Retire with Eric 【Investing】

My 2025 Portfolio Review: Performance, Results, and Key Takeaways

Free access to the full article: www.patreon.com/posts/2025-portfolio-147396788

1 week ago | [YT] | 2

Retire with Eric 【Investing】

[12-23-2025] Economic Growth vs. Fed Policy: What Investors Should Focus On

This morning, the Commerce Department released its Q3 economic report, showing U.S. GDP grew 4.3%, well above the 3.2% expectation. The market initially sold off on concerns that stronger growth could reduce the likelihood of further Fed rate cuts next year, but later recovered, led by AI chip stocks such as Nvidia and Broadcom. Meanwhile, some crypto-related and defensive stocks, including certain retailers, traded lower.

Free access to the full article below:

www.patreon.com/posts/economic-growth-146542865?ut…

3 weeks ago | [YT] | 1

Retire with Eric 【Investing】

[12-10-2025] Fed Clears the Path for a Year-End Rally

As expected, the Fed cut short-term rates by a quarter point and indicated only one additional cut in 2026 and another in 2027. What may have surprised markets was the announcement that, the Fed will begin buying short-term Treasury bills for the next few months. This follows the pause of quantitative tightening on December 1st and effectively stops the ongoing reduction of market liquidity.

While this isn’t a return to quantitative easing, these Treasury purchases will inject additional liquidity and help keep short-term rates closer to the Fed’s targets. More liquidity is generally supportive of risk assets such as stocks and crypto.

Even more encouraging, the committee raised its 2026 GDP outlook by half a percentage point to 2.3%, signaling confidence in the economic trajectory. With monetary-policy uncertainty now largely behind us, investor focus shifts back to corporate earnings.

After hours, Oracle reported a revenue miss but beat on EPS. Free cash flow was once again negative pressured by large AI investments and debt used to fund them. Although management now expects a slower pace of datacenter spending than previously indicated, the stock is down about 11% in extended trading. As mentioned before, I would continue to avoid Oracle in the near term due to its weak balance sheet.


AI chip designer Broadcom reports tomorrow evening.

Bottom line: we still have a supportive Federal Reserve, with an expected rate cut and now an added boost of short-term liquidity. While future cuts may slow, the outlook for a strong 2026 economy matters more. I now see higher odds of a broader market “Santa Claus rally” into year-end, with the possibility of continued weakness in select AI names facing concerns over elevated datacenter investments.

1 month ago | [YT] | 4

Retire with Eric 【Investing】

[12-03-2025] Salesforce reported strong Q3 results with non-GAAP EPS of $3.25, easily beating the estimate of $2.86. Revenue came in at $10.26 billion, just slightly below expectations of $10.27 billion. The company raised its full-year revenue guidance to $41.45–$41.55 billion, up from the previous range of $41.1–$41.4 billion, and forecasted Q4 revenue of $11.18 billion, representing 12% year-over-year growth.

Its Agentforce and Data 360 segment continued to show exceptional momentum, growing 114% year-over-year in Q3. If this trend continues at a conservative 80% growth rate, this segment alone could generate nearly $10 billion in revenue next year. Assuming the core business remains flat at around $36 billion, total revenue in the upcoming fiscal year could reach approximately $46 billion, an annual increase of 10.8%. This trajectory supports management’s long-term goal—announced at this year’s Dreamforce—of maintaining 10%+ CAGR and surpassing $60 billion in revenue by FY2030.

The strong performance from the fast-growing Agentforce segment underscores Salesforce’s evolution from a traditional enterprise software provider into an AI-driven enterprise platform. I laid out this thesis in my video. While Wall Street’s concern that “AI is eating software” has pressured the stock this year, it also presents a compelling opportunity for long-term investors to build a position at today’s levels.

1 month ago | [YT] | 1

Retire with Eric 【Investing】

[11-26-2025] The market is heading toward a strong close after rebounding from the recent correction, led by AI and high-growth companies such as Broadcom and Robinhood. Retail names like Walmart and TJX are hitting new all-time highs thanks to value-seeking consumers. Although consumer sentiment remains weak, that hasn’t stopped people from spending. I went to Costco and Trader Joe’s over the past two days for Thanksgiving grocery shopping, and the stores were packed. Shoppers and staff were showing heightened spirits. The U.S. economy is doing just fine, and we will likely see a strong holiday season to finish the year.

I want to take this opportunity to thank everyone for being part of this community. I truly appreciate your support—especially those of you who have been with me since the launch of this channel a year ago. We are now approaching 1,000 subscribers!

I never thought I would reach this level. It may not seem significant to some, but to me, it’s pretty amazing.

Thank you, and Happy Thanksgiving!

