00452 January 6, 2024

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The market will only rise in the long run. Clubhouse chats about investing easily

CLEC Investment and Financial Management Channel 2024 1 6

Investment requires meditation

• Market fluctuations have nothing to do with me!

• The international situation has nothing to do with me!

• Market analysis has nothing to do with me!

• Financial statements have nothing to do with me!

• The economic situation has nothing to do with me! Ann

• None of this has anything to do with me!

• Ignore the ups and downs of the market!

We don’t have a group, we at CLEC are not authorized to do anything

• There is no way to know the members of the group. Easy to get mixed up.

Scholars’ minds

• The investment recommended by our channel is the Nasdaq 100 Index Fund QQQ and the local ETF issued by this base in each country.

• Do not listen to any financial products recommended by any financial consultant, including the Charles Schwab financial consultant I introduced. They will help you open it, but do not fully accept the Charles Schwab ETF and any financial products they recommend.

• Over the long term, the Nasdaq 100 index fund and the S&P 500 index fund are the best-performing investments. In addition to the above two index funds, other individual stocks, funds, and financial products should be avoided. They are obstacles to successful investing.

Now CTBC U.S. Government 0-1 Year Bond ETF Fund 〈00864B.TW〉

• We would only recommend 100% investment in the world's best US Nasdaq 100 index fund

• Buy QQQ in the United States; those with small funds can buy QQQM and invest in money market SWVXX now or invest in short-term T-bill ETFs: BIL, SGOV,

• For investors in Taiwan, we only recommend Fubon NASDAQ 00662, which is great. You can also buy securities dealers with regular fixed quotas of 00662.

Current CTBC U.S. Government 0-1 Year Bond ETF Fund 〈00864B.TW〉

• Investing in China 513100/513300/160213/159941/161130/159660

• In Hong Kong: HKD 3086; USD 9086; ETF 2834 (HKD)/9834 (USD)

• In Canada, it is still recommended to exchange U.S. dollars to directly buy QQQ or invest in Canadian dollars QQC.TO/ETF HXQ.TO

• Friends in Australia recommend buying NDQ locally;

• Friends in the UK recommend investing in iShares VII Public Limited Company - iShares NASDAQ 100 UCITS ETF (CNDX.L) priced in the US; friends in Europe can buy EQQQ * CSPX.L (I share the performance closest to SPY) (it is recommended to invest in this)

• In Pakistan, the recently launched Nasdaq index fund is NASD11.

• In Japan, you can buy 2568/1545/2631

• In Malaysia and Singapore, investors can open a Phillip Securities POEMS Cash Plus trading account online or at a branch, and buy U.S. QQQ directly on the platform.

• In Korea QQQ ETF is 368590.KS) (133690.KS) (367380.KS)

All our videos from 2018 to before are kept on YouTube

• The video is here, so you can follow the sequence and learn about investing. Some of them were correct at the time, but not suitable now. These are all learning materials.

• Everyone should think about the content of the film based on the market conditions at that time. These are all materials for learning investment. Viewers should have my thinking and judgment skills!

• We started investing in 2018 and recommended some stocks and stocks, which were very good investment targets at the time. However, good targets may not always be good investments. This also depends on your risk tolerance and investment value.

Investors are always extremely optimistic!

Investors always welcome the sunshine!

The market will eventually rise!

Investment requires patience!

Wealth is worth waiting for!

Subscribe, stay, press 👍, forward and share Apple Podcasts. Remember to give five stars ⭐Subscribe to receive real-time market news

The market will always continue to rise, it will only rise and never fall.

• Zhong Mingfu

• Thanks to my teacher James for clarifying my doubts! From the accumulation period, if you have money, you will buy it and not sell it. When you retire, you will sell as much as you need. Upgrade to 33 times the assets and borrow 3% to live. Then evolve the leveraged ETF combination and now control the beta at 1.0. The final reserve is >>= stock pledge loan liability + emergency reserve. Use the strongest shield to defend against extreme risks that have never appeared. This understanding has three advantages: 1. Profit from asset appreciation >= market (effective market). 2. Assets can continue to exist in the market forever (avoiding dead cards and bankruptcy) 3. Prosperity for generations (enriching the spiritual energy needed to live a full life). If there is anything wrong, please ask teacher James for advice and correction^_^

We are here to ensure that if the market falls, you will be able to survive or prevent your account from being liquidated.

• Cash therefore needs to be movable at any time, such as in a brokerage account or Roth IRA. Cash in a traditional IRA cannot be withdrawn immediately; if you are under age 59 1/2, withdrawals may trigger taxes and penalties.

• Taiwanese investors can pair cash with 00670L to bring beta to 1.0.

• So the cash we refer to should be at least debt plus emergency reserves. Debt does not have to be repaid immediately.

