Natalie Pace Blogs
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 2026 Rebalancing Your Nest Egg IQ Test Take this 20-Question IQ Test to see how much you really know about protecting your wealth, diversifying your nest egg, adding in Shoot the Moon performance and other time-proven, 21st-Century strategies. Regular rebalancing of our nest egg is essential. It is a buy low, sell high plan on autopilot that takes the emotions out of investing. There are many other benefits of making sure that our wealth plan is age-appropriate and properly diversified. Are you aware that 3.5% interest on a million dollars is $35,000 annually? Did you know that the S&P500 doubled over the last five years, or that target date retirement funds lost money over that same period? Let’s earn money while we sleep – safely – in this time-proven, easy plan. 2026 Rebalancing Your Nest Egg IQ Test
Answers are listed in the "Rebalancing IQ Test Answers 2026" blog at NataliePace.com. https://www.nataliepace.com/blog/ Email info @ NataliePace.com or call 310-430-2397 if you have any questions about this test, or about the answers, or if you are interested in learning time-proven, 21st Century investing, budgeting, debt reduction and home buying solutions that will transform your life. We offer affordable books, free videocoaching, live interviews and firesides, quarterly financial freedom retreats and masterclasses, and private coaching. Bottom Line Buy & Hope has been riding the Wall Street rollercoaster, losing half or more in recessions, which means many people must use the bull markets to make up losses, rather than building wealth. It’s easy to feel complacent when we hear that stocks keep hitting all-time highs, just as it is common to feel depressed in recessions. Proper diversification of an age-appropriate wealth plan that is rebalanced once, twice or three times a year keeps our wealth building – putting us on the right side of the trade, instead of having extended periods of desperation and losses. 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 Jan. 17-19 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 Dec. 1, 2025 to receive the best price. 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 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. 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. 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.  Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register with family and friends to receive the best price. Teens and college students can attend for just $99.  Join us for our Restormel Royal Immersive Adventure Retreat. Spring Equinox 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and four private, prosperity coaching sessions. There are only 6 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now.  Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Answers Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest 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. The 6 Rs of a Sustainable Holiday. Are We Headed for Another Crypto Winter? Black Friday - Cyber Monday Sales & Free Gifts. Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. The S&P500 Has Doubled Over the Last 5 Years. Which Industries Performed Best? Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? 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. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. 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. Will Oil Prices Sink or Soar? Executives are Uncertain. Health Savings Accounts. Save Thousands. Get a Tax Credit. Provide for Tomorrow's Healthcare Needs. Restormel Manor House 2025. A Truly Royal and Magical Adventure. 9 Ways to Cut Your Tax Bill in Half and Save Thousands Annually. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? 10 Rules of Successful Investing. Quantum Computing. 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 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. China & Russia Double Their Gold Holdings. 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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 Answers to the 2026 Rebalancing Your Nest Egg IQ Test 1. What does rebalancing mean? Rebalancing is doing a review of our wealth plan at least once a year to ensure that our current equity and fixed income holdings are age-appropriate, properly diversified and in line with our goals. 2. Why do we need to rebalance? Stocks and bonds gain or lose value throughout the year(s). Regular rebalancing of a properly diversified nest egg ensures that our wealth plan remains age-appropriate and properly diversified. Rebalancing is also a buy low, sell high plan on auto-pilot – a disciplined way to ensure that we keep our wealth growing, instead of riding the Wall Street rollercoaster up and down. Also, each year we get older. As we get closer to retirement, we want less “at risk,” and more of our money earning a steady income without losing our principal. 3. How often should we rebalance? 1-3 times a year. Why? If we’ve made a lot of gains, we capture them at the high. If the markets drop, the safe side of our plan protects us from losses, and gives us the liquidity to buy low. (Most people don’t buy low because they can’t. Buy and hope investors can lose half or more in recessions.) More than three times a year would be overkill. We’re more likely to make mistakes, or be driven by emotions. Our nest egg should be money while we sleep, not an obsession that we have to babysit. Most of us have day jobs. 4. What is the easiest way to rebalance our nest egg? Print out a sample pie chart of what we “should have.” (We have a free web app where you can personalize your sample pie chart.) Mock up a pie chart of your current holdings and their value. Compare what you have to what you should have. Sell high in the slices that are too large. Buy low in the slices that have become slivers. Simply email [email protected] with FREE SAMPLE PIE CHART in the subject line to receive a link to the web app. If you’ve never organized your holdings, then consider having an unbiased 2nd opinion from me in my private coaching program. Email [email protected] for pricing and information. What you receive: 1. An easy-to-understand pie chart of what you currently have. 2. An easy-to-understand pie chart of a plan that has worked great over the past 26 years, earning gains in the bear markets and outperforming the bull markets in between. 3. A Word document where I outline the areas of strength and weakness in your current plan and offers other time-proven strategies to consider incorporating into your current plan. This is an easy-to-follow action plan of how to protect your wealth. You’re the boss of your money. You can choose what you wish to incorporate and what you don’t. It’s much easier to make decisions about your wealth and future when you know what you own. FYI: you can have 18 pages of holdings, and still not be properly diversified and protected. It’s always a good idea to know exactly what you own and why, rather than relying on the word of someone else. No one cares about your money and future more than you do. 5. What are some of the fundamentals to properly diversifying our nest egg? Always keep a percentage equal to our age safe. Overweight or underweight safe based upon market conditions. Know what is safe in a Debt World. (What’s hot and what’s safe changes every year.) Diversify your at-risk equity holdings into ten funds – large, mid and small caps, value and growth, and four hot industries or countries. At our Investor Educational Retreat, we also teach you how to lean into the future and make sure that you are not investing in the typewriters of yesteryear, or companies that are drowning in debt, losing sales/revenue, and not making enough profit to meet their massive debt and overhead obligations. Check out the 10 Wealth Tips of the Rich at the top of this blog. 6. Which assets go into our nest egg? Liquid assets, such as stocks, bonds, funds, REITs, cash, money market funds, annuities, savings, cryptocurrency, etc. are all part of our nest egg. We often have multiple accounts, such as our employer retirement plan (401K or RSP), our personal IRA or TFSA, our checking, our savings, our crypto account, etc. All of these accounts are combined into one pie chart to aid us in getting a better understanding of how our current strategy measures up to an age-appropriate, time-proven system. 7. Which assets do not go into our nest egg? Hard assets, such as our home, income property and other real estate investments, with the exception of REITs (which are paper assets and go in our nest egg). Our business is also separate. Nest egg investments are “money while we sleep,” whereas our businesses and jobs take up a lot of our time. Our wealth might also include art, cars, jewelry and collectibles. These are part of our estate, but tend to be less liquid and are not able to be “rebalanced” in a nanosecond as most stocks and funds are. The same is true of our real estate – which is an illiquid asset. I often do, however, put gold or silver coins as hot slices of the pie chart. Precious metals are very liquid and experience volatile price swings. Having a plan for capturing gains, such as is outlined in our pie chart system, helps tremendously. 8. Should we invest in individual companies in our nest egg? Funds offer more protection than individual stocks, and require less babysitting. Most of us should not have individual companies in our nest egg – at least until we get as great at picking stocks as Warren Buffett. If you do wish to purchase an individual stock, think of it as Vegas Money – not our nest egg and future. We’ll need to babysit individual stocks, using many of the strategies that I teach in my annual Stock Masterclass. 9. What is the difference between value and growth? Value funds should have companies that are on sale. Value funds often pay a dividend. Growth funds include companies that are experiencing strong sales/revenue growth year over year. Growth funds typically offer more upside in capital gains, with more modest income. 