00433 September 16, 2023 Handout

Number: 00433

Published: 2023-09-16

Pages: 21

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The Market Only Rises Over the Long Term: Casual Investment Talk on Clubhouse

Disclaimer

Our videos and all related content are non-profit, and we do not run any groups. If someone pulls you into a group, it is a scam.

We have taught for more than twenty years on a fully voluntary basis and have never earned a cent. Do not trust any paid investment advice.

Recently, YouTube has placed ads on our videos. That is outside our control. Even with ads, we have not enabled monetization and will not receive a cent. Please do not misunderstand if you see ads.

The videos, all content, and comment replies are investment education only. All information is shared from personal experience for reference only, and is not investment advice for individuals or institutions.

We are not professional investment advisors (Certified Financial Advisor/Planner). The video content and comments/sharing are for educational purposes only and are not investment advice; all investment decisions should be based on your own research rather than our videos or statements.

Investing is risky, and losses can be substantial.

If you cannot tolerate a temporary drawdown of more than 10% within one year, or a loss of more than 20% over several years, please do not invest. When a bubble bursts, a 70% decline is possible; pay attention to the safety of your cash flow.

Invest cautiously. Investors should understand investing before they begin. We recommend fully understanding our investment philosophy before investing.

We also welcome feedback from people who have followed most of our videos. But do not judge from fragments; hearing a few sentences does not mean you fully understand our investment philosophy.

We Have Kept All of Our Videos on YouTube Since 2018

We keep these videos available so everyone can learn investing in chronological order. Some guidance was appropriate at the time but is no longer suitable now; these are all learning materials.
Viewers should consider the market environment at the time when thinking about the video content. These are all materials for learning investing; viewers should think independently and use their own judgment.
In 2018, some of our investment suggestions included individual stocks and general funds. Those were good investment targets at the time and had strong returns. After the market reversed, from late 2021 to early 2022 we gradually recommended leaving individual stocks and general funds entirely and investing only in the QQQ index fund.
When watching older videos, pay attention to the conditions at that time. Individual stock analysis is only for learning reference. Past general funds and ARKK are no longer good investments and are not recommended; we only recommend the QQQ index fund.
We have pinned updated guidance in the comment sections of older videos: please use judgment when watching past content. You may ask questions about older videos. All videos remain available only for investment learning and reference, not as investment advice.

Watch on YouTube: "Investment 101, a $100 Million Investment Life Lecture, 8, 2022, CLEC Investment and Financial Education Academy."

Watch on YouTube: "00398 2023 Annual $100 Million Investment Lecture, 27, 2023, CLEC Investment and Financial Education Academy."

Investors stay extremely optimistic!

Investors always face the sunshine!

The market will ultimately rise!

Investment needs patience!

Wealth is worth waiting for!

Subscribe, Comment, Like, and Share. Remember to Give Apple Podcast Five Stars to Receive Timely Market Updates.

The Market Keeps Rising Over Time

Watch CLEC Investment and Financial Education Academy on YouTube: https://youtu.be/QkBTUQVA0IE

Only short-term public debt (in less than a year, best three dollars/thai dollars) USD/TWD Within months.) is equal to cash. The principal is not lost.

China's trust in US government debt bonds from 0 to 1 year. ETF Funds (00864 B.TW Do not invest in so-called high-equity funds. High-equity funds are risky. The principal will lose as much as a share, not equal to cash.

00433 September 16, 2023 Handout - figure 9-1: CTBC U.S. Government 0–1 Year Bond ETF (00864B.TW); do not invest in so-called high-dividend funds — they are high risk, the principal can lose as much as individual stocks, and they are not equivalent to cash.

00433 September 16, 2023 Handout - figure 9-2: CTBC U.S. Government 0–1 Year Bond ETF (00864B.TW); do not invest in so-called high-dividend funds — they are high risk, the principal can lose as much as individual stocks, and they are not equivalent to cash.

U.S. investors except SWVXX Wait. Money Market They can invest directly outside the currency market fund. ETF Code BIL ( SPDR Bloomberg 1-3 Month T- Bill ETF ( BIL This is US 1-3. month Debt bonds. ETF, Performance $91.55 in dividends 0.405 and Money Market The currency market has a monthly rate of 0.004423%, as well as easy access.

If you're a non-American account, don't invest. BIL Because of non-American international accounts, dividends are not taxed.

00433 September 16, 2023 Handout - figure 10-1: 5.439% annual yield. Note: if you hold a non-U.S. account, do not invest in BIL — for non-U.S. international accounts, dividends are subject to withholding tax, which is not worthwhile.

SHV Yeah.

