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Welcome to the RLT Newsletter

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At the RLT Newsletter, our mission is simple: to educate and empower ordinary people to take control of their financial futures and manage their investments with confidence. We strive to help regular individuals like you invest and protect their hard-earned money to build a better life for themselves and their families.

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Frequently Asked Questions

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You’ll receive 4 regular weekly emails on Monday, Tuesday, Thursday, and Friday. Additionally, you’ll receive occasional emails with portfolio updates as needed.

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Do the RLT Newsletter analysts take all the trades in the portfolios?

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 Are the stocks reviewed in the Tuesday Top Trade Video part of the 4 portfolios?

Not necessarily. While active or prospective trades for the portfolios may occasionally be discussed, the majority of the video focuses on general market reviews and stock charts that appear interesting from a technical analysis perspective.

What is the Prosperity Portfolio?

The Prosperity Portfolio is a long-term swing trading system that focuses exclusively on the QQQ. This long-only strategy aims to outperform the market by staying out during bearish periods and remaining invested during bullish trends. Unlike traditional buy-and-hold strategies, it actively manages downside risk, making it ideal for long-term investors seeking steady growth with reduced volatility. With only a handful of trades each year, it’s a time-efficient resource for those who want to grow their portfolio without the need for frequent trading.

What is the YOLO MOMO Portfolio?

YOLO, short for “you only live once,” paired with MOMO, short for “momentum,” defines the essence of the YOLO MOMO Portfolio. This momentum-driven, aggressive swing trading strategy focuses on capturing significant moves in the market’s strongest-performing tech stocks. With an emphasis on relative strength and excellent risk-reward setups, this system offers the potential for outsized returns. It comes with high volatility and large portfolio swings, making it an ideal resource for traders seeking aggressive growth and who are comfortable taking on higher levels of risk.

What is the RL Swing Stalker Portfolio?

The RL Swing Stalker Portfolio is a short-term swing trading system that leverages advanced market scans to uncover opportunities. Using the R system for precise risk management, this strategy takes both bullish and bearish trades to maximize profit potential. It’s an ideal resource for active traders looking for a system with well-defined risk parameters and frequent trading opportunities.

What is the HODL Hero’s Portfolio?

The HODL Hero’s Portfolio is a long-term investing strategy aimed at achieving substantial returns by holding high-quality stocks for extended periods. Risk is managed using advanced options strategies. This long-term portfolio does not use the R system for risk management, meaning it can experience larger drawdowns. This portfolio is a resource for long term investors focused on long-term growth and who are willing to embrace more volatility.

DISCLAIMER - PLEASE READ BEFORE MAKING ANY RLT NEWSLETTER TRADES

Disclaimer: Each portfolio in the RLT Newsletter is a hypothetical paper trading account. Real Life Trading and its analysts use these portfolios as an educational tool. It’s important to note that Real Life Trading nor its analysts are actively managing live, real-money portfolios. The analysts and moderators may or may not trade any of the given equities.

CFTC Rule 4.41: These results are based on hypothetical or simulated performance results with inherent limitations. Unlike actual performance records, these results do not represent real trading. Because these trades haven't been executed, the results may have under- or over-compensated for the impact of certain market factors, such as the lack of liquidity. Hypothetical or simulated trading programs are designed with the benefit of hindsight, and no representation is being made that any account will or is likely to achieve profits or losses similar to those shown.

Trading Risks: Real Life Trading LLC (“Company”) is not an investment advisory service, nor a registered investment advisor or broker-dealer and does not purport to tell or suggest which securities customers should buy or sell for themselves. The independent contractors, employees or affiliates of Company may hold positions in the stocks, options, currencies or industries discussed here. You understand and acknowledge that there is a very high degree of risk involved in trading securities, options and/or currencies. The Company assumes no responsibility or liability for your trading and investment results. It should not be assumed that the methods, techniques, or indicators presented will be profitable or that they will not result in losses. Past results of any individual trader or trading system presented by the Company are not indicative of future returns by that trader or system, and are not indicative of future returns which will be realized by you. In addition, the indicators, strategies, and all other features of Company’s products (collectively, the “Information”) are provided for informational and educational purposes only and should not be construed as investment advice. 

MONEY MAKING BLOGS

HODL

Market Milestones: HODL the Line

February 21, 20254 min read

The SPY and QQQ saw some intraday selling on Thursday, but by the close, bulls had driven them back near the open, finishing with bearish hammers. The bulls keep showing up where they need to and are relentlessly buying the dip. SPY looks ready for another wave higher into the $630 region. A gap-up or a strong bullish candle will be needed for some momentum to push this move forward. A few of the Magnificent 7 sit at precarious levels where a bullish gap could kick off their next leg higher, most notably GOOGL, TSLA, NVDA and MSFT. If, instead, these names and the rest of big tech gap down, SPY could see one more solid retest before a nice move higher into summer.

