00436 October 7, 2023

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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!

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

We have a pinned comment on YouTube where you can download the handout and find related links.

The Market Keeps Rising Over Time

• Hello, teacher. Someone asked about 00864.B. I found information on Taiwan-domiciled funds: if they invest overseas, capital gains count as domestic securities transaction gains and are not taxed. Because 00662 does not distribute interest, that portion is not taxed. But interest or bond distributions are foreign income, so withdrawals from 00864.B may be subject to the 6.7 million overseas-income exemption threshold.

Don't take the rate into account.

• The change in short-term rates has no impact on long-term investment.

• Long-term investments do not take into account rates of exchange. Short-term capital cannot be invested.

• 00662 needs 10 years or more. 00864. B It's for two years or more.

It's short-term, it's short-lived, it's hard to understand a lot of people.

• The financial instruments of long-term investment are completely incomprehensible to many. A large part of the population is still piling up! It takes time to digest.

• Instead, it's short-term, killing, and it's understandable intuitively.

Because long-term investing is too simple, many people still prefer short-term trading even when they do not understand it.

• You know you don't know it. It's the beginning of knowing that you don't.

How many times have we said, "The U.S. Tax Office, the Fund, not the regular account, the Fund can't do it? Pledge 」

• You can't use it. leverage, Investment 00662, emergency reserve component directly purchased 00864 b It is also feasible. This part is right.

• How many times have we said, "The U.S. Tax Office, the Fund, not the regular account, the Fund can't do it? Pledge 」

• "The video refers to the presence of parts. QLD, I understand it as follows: not to improve performance, but to allow It is true that some people have more peace of mind in the field of cash."

• “We can even put cash in short-term national debt (0-3 months). It's all right. b The arbitrage is not a real purpose (a subsidiary advantage). The main purpose is to increase risk resistance by retaining more cash.

• "In retirement accounts, QLD With cash. More cash, short-term national debt, interest, and the rest. pledge Interest component hedge, That's right.

• Taiwan Friend 00864 B It's more resilient, and when the market falls, it can be pledged back to the bank to maintain its maintenance rate, or it can be financially proven when the mortgage is renewed.

Financial instruments are used properly, risks are controlled and risks are reduced

You can't release 20% of the mortgage, but if the market falls, you're going to make up the mortgage.

• Taiwan's investment friends, mortgages, can borrow up to 20 per cent of the capital (US mortgages cannot be reinvested in the stock market) of the capital.

• The 20 per cent reinvested portion of the mortgage may not be re-committed if the market drops and the portion is to be replenished.

• Taiwan's investment friends, more than 20% of the mortgage can only be held at US Monetary Market Fund 00864. B (Equivalent in cash).

• But I borrowed the money market fund 00864. B No further pledge. If the market crashes to sell, pay back the maintenance rate. In addition to the fact that the government has not been able to take the money, it has not been possible to increase the value of the money.

Young people with low capital and low income, not investment, but income.

• Young people with little income and little savings. If you don't even have to play with the interest, it's fine. The rest of it. QQQ

• Young people with modest assets and low incomes are not focused on investing, but on increasing income.

• I think we should find a way to raise our income. UBER Or as a sideline, or as an improvement.

• If the car's too old, you can borrow money for a new car. UBER Increased income. We'll have enough for months. Model 3 Basic car start-up money ($4,500) to buy a car free to drive. UBER Now, Tesla. Model It's cheap. UBER A few thousand dollars more per month.

• Buy a car to drive. Uber Investing, not spending.

It's about going through a few market cycles and knowing you don't know anything.

• It's not about predicting the market, but about giving up the operation.

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!