00465 May 4, 2024

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The market will only rise in the long run

Clubhouse easily chats about investing in CLEC Investment and Financial Management Channel May 4, 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!

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 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.

We recommend investing 100% in Nasdaq 100 Index Funds

• 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!

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

• Ask Teacher James: The teacher said that we need to prove it. QQQ has been rising for a long time and has not lost money after holding it for 15 years, so the stock market has been rising in the long term (it is wrong to think that QQQ is still falling in the long term, unless there is data to prove that it is still losing money after holding it for 15 years). But the teacher also said later that we should prevent Wall Street from closing down for 10 years and hold cash for 10 years. (We were unable to find data proving that Wall Street was ever closed for 10 years, so ditto, this shouldn't be assumed). I ask this question because it is very difficult for most people to hold cash for 10 years. Thank you teacher for the answer

"The market will be closed for 10 years in the future" This is a hypothetical statement. It is just a hypothetical statement, not a proposition, and does not need to be falsified.

• If it is changed to "The market will be closed for 10 years", it will be an affirmative sentence.

• If we say, "Those who have retired will not be exposed to risk if they use our recommended asset allocation." Then this is the proposition. Only affirmative sentences can be propositions; interrogative sentences, hypothetical sentences, expected predictions and negative sentences are not propositions.

• "If the market is closed for 10 years in the future" hypothetical statement, this is not a proposition. There is no question of "true" or "false". We can only know what happens in the future. It’s up to the individual whether to prepare for unknown risks. It’s good to be appropriately prepared for risks, but it’s not good to be unlimited. The market may not necessarily fall for 10 years, but it will take 13 years for the market to return to its high point. The 13 years before it returns to its high point can be regarded as the market being closed for 13 years. Those with enough cash do not need to sell assets to live.

-The following is the proposition:

• 1. [If you are still working and have no cash to live on for 10 years, there will be no risk of bankruptcy in the market. 】This is a proposition. You can know that no matter what happens, as long as you continue to work, you can still live a life after the market is closed for 10 years.

• Of course, some people will say that if the market falls for 10 years or the market closes for 10 years and you lose your job, wouldn't there be risks? This can be falsified."

• So it was changed to [If you are still working, hold cash for 10 years. As long as you can continue to work, there will be no risk. 】This is a "true" proposition.

• Then you can also say that if there is a natural disaster or a man-made disaster, it will be useless before the war. Isn't it also risky at that time? This is not proving "false". To prove the authenticity of a proposition, hypothetical situations cannot be used.

• 2. [Those who have retired will use our suggestions for asset allocation and there will be no risk of bankruptcy in the market. 】This is an affirmative sentence and a proposition. It is possible to live a life even if the market is closed for 10 years. Therefore, our 00005 album video is trying to use the worst market conditions from 1999 to 2009 to prove that the above proposition is "true." If we cannot find a risky situation among all our situations, then the above sentence is true.

• When we say that you need to have cash for more than 10 years, we mean retired people who have no income, and people who have pledged loans. They need to have cash that is more than twice the loan or living expenses for more than ten years. Choose the higher amount.

• Generally, people who are still working do not need to hold cash for 10 years, because if you are still working, even if the market closes for 10 years, you can continue to work. So for those who are still working, you can hold cash for three months, four months, five months or six months, and you can invest the rest.

• All the situations mentioned in our 00005 special video have cash positions. How much cash is there? Even if the market is closed for 10 years, you can just continue to work.

• Generally, retired people who are 7 or 80 years old and cannot continue to work or have mortgage loans need to keep cash for more than 10 years or more than twice the loan amount. For details, you still have to make the correct asset allocation according to the asset allocation table in our video 00005.

• 15 years of market decline and 15 years of market closure are almost the same. It is impossible to sell stocks at low prices to survive. Retirees will sell stocks at low prices if they do not prepare emergency reserves for more than 10 years. This also goes against our principle of never selling, so there is no need to sell stocks at low prices if you have cash.

• For retired people, you have prepared 50 times of annual expenses. Cash in 10 years is only 20% of assets, so why do we all have 20% cash in our asset allocation. We have never recommended situation seven because there is no cash in situation seven and the risk is very high.

Is it because we choose to install what we think in our heads? Please answer my doubts, teacher.

• I would like to ask Teacher James, I have seen that in the investment market, some people buy individual stocks because they are too confident, while others are too conservative and dare not invest, but cannot see the steady growth of qqq. What is this phenomenon?

• Is it because we choose to put what we think in our heads? Please answer my doubts, teacher.

What is ignorance in life? what is not knowing

• Active speculators who buy individual stocks are overconfident, think they know it well, and think their performance will surpass the market. This is ignorance of not knowing what you don’t know!