10. What is the difference between small, mid and large cap funds? Small companies typically offer better performance. Trillion-dollar companies offer stability. So, it’s important to have both performance and stability in our plan. 11. Why do we evaluate the funds we own? There are many reasons to know what you own. The Magnificent 7 5 doubled in 2023, while the Dow Jones Industrial Average earned less than 14%. (We spend a day teaching this at our Financial Freedom Retreats.) We can lean into the products and services of tomorrow, and avoid last-century products and companies, many of which have an alarming amount of debt, with some losing a notable amount of money. We can begin to green our investments, and ensure that we are not profiting from polluters. 12. What kind of funds do we want to avoid? Some funds are filled with debt-laden, slow-growth companies that are paying dividends to keep investors interested, while putting their principal at risk of large losses. Just as with bonds, the higher the dividend the higher the risk of loss of principal. (Bonds lost -26% in 2022 – more than stocks! This is one reason why we spend a full day revealing what is safe in our 3-day Financial Freedom Retreats.)  13. What kind of funds do we want to own? The fund company itself should be a creditworthy company that has been around for decades, that is well-capitalized and is managed by a respected CEO. When diversifying, we can include foreign countries and hot industries, allocating four of our slices to performance funds. Never just search for a fund online and go with whatever the search or sponsored results reveal. We might end up with IJustStartedMyFundYesterday.com or a company that is highly leveraged and at risk of going out of business. A strategic plan might also help us to avoid capital gains in our crypto investing. 14. What is an “everything and the kitchen sink” fund? Is this a fund we want to own? Why or why not? These are funds (like target date retirement funds) that try to do everything in one product. These were designed for a Buy & Hold strategy – a last-century game plan that hasn’t worked in the 21st Century. They also tend to charge more in fees and pay higher commissions – incentivizing broker/salesmen to sell them, even if they aren’t the best choice for many investors. Many bond and target-date retirement funds have lost money over the last five years, at a time when the S&P500 doubled. 15. When do we switch out funds and pick something new? What’s hot changes every year. So, evaluate your hot slices when you do your rebalancing. If you don’t know what’s hot, this is where you can rely on an analyst with a great track record, or consider adding in an investment that you really believe in (such as a Bitcoin, artificial intelligence, copper, or a Magnificent 7 ETF). 16. What are some key dates to consider rebalancing? Why? September is historically the worst performing month. The Santa and Spring Rallies are typically the strongest. So, we might find some Back to School Stock Sales (fund sales) at the end of September. Early January and early May might be good profit-taking rebalancing times. 17. What kind of return are we aiming to achieve in our nest egg? 10% annualized gains, which is what stocks have done over the last 30 years (and used to be something we could count on for the fixed income side as well.). The Buy & Hope system has been losing more than half in recessions, and using the bull markets to make up losses.  Between 2022 and 2024, the fixed income side of our wealth plan earned a safe 5-ish% yield – but was tricky. As interest rates have gotten cut, the income drops as well. However, it’s important to remember that a 3.5% return on $1 million is $35,000. We want to achieve that without paper losses, which is only doable if we keep the terms short and the creditworthiness high. There is still too much credit and duration risk. Again, we spend one full day teaching what’s safe at the Financial Freedom Retreat. I also host a bond/fixed income masterclass each year. FYI: between 2009 and 2016, we encouraged people to avoid the risk of long-term bonds and lean into real estate instead. Real estate more than doubled. (As we say, “What’s hot and what’s safe changes every year.”) 18. How can dollar cost averaging help our strategy? If we want to add in a hot industry or fund that is trading at an all-time high, we can dollar-cost average, rather than just buying everything at once. That way if the markets keep going up, the gains fill up our slice for us. If the markets go down, we buy more at a lower price, instead of buying high and losing money. 19. How do we determine when to capture gains or buy more? That’s the beauty of the pie charts – they show us how to do the right thing. If our slice is too large, it is prompting us to capture gains and trim the slice back to where it should be. If the slice is too small, it is encouraging us to buy more low. This system smooths out volatility and keeps us on the right side of the trade – even in industries like technology, clean energy and cryptocurrency, which experience wild swings. Technology and cryptocurrency were the worst performers of 2022 and the best of 2023. Clean energy tripled in 2021, was back to all-time lows in 2024, and then performed exceedingly well (+45.20%) in 2025. Clean energy’s returns in 2025 were higher than Nvidia and more than double the performance of the S&P500. 20. What is the difference between a “Stop Loss” mindset and a “Capture Gains” mindset? Stop losses can actually increase your losses, rather than protect you, in a market that is such a rollercoaster, as Wall Street has been in the 21st Century. In a volatile market, if we set stop losses, we will be losing time and again. On the flip side, if we are anticipating the volatility and capturing gains during our rebalancing sessions, we will be winning over and over again. Regular rebalancing allows us to adopt a “Capture Gains” winning game plan. The best protection against a downturn is to have an appropriate amount safe – not at risk. So, the pie chart system protects our wealth better than a stop loss. When we we keep an age-appropriate amount safe, we are automatically protected from market volatility and losses. If we see economic storms on the horizon, overweight more safe. Bottom Line Of course, the devil is in the details. Implementing this strategy will be easier if you attend our Investor Educational Retreat. We also offer a Rebalancing Master Class every year. The next online courses are listed below. Rebalancing Masterclass ONLINE Jan. 10, 2026 https://www.nataliepace.com/rebalancing2026.html#/ Financial Freedom Retreat ONLINE Jan. 17-19, 2026 https://www.nataliepace.com/retreat202601.html#/ If you are a busy professional, or if you want to gain greater clarity on this plan (which is the life math that we all should have received in high school), consider getting an unbiased 2nd opinion from me in my private coaching practices. Email [email protected] for pricing and information. You’ll receive personalized pie charts and a wealth game plan in the 2nd opinion, which allows you to be in control and be the boss of your money – even if you have a financial advisor. (I don’t sell financial products, which is why my 2nd opinion is unbiased.) Email info @ NataliePace.com or call 310-430-2397 to register for one of our online training programs. These time-proven, 21st Century investing, budgeting, debt reduction and home buying solutions will transform your life. You can even learn to save thousands annually in your budget with more-informed big-ticket choices. 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 Jan. 17-19 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 Dec. 1, 2025 to receive the best price. 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 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. 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. 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.  Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register with family and friends to receive the best price. Teens and college students can attend for just $99.  Join us for our Restormel Royal Immersive Adventure Retreat. Spring Equinox 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and four private, prosperity coaching sessions. There are only 6 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now.  Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest 2026 Crystal Ball. Is the AI Bubble About to Pop? A+ 2025 Performance Report Card with Bragging Rights. The 6 Rs of a Sustainable Holiday. Are We Headed for Another Crypto Winter? Black Friday - Cyber Monday Sales & Free Gifts. Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. The S&P500 Has Doubled Over the Last 5 Years. Which Industries Performed Best? Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? 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. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. 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. Will Oil Prices Sink or Soar? Executives are Uncertain. Health Savings Accounts. Save Thousands. Get a Tax Credit. Provide for Tomorrow's Healthcare Needs. Restormel Manor House 2025. A Truly Royal and Magical Adventure. 9 Ways to Cut Your Tax Bill in Half and Save Thousands Annually. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? 10 Rules of Successful Investing. Quantum Computing. 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 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. China & Russia Double Their Gold Holdings. 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.  