we all should’ve received in high school is as important as getting a career. If we simply deposit 10% of our income into tax-protected retirement accounts and that earns a 10% gain, we’ll have more money than we make in 7.5 years and our money makes more than we do in 25 years. This is the secret to financial freedom, and it doesn’t take a genius or a robot to achieve it.
Join us at our online New Year, New Me Financial Freedom Retreat Jan. 10-12, 2025 (online) and our Rebalancing Masterclass (Capture Gains & Protect Principal) on Jan. 18, 2025. Learn how to: * Invest in hot industries, such as Nvidia and artificial intelligence, * 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 and EVs), * Evaluate stocks, * 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 New Year, New You Financial Freedom Retreat Jan. 10-12, 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 7-14, 2025. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. There is very limited availability. Register now to ensure that you get the exact room you want. This retreat includes an all-access pass to all of our online training for a full year for two, and three 50-minute private, prosperity coaching sessions. Much more affordable than you might think. Email [email protected] to learn more.  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money 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 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 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? The Chips are Down. ASML, Intel and Super Micro Computer Plunge. Is Nvidia Next. Will Insurance Companies & Homeowners Weather the Hurricanes? 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Will Boeing Be Booted Out of the Dow Jones Industrial Average? Arkansas Sues Temu for Data Theft. We Must Be the Boss of Our Money. Why? Oil Prices Tumble. Why? Sweepstakes for the Release of The ABCs of Money. 6th Edition. Should You Go Conservative or Aggressive? 5% Yield without those Pesky Paper Losses. The Dow Drops 1400 Points. 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. Stocks Keep Hitting New Highs. Are You Thinking "Capture Gains?" Nvidia Volatility. Salesforce Drops. Election Years With Negative Yield Curves = ?. 5 Green Tips for Clean Beaches Week. Nio Sales Expected to More Than Double in 2Q 2024. So, You Think You Want to Be a B&B Owner... Artificial Intelligence and Crypto Scam Alert by the SEC. Netflix Evicts Unpaid Viewers. Empty Theaters. 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. AI, Gold & Copper are on Fire. Sunpower Doubled. Sell in May and Go Away? What About the Election? Vacations that Color Our World Forever. The Magnificent 7 Drop to the Fantastic 5 9 Inflation, Budgeting, Debt Reduction and Investing Solutions. China & Russia Double Their Gold Holdings. 2024 Investment of the Year? The Reddit IPO. Meme Stock or Snap Land? Tesla's Factory in Germany Taken Offline by Activists. Bitcoin Sets a New Record High. The Importance of Rebalancing. Beyond Meat's Shares Surge. Quaker Oats' Pesticide Problem. Stocks are Flying High. Why Aren't Mine? Cut Your Tax Bill in Half. 9 Tips. Celebrity Jet CO2. Green Washing. The Facts. Some Solutions. Copper: Essential to the Clean Energy Transition. Uh. Oh. More Bank Trouble. Are Amazon, Square and Other Tech Companies Ripping Us Off? Housing. Unaffordable. What Works? Case studies and creative solutions. Don't Reach for Yield. Closed-End Funds. 2024 Investor IQ Test. Answers to the 2024 Investor IQ Test. Apple's Woes Drag Down the Dow. The Winners & Losers of 2023. Ozempic, Magnificent 7 & Beyond. 2024 Crystal Ball. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. A Spectacular Year for 3 of the Magnificent 7. The Best ROI* (Almost 40%!) & 7 Life Hacks That Save Thousands. Portugal Eliminates Tax Advantages for Ex-Pats. Earn $50,000 or More in Interest. Safely. Finally. WeWork's Bankruptcy. Half-Empty Office Buildings. Problems in our Personal Wealth Plan. Solutions for Unaffordable Housing. Cruise Ships Give Freebies to Investors. Should You Take the Bait? Should You Take a Cruise? Bonds. Banks. The Treacherous Landscape of Keeping Our Money Safe. 7 Rules of Investing 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. China Bans Apple 11-Point Green Checklist for Schools. Artificial Intelligence and Nvidia's Blockbuster Earnings Report Biotech in a Post-Pandemic World 10 Wealth Secrets of Billionaires and Royals. What Happened to Cannabis? Bank of America has $100 Billion in Bond Losses (on Paper) Lithium. Essential to EV Life. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Are There Any Safe, Green Banks? 7 Ways to Stash Your Cash Now. Lessons from the Silicon Valley Bank Failure. Which Countries Offer the Highest Yield for the Lowest Risk? 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 12-Step Guide to Successful Investing. 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 or funds 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 a diversified strategy, which has been designed with the assistance of a financial professional who is 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 and patience. 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. Securities, financial instruments or strategies mentioned herein may not be suitable for all investors.  Stocks Soar as the DJIA Welcomes Nvidia and Sherwin-Williams Stocks soared on Nov. 6, 2024, to new all-time highs. Election elation was in full swing. However, there was other good news waiting in the wings. On Friday, November 8, 2024, Intel and Dow Inc. get the boot, and Nvidia and Sherwin-Williams will be welcomed into the Dow Jones Industrial Average Index. These two companies will join 28 other companies in the 30-component index. The DJIA has been freshening up the index, which now includes Amazon, Apple, Microsoft and Nvidia – 4 out of the Magnificent 7 companies (minus Meta, Google and Tesla). So, is the DJIA now preferable to the S&P500? Here are the topics we’ll cover in this blog. In With the Champions, Out With the Duds Will the AI Bubble Pop? How Hot are the 30 DJIA Companies? S&P500 Performance Versus DJIA And here is more information on each topic. In With the Champions, Out With the Duds It’s easy to see from the graph below that Nvidia is a company with far greater prospects than Intel at this moment in time.  Nvidia has become the most valuable corporation on the planet, surpassing Apple last week, with a current market cap of $3.57 trillion. As I mentioned in my chip blog of Oct. 16, 2024, semiconductor companies have become a tale of two cities. Generative AI is all the rage, and Nvidia is the world leader. Meanwhile, semiconductors that are integral to the automotive and industrial industries, such as Intel, are experiencing a pullback in CAPEX spending by their customers. You can see that in the analysis graph above where Nvidia’s year-over-year sales growth more than doubled, while Intel’s revenue is -6.17% lower than the same quarter a year ago. Will the AI Bubble Pop? While investors are excited about the new companies in the DJIA, pushing the index to a new all-time high on Nov. 6, 2024 (also on election elation), there are also a few analysts warning of a potential bubble in artificial intelligence companies. There are typically two cycles in any new industry. The first phase is an explosion of hype, possibility and investor interest which drives valuations to the nether sphere. Then the bubble pops. The best companies survive, but not without getting drug down in the fallout. As one example, Apple launched the game-changing iPhone smart phone on June 29, 2007. However, between the iPhone launch and the bottom of the Great Recession on March 9, 2009, share prices of Apple lost almost -60% of their value, dropping from $7.25 on Dec 27, 2007, to $2.94 Jan. 30, 2009. Yes, hanging on seems like a great deal. However, when you lose 60% of your wealth, you might have to sell low to cover bills or sleep at night. (Rebalancing at least once a year and maintaining a diversified, age-appropriate wealth plan is always in season. Click to access our Rebalancing IQ Test.) Nvidia, like Apple, is likely to be one of the most exciting companies in the world for many years to come. However, the Dow Jones Industrial Average index is adding Nvidia at an all-time high. The price earnings ratio is 68 – staggering even for a company with Nvidia’s growth, which is one of the reasons why the share price has traded in a very narrow range since June of this year. The good news is already baked in. The company had $30 billion in net income last year and is worth over $3.6 trillion. (How many small business owners would love to enjoy valuations that are 68 times their net income!) The Dot Com Bubble reminds us just how expensive supernovas can be when they burst. The NASDAQ Composite Index and Dot Com stocks were just as popular and noteworthy in 1999 as artificial intelligence is today. Everyone was bragging about their AOL gains, until AOL and Time-Warner merged – after which Ted Turner bemoaned losing $7 billion in a day. Between March 2000 and October 2002, the NASDAQ lost -78% of its value. $1 million plunged to $220,000. It took 15 years for the NASDAQ Composite Index to crawl back to its March 2000 highs.  