CLEC Investment & Wealth Database00447 December 9, 2023
00447 December 9, 2023
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The Market Only Rises Over the Long Term: Casual Investment Talk on Clubhouse
CLEC Investment Channel 12, 9 in 2023.
Invest with calm conviction.
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Market volatility has nothing to do with me!
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International affairs have nothing to do with me!
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Market analysis has nothing to do with me!
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Economic conditions have nothing to do with me!
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Ignore market noise and volatility!
Disclaimer
Our videos and all related content are non-profit, and we do not run any groups.
We'll teach you a few things, full duty, never make money. Do not believe in any fee-based investment advice.
But ours. YouTube It's been a while. YouTube It's not like we can control it, even though we're being advertised. Still no business model and no money. I hope we don't miss the ad.
Videos and all content and responses are investment education, and all information is shared as experience, only for reference and not for investment advice from 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.
Investment risks are very high and could be very damaging.
If you can't afford to lose more than 10% of your short-term repairs in a few years, you will lose more than 20% in a few years. When bubbles come down 70%, it's possible, watch out for currents.
Investment must be careful, and investors need to know about investment before they can invest. It's not until we get a complete understanding of our investment philosophy that we start investing in.
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.
I'll tell you what I'm talking about.
Too many people who don't watch movies or learn to trade in the market are actually dangerous.
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If you're just asking questions, you just want the answers you asked, and you don't look at them, the answer is to go back to the movies.
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It is suggested that after all the videos in 2023 are finished, you have a question for me as to which part of the video number is wrong, starting with the second few minutes at the time. If you've seen the video and you've had questions about its content, I'll answer you very carefully.
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Watch our video, learn, you can invest.
We do not run any groups, and CLEC has not authorized anyone to act on our behalf.
- It is not possible to know the members of the group and what they are. It's easy to get mixed up.
Everyone's got it.
00447 December 9th, 2023.
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The investment our channel recommends is the Nasdaq 100 index fund, QQQ, or the corresponding local ETF in each country.
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Don't listen to any of the financial experts' suggestions, including what I've introduced. Charles Schwab financial consultant, They drive for you, but don't listen to their advice. Charles Schwab ETF And any property.
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The best long-term investments in the world are Nasdaq 100 and S&P 500 index funds. Apart from these two index funds, avoid individual stocks, other funds, and other assets that can pull you away from investing.
It's in Cana or it's recommended to buy it directly. QQQ Or a coin investment. QQC.TO/ETF ( HXQ.TO )
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We only recommend investing 100% in the world's strongest Nasdaq 100 index fund. Below are Nasdaq 100 index funds available in several countries:
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In the United States: QQQ; smaller accounts can buy QQQM. For cash-like positions, use money market fund SWVXX or short-term Treasury bill ETFs such as BIL and SGOV.
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For investors in Taiwan, we recommend Fubon NASDAQ 00662. For short-term U.S. Treasury exposure, 00864B.TW can be used.
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Investment in China
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In Hong Kong: HKD 3086; USD 9086; ETF 2834 (US$)/9834 (US$)
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It's in Cana or it's recommended to buy it directly. QQQ Or a coin investment. QQC.TO/ETF ( HXQ.TO )
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Friends in Australia suggested local buying. NDQ;
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Friends in the U.K. may consider iShares VII Public Limited Company - iShares NASDAQ 100 UCITS ETF (CNDX.L, USD-priced). Friends in Europe can buy EQQQ. CSPX.L is the iShares option closest to SPY.
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A recent Nasdaq index option in Brazil is NASD11.
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We could have bought 2568. Hedged )
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You can also open an account with Singapore's POEMS online platform, use POEMS Cash Plus for cash management, and buy U.S.-listed QQQ directly online.
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In Korea. QQQ ETF It's 368590. KS ) (133690. KS ) (367380. KS )
We Have Kept All of Our Videos on YouTube Since 2018
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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.
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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.
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We started investing in 2018 and suggested that some of our shares were good, but the good ones were good investments, and that's what your risk tolerance is about.
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."
The first day of the month, the first day of the moon.
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
Hi James Hello, teacher!