Crystal Ball 2026 Will stocks soar even higher? Will the safe havens gold and silver continue to rule the day? Will crypto join the party or head for a Crypto Winter? What about the other hot countries and hot sectors we’ve been leaning into? Are they still desirable? Should you continue to use value replacement funds? How can you get a safe income without paper losses? All this and more in my Crystal Ball 2026 blog. Be sure to join my Crystal Ball 2026 videoconference on Thursday, Jan. 8, 2026, at 4 pm PT (7 pm ET). Email [email protected] for the logon information. Watch or listen back at https://www.youtube.com/nataliepace and https://nataliepace.substack.com/. Subscribe there so that you are always alerted when a new podcast/videoconference is published. General Outlook: Optimistic Uncertainty with Notable Risks to the Downside One of the most frequent phrases you’ll hear most economists say is that there is “a great deal of uncertainty” in their forecasts. It’s not that we don’t know what’s happening in the economy. It’s that there are so many factors that make up an economy, including consumer sentiment and especially consumer spending, which make predicting what the future will hold exceedingly problematic. For instance, we thought the economy was going to have a slow year in 2025. Stocks dropped -20% when tariffs hit the headlines in April. However, thanks to retail investors buying on the dip and artificial intelligence driving investments in data centers and energy, stocks roared to new highs, with gains of the S&P500 up 18.20% year to date. The entire world became excited about U.S. stocks, especially in breakthrough technology. (As an anecdote, an acquaintance who lives in Hong Kong loves investing in Tesla.) Economic growth is expected to hit 1.7% this year and 2.3% in 2026. Productivity is up – a positive sign for economic growth. This will make sense to anyone who has used AI. A task that could take a full day can be shortened to an hour with the help of artificial intelligence. Though the promise of what AI holds is beyond the stars, so is the amount of energy needed to power it. So, many firms are burning through money for R&D and to buy up energy – pushing electric prices up. This elevates the risk of some AI crash and burn projects. You’ve probably already heard about the K-shaped economy. While many Americans feel very constrained by their budgets and are taking on crushing debt, the rich keep getting richer. Stocks and real estate prices are at an all-time high. There are many economists who warn that the consequences of economic inequity, particularly with only a few companies (the Magnificent 7) driving market returns, exacerbated when equity prices are as elevated as they are today, heightens the risk of a severe and sustained downside. Having said that, the consensus is that 2026 will look better than 2025, at least in terms of GDP growth. At the same time, I sure hear the word bubble a lot. I remind us that our best friend during uncertain times is an age-appropriate, properly diversified wealth plan that we rebalance at least once a year. If you don’t know exactly what you own and why, now is the time to learn the life math that we all should have received in high school and to be the boss of your money. No one cares about your money more than you do. You can read about this time-proven plan in my books, or learn and implement it at our Financial Freedom Retreats, or get an unbiased 2nd opinion from me personally through my private coaching. The sooner we learn the wealth secrets of the 1%, the faster our lives transform. (They are legal and available to us.) Here are the things we will discuss in this blog. Most of the topics below have their own designated article, where I take the analysis deeper. So, be sure to click over to learn more. Election Year Trends Stocks Artificial Intelligence, Magnificent 7 & Data Centers Bonds Bitcoin and Crypto Gold and Silver Oil and Gas Clean Energy Indonesia Ireland Australia Peru Real Estate Commercial Real Estate And here is more information on each topic. Election Year Trends As you can see in the chart below, mid-term years are typically the weakest in the election cycle.  2022 was a correction year for stocks, with technology and crypto performing quite miserably – far worse than the -19.44% drop in the S&P500.   Long-term government bonds lost even more than the S&P500 – prompting a spate of bank failures in early 2023. Our fixed income strategy has been earning a competitive income without the paper losses that abound in many conservative portfolios. This is VERY important, particularly as we get closer to retirement. (See the Bond section below.) In 2018, the S&P500 lost -6.24%. Stocks Stocks are expensive. The slightest scare sparks a swift retreat. In April of 2025, many of the Magnificent 7 stocks were the worst performers, falling far farther than the S&P500, which dropped -20%. (This was the case in 2022 as well – the Magnificent 7 plunged, dragging everything down with it.)  It’s important to have large cap growth and another hot slice of technology, if we want our gains to keep up. At the same time, due to the volatility in these hot stocks, rebalancing and dollar cost averaging are also very important. We are using value replacement funds for many reasons, including country diversification, with some countries offering a higher yield for less risk. Peru has been one of the best performing ETFs in 2025, with the bonus of a yield that is on par or better than a comparable U.S.-based value fund. See below for additional information. Artificial Intelligence, Magnificent 7 & Data Centers As I mentioned in my December 18, 2025, blog on Nvidia and data centers, AI is here to stay. For the Magnificent 7 multi-trillion-dollar companies, they are profitable in their other businesses, allowing them to invest heavily in the breakthrough technology and the energy required to power it all. For the younger leaders, including OPENAI and X-AI, the companies are burning through cash to a reported tune of $12 billion per company in 2025. Additionally, many of the companies are priced at valuations that make sense down the road rather than today. Elevated valuations are why C3 AI investors have lost 90% and also why Nvidia dropped to under $95/share in April of this year. Creative disruption often starts with a bubble that pops – before the industry hits a 2nd phase when costs come down and adoption is widespread. As one example, the NASDAQ Composite Index plunged -78% when the Dot Com Bubble burst and took 15 years to recover. Now we have the Magnificent 7 companies leading Wall Street, with the highest valuations. Click on the blue-highlighted Nvidia above to learn more on AI.  Bonds Certificates of Deposit are a lesson in futility. As interest rates get cut, the banks call the C.D.s, and we have to find another way of earning income. Money market funds are riskier than most people realize and typically get into trouble in recessions. The mantra for fixed income is, “Keep the terms short and the creditworthiness high.” So, what is the best opportunity? Highly rated, short-term bonds purchased in the secondary market. Email [email protected] for information on our Oct. 2025 Bond Masterclass, where all of this was outlined in depth. Register for the Jan. 17-19, 2026 Financial Freedom Retreat and receive free access to the Bond Masterclass recording. Bitcoin and Crypto Will 2026 usher in another Crypto Winter? If the historical trend of halving events proves true, then it is possible that 2026 will be a terrible year for crypto. Bitcoin is down -30% from the highs set in early October. In the last Crypto Winter (2022), Bitcoin dropped -67%.  However, rather than trying to pick the exact moment to jump in or out, if we use our pie chart system, then the fluctuations of cryptocurrency can be something that prompts us to capture gains at the high, which increases our wealth and secures it – keeping us warm in Crypto Winters, instead of frozen, financially distraught and desperate. We can even avoid capital gains taxes by investing in our tax-protected retirement accounts. Email [email protected] to join us at our Jan. ONLINE Financial Freedom Retreat to learn more. Gold and Silver Safe havens soared in 2025, except for crypto, which has struggled to return to the all-time high of $126,280, set on Oct. 6, 2025. Silver (our preferred safe choice!) was the superstar, ringing in returns of 164% in 2025 (as of Dec. 27, 2025), compared to gold’s 72.4%. Both are clearly impressive. Which precious metal will win in 2026? Or is the party over? In the first phase of a stock market downturn, precious metals can be drug down. So, rebalancing, even in hot sectors, is still important. However, if investors lose their appetite for risky stocks due to losses, safe havens can look attractive again. As you can see in the 2022 performance chart above, silver and gold held strong. With both metals at all-time highs, it’s a good idea to dollar cost average into a slice of your age-appropriate, diversified wealth plan, and to have a strategy for capturing gains, due to the volatility. Oil and Gas Oil prices are expected to stay under $70/barrel in 2026. The rapid adoption of electric vehicles, particularly in the largest EV market, China, alongside uncertainty in the global economy and the work-from-home trend has resulted in weaker demand for gasoline. A supply glut is expected to be a problem in 2026, which could weaken prices further. According to the International Energy Agency, “surging supplies from the Middle East and the Americas are pointing to an untenable surplus of nearly 4 mb/d in 2026, making it increasingly clear that something has to give.” FYI: many oil companies are profiting from the production of plastic and polyester – which are both oil-based products (with significant environmental costs). ExxonMobil is consistently ranked as the top producer of resins for single-use plastics, with a heavy reliance on virgin plastic. Even more alarmingly, it is estimated that less than 5% of plastic gets recycled in the U.S. Microplastics and the toxic process of producing and recycling plastic mean that recycling plastic is not consistent with reducing toxicity in our water supply and CO2 pollution in our air. There’s no excuse for single-use plastic and it’s a good idea to dress in natural fibers instead of petroleum clothing. It’s time we realize that covering our bodies and food with oil products was never a good idea. Clean Energy Despite having the EPA gutted and tax credits wiped out in 2025 in the U.S., clean energy investors really cleaned up, with annual gains of 46% in the iShares Global Clean Energy ETF. That’s much higher than the Magnificent 7 and more than double the performance of the S&P500.  