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The Truth About Insurance: Buying Insurance Is Always a Loss. The More Insurance You Buy, the Poorer You Become! Do Not Buy Insurance: Casual Investment Talk, CLEC Investment Channel, Post Date: December 02, 202000049 Short: Questions from Taiwanese investors: Are 00662's internal expenses a problem? Tax issues with sub-brokerage and overseas brokers. CLEC Investment and Finance Channel, September 29, 2023November 27, 2023 Recalculation: The Very Different Fates of Buying and Renting After Thirty Years, Second Edition00004 Special Topic: Systemic Risks You Must Know About Securities-Backed Lending! Know the Risks; Understand the Risks; Control the Risks!2x and 3x LeverageBeta CalculationDo Not Open an Account with an Overseas Broker; Do Not Use Sub-BrokerageCan I Contribute to a Traditional IRA After Maxing Out My 401(k)?If You Still Have to Ask About Asset Allocation for Stock Pledging, You Should Not Pledge or You Could Go Bankrupt!My U.S. Brokerage Is Charles SchwabWhy We Recommend Investing in the Nasdaq-100 Index Fund Instead of the S&P 500Cash is like air: it may not generate profit, but it can keep you alive! Rev 1.1Which account is more tax-efficient for cash in money market funds and leveraged funds?Smart Rebalancing MethodQuestions About Asset AllocationThere Must Be a Limit to Human PessimismSimple Investing Method: Buy a Home or Rent and InvestSafe Asset Allocation for Retirees With No Income Who Use Pledged Stock Loans and Have Already Borrowed a Large Amount! rev. 2.0Asset Allocation When You Have Pledged Stock, Whether Retired or Not, and Whether You Borrow for Expenses or NotLeveraged Funds, Cash, and QQQ/SPY Portfolios: Risk and Return monte_carlo_sim_cagrUnited States and Taiwan: Retirement Asset Allocation for Living by Withdrawing From Assets, Without Pledging, Across Different Funding Levels!Who Can Use Stock Pledging, Who Can Use Leveraged Funds, and Understanding Their RisksWho Can Use Stock Pledging and Leveraged Funds: Understanding the Risks, rev 1.0Asset Allocation Article Information SummaryIf Your Funds Are Not Enough, You Have Not Started Pledging, You Have Not Watched the Videos Carefully, and You Have Not Studied the Excel File, Do Not Ask Pledging Questions!Stock-Collateral Loan Questions: Reply rev 1.0Asset Allocation for People Still Some Time Away from Retirement rev1.0Asset Allocation for People Still Some Time Away from Retirement rev2.000662 and QQQ Performance Question
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Questions About Asset Allocation

Questions About Asset Allocation

Questions About Asset Allocation cover
Number: P-037
Published: Not specified
Pages: 2
Source filename: 【關於資產配置問題】.pdf
Original PDF: Open PDF

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  • Previous presentation: Smart Rebalancing Method
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Click the link below and carefully study the article and videos in Asset Allocation Article Information Summary. Read them until you understand them. If you still do not understand, you may ask questions.

https://docs.google.com/file/d/1Ov3k3CcLYoCcaKAh_PWBIzJ6JVL4VGte/edit?usp=docslist_api&filetype=msword

Please read carefully, understand the handouts and Excel files, clarify your personal situation, decide which scenario's asset allocation you plan to use, and identify the specific problem you have. Then provide the following personal information and questions:

Are you retired, or not yet retired?

How old are you now? When do you expect to retire?

Do you have securities-backed lending, or not?

If you already pledged assets, did you borrow a lump sum from it at the start?

How much in assets do you currently have?

If you are still working, do you need to withdraw money from investment assets for spending? How much do you need to withdraw each month?

If you are still working and do not need to withdraw from assets, how much can you still invest each month?

After retirement, how much money will you need to withdraw from assets each year?

Do you have any large expenses in the next three to five years, such as children's tuition or a home purchase plan?

Beyond these questions, describe your situation, or a hypothetical scenario, and tell me which scenario from video 00005 you plan to use for asset allocation. Then ask what problem you have with that planned allocation. A question framed this way is more specific, and I can answer more accurately.

The highest guiding principle for asset allocation is that under any extreme condition, including bonds or time deposits earning no interest, borrowing rates rising sky-high while stock prices fall to zero, or markets closing, the allocation should still provide:

Long-term stable cash flow.

Disclaimer

Emergency funds that can be accessed at any time.

Assets that can keep growing and resist inflation.

Disclaimer

All emails, video content, and replies are for reference only. I am not a professional investment adviser or tax professional. All information is only personal experience sharing. Invest carefully, and take responsibility for every investment decision and action yourself.

Draft: James.

Smart Rebalancing Method

Smart Rebalancing Method

There Must Be a Limit to Human Pessimism

There Must Be a Limit to Human Pessimism

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