00464 April 20, 2024

Number: 00464

Published: 2024-04-20

Pages: 24

Source filename: 00464 2024年4月20日簡報資料 .pdf

Original file: Open file

Previous presentation: 00463 April 13, 2024
Next presentation: 00465 May 4, 2024

Document Text

The market will only rise in the long run

Clubhouse easily chats about investing in CLEC Investment and Financial Management Channel April 20, 2024

Market fluctuations have nothing to do with me!

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! peace of mind
None of this has anything to do with me!
Ignore the ups and downs of the market!

Disclaimer

Our videos and related content are for educational purposes only and not for profit. We do not have any discussion groups or societies, if someone invites you to join, please be careful of scammers.

We have been committed to voluntary teaching for nearly two decades and have never profited from it. Do not trust any paid investment advice. Although ads may appear on YouTube videos, these are beyond our control and we do not make any money from them.

All the information we provide is only personal experience sharing and is not the advice of a professional investment advisor (Certified Financial Advisor/Planner). Investment decisions should be based on personal research and should not rely solely on video content.

Investment risks are high and may result in significant losses. If you cannot afford a loss of more than 10% in the short term or a decline of more than 20% in a few years, it is recommended not to invest. Please pay attention to the safety of your own cash flow and fully understand our investment philosophy before acting. Investments need to be prudent and all decisions must be made at your own responsibility.

There is my pinned message in the YouTube message area, which provides handout downloads and related link information.

New friends please watch the following videos on our channel first

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 do not authorize anyone to do anything

We have no way of knowing the composition and purpose of any group, and it is easy for people to infiltrate it.

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 assist in opening an account, but it is not recommended to fully adopt the ETFs 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. Other than this, individual stocks, funds, and financial products are usually not conducive to investment success and should be avoided.

In the United States: It is recommended to buy QQQ or QQQM if you have small funds. If you have cash, you can invest in money market SWVXX or short-term T-bill ETFs BIL and SGOV.
Taiwanese investors: recommend Fubon NASDAQ 00662, and invest cash in China Trust US 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 exchange U.S. 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 US dollars; in Europe, EQQQ and CSPX.L are recommended.
Brazil: The recently launched Nasdaq index fund is NASD11.
Japanese investors: You can choose 2568/1545/2631.
Citizens of Malaysia and Singapore: You can purchase US QQQ through Phillip Securities POEMS Cash Plus trading account.
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 applicable. 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 own thinking and judgment abilities.
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 personal risk tolerance and investment strategies.

Investors are always extremely optimistic!

Investors always welcome the sunshine!

The market will eventually rise!

Investment requires patience!

Wealth is worth waiting for!

Subscribe, leave a message, click, forward and share Apple Podcasts. Remember to subscribe with five stars to receive real-time market news.

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

Next Saturday, April 27, 2024, clubhouse and the video will be suspended once

Must have long-term stable cash flow

The highest guiding principle for asset allocation, no matter in any extreme situation (1. No interest on bonds and fixed deposits. 2. Borrowing interest rises to the sky, and stock prices fall to zero. 3. The market is closed.):
Must have long-term stable cash flow.
Have emergency funds readily available.
Assets must be able to continue to increase in value and resist inflation.

September 3, 2024 CLEC Investment and Financial Management Channel]

[00233 Short story on asset allocation for a safe and sound retirement!

September 3, 2024 CLEC Investment and Financial Management Channel]

https://docs.google.com/file/d/1GnCHxI8n8aBaOE1FYisb2GxBg_QpYxFF/edit?usp=docslist_api&filetype=msword

00234 Short story: Is the ability to invest and manage money a natural instinct from Heavenly Father or a learned thing! Investing in bonds to obtain cash flow asset allocation is very dangerous! September 4, 2024 CLEC Investment and Financial Management Channel.docx

https://docs.google.com/file/d/1zDarf3N5qatxvIEeJc6CWrIIaSOMy-5X/edit?usp=docslist_api&filetype=msword

