00458 March 9, 2024 2

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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 20

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!

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

Different Capital Levels Require Different Retirement Asset Allocations

• Retirement preparation net assets are 50 times the annual expenditure: you can use the asset allocation in our video 00454 and rely on the Nasdaq 100 Index Fund QQQ (00662)/QLD (00670L)/Money Market (00864B) for retirement asset allocation investment planning. 2% of equity available per annum.It seeks higher long-term capital appreciation.

• Retirement preparation net asset annual expenses of 33 times: You can use the asset allocation in our video 00454, but change the investment target to the S&P 500 index fund SPY(00646)/SSO(00631L)/Money Market(00864B) for retirement asset allocation investment planning. 3% of equity available per annum.It seeks ordinary long-term capital appreciation.

• Retirement preparation net asset expenditure 25 times for the whole year: For asset allocation with stable current flow of dividends, rely on SPHD, HDV, 0056 for retirement asset allocation investment planning.The fixed dividend is around 4% per year, providing cash flow for living expenses.

• Retirement preparation net assets are less than 25 times annual expenses: there is no condition for retirement, and you should continue to work or reduce consumption.

It is difficult to find long-term stable cash flow above 5%.

YouTubeLohas

• Thank you, Mr. James, for your hard work in the past. I cherish it very much. It can be said that your lectures by my mentor extend from the happiness brought by wealth to the happiness deep in the soul to the happiness of altruism. I really feel more and more deeply. Especially when I was traveling in Shanghai, I felt that living in Shanghai was too hard. It took 20 minutes and 30 minutes to get us to the hotel. It took 50 minutes of hard work. We only had to spend 4 US dollars to enjoy it. Of course, in comparison, I am happy. I am lucky because the belief in ETF has been integrated into my life. Thank you again, James. Life will be better in 2024.

• Thank you for your sentiments. It is indeed moral to spend money. When you can feel the hard work, we should know how to spend money to serve him. Pay more!

• We hope that Didi drivers can be as rich as us. If all walks of life can accept our wealth-making investment and everyone can become rich, we will succeed.Promote our investment philosophy so they can also become wealthy.

• The awakening of capitalism is a whole movement, not a class division. We do not want capitalism to create classes. The classes created by capitalism now are the evil of capitalism, and we must eliminate them.

Retirees Must Be Especially Careful With Pledged Borrowing; Doing It Without Understanding It Can Lead to Bankruptcy

-Thank you teacher for your reply. If I invest 100% in QQQ and set aside a 3-year emergency reserve, can I ask if the emergency reserve is reserved for special circumstances? For example, if the stock market falls and the pledge amount may exceed 20%, I can pledge it profitably and there is no need to activate the emergency reserve. Could you please correct me? Is my idea wrong?

• Retirees must be especially careful with pledged borrowing. Doing it without understanding it can lead to bankruptcy.

• You have a pledge, which means you can borrow money at any time to obtain funds for emergency funding needs. There is no need to keep emergency reserves, and all funds can be invested.

• But the cash position is far greater than the pledged loaned funds.

• Don't want to keep the current money and play the bottom line. If you don't invest in the current money that should be invested, it will be rubbish.

• If you don’t retain the cash that should be retained, you will be prepared to go bankrupt.Study our risk management playlist carefully.

Don’t buy when it goes up or when it goes down. Two years later, many people still say: “Teacher, I still have a lot of money, what should I do now?” 』

• The advice I give is to buy immediately. If you can't do it, buy as soon as possible. I know it is not easy to buy immediately, so you have to buy as soon as possible.

• Don’t buy when it goes up or when it goes down. Two years later, many people still say, “Teacher, I still have a lot, what should I do now?” 』

• I have been teaching investment for 20 years, and I still have a lot of investment cash left. This is common, but procrastination is the biggest mistake in investing.