The best companies will survive. Infoseek and Excite (search engine and portal) went bankrupt, while Google went on to launch one of the most successful IPOs of all time (in 2004). Like Google, Nvidia will remain relevant and prosper in the decades to come. However, even exceptional companies in the industry of the future can experience volatile swings in valuation. How Hot are the 30 DJIA Companies? Even with the addition of Amazon, Apple, Microsoft and Nvidia, most (23) of the DJIA were founded before 1975. Merck was founded in 1668! While their names might be household names, such as Coca-Cola, Johnson & Johnson, Walmart, and McDonald’s, older companies tend to be overleveraged, with very high debt, and slow or negative earnings growth. Email [email protected] if you'd like a list of the 30 DJIA components. As an example, Boeing is still one of 30 companies in the DJIA. Boeing’s credit rating is at the lowest rung of investment grade (BBB-, with a negative outlook). While the end of the machinist’s strike on Monday, Nov. 4, 2024, was welcome news, Boeing has a long way to go to turn around from the plane crashes, leaving astronauts stranded on the space station, and to crawl out of the threat of a downgrade to junk status (which would likely cause a delisting from the DJIA). Additionally, a lot of the DJIA components have a very big CO2 footprint. How many of us are aware that 3M is a petrochemical company that was forced to pay a $2.3 billion settlement for pollution due to its forever chemicals, or that over half of each barrel of oil is used to make plastic, polyester, asphalt, vinyl, rubber, and other petrochemical products that touch our lives daily? Learn more in my blog, “DJIA: Full of Fossil Fuels and Forever Chemicals.” S&P500 Performance Versus DJIA Over the past two years, the S&P 500 has scored very impressive gains. The total return of 2023 was 26%, and the index has risen another 26% year to date in 2024. As you can see in the chart below, this is far above the performance of the DJIA. The NASDAQ Composite Index has even more spectacular returns. This illustrates why it’s important for us to know what we own, and have an age-appropriate, diversified portfolio that includes growth, value, small, medium, large and hot industries, such as artificial intelligence.  Source: MSN.com (c) Microsoft. Used with permission. Bottom Line Even with Nvidia joining the DJIA, there are many reasons to opt for the S&P500 instead – even better if we diversify into large cap value and growth, which perform differently and have unique roles in our wealth plan. (The DJIA & S&P500 are core indices with both value and growth in them.) It’s also important to remember small caps outperform large caps (traditionally), whereas the large caps tend to offer stability. All stocks can fall in a recession, which is why it is just as key to keep at least a percentage equal to our age safe, and to know what is safe in a world where long-term bonds lost more than stocks in 2022 (and haven’t clawed back the losses). You can read about our time-proven, diversified wealth plan in The ABCs of Money 6th edition. You can learn and implement this easy strategy at our Financial Freedom Retreat, which will be held online January 10-12, 2025. If you would like an unbiased 2nd opinion of your current plan, email [email protected] for pricing and information about my private coaching.  Join us for our Online New Year, New You Financial Freedom Retreat Jan. 10-12, 2025. Email [email protected] or call 310-430-2397 to learn more. Register by Nov. 15, 2024 to receive the best price. Click for testimonials, pricing, hours & details.  Join us for our Restormel Royal Immersive Adventure Retreat. March 7-14, 2025. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. There is very limited availability. Register now to ensure that you get the exact room you want. This retreat includes an all-access pass to all of our online training for a full year for two, and three 50-minute private, prosperity coaching sessions. Much more affordable than you might think. Email [email protected] to learn more.  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money 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 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 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? The Chips are Down. ASML, Intel and Super Micro Computer Plunge. Is Nvidia Next. Will Insurance Companies & Homeowners Weather the Hurricanes? 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Will Boeing Be Booted Out of the Dow Jones Industrial Average? Arkansas Sues Temu for Data Theft. We Must Be the Boss of Our Money. Why? Oil Prices Tumble. Why? Sweepstakes for the Release of The ABCs of Money. 6th Edition. Should You Go Conservative or Aggressive? 5% Yield without those Pesky Paper Losses. The Dow Drops 1400 Points. 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. Stocks Keep Hitting New Highs. Are You Thinking "Capture Gains?" Nvidia Volatility. Salesforce Drops. Election Years With Negative Yield Curves = ?. 5 Green Tips for Clean Beaches Week. Nio Sales Expected to More Than Double in 2Q 2024. So, You Think You Want to Be a B&B Owner... Artificial Intelligence and Crypto Scam Alert by the SEC. Netflix Evicts Unpaid Viewers. Empty Theaters. 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. AI, Gold & Copper are on Fire. Sunpower Doubled. Sell in May and Go Away? What About the Election? Vacations that Color Our World Forever. The Magnificent 7 Drop to the Fantastic 5 9 Inflation, Budgeting, Debt Reduction and Investing Solutions. China & Russia Double Their Gold Holdings. 2024 Investment of the Year? The Reddit IPO. Meme Stock or Snap Land? Tesla's Factory in Germany Taken Offline by Activists. Bitcoin Sets a New Record High. The Importance of Rebalancing. Beyond Meat's Shares Surge. Quaker Oats' Pesticide Problem. Stocks are Flying High. Why Aren't Mine? Cut Your Tax Bill in Half. 9 Tips. Celebrity Jet CO2. Green Washing. The Facts. Some Solutions. Copper: Essential to the Clean Energy Transition. Uh. Oh. More Bank Trouble. Are Amazon, Square and Other Tech Companies Ripping Us Off? Housing. Unaffordable. What Works? Case studies and creative solutions. Don't Reach for Yield. Closed-End Funds. 2024 Investor IQ Test. Answers to the 2024 Investor IQ Test. Apple's Woes Drag Down the Dow. The Winners & Losers of 2023. Ozempic, Magnificent 7 & Beyond. 2024 Crystal Ball. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. A Spectacular Year for 3 of the Magnificent 7. The Best ROI* (Almost 40%!) & 7 Life Hacks That Save Thousands. Portugal Eliminates Tax Advantages for Ex-Pats. Earn $50,000 or More in Interest. Safely. Finally. WeWork's Bankruptcy. Half-Empty Office Buildings. Problems in our Personal Wealth Plan. Solutions for Unaffordable Housing. Cruise Ships Give Freebies to Investors. Should You Take the Bait? Should You Take a Cruise? Bonds. Banks. The Treacherous Landscape of Keeping Our Money Safe. 7 Rules of Investing 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. China Bans Apple 11-Point Green Checklist for Schools. Artificial Intelligence and Nvidia's Blockbuster Earnings Report Biotech in a Post-Pandemic World 10 Wealth Secrets of Billionaires and Royals. What Happened to Cannabis? Bank of America has $100 Billion in Bond Losses (on Paper) Lithium. Essential to EV Life. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Are There Any Safe, Green Banks? 7 Ways to Stash Your Cash Now. Lessons from the Silicon Valley Bank Failure. Which Countries Offer the Highest Yield for the Lowest Risk? 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 12-Step Guide to Successful Investing. 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 or funds 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 a diversified strategy, which has been designed with the assistance of a financial professional who is 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 and patience. 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. Securities, financial instruments or strategies mentioned herein may not be suitable for all investors.  