00466 May 11, 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 11, 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.

(30%) Simple version simulates the asset allocation of different investors rev 4.0f2 (the part earned by the leveraged fund in the rising year is transferred to cash 30% Video 00466

• https://docs.google.com/file/d/1fCrU_QJj7a3OQqzGYoppmYL31vbi9Yn5/edit?usp=docslist_api&amp;filetype=msexcel

• (50%) Simple version simulates the asset allocation of different investors rev 4.0f2 (50% of the earned income from leveraged funds in rising years is transferred to cash Video 00466

• https://docs.google.com/file/d/1bw8kAUbOV1f9NBe_2QKTMzfOX_t9eN-S/edit?usp=docslist_api&amp;filetype=msexcel

Since I invested in SPY and QQQM, I am full of hope that I will be able to live a happy retirement life in the future.

• Hello! I am so grateful to have been lucky enough to see your YouTube in 2020. I bought SPY in 2020, and QQQM continues to buy it until now.

• Recently, I reunited with a friend (43 years old) who is a financial advisor. A few years ago, he suggested that I buy Index funds from DCA. However, he said that he had stopped all investments recently, fearing a sharp market drop, and put all the money from selling his investments into time deposits.

• He has cash in the bank, but he doubts he will have enough income in retirement. He also asked me if I still hold SPY. QQQM continues to buy until now?

• I'm surprised financial advisors can't make good investment decisions themselves. Therefore, you must keep your money yourself. If financial professionals can’t take care of themselves, who can trust them?

• Since I invested in SPY and QQQM, I am full of hope that I will be able to live a happy retirement life in the future.

• It can be seen how scary it is to hand over your own money to an investment consultant to help you manage your finances. There is also little hope of making a profit by following the advice of investment consultants.

• All investment advisors and fund managers take other people's money instead of investing their own money, so when they say they will invest, they are actually trying to make money.

• The reason why Buffett succeeds in investing is that he uses his own money from the beginning. Only when he invests with his own money and succeeds in the end can he understand investing. If you invest with other people's money and merely talk while teaching others to invest, you will never truly understand investing.

• In addition to having correct investment knowledge and buying index funds, the biggest test of investing is human nature. If you do not invest your own money and only talk while teaching others to invest, you have not experienced the test of human nature. You may even make a big gamble and become a stock god if you bet correctly and gain both fame and fortune. If you bet wrong, the loss will be attributed to the customer. At most, you will repeat the same trick and continue to cheat.

• So investment consultants and fund managers use other people's money to invest. If you expect them to help you invest well, you are actually asking the Lord of Hell for a prescription, and you are courting death!

• It’s not just your investment advisor who is like this, it’s almost all investment advisors around the world. So don’t believe any active funds or what anyone says about investing, and it is recommended not to give your money to a financial advisor.

• @RC-cw2uj Recently I have been studying the teacher's concept of mortgage loans, and I saw the transcript of a short video, which mentioned that if you borrow money to live your life with mortgages in your later years, your net worth after 40 years will be higher than the 2% or 3% of the assets you eat every year, and the remaining assets will be higher. Then I felt very excited. The calculated results were completely different from normal people's intuition. This field is worthy of my continued research. Even if I only know a little about this field, the risk is very high and may even lead to bankruptcy. I am determined to take the time to understand it. I hope that a hundred years from now, I will be in heaven, my assets and liabilities will be in the bank, my descendants will be passed down to generations, and my reputation will last forever!

When borrowing money to live your life, the risks must be controlled, but good debt can make your assets 10 times and a hundred times more than others.

• Because our own assets never diminish. So the asset that borrows to live off ends up being richer, and the asset appreciates faster because the asset doesn't diminish.

• If you use the analogy of raising chickens, if you have two chickens, they will lay two eggs and make two more chickens every year. If you eat both chickens every year, you will always only have two chickens.

• Suppose you borrow two chickens to eat, you will owe two eggs every year, and you will never have to pay them back. Your two chickens will become four chickens in the second year, and eight chickens in the third year. In this way, after 40 years, you will have 1,099,511,627,776 one trillion chickens. One trillion is a huge number, exceeding the power of an atomic bomb. The chickens and eggs you owe are only a few hundred chickens and a few hundred eggs.

Suppose you have 10 million people who owe 5 million, and the return on investment of 10 million is 10%, and the annual appreciation of your assets is 1 million.

• Living without borrowing money, there is no risk of borrowing money, but there is the risk of insufficient assets. Poverty is a great risk and a disease.

• Because living expenses are all spent on one's own assets in a down-to-earth manner, which is like killing one's own chickens. Assets continue to decline, so although the return on assets is the same, it increases by a different amount each year. Just like workers exchange their lives for money, how much money can you exchange?

• Suppose you currently have 10 million people who owe 5 million, and the return on investment of 10 million is 10%, and the annual appreciation of your assets is 1 million.

• If you don’t borrow money and you spend all your own money, even though you don’t owe 5 million, you may only have assets of 5 million left. If you still have an investment return of 10%, your annual appreciation will only be 500,000. This year's asset appreciation has doubled. There will be millions of times the difference in the future.

• As time goes by, the personal assets borrowed have reached 100 million. Although the debt has increased to 20 million, the assets have increased in value by tens of millions every year. Another person who has not borrowed money may have five million, but his life will only stay at five million or less. Even if he grows to ten million, the value will increase to one million at most in a year.

• So in the capitalist world, people who borrow money are in heaven, and people who use their own physical strength to make money and spend their own money can imagine the plight of life.

@RC-cw2uj People have two legs and the first four!

• Ordinary people use labor to make money,

• Invest money to make money!

• Really rich people make money with other people's money!

Eunos Lam

• I also believe that technology will continue to advance. I am a novice in investing and I still need to learn many things from teachers. Some people on the Internet often say that for asset allocation, some need to be placed in bonds. They say that when stocks fall, bonds will rise. QQQ has been dispersed. In fact, do you still need to put some in bonds? What are the intentions of those people and why do they advocate this idea?

Another question I have is, can I also put some of my assets into the spy to absorb the entire US market? Thank you!

Young people should not invest in SPY but invest in QQQ, which is growing faster. Because time can smooth out short-term volatility risks

• Only those who are old and close to retirement and have insufficient funds and are not far away from retirement and are worried about fluctuations need SPY.

• Buffett said that only those who are completely ignorant about investing need long-term bond asset allocation. Recommendations to invest in long-term bonds are fear-mongering by the financial industry, a magic trick the financial industry targets at ordinary ignorant retail investors.

• Long-term bonds and other financial derivatives are junk food and even toxic assets in the financial industry. Moreover, the bond funds sold by the general financial industry are not just U.S. bonds. They are usually derivative financial products, structured bonds, and some packaged bond funds. These have relatively high gross profits, high rebates, and high performance bonuses. To ordinary people, it is a poisonous asset.

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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