Young people now in their 30s should not invest in high dividends

Usually high dividends and low growth, long-term returns are very poor, and are not enough to prepare for retirement.
I still strongly recommend investing in 00662 (QQQ in the United States). If you want stability, at least invest in 00646 (SPY in the United States)
If you want to be more conservative, you can also buy Taiwan’s 0050.
But you just can’t invest in high-dividend ETFs, and don’t buy high-dividend funds. High dividends won’t help you retire;
Remember high dividends are low returns.
Search for Zhou Guannan on YouTube!
[High dividend ETFs are not suitable for retail investors. Monthly allocations only satisfy psychological feelings. Expert: Believe in numbers rather than stories]
Source: Xin Media (https://www.cmmedia.com.tw/home/articles/46355)
https://www.cmmedia.com.tw/home/articles/46355
In its latest fiscal budget proposal, the Biden administration proposes to increase the top personal income tax rate and impose a minimum 25% tax rate on those with a net worth of more than $100 million. The changes, targeted primarily at the wealthiest U.S. taxpayers, are intended to fund policies such as the child tax credit, the earned-income tax credit and the insurance premium tax credit. In addition, the proposal also includes banning Roth IRA conversions for tax preparers in high-income tax brackets and eliminating backdoor Roth IRA contributions. The proposals are unlikely to become law in the current divided Congress, but could become a topic of debate in the 2024 presidential election. More information can be found in original text.

SGOV state tax exempt ratio and IRS Form 1099-DIV Explained

https://docs.google.com/file/d/178RTiKbEccCq3aZbYCkU25dG2K31OFdA/edit?usp=docslist_api&filetype=msword

Next Saturday, April 27, 2024, clubhouse and the video will be suspended once

CLEC Investment and Financial Management Education College 00451 "2024" The First Investment Class: An Investment Life Lecture Worth 100 Million Yuan December 29, 2023 CLEC Investment and Financial Management Channel https://youtu.be/4FMjmyBpTzw

It’s wonderful and happy when the market rises every day

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

Or write me an email
[email protected]
[email protected]

Number: 00464

Published: 2024-04-20

Pages: 24

Source filename: 00464 2024年4月20日簡報資料 .pdf

Original file: Open file

Previous presentation: 00463 April 13, 2024
Next presentation: 00465 May 4, 2024

Document Text

The market will only rise in the long run

Clubhouse easily chats about investing in CLEC Investment and Financial Management Channel April 20, 2024

Market fluctuations have nothing to do with me!

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! peace of mind
None of this has anything to do with me!
Ignore the ups and downs of the market!

Disclaimer

Our videos and related content are for educational purposes only and not for profit. We do not have any discussion groups or societies, if someone invites you to join, please be careful of scammers.

There is my pinned message in the YouTube message area, which provides handout downloads and related link information.

New friends please watch the following videos on our channel first

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 do not authorize anyone to do anything

We have no way of knowing the composition and purpose of any group, and it is easy for people to infiltrate it.

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 assist in opening an account, but it is not recommended to fully adopt the ETFs 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. Other than this, individual stocks, funds, and financial products are usually not conducive to investment success and should be avoided.

In the United States: It is recommended to buy QQQ or QQQM if you have small funds. If you have cash, you can invest in money market SWVXX or short-term T-bill ETFs BIL and SGOV.
Taiwanese investors: recommend Fubon NASDAQ 00662, and invest cash in China Trust US 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 exchange U.S. 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 US dollars; in Europe, EQQQ and CSPX.L are recommended.
Brazil: The recently launched Nasdaq index fund is NASD11.
Japanese investors: You can choose 2568/1545/2631.
Citizens of Malaysia and Singapore: You can purchase US QQQ through Phillip Securities POEMS Cash Plus trading account.
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 applicable. 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 own thinking and judgment abilities.
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 personal risk tolerance and investment strategies.

Investors are always extremely optimistic!

