Mad Money w/ Jim Cramer Mad Money w/ Jim Cramer 12/31/25
Jan 1, 2026
Jim Cramer navigates the investing jungle, emphasizing the importance of suitability based on age and risk tolerance. He tackles viewer calls on IRA strategies and suggests teaching kids about investing with familiar brand stocks. For newborns, Cramer recommends S&P 500 ETFs and UGMA accounts. He contrasts short-term treasuries with long-term equities for growth, while advocating a balanced approach between technical analysis and fundamentals. Lastly, he highlights the benefits of a 30-year investment horizon, ensuring there's always a bull market to find.
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Suitability Is Central To Investing
- Suitability means matching investments to an investor's age and temperament, not short-term fads.
- Jim Cramer says brokers should ensure recommendations fit a client's risk tolerance before advising them.
Answering Machine Tip Led To Suitability Lesson
- Jim Cramer recounts using an answering machine message to recommend hot stocks like Monolithic Memories.
- A Goldman Sachs officer later taught him about suitability after hearing that recorded recommendation.
Start Kids With Indexes, Dividend, And Growth
- Do start kids' savings with cheap S&P 500 ETFs and a total return fund to compound over decades.
- Also give children one dividend stock and one high-quality growth stock to teach income and growth investing.