With energy demand for AI and data centers surging, and the trillion-dollar technology companies committed to a sustainable future with power generated from renewables, 2026 could be another banner year for clean energy. Indonesia Indonesia is expected to have one of the world’s highest GDP growths in 2026, at 4.8%. However, the recent civil unrest does add to the risk factors. (Remember that all stocks and funds carry risk, which is why we also need to keep a percentage equal to our age safe.) The protests affect foreign investment, deter investors and inhibit the Indonesian economy from performing at its potential. While the risk is higher with an investment in Indonesia, there are reasons to buy into the world’s largest exporter of nickel, and one of the fastest growing economies in the world, at 4.9% in 2026. I’ll keep a close eye on this country, and plan to report more in the coming months. FYI: The iShares Indonesia ETF offers a yield of 3.5%. We use it as our mid cap value replacement fund. Ireland Ireland is a mecca for the Magnificent 7, biotech and agribusiness. The country lifted itself out of near bankruptcy in the Great Recession in grand style. Ireland’s GDP per capita is now the 3rd highest in the world (behind Liechtenstein and Luxembourg). GDP growth in 2026 is predicted to be tepid, at just 1.3%. With the EIRL ETF trading at an all-time high, now could be a great time to capture gains and trim back. Having said that, technology, medicine and food will continue to be popular in 2026, so there is potential for an upside surprise and resiliency. I’m personally invested (but have captured gains). FYI: The iShares Ireland ETF offers a yield of 2.68%. We use it as our small cap value replacement fund. Australia As I mentioned in last year’s blog on Canadian and Australian banks versus their U.S. competitors, Australian banks tend to have higher credit quality and a higher yield. It is a rare instance where we are getting paid more to take on less risk.  The iShares Australia ETF (symbol: EWA) offers a yield of 3.16%, which is higher than most U.S. based large cap value funds. We use EWA as our large cap value replacement fund. Australia’s GDP growth is expected to be on par with the U.S. in 2026, at 2.1%. However, that comes with much lower debt to GDP, at 50% in Australia compared to 121% in the U.S. https://www.imf.org/external/datamapper/GG_DEBT_GDP@GDD/SWE Peru Peru is the 2nd largest exporter of copper in the world. With copper prices at an all-time high, Peru’s economy is fortified. (If copper prices fall, the economy will weaken.) The IMF is expecting 2.7% GDP growth in Peru in 2026. Analysts are predicting that copper miners will not be able to meet demand next year, as technology and electric vehicles continue to have a ravenous need for the essential clean energy metal. Copper prices are expected to jump by up to 27% in 2026. The iShares Peru ETF was one of the top performers in 2025, with gains of 86%. Here again, rebalancing with an eye to capturing gains, while remaining invested, can be a winning plan. I’ll publish an updated Copper Peru blog within the next week. Real Estate Real estate was one of the worst performers of 2025, with 2.51% gains in 2025, compared to 17.81% in the S&P500. Real estate is one of the reasons why we underweight U.S. value funds. Many REITs offer an above-market dividend. However, they also carry a great deal of debt, with many that are below investment grade, meaning we can lose principal on the investment. Due to the real estate market freezing up, many mortgage companies are losing money. Many builders saw revenue plunge year over year. Email [email protected] if you’d like updated mortgage and builders stock report cards. When we lose our principal investment, we’re often placated with the term that they are only paper losses. However, those pesky “paper losses” that we’re told not to worry about, are rarely made up for by the small amount of income generated and are far more problematic than the phrase implies. Remember: the higher the dividend, the higher the risk. Commercial Real Estate The Retail Apocalypse continues. The K-shaped economy has taken its toll. In 2025, there were more than 700 bankruptcies, including Spirit Airlines, Claire’s and Rite Aid. Since almost 70% of the U.S. GDP is linked to consumer spending, this is a concern. The rich are still buying. However, Reuters is reporting that Saks Global (owner of Saks Fifth Avenue and Neiman Marcus) is weighing a Chapter 11 bankruptcy, where the company will stay in business, but restructure their debt and equity. Typically, public shareholders get wiped out in bankruptcies. However, Saks Global is a private company. We all still see a great deal of vacancies in the malls and business districts of our cities. This increases the risk for the banks and insurance companies that loan the CRE owners money, which increases the risk of our annuities and life insurance policies. This is one sector that could spark contagion in the financial system and tank stocks in 2026. Bottom Line The past few years have shown just how exciting and resilient the U.S. economy can be, with AI and data centers providing enough economic fuel to push stocks to an all-time high. At the same time, analysts are worried about a bubble, as there is a lot of historical precedence that when stock prices get this far away from the fundamentals, a correction can be swift and severe. Again, our best protection against a downturn in stocks, which can drag down great companies in the rout, is to have enough on the sidelines – safe. A good rule of thumb is to always keep a percentage equal to our age safe – not invested in stocks or equities, and to diversify, including in a few hot sectors. In a Debt World, we must know what’s safe because we’re not getting paid to take on the ample credit and duration risks that abound, particularly in the U.S. Rebalancing regularly prompts us to capture gains at the high and stay on the right side of the trade. 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 Jan. 17-19 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 Dec. 1, 2025 to receive the best price. 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 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. 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. 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.  Click through to the flyer to learn more. Call 310-430-2397 or email [email protected] for pricing, additional information and to register. Register with family and friends to receive the best price. Teens and college students can attend for just $99.  Join us for our Restormel Royal Immersive Adventure Retreat. Spring Equinox 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and four private, prosperity coaching sessions. There are only 6 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Is the AI Bubble About to Pop? A+ 2025 Performance Report Card with Bragging Rights. The 6 Rs of a Sustainable Holiday. Are We Headed for Another Crypto Winter? Black Friday - Cyber Monday Sales & Free Gifts. Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. The S&P500 Has Doubled Over the Last 5 Years. Which Industries Performed Best? Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? 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. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. 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. Will Oil Prices Sink or Soar? Executives are Uncertain. Health Savings Accounts. Save Thousands. Get a Tax Credit. Provide for Tomorrow's Healthcare Needs. Restormel Manor House 2025. A Truly Royal and Magical Adventure. 9 Ways to Cut Your Tax Bill in Half and Save Thousands Annually. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? 10 Rules of Successful Investing. Quantum Computing. 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 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. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. China & Russia Double Their Gold Holdings. 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.  AI generated image of an astronaut on a horse in the style of Picasso. Nvidia is down -17.8% since its high of $212 on Nov. 3, 2025. Oracle has seen losses of -48% since September. The S&P500 is only off by -1.9%. Nvidia has been the story for the past few years, embraced by Wall Street insiders and Main Street alike. Artificial intelligence and the data centers needed to drive it have led to a surprisingly resilient U.S. economy, with revised (upward) expectations of 1.7% GDP growth in 2025 and 2.3% in 2026. At the same time, as you can see in the results at the top of the blog, Nvidia shares are down almost -20% over the last month and a half. When stocks head south, it’s the Magnificent 7 that is dragging everything down. It’s important to remember that we could have purchased Nvidia shares for $94 on April 8 of this year. Nvidia closed at $170.94 on Nov. 17, 2025; the all-time high is $212.19/share. So, what is your best strategy for incorporating AI into your portfolio, while smoothing out the volatility? Which horse should you bet on? Google AI, Grok, ChatGPT or an upstart that has yet to take centerstage? Here are the things I’ll cover in this blog. The Magnificent 7 Bubbles Scam Ads Make Up 10% of Revenue (Grrrr) OpenAI Google Meta Microsoft X-AI Oracle Tesla Vision vs. Waymo LiDAR A Winning Magnificent 7 Strategy And here is more information on each topic. The Magnificent 7 As I mentioned in my performance blog last week, the Magnificent 7 was still leading the S&P500 to new highs in 2025. However, these companies were not the top performers. It was all about silver, gold, Peru and clean energy. Click on the blue highlighted words to read my 2025 Performance blog.  