Illuminate more and let more people know that happiness is right and wealth is talent; teacher’s love and gratitude

• Thanks to the teacher for his guidance; I often listen to the teacher's videos and learn to observe and think more. I just suddenly thought about why I came into contact with the teacher's course and believed in the teacher's investment belief; some people who can't make money are probably emphasizing my greatness, forming a hindrance or failure, and I end up struggling to pursue wealth; the teacher is the light of wealth! Teach us to live happily, easily and richly; I hope the light of the teacher can be

• Wandering up and down; I heard another Buddhist teacher say that "the formation paths of matter in the universe are all formed through the most obstructed path." Just like when the sun rises, it will shine on the earth, and it will not shine only on others. Unless you hide in a dark room, there are no windows or iron, steel and mud cover, so the sunlight cannot penetrate, because this obstacle is too great; on our investment part

• Illuminate more and let more people know that happiness is right and wealth is talent; teacher’s love and gratitude

• Thank you for sharing. The sunshine is always there, but darkness always exists in the world.

• The sunshine is always there. Whether you accept the light or not is your decision.The path to wealth is always there; whether you take it is your decision.

• Is it fate that you can really understand something if you listen to it, but you can’t understand it if you have someone else? I think it's a trapped beast!

Self black fight one no one life adult self one person and one by one and flood self life human skin person one person big line force one door small one person big car and car words person one person black force life one person small person oneself gate oneself small oneself

I did some statistics and found that if you have questions about spending 2% to 3%, it should be divided into two categories.

• 【When wealth is abundant, use it with generosity.】

• Some people think that if you only spend 2% to 3% of your assets every year, you will never be able to spend them all. In addition, some people think that they may not spend enough and the market will fall, which may be risky. If you look at the same thing differently, you will see different results.

• I did some statistics and found that those who have questions about spending 2% to 3% should be divided into two categories:

• Wealth, when the assets exceed hundreds of millions, you will find that 3% is too little, and even your generation will not be able to spend it all.

• The alternative is ordinary, 3% of the capital is just enough to survive retirement. Those who risk running out of money or falling in the market are usually those with less money.

There is no conflict between spending money as much as you can and limiting spending to 3%.

• Assuming you have tens of millions of Taiwan dollars (assuming one million US dollars if you live in the United States), you can really only spend NT$30,000 per year (those who live in the United States can only spend NT$30,000). If you spend more than that, you will be at risk.

• When your tens of millions turns into fifty million (five million if you live in the United States), you may spend less than NT$1,500,000 per year (you may not need to spend US$150,000 if you live in the US), but you can spend one million NT$ (if you live in the United States, you should be able to spend US$10,000).

• Here’s the key point, when you have NT$100 million (more than NT$20 million for those living in the United States), if you don’t spend less than NT$30 million per year (less than NT$60,000 for those living in the United States), you don’t want to spend only tens of millions of NT$ per year (those who live in the United States don’t spend only NT$30,000). You should start spending as much as you can. At this time, spending money is moral.

• When there is so much money that you can’t spend it all, and a market drop is not a risk. At this time, you have to start spending money appropriately. At this time, spending money is not only moral but also in compliance with God's will.

• We must plan to spend our wealth to the point where it is enough to be in debt in heaven.

Wealth Is a Concept Across Unlimited Time and Space

• Pandu made the wealth. it is a pity!

Little oneself and one person

00458 March 9, 2024 Briefing Material 2

• 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 reserve is >>= stock pledge loan liability + three-year 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^_^

With enough capital and sound risk control, life can be more secure.

Shurou Chen

• Those who have experienced the bubble in 2000, the crash in 2008 (due to the collapse of Lehman Brothers), and the subsequent crash in 2016 to the recent COVID-19, who have been in and out for more than 20 years, are exhausted, want to save the situation, but still lose money, they "deeply appreciate" the teacher's "recommendations" and "reinforcement". They fully understand the "risk" of investment, which is the best "insurance"! Thank you teacher!

• @shurouchen9946 Thank you for sharing. It is really a long statement. We only need to understand and understand the known risks to prevent and control them. The most dangerous thing is that ordinary investors are completely unaware of the existence of risks. Ignorance is the biggest risk.

My lord, my lord, my words, my words, my strength, my heart and my mind

00458 March 9, 2024 Briefing Material 2

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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