00457 March 2, 2024 Rev 1.0

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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 3 2

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!

Blind investment without learning is dangerous

• Watch our videos and ask specific questions, including:

• The video number and the time when the problem occurred.

• Asking questions after watching the video is the most effective way to learn.

CLEC does not have a discussion group, we are not authorized to do anything

• We have no way of knowing the composition and membership of any group, and it is easy to be infiltrated.

The investments we recommend are mainly Nasdaq 100 Index Fund QQQ and local ETFs issued by various countries.

• Do not rely solely on the advice of financial consultants, including Charles Schwab financial consultant. They can help open it, but it is not recommended to fully adopt the ETF or other financial products they propose.

• Over the long term, the Nasdaq 100 Index Fund and the S&P 500 Index Fund are the best-performing investments. In addition, individual stocks, funds, and financial products are usually not conducive to investment success and should be avoided.

We recommend investing 100% in the Nasdaq 100 Index Fund

• In the United States: It is recommended to buy QQQ or QQQM if you have small capital. Now you can invest in money market SWVXX or short-term T-bill ETFs BIL and SGOV.

• Taiwanese investors: Recommend Fubon NASDAQ 00662, and now invest in CTBC U.S. Government 0-1 Year Bond ETF Fund 〈00864B.TW〉.

• Chinese investors: It is recommended to invest in 513100/513300/160213/159941/161130/159660.

• Hong Kong investors: You can choose HKD 3086, USD 9086, ETF 2834 (HKD)/9834 (USD).

• Canadian investors: It is recommended to switch to US dollars to buy QQQ directly, or invest in Canadian dollars QQC.TO/ETF HXQ.TO.

• Australian investors: Recommended to buy NDQ.

• British investors: It is recommended to invest in iShares VII Public Limited Company - iShares NASDAQ 100 UCITS ETF (CNDX.L), priced in U.S. dollars; in Europe, EQQQ and CSPX.L are recommended.

• Pakistan: the recently launched Nasdaq index fund is NASD11.

• Japanese investors can choose 2568/1545/2631.

• In Malaysia and Singapore, investors can use Phillip Securities POEMS Cash Plus to buy U.S. QQQ online.

• South Korea: The recommended QQQ ETFs are 368590.KS/133690.KS/367380.KS.

Starting from 2018, we have kept all videos on YouTube for everyone to learn about investing in chronological order.

• The content of the video reflects the market conditions and correct investment decisions at the time, but as time changes, some strategies may no longer be appropriate. These are valuable learning resources.

• Viewers should consider the content of the video in light of the market conditions at that time, and develop their thinking and judgment skills.

• Our early investment recommendations included certain individual stocks and general funds. Although they were good investment choices at the time, suitable investment targets also need to consider the individual's risk tolerance and investment strategy.

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.

We invest in 00662 QQQ fluctuations. We really need to have enough assets to be able to withstand relatively large fluctuations.

• Young investors and investors who are still some time away from retirement should try to invest in 00662 with long-term growth returns, and the Beta can be between 1.0 and 1.2. If you are approaching retirement or have already retired, you may have to transfer retirement assets from 00662 (QQQ) to dividends to obtain a stable cash flow when your assets are insufficient, so that you can retire safely despite insufficient assets.

• Retired investors are no longer actively striving for growth, because fluctuations in returns are a risk to investors. Unless your assets are 50 times the New Year expenses, you can pursue the asset allocation of growth investment 00662 (QQQ) more liberally.

• Our investment in 00662 QQQ fluctuates. You really need to have enough assets to be able to withstand relatively large fluctuations.

• Retirees who require annual expenditures of 4% to 5% of their assets need different investment targets.

• For example, there are retirees in Taiwan who have relatively few assets and cannot bear too much loss. I would suggest that the 0056 yield rate should be between 5% and 6% and reach 8% when good. The capital is relatively stable and does not grow much, but the relatively stable dividend is the main benefit. US investors may consider HDV.

• You can also consider some 00662, which are matched with ETFs regardless of the yield rate, and you can get 3% to 5% of the assets that can be spent annually. Obtain part of the asset appreciation.

Hi Teacher James

• Thank you for your teaching

• I 00662 went from losing money to making money

• Keep buying if you have money

• Recently, I also studied stock pledge after listening to my teacher’s advice.

• If you find this information, you can share it with your teacher

• I have found Tong Securities before

• They look at the total stock value of their inventory

• That is, you can check the pledge by totaling 00662+00646+00864B in the inventory

• Generally less than 2.5%

• If the total inventory exceeds 1000W, there is an interest rate of 2.05%

• However, if Taiwan cuts interest rates, the pledge interest will not change.

• But I think 2.05% should be enough

• Thank you very much for the teacher's teaching

• I am also very grateful to my teacher for accompanying me from low point to high point.

• The more I hold my stock, the more confident I become.

If QQQ (00662) falls to zero, your investment asset allocation will go bankrupt and you cannot invest because you don’t know risk control yet! You must keep cash when investing

• If you pledge to borrow money, QQQ (00662) (00670L) will fall to zero and you will be liquidated. There is a problem with the asset allocation and you should not pledge to borrow money.

• It doesn’t matter if you don’t understand why or what I’m talking about. If you have a long time before retirement, you will continue to have 00662 (QQQ). Then slowly watch the "Risk Control" videos on our channel playlist until you understand.