• There are two types of people who are worried about losing money: one type never invests, they act like parrots, they listen to outsiders saying that investment will lose money, and then they think that investment will lose money. The other type of people are speculators who think that the market will always lose money after they do not invest randomly and cause losses.

• These are all based on my own cognition. I always thought I knew it, but in fact it was my ignorance that I didn’t know and I didn’t know!

• So, we admit that we don’t know, and we know that we don’t know!

• What is ignorance in life? What is not known.

• When you haven't reached the stage where you need to deal with these things, your brain can't understand what I'm talking about at all. It's like many people don't have much money or are against borrowing money. They keep asking about borrowing money or arguing about why they should borrow money. No matter what I say, I will never understand.

• So when you need it, when you make a lot of money from your stock assets and you have to pay taxes when you sell them, or when you feel it is a pity to sell them, then come back and watch our videos when the time is up, and you will know it very clearly.

• The time has come, the time has come, you will understand naturally after watching our videos. Our video makes it very clear, assuming that when the time comes, you will understand it. If the time has not come yet and there is no need, you will not actually implement it yourself, and you will completely imagine it, and you will never understand it. Some people say, "You will arrive when you go out." If you never go out and daydream at home, you will never arrive or understand.

• You will understand it as soon as you do it (this is what you will get when you leave the house.) No matter how many questions you ask, you will not understand it. It is like someone who has never seen an iPhone and keeps asking questions. Do you think you can describe what an iPhone is to him? Will he ask if sound is transmitted through water? Or is it transmitting sound through leaves? Did you take the photo through a tree hole?

You are the person we are looking for. Although the work is hard, the key is to have hope in life, wealth and freedom.

• Thanks to Mr. James. I listened to the teacher’s channel at the end of December last year and learned to learn. On average, more than 8 hours a day. Some movies can be listened to multiple times...Open an account...Save QQQ...Correct investment...Wait...Patience...Learn to listen repeatedly...(a message from a hard-working worker) Thank you, thank you, thank you

• You are the person we are looking for. Although the work is hard, the key is to have hope in life, wealth and freedom.

• Because the capitalist system gives us the freedom to be rich and happy, which is so happy and joyful.

I feel that I am getting further and further away from his values, and I even feel that talking to him more is a waste of time!

• This channel is not only a way for me to make money, but also a spiritual and energy source.

• I like reading and being alone very much. Like the teacher, I feel that I have a deeper understanding of interesting authors and ancient people who used books to make friends. I really don’t like unnecessary social interactions. It’s okay to occasionally chat with the parents of my son’s kindergarten. But if we meet for a few hours because the children want to play together, I feel that the conversation is not conducive. I once wondered if it was too weird to be incompatible with other people! Through this channel, I found that everyone (teachers, hosts, students) can resonate on the same frequency, and I am very happy and satisfied.

• I often share the benefits and rich passwords of this channel with my mother, sisters, and husband. Except for my husband, no one else believes it. My 70-year-old mother only puts her pension into fixed deposits and gets monthly refunds. She is very frugal and frugal. She even has to wash wet wipes repeatedly. I used old clothes as a rag for my feet, and when they got dirty, I had to wash them by hand with water from the washing machine's pipe. This time I went back to Taiwan and saw it, which was incredible! He also asked me not to talk to him about investment and wealth all the time. It was too tacky, and said that all I could think about was money! He said that he was very satisfied with his current life. I wanted to help my four-year-old son open a securities account in Taiwan, and I commented: You don’t have much money, so you don’t need to open more accounts!

I feel that I am getting further and further away from his values, and I even feel that talking to him more is a waste of time!

• My sister only believes in real estate investment because she has a friend who is a real estate agent. She believes whatever the real estate agent says and doesn’t like to use her brain to understand. Due to cash flow problems and two children who are about to reach puberty, they are busy all day long and have little quality of life and no time for parent-child interaction.

• It’s hard to accept that my family members are what teachers call ignorant people who don’t think, don’t grow, and just follow what others say! I would like to ask teachers and seniors to enlighten me on this point!

You can feel the picture from the text, and you can feel your situation very well.

• My hypnosis teacher said something [If you try to help an average person, you will usually end up in vain because you think he has difficulties, but he doesn’t think he has difficulties. This is our difficulty. 】

• To convince others, use money to persuade, eat in the best restaurants, and stay in the best hotels.

• Through actions, let your family know that you are rich, and wealth is a talent. Let your family know that you are free and happy, and happiness is a human right.

• This is more powerful and convincing than any words. If they are not happy yet, that is their "fate". 【It’s hard for gods to save lifeless people! 】

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

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• Or write me an email

• [email protected]

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