00434 September 23, 2023 Clubhouse

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

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!

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The Market Keeps Rising Over Time

Dec. 2009 earthquake to September 2010, earthquake for 10 months

• Between 2009 and now, in 2022, 13 times more than in 13 years: 45% of the year of shock, and below are the areas of shock.:

• Dec. 2009 earthquake to September 2010, earthquake for 10 months

• It was only 12 months of shock for a year in 2011.

• The March 2012 earthquake ended in 10 months.

• December 2013 to May 2014, six months after the earthquake

• November 2014 to June 2016. Eighteen months.

• December 2017 to 2019, a year and two months.

• Next 2020. Covid 30% drop in a month.

• In the last 13 years (156 months), 70 months, 45 per cent of the time of the increase was in shock. covid A 30 percent drop in a month, most of the initial shock is normal.

• So the general feeling is that the market won't go up, and that it needs to be operated.

• In many cases, the market is not leaving, and the capital is up 13 times.

Lin Xia (Thank you very much)

• I just found three. etf It's available in Canada, about 5%. yield.

• CASH.TO pays monthly interest and can be used in tax-free and retirement accounts. Current interest is about 5.5%.

• HSAV.TO No interest, stock prices have been rising. Mainly for yourself. brokage account I won't. interest / income tax, Change to capital gains tax. 6% annual value added in the last year

• PSU.U.TO: on Yahoo Finance use PSU-U.TO. It is a USD-traded ETF. The annualized yield is 6.13%, with monthly distributions up to about 0.5 when the price is 100.48.

• I hope it'll help other students. TDB & amp; RF The banks themselves. mutual fund, Not from any other brokage Sale

$ 0.225 / $50.2 = 4.48% annualized remuneration (1+4.48%) ^12 - 1 = 5.51%

0.5 / $100.48 = 4.497 per cent annualized remuneration (1+4.49 per cent)

The teacher's teaching, basically the same thing as the teacher's central idea, is that "money buys or sells."

• The teacher taught us about borrowing, securities-backed loans, and credit loans. I have not used them yet. I opened Charles Schwab and Schwab's international debit card, and am learning about the 3% retirement rule, Beta 1.0, maintenance rates, and cash flow.

• At first, I put most of the money in the United States, but after being directed by the teacher, almost 95% of the money was moved back to buy 00662, and suddenly I found out that the bond dealer's stock was so good. credit line. Although I have high debt, I'm not worried that these are all my assets, and I've got a lot of money to adjust, not to worry about bank mortgages, so I can borrow one of my stock bonds to pay off the mortgage. New HELOC Repay the pledge. It'll basically keep going. HELOC The interest is still a little cheaper than the pledge so I can always pay the principal.

I can also help friends, family, and someone who has a chance to invest properly.

• I come to class almost every week, and sometimes I hear it back, and I can learn some financial knowledge about other people's problems.

• I can also help friends, family, and someone who has a chance to invest properly.

• I'm sure I'll be like a teacher in the future.

Low interest rates are favourable for exports and export, but cheap labour and national resources. Low interest rates, good capitalists, bad labor.

• Thank you so much for sharing!

• Money in Taiwan is very cheap, when the United States mortgages and PAL It has reached more than 7.5 per cent, and Taiwan is still below 3 per cent, but it can invest in high-responding funds like the United States.

• Low interest rates are favourable for exports and export, but cheap labour and national resources. Low interest rates, good capitalists, bad labor.

• In Taiwan, it is important to make good use of this tool, which has a low interest rate and a strong capitalist ship. The tools are well used, and they are as good as water, creating unlimited wealth.

James We've been walking all the way!

• The video message! Remember one of the experiences of 2022, and it's the only way to see the market. It is a challenge to the future market.

• Lauren Two minutes ago, I went back to the teacher's video in September 2023, double the teacher's voice! In order to enrich the population, teachers have suffered many undue pressures and frustrations during difficult times. Thank you for not changing your mind, but for passing on the book, or I'll be lost to the teacher! QQQ., Fortunately, only 5 per cent was sold, when the sound of the sound was heard. Thank you very much. James Teacher's paying!

• James We've been walking all the way down the road!

• I know that 2022 is the most difficult to invest, but if I don't take you through the flames, you will never be able to reach the highest level of investment.

• I am glad we made it through 2022. Now we know what the market's Flaming Mountain, Bull Demon King, and Princess Iron Fan feel like. These are the tests investors face in the market: the market can fall sharply, and market noise can make that fall feel even worse.

• The real investment is to follow the spirit of Buffet!

• When you pass the market's test and overcome these obstacles, you can again see mountains as mountains and water as water, and become a happy investor and wealthy capitalist.

Don't invest in money for two years!

• In the past two years, there has been no guarantee of money. And the chance of losing is quite high.

• The biggest loss in a year is 40%.

🌅📈🎊🎉🧧🌇

• Snowball rolls slowly.

• Time to build wealth.

• We're all rich.

• 🌅📈🎊🎉🧧🌇

If you sell it, you lose it!

• The bank's arrears were paid, and the bank was to be applied for immediately.

• Market volatility and interest rates are short-term realities. With a mix of funds and cash, the cash portion can earn interest.

• Long-term investment returns the total interest charge, and the business can be done.

• It's a disaster if the banks don't raise the money!

The risk of investing is the highest in the cash flow!

• As long as there's cash, alive, everything.

• And here's to focus: more cash flows to keep you at lower risk.

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

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!