11-3-26 Election Jitters & Retirement Risks

With midterm election uncertainty rattling investor confidence, could stock market volatility threaten your retirement savings? And are Americans financially prepared for what comes next? Lance Roberts & Jon Penn examine how midterm elections have historically influenced stock market performance, what investors should expect from election-related volatility, and why political uncertainty may be particularly concerning for retirees and those approaching retirement. Meanwhile, more than 40% of Americans reportedly have never calculated how much they'll need for retirement. What happens when market uncertainty collides with inadequate retirement planning? From retirement income strategies and Social Security to portfolio diversification, market risk, and financial planning, Lance explores why protecting your financial future requires more than predicting election outcomes or the next market move. Is your money at risk, and do you have a retirement plan that can withstand the unexpected? Key topics include: 0:00 - INTRO 0:56 - Markets' Mid-term Election Jitters 4:28 - ISM Manufacturing - Super Strong 5:51 - SimpleVisor Fear-Greed Index vs CNN's 7:01 - Rotating from Value to Growth 10:08 - Lance's Halloween Recap 13:17 - Hedge Funds are De-grossing like crazy ahead of midterms (contrarian indicator) 16:14 - Investors prefer Congressional Gridlock - no time for knee jerk reactions 18:17 - Candy Preferences 20:07 - Financial Planning in the face of Midterm Uncertainty (40% Have no Plan) - Taking Advantage of Rule of 55 in Retirement 21:35 - Planning for Forward Rates of Return in Retirement 25:48 - Rate of Return Targeting 28:34 - What Can Make or Break Financial Plans 30:31 - Having a Purpose in Retirement (get him out of the house) 34:01 - How to Estimate for Higher Costs of Healthcare in Retirement (chat comments) 34:53 - Planning for Aging in Place (Carescout.com) 36:23 - Trends in Assisted Living 39:03 - Stress-testing Your Retirement Plan 40:50 - What's Your Number? 42:28 - Making Your Plan Work 44:05 - The Problem w Assisted living facilities: "Old" People (moat) ==== Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Check out our new & improved version of SimpleVisor: https://simplevisor.ai/ ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/6PDk4uwifK8 -------- Watch our previous show, "Is Big Tech Ready for a Comeback?" https://youtube.com/live/yMbcV2qCqMk ------- Watch Today's "Before the Bell" report, "Is Growth Ready for a Comeback? " https://youtu.be/tDgO1dreRW4 ------- * REGISTER for our next in-person event, "Retirement Blueprint: 12 Steps to a Financially Savvy & Secure Retirement," Saturday, November 7: https://realinvestmentadvice.com/resources/events/ ------- Articles Mentioned in Today's Show: "Above-Average Returns: Why The Next Decade Differs" https://realinvestmentadvice.com/resources/blog/above-average-returns-why-the-next-decade-differs/ "Real Wages 2026: Why Consumer Stocks Feel It First" https://realinvestmentadvice.com/resources/blog/real-wages-are-shrinking-again-watch-consumer-earnings/ "Growth vs Value Hit An Extreme As AI Spending Broke Big Tech" https://realinvestmentadvice.com/resources/blog/value-had-its-run-the-rotation-back-to-growth-is-setting-up/ CareScout planning site: https://www.carescout.com/ -------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketOutlook #GrowthStocks #TechnologyStocks #SectorRotation #InvestingStrategy #SP500 #MarketOutlook #CreditS