GOOGL

google

As we stand right now, SPY, QQQ, and BTC charts all have me leaning cautiously bullish. BTC has been holding key support levels for months, and SPY’s Thursday low bounced exactly where it needed to. Key support on SPY is $603.00, and BTC’s key level is $92,000. A breakdown below those levels could trigger a sharp flush lower, creating a strong buying opportunity. As long as those supports hold, the market looks set to continue its slow grind higher.

SPY

SPY

I know I talk about Bitcoin a lot—probably too much if you’re not a fan—but get ready for another Bitcoin-heavy newsletter. IBIT remains my favorite vehicle for simple and easy Bitcoin exposure, and realistically, it’s the ETFs along with Strategy (MSTR) that are driving Bitcoin’s price action right now. On that note, how wild is it that Strategy (MSTR) will soon hold 500,000 Bitcoin? Even crazier, if the U.S. Strategic Bitcoin Reserve bill passes in its purest form, the U.S. could be buying as much as 1 million Bitcoin over the next several years. This is the next major catalyst Bitcoiners are betting on and if it doesn’t happen, we could see a severe correction. However, don’t get too bearish just yet as Bitcoin isn’t short on bullish catalysts right now.

Texas, the eighth-largest economy in the world, is pushing for its own strategic Bitcoin reserve, with plans to buy $500 million worth per year. At least 31 states have introduced similar bills, making a federal adoption even more likely. Adding to the bullish case, Howard Lutnick, a major Bitcoin holder with hundreds of millions in BTC, was just confirmed as the new Secretary of Commerce.

IBIT

bitcoin

As mentioned above IBIT remains a great option for direct Bitcoin exposure, and it’s arguably even better than spot Bitcoin for many people. Since IBIT became the most successful ETF launch in history, a wave of new products has followed. One that caught my attention is the NEOS Bitcoin High Income ETF (BTCI). Generally, I avoid high-income covered call ETFs, but I occasionally dabble for exposure and fun.

BTCI is an interesting product, possibly more so than some of the newer downside protection ETFs from Calamos (CBOJ, CBXJ, CBTJ). Those are worth considering for investors who want built-in risk protection, though I believe stops and protective puts work just as well—if not better—which is why BTCI intrigues me more. It’s currently set up to yield a 30% annual distribution, paid out monthly through covered call sales.

Diving into BTCI’s structure, is fascinating—not because it’s unique in the covered call ETF space, but because Bitcoin’s inherent volatility provides substantial premium opportunities. BTCI allocates 24% of its funds to HODL, the VanEck Bitcoin ETF, for direct upside exposure. It also establishes synthetic long positions by selling puts and buying calls at the same strike price. These synthetic longs are then used to sell covered calls against in order to generate the monthly income.

The fund charges a 0.98% expense ratio, which is high, but if it achieves a near-30% distribution rate, that’s a reasonable trade-off. Traders could mirror this strategy independently using IBIT and its options chain or simply buy BTCI and let the fund execute it for them. Synthetic longs work well in bullish or sideways markets but can be rough in bear markets. I plan to pick up a few shares of BTCI to see how it performs. For what it’s worth, the counterparty risk here is higher than that of IBIT, a BlackRock product. If you’re interested in tracking the synthetic longs I’ll be entering on IBIT over the coming months, make sure to subscribe to our RLT Newsletter.

BTCI

BTCI

One final note on Bitcoin at this level: while the bulls have fiercely defended the $92,000 support, a flush lower into the $80,000 range is still possible. That said, barring a black swan event, I don’t see Bitcoin dropping below $80,000 at this stage of the cycle. If we do see a price that starts with an 8, it will likely be the last true buying opportunity of this cycle. I also believe Bitcoin and SPY will move together in this next leg—whichever direction that may be—so keep a close eye on BTC, especially over the weekends.

BTCUSD

bitcoin

 

Husband | Father | Chief Market Analyst the for RLT Newsletter | Stock Trader & Investor | Bitcoin Bull | Real Estate Broker

Yates Craig

Husband | Father | Chief Market Analyst the for RLT Newsletter | Stock Trader & Investor | Bitcoin Bull | Real Estate Broker

Back to Blog
HODL

Market Milestones: HODL the Line

February 21, 20254 min read

The SPY and QQQ saw some intraday selling on Thursday, but by the close, bulls had driven them back near the open, finishing with bearish hammers. The bulls keep showing up where they need to and are relentlessly buying the dip. SPY looks ready for another wave higher into the $630 region. A gap-up or a strong bullish candle will be needed for some momentum to push this move forward. A few of the Magnificent 7 sit at precarious levels where a bullish gap could kick off their next leg higher, most notably GOOGL, TSLA, NVDA and MSFT. If, instead, these names and the rest of big tech gap down, SPY could see one more solid retest before a nice move higher into summer.

