Strong earnings from Nvidia have dominated headlines, and with it comes a familiar emotional tug for many investors: FOMO (the fear of missing out). For retirees and near-retirees, moments like these can create unnecessary stress and confusion about whether to chase big winners or stay the course with a long-term plan.
In this episode, Certified Retirement Counselor Mark Struthers breaks down Nvidia’s latest earnings report, the concentration risk highlighted in Charlie Wells’ Bloomberg article, and why emotional reactions like FOMO are normal but often unhelpful when you’re building or protecting your retirement portfolio. Mark shares practical ways to evaluate single-stock exposure, understand your time horizon, and align your investments with your real-life needs.
Listen in to learn how to navigate market excitement with clarity, reduce the pressure to “keep up,” and build a portfolio that supports your retirement without relying on perfect timing or chasing the hottest stock of the moment.
What You’ll Learn:
- Why Nvidia’s earnings triggered widespread FOMO and why that reaction is completely human.
- How concentration risk increases as you approach retirement and begin withdrawals.
- Why diversification becomes more valuable when markets are dominated by a few big winners.
- How to evaluate whether single-stock exposure fits (or doesn’t fit) your retirement goals.
- The real difference between process-based investing and outcome-based guessing.
- Why your time horizon (not headlines) should guide how you invest in the AI era.
Ideas Worth Sharing:
- “FOMO is normal. It’s human. When you see a stock like Nvidia rise dramatically, it’s completely natural to think, ‘Did I miss something? Should I have bought more?’” – Mark Struthers
- “Successful investing isn’t about guessing winners… It is about building a portfolio that has some level of predictability that supports your life in retirement.” – Mark Struthers
- “Remember, you don’t have to get every decision right. You don’t have to pick that hot stock. You’re busy living life… you shouldn’t be having to be worried about what the hot stock is.” – Mark Struthers
Resources:
- Work with Mark Struthers
- Subscribe to our Healthy & Wealthy newsletter: Subscribe here
- Running Into Retirement: A Runners Guide To Saving & Investing For Retirement by Mark Struthers
- Bloomberg Article: What Nvidia Earnings Mean For Your Investment Portfolio
Quotes from the Bloomberg Article:
“If you’re 20 years or more from retirement, having a lot in Nvidia is less of a risk—you’ve got time and ongoing savings to ride out a downturn. But if you’re close to or in retirement and taking money out, that kind of concentration can be too much. You don’t have the same time to recover if it drops.” – Mark Struthers
“For most of your long-term money, the question isn’t ‘Will I nail Nvidia?’ It’s ‘Can I get the return I need to reach my goals without swinging for the fences on one stock?’ A lot of the time, the honest answer is yes, and that alone can take some FOMO pressure off.” – Mark Struthers
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Disclosure:
Investment advisory services are offered through Sona Financial LLC (DBA Sona Wealth Advisors, Sona Wealth, Sona Wealth Management), an investment adviser registered in the state of MN. Sona Financial only offers investment advisory services where it is appropriately registered or exempt from registration and only after clients have entered into an investment advisory agreement confirming the terms of engagement and have been provided a copy of the firm’s ADV Part 2A brochure and document.
This video or article is for educational purposes only and is not exhaustive. Nothing discussed during this show/episode should be viewed as investment advice. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but is intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax, or financial advice. Please consult a legal, tax, or financial professional for information specific to your individual situation.
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