[Asset allocation for those who are still some time away from retirement rev2.0]

• Situations 1 to 7 mentioned previously in video number 00454 are suggestions for those who are about to retire and those who have already retired and want to receive retirement benefits from investments. If you are still young and have a few years to go until retirement, none of the conditions in movie number 00454 are very suitable for you. The situations 1 to 7 simulated in our video 00454 are for those who have retired or are about to retire! There are five situations in which there are still some time before retirement, you are still working, or you will not receive any benefits from assets regardless of whether you are retired or not:

• , Stay in emergency preparedness for half a year. All funds are invested in 00662 (QQQ) beta 1.0.

• No need to prepare emergency supplies! 80% invested in 00662 (QQQ), 10% invested in 00670L, 10% retained in 00864B; 00670L and 00864B are rebalanced on average every year! beta 1.0

• 3. Keep emergency preparedness for half a year. The remaining funds are more active, with 90% invested in 00662 (QQQ) and 10% invested in 2x leverage 00670L, which is balanced every year. Let's get beta 1.1.
• 4. No need to prepare emergency supplies! 70% invested in 00662 (QQQ), 20% invested in 00670L, 10% retained in 00864B; 00670L and 00864B are rebalanced on average every year! beta 1.1
• 5. You have retired. Retirement is enough. You will not receive funds from investment assets, so there is no need to prepare for emergencies! 80% invested in 00662 (QQQ), 10% invested in 00670L, 10% retained in 00864B; 00670L and 00864B are rebalanced on average every year! beta 1.0

[Who can do stock pledge and who can do leveraged fund? Understand the risks of stock pledge and leveraged fund. rev 1.0】

• • Understand the risks of pledging leveraged fund.
• • What can be used as a stock pledge: as long as you refuse to sell your assets, you will not be able to pay back the money even if you refuse, and your assets are large enough (There are investors with stock assets of more than NT$10 million in Taiwan. Investors with assets of NT$150,000 in general investment accounts in the United States. Retirement accounts in the United States cannot be pledged. U.S. leveraged funds cannot be pledged. Therefore, if you invest in leveraged funds, it is recommended to invest in a retirement account.) Only if you know how to combine leveraged funds with cash, and always keep cash far in excess of the pledged loan amount to avoid the risk of bankruptcy, can you do stock pledges.

• What can be invested in leveraged funds:

• • If you are still working and have a few years left before retirement, you can consider a little leveraged fund. You can match the leveraged fund with the cash position to achieve Beta 1.0, and use the cash position as an emergency reserve. The destiny cycle investment method is to let the beta slightly exceed 1.0 when you are young. When you don't have many assets, because you still have more than a few years before retirement, you can reduce the beta risk slightly and get better returns in the long term.
• • Those who pledge must prepare enough cash (and the cash must be far greater than the amount of pledged loan.) Cooperate with the leveraged fund to reach beta 1.0.

Only by having enough capital that the current market will not fall when the market falls, can you avoid the risk of being liquidated. An asset allocation that allows all stocks to return to zero for five to a year without any problems is a safe asset allocation.

• Non-leveraged fund with cash, so that the cash is far greater than the loan amount cannot be pledged

• What cannot be done as stock pledge:

• • Those who have not watched our video number 00004; 00452 and 00454; and do not understand what we are talking about cannot pledge.
• • Unleveraged fund funds are used to cash out, and if the cash is far greater than the borrowed amount, it cannot be pledged.
• • You cannot pledge if your cash is not far greater than the amount of your pledged loan, that is, you must always keep your cash far greater than the amount of your pledged loan, so that your cash will not fall when the market falls, so you will not be liquidated. If interest rates rise to the sky and stocks return to zero, an asset allocation that will be fine for five to a year is a safe asset allocation.
• • In order to avoid the liquidation of the assets pledged for borrowing due to market decline, you need to prepare quite large cash reserves. At this time, your beta will be far higher than 1.0, resulting in a low return on investment performance, so you will need to use a leveraged fund to make your beta return reach 1.0. Therefore, those who do not leverage the base and insist on retaining a large amount of cash cannot be used for pledge loans.

Pledge, leveraged fund, risk

• What not to invest in leveraged funds:

• *Those who have retired do not make pledges and need to receive retirement benefits from assets, so they cannot invest in leveraged funds. Because the market can fall very quickly, your retirement assets will be depleted very quickly if you draw funds from assets. Want 80% 00662(QQQ):20% now, and do retirement planning with rebalancing every year. Channel Video Number 00454 Situation Six Asset Allocation.

• • Because when the market falls very rapidly, the leveraged fund will shrink rapidly and the assets will quickly approach zero. If you do not have any pledged movable assets when the market falls, you will have to sell your assets, because your leveraged fund position will shrink close to zero. In the end, your assets will not be enough, and the assets will eventually return to zero.
• • Because when the market falls, the leveraged fund and asset shrinkage will drop very quickly. If you don't pledge the loan, you have to sell your assets, so that your assets will return to zero.
• • It's like saying that if you raise chickens and get chicken plague, and there are not many chickens left, you still have to kill the chickens to eat, and you will eventually eat up all your chickens.

• In 2020, I followed the teacher’s method and helped my family’s assets to integrate the total loss index. So far, the results are enough to retire, so she lives a very happy life, and I am also very happy because I don’t have to worry about care expenses. I am full of gratitude.

• Keep passing it to friends who can listen.

• This is such a wonderful thing. My parents’ fees for taking care of her are also his investment. It was only 1,000,000 20 years ago. Now it can take care of my current generation, so do it as early as possible to make asset accumulation easier.

CLEC Investment and Financial Management Education College 00451 "2024" Investment Lecture: Investment Lecture worth 100 million yuan December 29, 2023 CLEC Investment and Financial Management Channel https://youtu.be/4FMjmyBpTzw-OneLife

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

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