GOOGL

google

As we stand right now, SPY, QQQ, and BTC charts all have me leaning cautiously bullish. BTC has been holding key support levels for months, and SPY’s Thursday low bounced exactly where it needed to. Key support on SPY is $603.00, and BTC’s key level is $92,000. A breakdown below those levels could trigger a sharp flush lower, creating a strong buying opportunity. As long as those supports hold, the market looks set to continue its slow grind higher.

SPY

SPY

I know I talk about Bitcoin a lot—probably too much if you’re not a fan—but get ready for another Bitcoin-heavy newsletter. IBIT remains my favorite vehicle for simple and easy Bitcoin exposure, and realistically, it’s the ETFs along with Strategy (MSTR) that are driving Bitcoin’s price action right now. On that note, how wild is it that Strategy (MSTR) will soon hold 500,000 Bitcoin? Even crazier, if the U.S. Strategic Bitcoin Reserve bill passes in its purest form, the U.S. could be buying as much as 1 million Bitcoin over the next several years. This is the next major catalyst Bitcoiners are betting on and if it doesn’t happen, we could see a severe correction. However, don’t get too bearish just yet as Bitcoin isn’t short on bullish catalysts right now.

Texas, the eighth-largest economy in the world, is pushing for its own strategic Bitcoin reserve, with plans to buy $500 million worth per year. At least 31 states have introduced similar bills, making a federal adoption even more likely. Adding to the bullish case, Howard Lutnick, a major Bitcoin holder with hundreds of millions in BTC, was just confirmed as the new Secretary of Commerce.

IBIT

bitcoin

As mentioned above IBIT remains a great option for direct Bitcoin exposure, and it’s arguably even better than spot Bitcoin for many people. Since IBIT became the most successful ETF launch in history, a wave of new products has followed. One that caught my attention is the NEOS Bitcoin High Income ETF (BTCI). Generally, I avoid high-income covered call ETFs, but I occasionally dabble for exposure and fun.

BTCI is an interesting product, possibly more so than some of the newer downside protection ETFs from Calamos (CBOJ, CBXJ, CBTJ). Those are worth considering for investors who want built-in risk protection, though I believe stops and protective puts work just as well—if not better—which is why BTCI intrigues me more. It’s currently set up to yield a 30% annual distribution, paid out monthly through covered call sales.

Diving into BTCI’s structure, is fascinating—not because it’s unique in the covered call ETF space, but because Bitcoin’s inherent volatility provides substantial premium opportunities. BTCI allocates 24% of its funds to HODL, the VanEck Bitcoin ETF, for direct upside exposure. It also establishes synthetic long positions by selling puts and buying calls at the same strike price. These synthetic longs are then used to sell covered calls against in order to generate the monthly income.

The fund charges a 0.98% expense ratio, which is high, but if it achieves a near-30% distribution rate, that’s a reasonable trade-off. Traders could mirror this strategy independently using IBIT and its options chain or simply buy BTCI and let the fund execute it for them. Synthetic longs work well in bullish or sideways markets but can be rough in bear markets. I plan to pick up a few shares of BTCI to see how it performs. For what it’s worth, the counterparty risk here is higher than that of IBIT, a BlackRock product. If you’re interested in tracking the synthetic longs I’ll be entering on IBIT over the coming months, make sure to subscribe to our RLT Newsletter.

BTCI

BTCI

One final note on Bitcoin at this level: while the bulls have fiercely defended the $92,000 support, a flush lower into the $80,000 range is still possible. That said, barring a black swan event, I don’t see Bitcoin dropping below $80,000 at this stage of the cycle. If we do see a price that starts with an 8, it will likely be the last true buying opportunity of this cycle. I also believe Bitcoin and SPY will move together in this next leg—whichever direction that may be—so keep a close eye on BTC, especially over the weekends.

BTCUSD

bitcoin

 

Husband | Father | Chief Market Analyst the for RLT Newsletter | Stock Trader & Investor | Bitcoin Bull | Real Estate Broker

Yates Craig

Husband | Father | Chief Market Analyst the for RLT Newsletter | Stock Trader & Investor | Bitcoin Bull | Real Estate Broker

Back to Blog

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