Appendix IV: CLEC Investment Philosophy Cheat Sheet

Core Beliefs

Wealth is a birthright. Happiness is a human right. We rise and fall with America and human technology.

One, buy only NASDAQ-100 index funds (QQQ / 00662 / 513100 and regional equivalents). Two, buy when you have money, market-order, no timing, no waiting, no hesitation. Three, never sell. Treat the index fund as permanent real estate, held across generations. Four, when you need cash, pledge-borrow, don’t sell. Five, pledge ratio no more than 20% of position market value — non-negotiable.

Prohibitions

One, no operations, no swing trading, no candlestick reading, no technical analysis. Two, no individual stocks, no bonds, no insurance products, no real estate (as investment). Three, no margin — only pledging. Four, no investment groups. Five, no listening to wealth advisors, bank consultants, financial pundits.

Risk Management

One, working: at least 6 months of emergency cash. Two, retired: at least 3 years of living expenses. Three, before investing, simulate a 70% drop (cut in half, then cut in half again) and confirm you can still live normally. Four, money you can’t afford to lose absolutely must not enter the market. Money you can’t lose goes to CDs.