SGOV YIELD 3.87% YTD 3.43% Avg Volume 2,478,220

BIL YIELD 3.89% YTD 3.2% Avg Volume 6,437,619

SGOV Not bad!

SHV Yeah.

00433 September 16, 2023 Handout - figure 11-1: SGOV is also a good option!

ROTH can be used as an emergency reserve if contributions have been in the account for more than five years and can be withdrawn without penalty

Whether it is a Traditional IRA or a ROTH IRA, if you put the money back within three months after withdrawing it, there is no penalty.
So this can be the source of emergency funding.
In fact, assets in the brokerage account should not be sold; they should stay fully invested because selling creates tax.
If you do not have PAL, use ROTH funds first when you need cash because there is no tax. If your regular brokerage account does not have much money and you are already 59 1/2, you may be able to move ROTH IRA assets into a regular brokerage account so there is enough collateral to apply for PAL and borrow for spending.
If you sell stocks in a regular taxable account, capital gains tax makes it uneconomical.

Knowing how to use money, invest it, and use it to create more spiritual energy makes you wealthier

It is recommended that you learn, and try to teach anyone who deserves it. Teaching, investing, thinking more. Answer the questions, think, learn, grow. Share what we know, grow faster and benefit more.
It's wealthier to use money, to invest, to generate more spiritual energy.
If time is spent criticizing others, using cleverness, rhetoric, and spending money on meaningless objects, it only gets poorer.
The rich will be richer by spending their money on raising mental energy and investing in businesses that increase human life.
Pay more, get more, get richer.

Buffett says people who understand long-term value investing understand it within five minutes and resolve to execute it

Those who do not understand may spend a lifetime not understanding it and may still refuse to believe it.
Don't waste time on people who don't understand.

Long-term investment is enough.

Short-line projectors are losing their lives!
Investment, finance, credit, finance, mortgages, mortgages, mortgages, funds. All financial instruments are instruments and are neutral.
Financial instruments are not good or wrong, only the person concerned, how they are used, and only the proper use of financial instruments to choose the appropriate financial instrument.
Understanding the risks you can take, familiar with the real functions and risks of each tool, knowing that the market will fall again and again, be careful, careful and careful. Walk slowly, understand and do.
It's hard to imagine investors who have never been to the market, so no matter how many books they read, no matter how many financial managers they see, they're less likely to experience it. Personal experience is the only way to know yourself, learn the market, and understand the true nature of investment.
The market is so low, so it can't distinguish between investment and investment. A lot of people are investing and think they're investing.

Acceding!

Face it all!
Put everything down!
Heartless!
No worries!
Physical freedom!

They can't make money because they can't stand it, and even if they have the chance, they don't deserve to torture themselves. Not everyone is suitable for investment.

If you get into the market, you're still very confused for a while, and you don't fit to invest, you leave, and you don't invite yourself.
They can't make money because they can't stand it, and even if they have the chance, they don't deserve to torture themselves. Not everyone is suitable for investment.
Any investment must be well-eating, sleepless, and free from worry is the right way to invest.
We can take a jogging exercise, but Mount Denhmaraya is not the kind of person who can afford to take the risk he can't take, and investment is the same thing that we do.
Although the view is beautiful, it may make a fortune in the future. I don't have to go beyond my ability to see tomorrow's sun.
Earn the money we are able to earn. Do not obsess over wealth that exceeds the risk you can bear or your own ability; that money does not belong to us. Invest within your means and use conservatism as the principle. Margin financing is prohibited because it leads to bankruptcy.

In America, you sell stock, you pay taxes in half. How would you save taxes?

If you don't sell stocks, you can borrow money and you don't have to. Stock and money, if you want. Why not?
The stock is rising, borrowing money, not paying, not selling stocks, not paying taxes.
The bank doesn't want you to pay because your stock is worth far more than you owe. The banks don't worry. Don't worry about the banks. The banks don't worry anymore. What are you worried about?
It doesn't matter if the bank asks you to pay interest, lends $100,000 a month, pays $2,000, and has $98,000 available.
More interest in the future, $110,000 in a month, $5,000 in interest, and $150,000 in money.
From $50 million to $130 million, the bank owed $15 million.
It's money to spend, money to spend, money to spend, never to spend, never to pay, never to sell stocks, never to pay taxes.
But you have to have enough assets to make that happen.

The market rises over time; that is beautiful and encouraging.

Invest with calm conviction.

Market volatility has nothing to do with me!
International affairs have nothing to do with me!
Market analysis has nothing to do with me!
Financial statements have nothing to do with me!
Economic conditions have nothing to do with me!
Everything has nothing to do with me!
Ignore market noise and volatility!