So, what is going on with the Magnificent 7? Are the companies just not as exciting as we thought they were? All the companies have an AI play, and are leading the pack in technological breakthroughs, including quantum computing, robotaxis and productivity. With the exception of Apple, the companies all have double-digit year over year sales growth, and with the exception of Tesla, double-digit profit margins. If we think of these mega corporations in the real world, chances are we’re coming into contact with their products constantly throughout the day. How many Tesla vehicles do you see on the road? Have you taken a robotaxi anywhere? Have you used AI to help you create a presentation or even grammar-check an email? Are you still conducting your business on Microsoft Word and Excel documents, and searching on Google? Are you active on Instagram? Receiving deliveries from Amazon? The companies have in-demand products and are profitable. The problem lies more in the price of the stock. Email [email protected] if you would like updated AI and the Magnificent 7 stock report cards. Bubbles There’s one word that comes up frequently when the Magnificent 7 heads south – bubble. Retail investors have gotten so excited about the prospects of AI that they have forgotten completely about the old adage, buy low, sell high. We just want to own it at any price thinking that if we buy and hold long enough, we’ll get rich. Tesla has a $1.6 trillion market value, but only $7 billion in net income. 2025 might see less revenue and net profit than 2024 for Tesla. The company is on track to earn under $5 billion this year. EV price wars, Chinese EV competition and the expiration of the EV tax credit are all weighing on the company’s growth and margins. Tesla’s price-earnings ratio is the most outlandish at 324. However, all the Magnificent 7 companies have very elevated prices. The shares are selling for what people think they’ll be worth years from now. So, if there’s any sign that the road will not be smooth going forward, the whales of Wall Street want to take the money and run, and we get outsized corrections in a very short period of time. Scam Ads Make Up 10% of Revenue (Grrrr) Reuters blew the lid on a very alarming business practice. According to internal Meta documents reviewed by Reuters, the company projected that 10% of its 2024 total annual revenue, or approximately $16 billion, came from scams or banned goods. Several class action lawsuits have been filed and 42 U.S. state attorney generals urged Meta to take action against “investment scam ads” in June 2025. US senators Josh Howley and Richard Blumenthal have demanded a federal investigation into the Meta scam ad problem by the FTC and SEC. These are the kinds of things that could alarm investors, especially if any investigation is announced, which could cause a very rapid decline in Meta’s share price. Meta’s price-earnings ratio is also elevated, but not as egregious as Tesla’s. Meta made $62 billion in 2024 with a market cap of $1.64 trillion. The questionable business practice isn’t limited to Meta. I listen to a lot of music on YouTube, while working out. It’s not uncommon to see an AI-generated Oprah pushing a Himalayan Sea salt remedy, or a questionable workshop on investing that gets 1-star from Trust Pilot. A simple search on Google‘s own platform asking AI whether the ads are scams usually reveals the truth. So, it doesn’t seem like it’s that difficult to vet. Many of the same ads plague msn.com as well, which is owned by Microsoft. If you’re visiting these sites, be very careful. It’s astonishing that so many outright fraudulent companies are allowed to bait and phish on these platforms. OpenAI Google Meta Microsoft X-AI Oracle and Nvidia Have you used ChatGPT? Meta AI? Grok? While you may not be using an Nvidia app, you certainly know the name and are likely using a chip. Oracle has been making headlines because they’re building data centers and ran into some funding snags, due to the amount of debt that the company has. Oracle’s share price soared to $309 on Sept. 19, 2025, after they announced a deal with OpenAI (ChatGPT). By Dec. 17, 2025, the share price had plunged by -48%, to just $180/share. Oracle has a BBB credit rating (S&P Global) with a negative outlook (at the lowest rung of investment grade). Be very careful of investing on AI headlines. Each one of the AI user applications has its own area of expertise. As an example, I use Meta AI when I’m creating a graphic, Google AI when I’m fact-checking, and Grok when I am putting together a PowerPoint presentation. I certainly know a great deal of ChatGPT devotees – some of whom consider the app to be a “friend.” As Alexis Ohanian is fond of saying, artificial intelligence will not take your job. However, a person who is using artificial intelligence will. An Executive Summary that might have taken days for me to perfect was efficiently achieved with the support of AI in just a few hours. (AI didn’t create the content. It just organized it well, which made it quite easy to edit and beautify.) Artificial intelligence is an innovation that is rapidly becoming mainstream. The question really is can it be profitable? Companies that have been around for quite a while, including the Magnificent 7 make money. Newer enterprises, such as ChatGPT and X-AI are burning through cash, with at least $12 billion in losses per company in 2025. So far, OpenAI and X-AI have had no trouble raising money and getting extremely high valuations at $500 billion and $230 billion, respectively. However, it is important to factor in an important and well-tested economic theory that played into the Dot Com Crash – Peter Schumpeter’s Theory of Creative Destruction. In the 1st phase of disruptive technology, the new companies soar in valuations, even the newcomers who will fail to compete. Then a crash occurs. The weaker businesses will fail. However, even the survivors will suffer. The NASDAQ Composite Index dropped -78% between the Dot Com highs in March 2000 and the lows in October of 2022. The index took 15 years to recover.  Source: MSN.com. (c) Microsoft. Used with permission. There are time-proven ways to invest in these exciting and profitable innovations, while also protecting ourselves from the crash and restructuring. (Keep reading.) Tesla Vision vs. Waymo LiDAR Robotaxis and robot technology are some of the reasons why Tesla shares are so expensive. One of the concerns, especially for the full self-driving, is that Tesla relies on cameras only and is not incorporating LiDAR. Be sure to read my Tesla Vision vs. Waymo LiDAR blog, where you can watch a former NASA engineer do a side-by-side test live. It’s very entertaining and informative. We’ve also seen investors and even consumers have very strong feelings about Elon Musk. Tesla is another stock that you could have purchased at a discount of about 40% just a few months ago. The strategy below helps to smooth out the volatility that is inherent in the Magnificent 7 companies, while staying on the right side of the trade. A Winning Magnificent 7 Strategy One of the most important strategies for all at-risk investments, including stocks, funds and target date retirement funds, is to have an age-appropriate, properly diversified plan that we rebalance 1-3 times a year. That may sound like a lot of work. However, it is less time and less money than most of us spend worrying about our nest egg, once we learn the life math that we all should have received in high school. It’s important for us to be the boss of our money because most managed plans do what the market does. That means that you’re exposed to losses in corrections (such as happened in 2022), while experiencing paper losses on the safe side (where your principal is supposed to remain intact) in today’s Debt World. As I reported in our 2025 Performance blog, those who are using our strategies are in the hottest funds on Wall Street, and have no paper losses, while earning a competitive income on the safe side. This isn’t difficult or time-consuming. It’s actually as easy as a pie chart. You can read about these strategies in my books, and you can learn and implement them at our online Financial Freedom Retreat. You can also receive an unbiased second opinion from me through my private coaching. Email [email protected] to learn more now. Visit the https://www.nataliepace.com website for additional information on the retreat and books. FYI: if you do not have large cap growth, then you are not experiencing the massive performance of the Magnificent 7. We have been overweighting into AI and breakthrough technology in our hot slices. As I mentioned in my 2025 Performance blog of last week, the real gains this year have been in silver, Peru and clean energy. Click over to read that blog. Bottom Line AI is here to stay. However, it is in the first phase of the cycle, which could be the bubblelicious phase. The way to prosper without plummeting is to have a hot slice of AI and capture gains at the high, rather than investing blindly and perhaps buying high on headlines before a potential downturn or even crash. If you haven’t rebalanced your wealth plan in a year, now is the perfect time to do it, with stocks still very close to an all-time high. Email [email protected] to start your journey now. Why not treat yourself to the gift of financial freedom and wisdom this holiday season? Register now to join us at our online Financial Freedom Retreat Jan. 17-19 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 Dec. 1, 2025 to receive the best price. 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 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. 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. 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.  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 Nov. 30, 2025 to receive the best price.  