Native copper. Wiki Commons. Used with permission. Copper. The iShares Peru ETF (symbol: EPU) Outperformed the S&P500 in 2024 (year-to-date), Chile is the #1 producer of copper in the world, while Peru is #2. Copper is essential to electricity, EVs, and the transition to renewables. However, reduced demand in China and rising inventories have led Goldman Sachs to cut its 2025 forecast for prices from $15,000/metric ton to $10,100 (source: Bloomberg). What does this mean for copper mining companies and the top-producing countries? Below are the topics we’ll cover in this blog. Copper Prices Copper: High Demand Chile vs. Peru Argentina’s Recession (McEwen Copper) Country Diversification ETFs And here is more color on each point. Copper Prices When you look at the headline and the forecast, it might appear that copper prices are going to tank in 2025. However, that summation is erroneous. One look at the chart below tells a better story. At $9,237/metric ton, today's copper price is actually near an all-time high.  The all-time high for copper was $11,464 per metric ton, set on May 20, 2024. The new forecast of $10,100 is still quite high, which is why many publicly-traded copper mining corporations are reporting 17%-38% year-over-year sales growth and double-digit net profit margins. Hudbay Minerals, Southern Copper and Freeport-McMoran are also sporting very high price-earnings ratios. Email [email protected] if you’d like an updated Copper Stock Report Card. Copper: High Demand The two largest economies in the world – the U.S. and China – are both experiencing a slowdown in economic growth, which is negative for copper. Conservative governments tend to put the kibosh on clean energy projects, which could subdue copper demand. However, the automotive industry is in the middle of a transition from ICE* to EV, with China leading the charge. 8.1 million EVs were sold in China in 2023, with 11.4 million in sales forecasted for 2024. In July of 2024, more than half (51%) of all vehicles sold in the country were battery electric or plug-in hybrid. Tesla is worth more than General Motors, Ford Motor Company and Toyota Motor Company combined. The move toward EVs seems well-entrenched. *Internal Combustion Engine On the other hand, copper inventories are rising. Freeport-McMoran has increased their inventory by 43% over the past three years, from $4.5 billion in 2021 to $6.4 billion in 2024. However, the company expects “the deferral of approximately 85 million pounds of copper and 85 thousand ounces of gold… to be sold as refined metal in 2025.” 2025 is expected to see more demand than supply, so this foresight by Freeport could prove to be a great business strategy -- stockpiling to sell during a period of high demand and low supply. UBS is projecting a deficit in copper supply of 200,000 tons in 2025. Chile vs. Peru Chile is the #1 copper producer in the world, while Peru is #2. Chile is ranked higher on the Index of Economic Freedom than Peru and has a higher credit rating. Yet, since early 2022, we’ve leaned into Peru in our country diversification ETF, while underweighting Chile. Why? Chile’s economic growth has lagged behind Peru’s over the past few years. That bet paid off. The iShares Peru ETF (symbol: EPU) is trading at an all-time high, with cumulative share price gains of 47% since 2022. The current yield is 3.90%. Both countries face a delicate balance of environmental protection, while also trying to streamline business procedures to encourage mining and capital investment – which are key to their exports. Copper is the kinpin of both economies. If the price of copper stays high (as predicted), Chile and Peru benefit – particularly with more interest rate cuts on the horizon. If copper prices drop, both countries will suffer, with Peru in danger of getting a rate cut. Fitch Ratings has had a BBB rating with a negative outlook for Peru since October 2022. Argentina’s Recession (McEwen Copper) Argentina was one of the few countries that experienced a recession this year. Fitch Ratings notes that the economy likely bottomed out in April, with an annual contraction of -3.6%. 2025 could be a recovery year, however, with the IMF projecting GDP growth of 5% in Argentina -- above Peru (2.6%), Chile (2.4%), and even the United States (2.2%). Argentina’s President Javier Milei is an economist, which gives companies like McEwen Copper greater confidence in their Argentine business operations. McEwen Mining hosted their 3Q 2024 earnings call on Wed. Nov. 6, 2024. (Click to hear it back.) In the 3rd quarter of 2024, McEwen Mining enjoyed year-over-year revenue growth of 36%, to $52.3 million. This was as a result of higher gold and silver prices, as well as increased production at their 100%-owned mines. Yet this company is one of the few in the gold/silver/copper industry that is undervalued. The most recent round of funding by McEwen Copper puts the post-money value of that company at $984 million, of which McEwen Mining owns 46.4% ($456.6 million). 