• Pairing cash in a traditional IRA with leveraged funds in a Roth account is mainly to prevent the traditional IRA assets from growing too quickly.

• These two uses of cash are different.

Borrowing and holding cash do not conflict, because cash is what lets QLD or TQQQ be managed toward Beta 1.0.

• (The leveraged fund is best in the retirement account.) For example:

• Person A has no cash and only US$1 million of QQQ.

• Person B has 50,000 in QQQ, 50,000 in QLD, and 50,000 in cash.

• Because Person B has cash, their risk tolerance is relatively better. Without cash, there is almost no risk tolerance.

Why does what the teacher said today sound so different from usual? It feels full of pessimism, and I do not understand.

• Does this video make you feel this way?

• I am more optimistic! Because we know "recognize risks", "understand risks" and "control risks"!

• This allows us to reduce risks, make investments safer, and be more courageous to borrow and invest.

• The courage that comes from ignorance is different from courage after understanding risk.

QQQ is almost at a new all-time high, while TQQQ is still far from its high. Thank you, teacher.

• Hello, teacher. I still do not understand why a Roth can hold TQQQ. Are you not worried about volatility decay?

QQQ is almost at a new all-time high, while TQQQ is still far from its high. Thank you, teacher.

• If you don’t have a leveraged fund, that’s fine. If you leave a cash position, your beta will be lower than 1.0. As long as you know it's a return you can accept.

• There is no free lunch. If you want Beta 1.0 while also keeping a comparative cash position, there must be a cost; the volatility decay of the leveraged fund is that cost.

• Leveraged funds in a Roth account also need to be gradually shifted into cash when they rise, so the cash position grows, risk tolerance improves, and Beta 1.0 can still be maintained.

• When your cash is far greater than your debt plus emergency reserves, you can rebalance moderately during a bubble-driven market decline. For example, after a year of decline, you may reduce one year of emergency reserves and move from ten years of reserves to nine; after the market rises for a year, add one year back until the reserve target is restored.

[Know the risks, understand the risks, and control the risks. If you have money, buy the Nasdaq 100 index fund immediately. Treat the Nasdaq 100 index fund as a fixed asset and never sell it. If you don’t sell it, there will be no capital gains and no taxes. When you have enough capital, you can borrow against stock pledges. If you don’t have to repay the borrowed money, you will never have to pay it back. 】

Sean Lee

• Sean Lee

• Once you're 65, your HSA is treated like a traditional IRA if you withdraw money for non-medical expenses.

• So it's like a traditional IRA with no special benefits. We all want traditional IRAs to be as low as possible. Unless the income earner cannot deduct taxes from a traditional IRA. But if the company has a traditional 401K this HSA feature doesn't work either because we don't want to be traditional to age 65 too.

• Once you reach age 65, money held in an HSA can be withdrawn and usedfor any reason, the only catch being that you'll pay ordinary income taxeson withdrawals not used for quali ed medical expenses. This means thatyour HSA can essentially function similarly to 401(k) plans or IRAs.

high fi big high

Know risks, understand risks, and control risks!

• Each requires:

• Know risks, understand risks, and control risks!

• Lending and financing operations, all companies and wealthy people will borrow money well and do the best financial management.

• Generally, they are completely ignorant of stock investment, and do not know that operation is the most risky and the main reason for bankruptcy.

• Risk comes from ignorance. Your medicine may be some other poison.

-To avoid risks is to! Know risks, understand risks, and control risks!

• Ignorance, not knowing is the most dangerous thing.

Oneself, oneself, oneself, oneself, oneself, everyone, everyone can use it greatly

Investment should be made after thinking and fully understanding it. It’s not about saying goodbye, it’s about asking someone to tell you how to do it.

• Listening to someone tell you what to do without thinking about it is very dangerous.

oneself oneself oneself oneself oneself oneself oneself oneself oneself oneself oneself oneself oneself oneself oneself oneself

Investing in stocks is better than real estate

• Some houses are stable and will not be affected by the ups and downs of the market (especially if a woman has to raise a child, she must have a stable home and a stable nest. This is the nature of natural species.).

• Investing in stocks is all about being able to withstand the ups and downs of the short-term market and be able to see the wealth of long-term asset returns.

One's own son gives birth to one's heart, one's heart gives birth to one's own self.

CLEC Investment and Financial Management Education College Watch on YouTube [00398] 2023 100 million yuan investment lecture 2023 1 27 CLEC Investment and Financial Management Education College https://youtu.be/QkBTUQVA0IE

day month

We have a pinned comment in the YouTube comment area where you can download handouts and other related link information.

• Or write me an email

• [email protected]

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It’s wonderful and happy that the market is rising every day🍂🌷🌹🌸🌼🌺🌻 🌞💫✨🌟🌈🌈❤