Join us for our Restormel Royal Immersive Adventure Retreat. Spring Equinox 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and four private, prosperity coaching sessions. There are only 6 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest A+ 2025 Performance Report Card with Bragging Rights. The 6 Rs of a Sustainable Holiday. Are We Headed for Another Crypto Winter? Black Friday - Cyber Monday Sales & Free Gifts. Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. The S&P500 Has Doubled Over the Last 5 Years. Which Industries Performed Best? Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? 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. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. 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. Will Oil Prices Sink or Soar? Executives are Uncertain. Health Savings Accounts. Save Thousands. Get a Tax Credit. Provide for Tomorrow's Healthcare Needs. Restormel Manor House 2025. A Truly Royal and Magical Adventure. 9 Ways to Cut Your Tax Bill in Half and Save Thousands Annually. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? 10 Rules of Successful Investing. Quantum Computing. 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 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. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. China & Russia Double Their Gold Holdings. 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.  A+ Performance Report Card. Bragging Rights. The end of the year is the perfect time to reflect on how the year has gone. We are very happy to report that the stock side of our pie chart system has triumphed on Wall Street. Just as importantly, the fixed income “safe” side has returned a market yield without any paper losses. Smart strategies with diligent, forensic analysis really paid off this year. I’ll explain why and how below. But it’s important to remember that most managed plans are charging ½ - 1 ½ %. That could be up to $15,000 per million under management (or more) per year. Most managed accounts shadow the market, but -2% lower due to the fees. Learning the life math that we all should’ve received in high school – so that we can be the boss of our money instead of having blind faith that someone else is protecting us – costs a fraction of that investment. Just as importantly, our pie chart system earned gains in the Great Recession and the Dot Com Recession, which was a life saver for many who follow our strategies, and outperformed the bull markets in between. I encourage you to join us for our New Year, New You Financial Freedom Retreat ONLINE Jan. 17-19, 2026. The sooner you learn and implement this time-proven 21st Century wealth blueprint, the faster your life will transform. We can even teach you how to save thousands annually in your budget with more-informed big-ticket choices. 2025 Year-to-Date Performance Chart  Here are the things I’ll cover in this blog Superstar Silver and First Majestic Silver Gold and McEwen Mining Copper and the iShares Peru ETF Bitcoin and Crypto Value Replacements The Magnificent 7 Underweighting Old-School Blue Chips Ad here is more information on each topic Superstar Silver and First Majestic Silver We’ve been leaning into silver over gold for a few years because up until 2025 silver had been left behind in the precious metals rally. This year, silver is on fire hitting new highs and far surpassing the performance of gold, as you can see in the chart below.  Source: MSN.com. (c) Microsoft. Used with permission. Will that continue to be the case in 2026? Don’t miss my Crystal Ball 2026 blog and videoconference in early January. Email info @nataliepace.com to make sure you’re on the list. Subscribe on YouTube and Substack, so that you’ll be updated when it’s published. First Majestic Silver: In my June 23, 2025, blog, we identified a small cap silver mining company that had a mint and was selling its own collectible coins. First Majestic Silver saw their revenue jump by 130% in the first quarter of this year. Revenue growth is still on fire, at 95% in the third quarter. The stock was at $8.00/share when we featured it. It’s now at $16.80. If the company keeps increasing revenue and net profits, it could still have room to run – particularly if silver remains the safe haven darling on Wall Street. At the same time, silver can get drug down with stocks, in the first phase. So, there is nothing wrong with taking some profits when you double your money in a few months. I would dollar cost average in, if I didn’t already own it because there has been some volatility. It was down to $10/share on November 5, 2025. Remember that investing in an individual stock is separate from our pie-chart nest egg strategy. Think of it as Vegas Money, and adopt a buy low, sell high mentality. Gold and McEwen Mining Gold has been capturing headlines for its 60% gains this year, though our mid-cap value replacement, Peru (+67.5%) and silver (doubled) performed even better. McEwen Mining has projects in all of those metals – copper, silver, and gold. Like many small mining companies, McEwen Mining struggled between 2012 and 2020, when gold prices dropped from their $1895/ounce highs to under $900/ounce at the low. While the stock’s performance has been great in 2025 and over the past five years, Rob McEwen, the chairman and Chief Owner of McEwen Mining, believes the company is still undervalued. Be sure to check out my videoconference and interview with Rob from November 14, 2025, on YouTube and Substack. Copper and our Peru ETF Copper prices are close to their all-time high. As the 2nd largest exporter of copper, we selected Peru as one of our international diversification funds. The iShares Peru fund (symbol: EPU) performed at the top of the street with almost 68% gains in 2025. It also offers more than double the dividend of a comparable U.S.-based mid cap value fund. Bitcoin and Crypto At $90,000 a coin, bitcoin is still in the money – above $65,770, where it was when I published my March 24, 2024, blog when I selected it as the Investment of the Year. However, as importantly, we strongly encourage crypto lovers to rebalance and capture gains – something we’ve been harping on since Oct. 6, when bitcoin hit a high of $126,280. So, are we entering another Crypto Winter? If history proves accurate, bitcoin might freeze over by Spring of 2026. Read my blog for the historical context. Of course, history doesn’t always follow the trend. Rebalancing 1-3 times a year is very important. This strategy keeps us on the right side of the trade and takes the emotions out of the decision. When cryptocurrency is one or more of the hot slices in our age-appropriate, properly diversified plan, the system prompts us to capture gains at the high when the coins shoot the moon, and to add more low during Crypto Winters. During the 2022 Crypto Winter, bitcoin lost -67% of its value, dropping to $15,600/coin. Most people don’t buy low because they can’t. If you've captured gains, you have the emotional fortitude and the liquidity to buy more at a lower price, if you still believe in the asset. We could even divest ourselves of capital gains taxes by selecting a bitcoin or ethereum ETF within our retirement plan. There are important considerations about where and how you purchase these funds. We talk about this at the Financial Freedom Retreat. Will bitcoin soar to new highs or tank next year? Either is a possibility, which is why it is important to have a plan that can keep our wealth growing no matter which way the wind blows. Be sure to read my Crypto Winter blog from November 30, 2025. Value Replacements U.S. equities are very expensive. Many of the industries and companies that are included in U.S. based value funds are heavily indebted, with slow revenue growth and slim profit margins. Boeing, a Dow Jones Industrial Average component, is at the lowest rung of investment grade with a BBB- rating (source: S&P Global). The company lost almost -$12 billion in 2024. What is a value (on sale) when the DJIA keeps hitting new highs and the average price-earnings ratio is elevated? Another challenge for U.S. based value funds is that they are offering a very low dividend. I mentioned that Peru was earning double the income. The Peruvian ETF current yield is 3.27%, whereas the S&P 500 mid cap value fund is only offering 1.67%. In our sample pie charts, we diversify internationally with value replacement funds. Many foreign countries offer higher yields with much lower debt than the U.S. As you can see with the Peruvian fund, performance can be another added attraction. The Magnificent 7 The Magnificent 7 continues to be responsible for a great deal of the S&P 500 performance. Even with four out of the seven companies in the Dow Jones Industrial Average (Amazon, Apple, Microsoft and Nvidia), the DJIA performance was far lower than the S&P500. I mentioned that Boeing is one of the 30 DJIA components. So are 3M (chemicals) and Chevron. (See below for some of the challenges in these companies.) It is important to understand how to lean into performance. Do you have a large cap growth slice and potentially an extra hot slice of AI or technology in your wealth plan? It is equally advisable to underweight areas of the market that have fundamental challenges, such as we’re seeing with the commercial real estate and oil sectors. Even with all the headlines and hoopla, the Magnificent 7 were not the best performers this year. That is why we strongly suggest having four different hot selections in our wealth plan.  