- I'm in Gashin. PAL I borrowed $240. K, For the last two years. IRA Turn! ROTH IRA Taxes, now. PAL The interest rate is 8.22%, and it's too much to pay back part. I'm.. IRA There's $1 in there. M ( QQQ ) but ROTH IRA It's only $650. K ( QQQ Excuse me. IRA Pay up, or by.. ROTH IRA Bring it back?
Gold.
###:: Non-payment: it is recommended that you not pay back PAL It's a loan that makes enough money to offset interest on the loan.
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Don't pay back.
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Here is my suggested resource allocation:
-:: Non-payment: it is recommended that you not pay back PAL It's about making enough money to offset interest on borrowing.
- ROTH IRA investment: in your ROTH IRA, I suggest investing $400,000 in QLD (2x Nasdaq 100) and $250,000 in QQQ (Nasdaq 100).
-:: Traditional IRA Investment: In your tradition IRA, it is recommended that you invest $400,000 on the currency market base at an expected annual interest rate of 5%, offset by PAL The annual interest expense. The rest can be invested. QQQ.
Investment required = ( PAL Loan amount x PAL Rate of interest) / Base market interest rate
-:: Asset allocation and interest offset calculations: you are advised to use the following formula to calculate the investment required QLD And the value of the currency market base to make sure that the return on investment is covered. PAL Interest on borrowing.
Investment required = ( PAL Loan amount x PAL Rate of interest) / Base market interest rate
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- For example, $240,000 PAL Borrowing, calculated investment of $394,560, explains why you're advised to invest $400,000. QLD And the currency market base.
That's something that'll slow down. traditional IRA The accounts grew too fast.
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A more aggressive investment strategy: if you want to be more active, you can consider investing all future ROTH IRA contributions ($650,000) in QLD, putting $650,000 in the Traditional IRA into the money market, and investing the remaining $350,000 in QQQ. This can cover interest and may create more investment income.
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That's something that'll slow down. traditional IRA It's a big deal.
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Taiwan's investment friends are also 00670. l and 00864 b The mix allows your stock to be completely lost.
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These strategies will be stored in my knowledge base as a reference to similar problems in the future. Please note that these suggestions need to be adapted to your financial situation and risks, and to be discussed in detail with the financial consultant before implementation.
It's the branch's money.
Prior to borrowing
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The best thing about borrowing is it can never be repaid.
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I'm borrowing your mortgage. With enough production and never paying back, stock collateral borrowing is the best route to borrowing. However, in the United States, stock-carrying could not be reinvested in the stock market, which was a restrictive borrowing. Taiwan stock mortgages are open-ended and can be reinvested in the stock market. Stock mortgages cannot exceed 20 per cent of your mortgage, and if they exceed 20 per cent, there is a great risk of bankruptcy.
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If you don't have stock, you don't have stock. Equivalent mortgages, mortgages, repayments of each loan from real estate mortgages, paid out of your salary or steady currents, cannot depend on volatile stock prices and dividends. When there is enough stock, it should be converted into a stock loan. Each person who borrows from a stock loan to pay off your property's clean-value loan and to pay off their expenses.
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iii. If young people do not have a home and have little stock, they have to credit. Each credit is paid back with interest, investment is not very efficient, and if the market is good, it's a little profitable, but if the market isn't good, credit investment is actually risky. It's only possible to invest in advance, if you can stay unsold, if you can be stable, and if you can make long-term investments on credit.
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No matter what kind of loan you make, as long as you have to pay back, you can't go up on the stock market. I'll pay for it. The short-term stock market is unpredictable, and the dividends are unstable, so any loan. If each of them needs a loan, then it needs to be enough for the rest of it to be affordable or for a stable income to be affordable.
A month's salary for a month's high use of raw energy.
Investment is a belief. If we can keep watching our videos, it's the long-term commitment to investment philosophy that makes us rich.
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It takes 20 years to really understand the philosophy of investing.
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It's hard to see the philosophy of investment of an investor who has not lived for more than 20 years.
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Even if the investment is over 20 years old, there may not be a successful investment philosophy, so be careful not to be blind.
A man with a heart.
00447 December 9th, 2023.
Watch CLEC Investment and Financial Education Academy on YouTube: https://youtu.be/QkBTUQVA0IE
The market rises over time; that is beautiful and encouraging.
We have a pinned comment on YouTube where you can download the handout and find related links.
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Or email me: