7-20-26 Why Retail Traders Keep Losing

Why do so many retail traders consistently underperform the market over time? Despite unprecedented access to information, sophisticated trading platforms, artificial intelligence, and social media investing communities, the average individual investor continues to lag behind long-term market returns. Lance Roberts examines the behavioral and structural reasons behind retail investors' poor performance. From emotional decision-making and chasing momentum to overconfidence, excessive trading, poor risk management, and market timing mistakes, we'll explore why doing more often leads to earning less. 0:00 INTRO 1:03 - Momentum Meltdown 5:20 - What is the VIX Telling Us Now? 10:44 - Weekend Recap - Venus & Mars 14:30 - Home Affordability is Better Than Headlines Suggest 18:33 - Then vs Now 24:06 - The Ten Laws of Money 24:55 - Why Retail Investors Under-perform 27:58 - The Investor Return Gap 30:26 - Buy & Hold vs Average Retail Investors 39:40 - Don't Speculate w Your Savings 42:40 - Average Retail Options Losses 43:42 - Five Investing Tactics Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- 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/neGG2EOd8SM ------- Articles mentioned in this report: "Home Affordability: Better Than Headlines Suggest" https://realinvestmentadvice.com/resources/blog/home-affordability-today-is-better-than-the-headlines/ "Money: The 10 Immutable Laws Of Building Wealth" https://realinvestmentadvice.com/resources/blog/money-the-10-immutable-laws-of-building-wealth/ "Why Retail Traders Consistently Underperform Over Time" https://realinvestmentadvice.com/resources/blog/why-retail-traders-consistently-underperform-over-time/ "Greed And How To Lose 100% Of Your Money" https://realinvestmentadvice.com/resources/blog/greed-and-how-to-lose-100-of-your-money/ --- Watch today's "Before the Bell" premarket commentary, "Markets Test Support as Volatility Stirs," https://youtu.be/tdipv_cxBQ4 ------- Watch our previous show, "Roth Rules and Dividend Myths" https://youtube.com/live/K-mLdepNr6Y?feature=share ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Dynamic Learning Series, "Savvy Social Security Planning: More Income, Less Worry," Thursday, August 6, 2026: https://streamyard.com/watch/tQ3PS8hd64mt --- 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/ #StockMarket #SP500 #VIX #EarningsSeason #RiskManagement #RetailInvesting #BehavioralFinance #Investing #WealthBuilding