2023 revenue at McEwen Mining was $166.23 million. McEwen Mining’s current market value is $643 million. Why aren’t investors piling in on the potential for McEwen Copper and McEwen Mining? It has to do with an extended rough period (hopefully behind them) for McEwen when gold and silver prices were low, operations were cash negative (while the company develops McEwen Copper in Argentina with partners, including Rio Tinto), and the fact that McEwen Copper is still pre-production. A McEwen Copper Feasibility Study is expected to be published in the first half of 2025. If this study is impressive, investors might be attracted back to McEwen Mining (symbol: MUX), particularly if copper prices remain high and the projected 2025 deficit in copper supply makes headlines. Argentina is a country with a very volatile political history, with a junk bond sovereign rating. McEwen Mining is a micro-cap company surrounded by companies worth $70-$100 billion. This makes McEwen Mining a risky bet. However, Rio Tinto and Stellantis have been willing to take that risk. The companies own 17.2% and 18.3% of McEwen Copper, respectively. Part of that has to do with their faith in Rob McEwen, the Chief Owner of McEwen Mining and a respected, 40-year veteran of the mining industry. Country Diversification ETFs If you peek into the industry breakdown of most U.S. funds (both ETFs and mutual funds), you’ll find them very light on copper and materials. That makes it difficult to invest in the surge of copper in your retirement account. If you have a self-directed plan or an individual retirement account, one of the easiest ways to get exposure to copper is to invest in Peru. The added benefits of an ETF like iShares Peru ETF (symbol: EPU) include:
As you can see in the chart below, the iShares Peru ETF performed above the S&P500 in 2024 (42% share price gains vs. 27%), while offering a competitive yield of 3.90% that was double that of most U.S. based value funds.  Bottom Line Each year, what’s hot and what’s safe changes. It’s a good idea to examine the data to see if what’s hot (such as Peru) will continue to be. (This is why so many of our Brain Trust Volunteers attend our Financial Freedom Retreats at least once a year.) While there are risks, if the expected demand and constrained supply of copper materialize in 2025, Peru could continue to outperform the U.S.-based indices. Having said that, it’s always a good idea to rebalance and capture gains at least once a year. If you haven’t checked to see if your current wealth plan is age-appropriate and properly diversified, it’s a great idea to do this after the Santa Rally (assuming we have one this year). Take our Rebalancing IQ Test (click to access) and consider getting an unbiased 2nd opinion in our private coaching. Email [email protected] or call 310.430.2397 for pricing and information. While McEwen Mining (McEwen Copper’s largest shareholder) is a risky bet, this company has the most to gain from copper being so essential to renewable energy, EVs and the electric grid. Join us at our online New Year, New Me Financial Freedom Retreat Jan. 10-12, 2025 (online) and our Rebalancing Masterclass (Capture Gains & Protect Principal) on Jan. 18, 2025. Learn how to: * Invest in hot industries, such as Nvidia and artificial intelligence, * 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 and EVs), * Evaluate stocks, * 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 by Nov. 15, 2024 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 New Year, New You Financial Freedom Retreat Jan. 10-12, 2025. Email [email protected] or call 310-430-2397 to learn more. Register by Nov. 15, 2024 to receive the best price. Click for testimonials, pricing, hours & details.  Join us for our Restormel Royal Immersive Adventure Retreat. March 7-14, 2025. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. There is very limited availability. Register now to ensure that you get the exact room you want. This retreat includes an all-access pass to all of our online training for a full year for two, and three 50-minute private, prosperity coaching sessions. Much more affordable than you might think. Email [email protected] to learn more.  