If You Still Have to Ask About Asset Allocation for Stock Pledging, You Should Not Pledge or You Could Go Bankrupt!

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• If you can understand our articles and videos, you should be able to build your own asset allocation. If you are still confused after reading and watching them, it means your financial literacy is not sufficient. That is not shameful; most people are in this category. Many very intelligent people do not have strong financial literacy. Just admit what you cannot do. Building wealth through investing does not require borrowing or securities-backed lending. What you need is a safe asset allocation that you can follow all the way through. Not pledging assets and not borrowing is easier to sustain.

• If you have already built your own asset allocation, tell me which allocation or situation you are using, why you chose it, and explain it to me before asking your question. Then I can confirm that you really understand. If you know nothing, every conversation becomes talking past each other. If you do not first read our articles and videos and understand them, you will never understand by only asking questions. It is impossible to build a pledged-asset allocation purely by asking questions when you do not understand asset allocation.

• If you do not understand and do not read or watch the materials, it is impossible for me to teach you step by step through email or comments.

• If you do not carefully study the articles, information, and videos below, you will definitely have many problems. If you do not understand, there is bankruptcy risk. You must understand asset allocation before doing securities-backed lending. Even people with graduate-level finance training may need a long time to understand this. If you cannot understand it, that is normal, and you do not necessarily need to pledge assets and borrow.

• Only when you can understand the articles and videos do you have the financial literacy and ability needed for securities-backed lending. If you cannot understand it yourself, do not pledge assets; you may go bankrupt.

• If you cannot understand the articles and videos and still come ask me, then there is no need to ask. You do not have the ability to use securities-backed lending. If you do not have the ability and still pledge assets, you will likely go bankrupt. Ordinary people should first consider living well without pledged borrowing or leverage. Do not force it. Some things are simply not suitable for some people.

• If you cannot build your own asset allocation after watching our videos and reading our articles, your financial literacy and ability are not enough to understand them.

• If your ability is not enough, do not pledge assets. An allocation such as 80% 00662/QQQ (or 00646/SPY) and 20% cash in 00864B or a money market fund, rebalanced yearly, can still build wealth. Or high-dividend 0056 or SPHD can work if the dividends are enough to live on. You do not necessarily need securities-backed lending. Asset allocation does not always need to maximize returns; staying alive financially is most important.

Simplified 30% Simulation of Asset Allocation for Different Investor Profiles, rev 4.0f2

• Please study the information again. If you do not understand it, do not pledge assets, or you may go bankrupt. You will not understand only by asking questions without reading the articles and watching the videos. The risk is high. If you do not understand pledged borrowing and still do it, you may go bankrupt.

• Investment risk management https://youtube.com/playlist?list=PLiskER8xug1dxX1-UVDicxBW2FfEicJis&si=e1Y5gKe9AH1A9LH1

• About asset allocation questions https://docs.google.com/file/d/1PPY5Um7sK_iNw2AUZ6jTb1ogslP87u_i/edit?usp=docslist_api&filetype=msword

• Securities-backed lending

• https://youtube.com/playlist?list=PLiskER8xug1fnokKkXsrHAUaxNOp9XqAd&si=q6Oh-Fw8_p2YaEqm

• Asset allocation article information summary. Read the articles and watch the videos carefully; understand them first, and ask if you still do not understand. https://docs.google.com/file/d/1Ov3k3CcLYoCcaKAh_PWBIzJ6JVL4VGte/edit?usp=docslist_api&filetype=msword

Simplified 30% simulation of asset allocation for different investor profiles, rev 4.0f2, video 00466.

https://docs.google.com/file/d/1fCrU_QJj7a3OQqzGYoppmYL31vbi9Yn5/edit?usp=docslist_api&filetype=msexcel

• https://docs.google.com/file/d/1T882J-WuW-p5EzUgZN_IET_8aNtOsgwS/edit?usp=docslist_api&filetype=msword