Underweighting Oil & Old-School Blue Chips The rapid shift away from ICE* to electric vehicles, particularly in the world’s largest vehicle market – China, has resulted in lower demand for oil products. This is something I pointed out in my Oil blog from March 31, 2025. Reduced demand is expected to keep prices low. In the 3Q 2025 Federal Reserve Bank of Dallas Energy Survey, oil executives expected the price of oil to be around $63/barrel at year’s end, perhaps recovering to $69/barrel (still too low for many new drilling projects) in two years. On Dec. 11, 2025, oil prices were at $58.15/barrel. *ICE: Internal Combustion Engine Oil companies are not the only heavily indebted, slow growth enterprises on Wall Street. Over half of the S&P500 companies are at the lowest rung of investment grade or in junk bond status. Ford Motor Company was below investment grade for most of 2023 and is currently at the lowest rung (BBB-) with a negative outlook. Again, a lot of the low-credit quality companies are concentrated in our value funds. These are some of the reasons why we are underweighting the U.S. value funds and the oil industry (also better for the planet), and leaning into the products and companies of tomorrow, which tend to be more eco-friendly with superior performance. Many of the Magnificent 7 companies have a treasure trove of cash and enviable profit margins, along with impressive revenue growth. Some value funds and most target date retirement and bond funds have lost money over the last five years, while the S&P500 doubled. With stocks back to an all-time high, now is the time to rebalance and make sure that we keep our money, and that our wealth plan is age-appropriate and properly diversified, with no paper losses on the safe side. Bottom Line It’s been a volatile year. By April 8, 2025, stocks had plunged -20% in about a month. However, everything is coming up roses, with 18% gains in the S&P500 and a 3-year return of 86% or 24.49% annualized. As you can see in the performance chart above, if you were using our hots (crypto, clean energy, silver, AI, Magnificent 7) and our value replacement funds, including the iShares Peru ETF (symbol: EPU), then your nest egg equity performance was even higher. Having said that, 1-3 times a year rebalancing is one of the most important success strategies for investors. At the end of December, after the Santa Rally, is a great time to make sure that our wealth plan is age-appropriate and properly diversified – to capture and keep the impressive gains before heading into the New Year. Why not treat yourself to an online Financial Freedom Retreat this holiday season? Register now to join us at our online Financial Freedom Retreat Jan. 17-19 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 Dec. 1, 2025 to receive the best price. 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 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. 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. 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.  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 Nov. 30, 2025 to receive the best price.  Join us for our Restormel Royal Immersive Adventure Retreat. Spring Equinox 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and four private, prosperity coaching sessions. There are only 6 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest The 6 Rs of a Sustainable Holiday. Are We Headed for Another Crypto Winter? Black Friday - Cyber Monday Sales & Free Gifts. Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. The S&P500 Has Doubled Over the Last 5 Years. Which Industries Performed Best? Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? 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. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. 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. Will Oil Prices Sink or Soar? Executives are Uncertain. Health Savings Accounts. Save Thousands. Get a Tax Credit. Provide for Tomorrow's Healthcare Needs. Restormel Manor House 2025. A Truly Royal and Magical Adventure. 9 Ways to Cut Your Tax Bill in Half and Save Thousands Annually. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? 10 Rules of Successful Investing. Quantum Computing. 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 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. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. China & Russia Double Their Gold Holdings. 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.  Photo: Gabe, Natalie, Davis at Hotel Negresco in Nice, France. Christmas 2010. The 6 Rs of a Sustainable Holiday Including a list of eco organizations worldwide that you might consider donating to. Before writing this blog, I asked my young adult son, “What was your favorite Christmas gift?” Not surprisingly, he listed the years he got the paintball gun, a portable CD player and various gaming devices. However, he also mentioned a special belt he got from his Cowboy Grandpa, with a stone for a buckle that his grandfather had found and polished. (My father was quite a rockhound.) It was a very meaningful gift to my son. His friends have coveted it over the years because it was so special and unique. Alas, it’s not something that can be purchased, and most of us don’t have a lapidarist in the family. Another thing was also mentioned – our holidays together in Amsterdam and France. Again, it was a generic question without any prompts leading him to what I wanted him to say or what might support this blog. His response confirmed that, in addition to things, what kids really want for Christmas and what makes a lasting impression are presents and experiences that we cannot buy at the superstore. So, I’m encouraging us to get creative this holiday season about establishing new family traditions that might bring us even closer together and make the holidays even more special. For families who are feeling budget constraints, the tips below might help us to use the lack of funds as a prompt to create winter holiday magic in a whole new way. Today's Sustainability Tip: "Did you know that recycling is the least effective of the 6 Rs, as less than 5% of plastic gets recycled in the U.S. and less than 9% worldwide? What are the 6 Rs? Rethink. Refuse. Repair. Reduce. Reuse. Recycle. This is important to consider this holiday season! Maybe the gift of time and adventure (in an eco-friendly way) are better than things." Natalie Pace, author The Power of 8 Billion: It’s Up to Us and co-creator of the Earth Gratitude project. The Giving Season Are you interested in protecting the rainforest? In conserving elephants, giraffes, rhinos, and other iconic animals? Would you like to see student gardens and healthier lunch choices in schools? Are you ready to reduce your personal CO2 footprint by learning more about the power of individual choice? Do you know why an attitude of gratitude is so effective? Are you learning more about healthy, non-toxic, nutrient-dense food, regenerative agriculture and the Make America Healthy Again movement? If any of these topics interest you, check out the contributors’ page of EarthGratitude.org where you will find links to organizations that are moving the needle in each of these areas. I also encourage you to watch our Earth Gratitude 5-part docuseries. You’ll be inspired by all the great work that is happening globally. The 6 Rs of a Sustainable Holiday Rethink. Refuse. Repair. Reduce. Reuse. Recycle. And here is how each R might create a treasured and sustainable holiday season Rethink. Rent a Living Christmas Tree! Did you know that some nurseries allow you to rent a Christmas tree in a pot? After you use it, it gets returned and will eventually be planted in a forest. There are other ways that we can incorporate trees into the holiday tradition without chopping one down and putting it in our living room. What if the family went and visited the trees at the nearest nature preserve? Is it possible to start a new tradition without a dying tree that will have to be composted a few days after Christmas? It’s our family after all. We get to decide what’s important to us, how we want to bond together and the central themes that we wish to reinforce as a through line for our children. If preserving nature is one of those things for you, then this is an invitation – a challenge – to embrace the ethos you believe in, while rethinking your holiday tradition. Experiences, Not Things I mentioned above that two of the presents my son specifically called out were our trips to Amsterdam and France. Amsterdam was my son’s study abroad during college. He decided to conserve money, and he wasn’t going to fly home for Christmas. I went there to celebrate the holiday with him. There were only a few students in his group who remained in the Netherlands, which made our celebrations even more meaningful and bonding. Beyond that, seeing all the Nederlanders commuting by bike, instead of car, gave me the courage to give up my vehicle in Santa Monica and embrace walking and biking, especially for local errands. People driving around in single-occupancy vehicles are a big part of the reason why Americans, Canadians, Australians and people living in the Middle East have a CO2 footprint that is 3X that of many Europeans.  