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| By Nilus Mattive |
I’m currently in Boca Raton for the 2026 Weiss Investment Summit.
If you’re here, make sure you find me and say hello.
And if you aren’t here, make sure you come to the next one because it’s an amazing event … at a terrific resort … full of great insights from our entire team of editors and analysts.
I love the fact that I get to talk about things I don’t — or can’t — share with bigger groups of people.
For example, at a summit back in September of 2023, I used the last part of my presentation to tell the audience about a small gold mining stock that I had in my Roth IRA.
At the time, it was simply too small and too illiquid to mention to a larger number of people in one of my regular publications.
But it was recently up about 936% since the day I mentioned it on stage and is the primary reason that my personal retirement account went up roughly 10x over the last six years.
Now, at this point, you might be wondering how (or why) someone like me — who typically avoids risk as much as possible — would even consider putting retirement money into tiny stocks that can just as easily go to zero as rise 900%.
My answer is pretty simple …
The individual risk associated with a particular investment is only part of the equation.
You also have to consider the bigger picture — how different investments fit together with each other and within the context of your total net worth.
Which is why I have come up with a strategy I call “intelligent speculation.”
Essentially, it’s about making small, calculated bets in a group of inherently risky investments with the idea that only a small percentage will likely work out.
The secret is this: As long as a couple of the rare winners produce VERY BIG gains, the overall result will still be terrific … maybe even enough to affect the overall performance of your much larger portfolio.
Just to recap how the math works, consider the following table …
In the portfolio above:
- Three investments lose ALL of their value …
- Four more lose HALF of their value …
- And two more lose a QUARTER of their value!
The typical investor would not want to own a portfolio where nine out of ten investments lose large amounts.
Even if I said investment number 10 was going to be a huge winner — making 1,000% — they might be inclined to avoid this portfolio without taking out a calculator.
But assuming equal amounts in each investment, the one big winner not only makes up for the nine other losers … it produces a very solid overall gain of 35%!
Indeed, just a couple triple-digit winners can seriously impact a much larger portfolio … something I’ve already proven with the “risky” crypto-related recommendations I made to Safe Money Report readers a few years ago.
Rather than using the specific examples — which include several triple-digit banked gains — here’s a much simpler illustration to show you what I mean …
If a portfolio has just ten stocks that go up an average of 10% each, its return is 10%.
But if you substitute one of those stocks with Bitcoin and the latter goes up 200%, the same portfolio’s return is now 29% — almost three times more!
Meanwhile, if Bitcoin went to zero instead, the portfolio’s return still would have been 9%!
So you risked one percentage point of return to gain 19 percentage points of upside.
Which brings me back to my personal IRA accounts.
I started off testing this approach in one single Roth IRA account, which represented a very small portion of my overall investment portfolio.
Over the last six years, I experienced a couple big winners and several complete losses.
Which is pretty much what I expected.
Yet overall, my account has gone up more than ninefold.
That was actually better than I expected. But it proves that “intelligent speculation” can work quite well.
So where am I taking it from here?
Well, I’ve started to expand the concept into another one of my IRA accounts.
Tomorrow I’m going to give our summit attendees more details on this approach … what my new goal is … and five new small stocks I’ve been targeting with my personal retirement funds.
So, if you’re here, you can look forward to hearing the details tomorrow.
But even if you’re not, I wanted to at least give you a broad overview of something I’m doing personally that I don’t really talk about much in my regular articles or services.
It’s something that you can certainly consider doing yourself, too.
You can even use the Weiss Ratings to help identify some smaller companies (or cryptos) with big profit potential.
Just make sure you start off slowly and only use a small percentage of your overall portfolio.
And remember that you have to be ready for big losses as well as big gains.
Best wishes,
Nilus Mattive
P.S. It’s never been easier to access proprietary Weiss Ratings data to find your first “intelligent speculation” plays.
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