Investors always welcome the sunshine!

The market will eventually rise!

Investment requires patience!

Wealth is worth waiting for!

Subscribe, leave a message, click, forward and share Apple Podcasts. Remember to subscribe with five stars to receive real-time market news.

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

Next Saturday, April 27, 2024, clubhouse and the video will be suspended once

Must have long-term stable cash flow

The highest guiding principle for asset allocation, no matter in any extreme situation (1. No interest on bonds and fixed deposits. 2. Borrowing interest rises to the sky, and stock prices fall to zero. 3. The market is closed.):
Must have long-term stable cash flow.
Have emergency funds readily available.
Assets must be able to continue to increase in value and resist inflation.

September 3, 2024 CLEC Investment and Financial Management Channel]

[00233 Short story on asset allocation for a safe and sound retirement!

September 3, 2024 CLEC Investment and Financial Management Channel]

https://docs.google.com/file/d/1GnCHxI8n8aBaOE1FYisb2GxBg_QpYxFF/edit?usp=docslist_api&filetype=msword

https://docs.google.com/file/d/1zDarf3N5qatxvIEeJc6CWrIIaSOMy-5X/edit?usp=docslist_api&filetype=msword

Young people now in their 30s should not invest in high dividends

Usually high dividends and low growth, long-term returns are very poor, and are not enough to prepare for retirement.
I still strongly recommend investing in 00662 (QQQ in the United States). If you want stability, at least invest in 00646 (SPY in the United States)
If you want to be more conservative, you can also buy Taiwan’s 0050.
But you just can’t invest in high-dividend ETFs, and don’t buy high-dividend funds. High dividends won’t help you retire;
Remember high dividends are low returns.
Search for Zhou Guannan on YouTube!
[High dividend ETFs are not suitable for retail investors. Monthly allocations only satisfy psychological feelings. Expert: Believe in numbers rather than stories]
Source: Xin Media (https://www.cmmedia.com.tw/home/articles/46355)
https://www.cmmedia.com.tw/home/articles/46355
In its latest fiscal budget proposal, the Biden administration proposes to increase the top personal income tax rate and impose a minimum 25% tax rate on those with a net worth of more than $100 million. The changes, targeted primarily at the wealthiest U.S. taxpayers, are intended to fund policies such as the child tax credit, the earned-income tax credit and the insurance premium tax credit. In addition, the proposal also includes banning Roth IRA conversions for tax preparers in high-income tax brackets and eliminating backdoor Roth IRA contributions. The proposals are unlikely to become law in the current divided Congress, but could become a topic of debate in the 2024 presidential election. More information can be found in original text.

SGOV state tax exempt ratio and IRS Form 1099-DIV Explained

https://docs.google.com/file/d/178RTiKbEccCq3aZbYCkU25dG2K31OFdA/edit?usp=docslist_api&filetype=msword

Next Saturday, April 27, 2024, clubhouse and the video will be suspended once

It’s wonderful and happy when the market rises every day

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

Or write me an email
[email protected]
[email protected]

Document Text

The market will only rise in the long run

Market fluctuations have nothing to do with me!

Blind investment without learning is dangerous

Investors are always extremely optimistic!

Must have long-term stable cash flow

September 3, 2024 CLEC Investment and Financial Management Channel]

Young people now in their 30s should not invest in high dividends

SGOV state tax exempt ratio and IRS Form 1099-DIV Explained

It’s wonderful and happy when the market rises every day

Table of Contents

00464 April 20, 2024

Document Text

The market will only rise in the long run

Market fluctuations have nothing to do with me!

Blind investment without learning is dangerous

Investors are always extremely optimistic!

Must have long-term stable cash flow

September 3, 2024 CLEC Investment and Financial Management Channel]

Young people now in their 30s should not invest in high dividends

SGOV state tax exempt ratio and IRS Form 1099-DIV Explained

It’s wonderful and happy when the market rises every day

Table of Contents