Editor's note: Today, we're turning things over to our friend Dr. David "Doc" Eifrig... Regular readers will be familiar with "Doc." He's the CEO of our parent company MarketWise. He's also the editor for several publications at our corporate affiliate Stansberry Research.

Editor's note: Today, we're turning things over to our friend Dr. David "Doc" Eifrig... Regular readers will be familiar with "Doc." He's the CEO of our parent company MarketWise. He's also the editor for several publications at our corporate affiliate Stansberry Research.  Doc's career ranges from Wall Street to medicine... He worked for big firms on Wall Street for years before leaving to get his M.D. from the University of North Carolina. He spent years as a board-eligible eye surgeon before pivoting again... this time writing health and investment newsletters to help everyday investors find their best retirement. Put simply, Doc has seen it all over the decades.  The essay we're sharing today was recently published in the July 8 edition of his free Health & Wealth Bulletin e-letter. In it, Doc shares some insight into how to best prepare for your own retirement... I Dread This Question By Dr. David Eifrig, CEO, MarketWise When people learn about my years on Wall Street and writing investment newsletters, the next question I get is always the same... I've had several careers, so I've seen this phenomenon from multiple angles. When people find out I make my own wine... they ask for a bottle. When I mention my medical career... they show me their rash or ask for my opinion about some injury they suffered. And when they learn about my experience in finance... they always ask the same question: "What should I buy today?" The reason I hate that question is that there's no good answer... How can I (or anyone) answer that question without knowing your goals or risk tolerance? Without the answers to those questions (and a dozen others), my response is almost irrelevant. Unfortunately, many investors don't actually understand their risk tolerance. Here's the thing... Adding an appropriate amount of risk to your investments greatly improves your portfolio performance. Risk in the market is measured by something called volatility... The more volatile the investment, the more the price swings up and down. That's why stocks are much riskier than bonds or money-market accounts. Their prices are more likely to bounce up and down. That means that you stand to make a lot more as the stock moves up, but you could also lose more as the stock falls. If you're taking on too much risk, your portfolio could take a big hit... especially if we go into a bear market. If you're new to investing, you may lack the confidence to take investment risks, too. Maybe it has even kept you from investing at all, and you've missed out on the incredible gains from the current bull market. So to get you started today, I want you to assess your own risk tolerance using the guide below... Recommended Links: Five Wall Street Legends Join Disturbing Event on July 16 On July 16, fintech genius Keith Kaplan will unveil a breakthrough new system that could double your portfolio by spotting the biggest jumps on 5,000 stocks, BEFORE they occur, with 83% back-tested accuracy (includes two free picks in a major event backed by five Wall Street legends, and a disturbing new prediction for the market). Click here to reserve your spot now. TOMORROW: Elon Musk's Trillion-Dollar Technology REVEALED You can now predict the path of 5,000-plus stocks using the mathematics behind the predictive algorithm that lets SpaceX track the path of 10,600 Starlink satellites with near-perfect accuracy. Tomorrow, you're invited to see how this breakthrough generated 100% winners on individual stocks like Nvidia, Advanced Micro Devices, and Zillow during a decadelong back-test period (and gains up to 4,200%). Click here to see this breakthrough for yourself. What's Your Risk Tolerance? Before we start, let's review the common investment vehicles and where they fall on the risk spectrum: As you can see, the least risky investments are cash and cash equivalents, like certificates of deposit. These are usually very stable investments, but ones that have low yields. The riskiest, of course, are stocks. Stocks are the most volatile, but they also produce the biggest gains. So when considering how much to invest in each class, start with a few simple questions. Write down your answers and keep them for reference whenever you make future investing decisions. In fact, it's a good idea to review your plan and risk level each year. Consider the following: 1. How close are you to retirement? A popular theory is the "100 minus age" rule. Take your age, subtract it from 100, and that's the percentage you should invest in stocks. That means a 35-year-old woman should have about 65% of her portfolio in stocks. The idea is that the younger you are, the more time you have to recover from losses. So you want to take on more risk earlier. However, this is still a general guideline. Everyone needs to determine how comfortable they are with that kind of risk – that's why we have two other questions... 2. What is your primary investing goal? Are you looking to preserve your wealth, generate income, or grow your investments? These choices represent different levels of risk as well. For example, if you want to generate income, buying dividend-paying stocks will yield more than a typical savings bond, so you'll want to account for that increase in risk. One solution: Consider multiple accounts. We know a few folks not only have a conservative, "retirement only" account, but also a trading account where they take on more risk. This is a great way to potentially earn big gains without doing damage to your retirement nest egg. 3. How much are you willing to lose in a one-year period? Before investing in anything, figure out how much you are comfortable losing and write it down. If you don't want to risk much, opt for less risky investments. Also, be disciplined about selling an investment if it falls by that amount. Here's to our health, wealth, and a great retirement, Dr. David Eifrig Editor's note: Before joining Stansberry Research, Doc helped build trading algorithms for Goldman Sachs' largest clients... And tomorrow at 10 a.m. Eastern time, Doc will be going on camera to discuss the most unlikely trading breakthrough of his long investing career.  In short, this system uses satellite-tracking technology to predict a stock's next move. As Doc says, it can lead to big gains from the same stocks year after year. In back testing, this system delivered gains of 263%, 444%, 678%, and 2,487%. Doc's special event is completely free to attend. Just reserve your spot – and get more details on his incredible breakthrough – right here. Market View Major Indexes and Notable Sectors     # Hld:     Bullish     Neutral       Bearish Dow 30 -0.25% 9 15 7 S&P 500 -0.77% 120 301 77 NASDAQ -1.90% 22 63 20 Small Caps -0.85% 669 1062 324 Bonds -0.59%   Oil, Gas and Consumable Fuels +4.17% 19 28 4 — According to the Chaikin Power Bar, Small Cap stocks and Large Cap stocks are Bullish. Major indexes are all bullish. *  *  *  * Sector Tracker Sector movement over the last 5 days Energy +6.79% Communication +1.25% Real Estate +0.93% Utilities +0.93% Staples +0.58% Financial -0.12% Health Care -0.34% Information Technology -1.25% Discretionary -1.67% Materials -2.69% Industrials -2.80% *  *  *  * Industry Focus Regional Banking 112 46 1 Over the past 6 months, the Regional Banking subsector (KRE) has outperformed the S&P 500 by 5.42%. Its Power Bar ratio which measures future potential is Very Strong, with more Bullish than Bearish stocks. It is currently ranked #3 of 21 subsectors and has moved up 1 slots over the past week. Top Stocks AMAL Amalgamated Financial Corp. AROW Arrow Financial Corporation ASB Associated Banc-Corp *  *  *  * Top Movers Gainers FDS +6.47% IT +6.06% INTU +5.38% VLO +5.38% PSX +5.27% Losers APP -12.65% SNDK -12.63% MRVL -7.75% ORCL -6.47% INTC -6.12% *  *  *  * Earnings report Earnings Surprises No significant Earnings Surprises in the Russel 3000. *  *  *  * You have received this e-mail as part of your subscription to PowerFeed. If you no longer want to receive e-mails from PowerFeed, click here. You're receiving this e-mail at reunisoft.cryptonews@blogger.com. For questions about your account or to speak with customer service, call +1 (877) 697-6783 (U.S.), 9 a.m. - 5 p.m. Eastern time or e-mail info@chaikinanalytics.com. Please note: The law prohibits us from giving personalized financial advice. © 2026 Chaikin Analytics, LLC. All rights reserved. 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