1 month ago | [YT] | 4

Retire with Eric 【Investing】

[11-25-2025] Why Nvidia Remains the Dominant AI Platform Despite Rising Competition

Today’s Nvidia is far broader than it was a decade ago. The company began as a maker of graphics processing units (GPUs) used in computers and gaming consoles to handle data-intensive 3D graphics and enhance image rendering. Over time, this technology disrupted the traditional central processing unit (CPU) market—long dominated by Intel—because GPUs excel at parallel processing. As software applications became more complex and business data grew exponentially, general-purpose CPUs were no longer sufficient to meet modern computing demands. This shift toward accelerated computing led infrastructure companies to build high-performance servers powered by Nvidia GPUs instead of CPUs and integrate them into large data-center computing farms. This transition marked Nvidia’s rise as the leading computing-chip provider of the cloud-computing era, overtaking Intel.

To read the full article:
www.patreon.com/posts/why-nvidia-ai-144384504

1 month ago | [YT] | 3

Retire with Eric 【Investing】

[11-19-2025] Nvidia’s earnings came in stronger than estimated — just as I expected in my earlier post. Fiscal Q3 2026 revenue came in at $57B, up 62% YoY, higher than Q2’s 56% growth rate. Non-GAAP EPS was $1.30, up 60% YoY, also higher than Q2’s 54% increase. This confirms that AI-driven demand remains extremely robust.
Even better, Nvidia’s gross margin expanded to 73.4%, up from 71.3% in the prior quarter. This shows that not only is the business growing at an incredible pace, but Nvidia’s pricing power remains exceptional — and competition still isn’t close enough to pressure margins.


Management guided the current quarter to ~$65B in revenue, ahead of the expected $62B. That translates to 65% YoY growth, a clear sign of reacceleration after about a year of steadier growth. Operating margin is also expected to rise to 67%, compared to Q3’s 66%, Q2’s 65%, and Q1’s 63%. Current-quarter gross margin is forecasted to increase again to 74.8%, up from 73.4% in Q3. Wow — this is exactly what you want to see from a market leader: strong growth, expanding margins, and little sign of competitive pressure.


During the earnings call, management reconfirmed $500B in Blackwell-related bookings into 2026, and noted this number will only grow as new deals — including major commitments from Anthropic this week — continue to come in.


When asked whether we are in an AI bubble, CEO Jensen Huang explained that three computing transformations are happening simultaneously, driving explosive demand for GPU-accelerated computing never seen before:
1. General computing for traditional data processing
2. Generative AI for information search, retrieval, and content recommendation
3. Agentic AI for automation, coding, and human-like interactions


He added that a large portion of GPU supply is still being consumed by the first two transformations, leaving constrained availability for the rapidly growing Agentic AI segment. The AI revolution is still in the early innings.


Huang also emphasized that the rest of the world is only beginning to ramp up AI inference following the U.S. Inference is like “thinking,” as he explained — and “thinking is harder”, often requiring even more GPU power than training. This is likely the next major growth driver as productive AI applications scale beyond the learning phase.


Given all of this, I believe Nvidia is positioned to grow above 65% for at least another year, with the only real constraint being how fast their suppliers can manufacture GPUs and integrated systems. I’ve raised its intrinsic value estimate to $260 and set a new one-year target price of $330.


Join my Patreon community (7-day free trial) so you don’t miss the buying opportunities I share with members — including my recent purchases in GOOG, JNJ, and NVDA before their run-ups.

www.patreon.com/retirewitheric

1 month ago | [YT] | 3

Retire with Eric 【Investing】

[11-19-2025] All eyes are on Nvidia’s earnings tonight. The S&P 500 jumped 1% this morning, attempting to end its 15-trading-day correction, just as I explained in my latest video. Analysts are expecting $54.9 billion in revenue and $1.25 in EPS for Nvidia’s Q3 results. I believe Nvidia will easily beat these estimates — and more importantly, guide for stronger-than-expected Q4 growth. I believe in Jensen Huang’s leadership, and his comments about $500 billion in bookings over the next five quarters are grounded in real business demand, not hype.

There’s been a lot of concern among investors about so-called “circular financing” between the tech giants and OpenAI, with some claiming the revenue growth is inflated and that OpenAI isn’t generating enough real revenue to support its commitments. I see it very differently.

I’ll share my full perspective in the next video — and why I think the Big Short got this one completely wrong.

1 month ago | [YT] | 3

Retire with Eric 【Investing】

[11-17-2025] The market continues its downward correction. The S&P 500 has now fallen below its 50-day moving average, and as I explained in my lastest video, once that support breaks, the index could test the 100-day or even the 200-day moving averages in the near term.

CNN’s Fear & Greed Index is now in Extreme Fear. Uncertainty around the December Fed rate-cut decision, concerns about an AI bubble, and weak consumer sentiment are pushing investors out of risk assets like equities.

However, this is also when opportunities emerge. Focus on high-quality, financially strong companies with consistent double-digit earnings growth—and invest in them for the long term.

1 month ago | [YT] | 5

Retire with Eric 【Investing】

[11-14-2025] Worried about the recent market sell off?

My update with our Patreon members about where I believe the market is heading and what actions I plan to take. I’ll release a full video here this weekend with a deeper explanation.

www.patreon.com/posts/worried-about-143578552

1 month ago | [YT] | 3