With regard to France, all his friends were going. He had a girlfriend in France (again this was during his college years). I figured out a way to make it even more special by getting a few rooms in a historic hotel in Nice, France – not far from where my son’s French girlfriend lived. (This was right after the Great Recession, and this amazing destination was quite affordable.) Oddly, we don’t remember giving or receiving any particular present during either one of those trips. It is possible that the trip itself, along with the special meals and museums, was the gift. (That has become a tradition – saving up to do something very special together.) We now have Christmas memories of the tour of Rembrandt’s home studio, the dinner at Five Flies restaurant (where Rembrandt used to trade his etchings for food), the Van Gogh Museum, and Hotel Negresco (Nice, France) with all its artwork and masterpieces. Of course, I did not spend all the time with my son and his friends. I was prepared to spend much less time together, since he was a college student with his peers. However, we ended up sharing a lot of meals with his friends (because I was paying and college students are on tight budgets probably). It didn’t feel like they were censoring themselves in anyway, but rather that I was invited to participate, not quite on par with them, but still as an intimate guest. I understand that these are exotic and expensive destinations that carry a CO2 footprint. These days, we fold that decision into the mix. As an example, our most recent adventure was a train ride and a few days in San Diego – close to home in Santa Monica, but with a much lower CO2 footprint than flying or driving. It is also more fun and easier to chat when the train is part of the adventure, and you don’t have to focus on the highway and other drivers’ peculiar (and potentially dangerous) steering habits. Another adventure that is at the top of my list is the year that we gave my cousin’s family a trip to Disneyland. They were moving from California to Utah, and their children had never been. Our little family came together to make it happen for them and joined them there. It was so special. (We have a tradition of giving a gift to a family in need each year.) Refuse. Polyester is an oil product, just as plastic is. They are toxic from the drilling of oil, to the microplastics, through to those petroleum-based toys and clothing going to landfills because they are not recycled or recyclable. There it could take centuries to break down. Pact, Mate, Blue Canoe – there are many brands that offer competitively priced natural fiber clothing. Natural fiber clothing composts, enriching the soil (once you remove any synthetic buttons, zippers, elastic, etc.)! It is healthier for our skin to wear. Oftentimes it’s warmer in winter and cooler in summer. Putting petroleum all over our food and bodies was never a good idea. Learn more in my Plastic blog. Also be careful of the vegan label. The oil industry loves it when their products are labeled “vegan-friendly.” However, if we’re concerned about animals, we should be factoring in all the animals that die each year and species that are getting exterminated as a result of oil drilling, habitat destruction, oil and chemical spills, microplastics and more. CROCs are made of polyethylene vinyl acetate (PEVA), which is chemically related to plastic, and was part of the toxic spill in Palestine, Ohio on Feb. 3, 2023. There are many beauty products that are considered “green” or “vegan” that are full of petroleum-based chemicals. Until recently, petroleum-based synthetic food dyes were the norm in a lot of processed food – something that the HHS and FDA are trying to phase out. My friends and family have been trained to only purchase natural fiber clothing for me. They also know that I’m not that into things, in general. Which brings me to one of the easiest and most important choices we might make this holiday season: The most eco-friendly gift we can give is the one we don’t buy. Repair. Are you the fix-it person in the family? Could the best gift be your time & talent? As I mentioned above, one of my son’s favorite gifts was a Western-style belt with a polished stone belt buckle that his grandfather made and gave him. It’s been a staple of his wardrobe for over a decade now – even more special now that his grandfather is no longer with us. If we take liberty with the repair idea – is it possible that the best gift is something that you teach someone? One gift I plan to give this holiday season is an ebook of my favorite recipes. I love cooking and have added some personal touches to a few of my favorite celebrity chef creations. I quite enjoy seeing family members use some of my cuisine hacks in their own food preparation. Reduce.
Eat local and regeneratively produced organic food. It’s nutrient-dense, healthier, tastier and is better for our planet. If we don’t know the origin of our food, we could be eating Rainforest Beef or Cancer Alley Chicken – bad for our bodies, our oceans, our air and so much more. Learn more in my Rainforest blog. It’s tempting to purchase the cheapest thing or buy into the chic-looking ads of fast fashion, particularly if we just want to get through our gift shopping list. Rarely do the products hold up to the marketing images, and often there is a giant waste dump of discards and social concerns that we’ve had to overlook to click and pay. Learn more in my Fast Fashion/Temu blog. Is there some experience or personal touch we might offer that might be more lasting and touching? Should we investigate our closet or attic instead of online? Reuse. Many families have boxes of holiday decorations. Bravo! If you’re buying something new, is it made of plastic? Can you think of something more sustainable, such as wood? Also…
Recycle. Now that we know that recycling isn’t really happening, we can focus on the solutions that actually work. There is a reason why Recycle is at the bottom of the 6Rs of Sustainability list. Happy Holy Days! Tag me at @NatalieWynnePace on Instagram with your ideas and new family holiday traditions. I’m so interested to see what you’re dreaming up. Why not treat yourself to an online Financial Freedom Retreat this holiday season? Register now to join us at our online Financial Freedom Retreat Jan. 17-19 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 Dec. 1, 2025 to receive the best price. 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 12-19, 2027. (With just eight rooms available, this exclusive, private, bucket-list adventure sells out a year in advance!) Call 310-430-2397 or email [email protected] to learn more. The 2025 Restormel Retreat was a magical and royal experience. Click to learn more. Receive the best price when you register with friends and family for the ONLINE Financial Freedom Retreat Jan. 17-19 2026. 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. 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.
 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 Nov. 30, 2025 to receive the best price.  Join us for our Restormel Royal Immersive Adventure Retreat. Spring Equinox 2027. Email [email protected] to learn more. Click for testimonials, pricing, hours & details. Register now to receive the best price, the best room and four private, prosperity coaching sessions. There are only 6 rooms available. This retreat includes an all-access pass to all of our online training for a full year for two. Considering the perks, you're receiving a 65% discount to learn the life math that we all should have received in high school, and the room is free! Email [email protected] to learn more. The best rooms at the 2025 retreat were sold out in 2024! Yes, it's a great idea to register and start transforming our lives now!  Natalie Wynne Pace is an Advocate for Sustainability Financial Literacy & Women's Empowerment. Natalie is the bestselling author of The ABCs of Money (6th edition) and The Power of 8 Billion: It's Up to Us, and is the co-creator of the Earth Gratitude Project. She has been ranked as a No. 1 stock picker, above over 835 A-list pundits, by an independent tracking agency (TipsTraders). Her book The ABCs of Money remained at or near the #1 Investing Basics e-book on Amazon for over 3 years (in its vertical), with over 120,000 downloads and a mean 5-star ranking. The 6th edition of The ABCs of Money and the 2nd edition of Put Your Money Where Your Heart Is (2nd edition) are the most recent releases of these books. Follow her on Instagram. Natalie Pace's easy as a pie chart nest egg strategies earned gains in the last two recessions and have outperformed the bull markets in between. That is why her Investor Educational Retreats, books and private coaching are enthusiastically recommended by Nobel Prize winning economist Gary S. Becker, TD AMERITRADE chairman Joe Moglia, Kay Koplovitz and many Main Street investors who have transformed their lives using her Thrive Budget and investing strategies. Click to view a video testimonial from Nilo Bolden. Check out Natalie Pace's Substack podcast on Apple and Spotify. Watch videoconferences and webinars on Youtube. Other Blogs of Interest Are We Headed for Another Crypto Winter? Black Friday - Cyber Monday Sales & Free Gifts. Will the World Cup Save the Travel Industry? Save Thousands Annually on Health Insurance and Medical Care. The S&P500 Has Doubled Over the Last 5 Years. Which Industries Performed Best? Bank Stress. Loan Fraud. Auto & Airline Bankruptcies. Augurs of a Recession? 2026 Bonds and Fixed Income Without Paper Losses Strategy Will There Be a Santa Rally in 2025? 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. Capture Gains at an All-Time High. Jerome Powell's Big Speech in Jackson Hole. HHS Cuts MRNA Research. Weight Loss Drugs Soar. Summer Sale & Sweepstakes. Will Tariffs Cause Stocks to Sink or Soar? Are You Paying Thousands to Lose Money? Coke & Pepsi Suffer From Poor Fiscal Health. Crypto, Gold, AI, Energy, Healthcare, Real Estate. Which Sector Performed Best in the First Half of 2025. 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. Will Oil Prices Sink or Soar? Executives are Uncertain. Health Savings Accounts. Save Thousands. Get a Tax Credit. Provide for Tomorrow's Healthcare Needs. Restormel Manor House 2025. A Truly Royal and Magical Adventure. 9 Ways to Cut Your Tax Bill in Half and Save Thousands Annually. Berkshire Hathaway. Should I Just Invest in Warren Buffett? Should I Have a Money Manager? 10 Rules of Successful Investing. Quantum Computing. 2025 Investor IQ Test. 2025 Investor IQ Test Answers. Indonesia: Rich in Nickel with Ambitions of Becoming an EV Battery Hub. RoboTaxis. AI. The Magnificent 7. Why Are So Many Safe Investments Losing Money? Canadian, Australian and U.S. Banks. Are Any of Them Safe? Ireland. Rich in Technology, Biotechnology and Agribusiness. Robo Investing and AI. No, They are Not Foolproof. Copper. Peru ETF Outperforms the S&P500. 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. 2024 Rebalancing IQ Test. Answers to the 2024 Rebalancing IQ Test. China & Russia Double Their Gold Holdings. 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. |
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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