Natalie Wynne Pace is an Advocate for Sustainability, Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money 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 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 4 Ways to Celebrate World Sustainability Day, Oct. 30, 2024. Will There be a Santa Rally or will the Election Ruin Everything? The Chips are Down. ASML, Intel and Super Micro Computer Plunge. Is Nvidia Next. Will Insurance Companies & Homeowners Weather the Hurricanes? 9 Money Secrets of the Ultra Wealthy. Housing & Budgeting Solutions. Will Boeing Be Booted Out of the Dow Jones Industrial Average? Arkansas Sues Temu for Data Theft. We Must Be the Boss of Our Money. Why? Oil Prices Tumble. Why? Sweepstakes for the Release of The ABCs of Money. 6th Edition. Should You Go Conservative or Aggressive? 5% Yield without those Pesky Paper Losses. The Dow Drops 1400 Points. 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. Stocks Keep Hitting New Highs. Are You Thinking "Capture Gains?" Nvidia Volatility. Salesforce Drops. Election Years With Negative Yield Curves = ?. 5 Green Tips for Clean Beaches Week. Nio Sales Expected to More Than Double in 2Q 2024. So, You Think You Want to Be a B&B Owner... Artificial Intelligence and Crypto Scam Alert by the SEC. Netflix Evicts Unpaid Viewers. Empty Theaters. 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. AI, Gold & Copper are on Fire. Sunpower Doubled. Sell in May and Go Away? What About the Election? Vacations that Color Our World Forever. The Magnificent 7 Drop to the Fantastic 5 9 Inflation, Budgeting, Debt Reduction and Investing Solutions. China & Russia Double Their Gold Holdings. 2024 Investment of the Year? The Reddit IPO. Meme Stock or Snap Land? Tesla's Factory in Germany Taken Offline by Activists. Bitcoin Sets a New Record High. The Importance of Rebalancing. Beyond Meat's Shares Surge. Quaker Oats' Pesticide Problem. Stocks are Flying High. Why Aren't Mine? Cut Your Tax Bill in Half. 9 Tips. Celebrity Jet CO2. Green Washing. The Facts. Some Solutions. Copper: Essential to the Clean Energy Transition. Uh. Oh. More Bank Trouble. Are Amazon, Square and Other Tech Companies Ripping Us Off? Housing. Unaffordable. What Works? Case studies and creative solutions. Don't Reach for Yield. Closed-End Funds. 2024 Investor IQ Test. Answers to the 2024 Investor IQ Test. Apple's Woes Drag Down the Dow. The Winners & Losers of 2023. Ozempic, Magnificent 7 & Beyond. 2024 Crystal Ball. The Underperforming DJIA, Full of Fossil Fuels and Forever Chemicals. A Spectacular Year for 3 of the Magnificent 7. The Best ROI* (Almost 40%!) & 7 Life Hacks That Save Thousands. Portugal Eliminates Tax Advantages for Ex-Pats. Earn $50,000 or More in Interest. Safely. Finally. WeWork's Bankruptcy. Half-Empty Office Buildings. Problems in our Personal Wealth Plan. Solutions for Unaffordable Housing. Cruise Ships Give Freebies to Investors. Should You Take the Bait? Should You Take a Cruise? Bonds. Banks. The Treacherous Landscape of Keeping Our Money Safe. 7 Rules of Investing 13 Lifestyle Choices to Reduce Waste, Pollution & CO2 & Save a Boatload of Dough. China Bans Apple 11-Point Green Checklist for Schools. Artificial Intelligence and Nvidia's Blockbuster Earnings Report Biotech in a Post-Pandemic World 10 Wealth Secrets of Billionaires and Royals. What Happened to Cannabis? Bank of America has $100 Billion in Bond Losses (on Paper) Lithium. Essential to EV Life. Fiat. Crypto. Gold. BRICS. Real Estate. Alternative Investments. BRICS Currency. Will the Dollar Become Extinct? Are There Any Safe, Green Banks? 7 Ways to Stash Your Cash Now. Lessons from the Silicon Valley Bank Failure. Which Countries Offer the Highest Yield for the Lowest Risk? 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 12-Step Guide to Successful Investing. 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 or funds 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 a diversified strategy, which has been designed with the assistance of a financial professional who is 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 and patience. 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. Securities, financial instruments or strategies mentioned herein may not be suitable for all investors. |
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
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