00467 May 18, 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 18, 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!

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.

Huang Peter left a message

• Annual expenses are NT$800,000. If my assets reach 33 times, can I retire all in 00662?

-Teacher’s reply: This is risky. If it fell by 80% in ten years from 2000 to 2009, 33 times the capital would not be enough, and 50 times would be enough. Otherwise, asset allocation of different funds will be used.

• https://docs.google.com/file/d/1xeJLBxGD_iGOZTNtuT5kkG78KVyfgDoy/edit?usp=docslist_api&amp;filetype=msword

• Please watch the following films. Especially No. 00454, Topic 00005, 00466

• Investment risk management

• https://youtube.com/playlist?list=PLiskER8xug1dxX1-UVDicxBW2FfEicJis&amp;si=A5Vk9vQN1tF3mFeZ

• If your retirement funds are only 33 times the annual expenses, you can use 00646 instead of 00662. And don’t all in, want 80% 00646 (SPY);

20% 00864B (SGOV SWVXX ) Rebalanced annually. That is the situation in which we provide asset allocation.

[The highest guiding principle of asset allocation]

• No matter in any extreme situation:

• 1. money market and fixed deposits have no interest.
• 2. Borrowing interest rates have risen to the sky
• 3. The stock price drops to zero. 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.

Thank you very much, teacher, for helping me understand how to enter this investment path.

• I also very much agree with what the teacher said about capitalist war.

• I come from Hong Kong. I didn’t think investing was important at first, and I didn’t know how to invest. I always heard from my parents and others that stocks were very risky, and many people lost money. They told me not to enter the market, and then I just put my money in insurance.

• After keeping the insurance for 10 years, I took out the money when I moved to the UK and found that the amount I could get back was very small. I knew this was a scam.

• Now living here in the UK, I have discovered the importance of investment. Working hard as a laborer here will always make money for the capitalists, and all the profits belong to them. We are the only ones who work hard.

• Taxes are also very heavy. Life as a laborer is not easy.

• Therefore, I don’t want my descendants to repeat my cycle of labor.

In the past, I have always been a conservative financial person. After paying off the housing loan, even if the loan interest rate is very low, I will not take out a loan for more than ten years.

• In the bear market of the U.S. stock market in 2022, my concept of loans completely changed due to the teacher’s teachings. Mortgage your house with a bank in Taiwan, apply for a low-interest housing loan that does not require repayment of principal, expand the pie, and invest all in 00662 one after another. At the same time, you will sell all the Taiwan and US stocks you hold in your hands and convert them into 00662 and 00670L. I'm very happy with my current portfolio. Next, I will look for opportunities to try 00662, stock pledge lending, and I have become convinced of this financial management model.

• Living on loans, as long as you control the risks, is the way to get rich as a capitalist. The difference between capitalists and ordinary people lies in their thinking patterns. What the teacher teaches is the thinking of capitalists and the thinking of rich people. Following the teacher makes me confident in a wealthy life! Thank you teacher for sharing generously!

• Recently, I invited a good friend and his wife to have dinner and taught them investment methods. I shared with them how I met Mr. James on the YouTube channel, how I sold all the stocks and invested them all in US index fund ETFs, and how I followed Mr. James in investment and financial management. So this couple, who had no investment experience at all, started to buy QQQ and prepared to open a Taiwan securities account to buy 00662. They are all about to retire and started a little late, but thankfully, at least they have started to invest and manage money seriously.

Their two children live in the United States and have a long road ahead. They can also gradually be influenced by their parents to buy American index funds and invest to become rich. Through the teacher's enthusiasm, I was able to easily share with my good friends how to invest and become rich, and I also felt the joy of helping others, which is the basis of happiness. Thank you again, teacher, for your selfless teaching and enthusiastic sharing!!!

Really great! Possession is not wealth. Seeing others don’t have it, helping others have it is true wealth.

• The following is a message to share:

• I hope that when I retire, I can teach investment and financial courses to the people, so that people with ordinary incomes can learn to take care of their own finances and have a stable and secure retirement life, instead of being squeezed by their employers all their lives, fighting in the office and following the boss, and have the confidence to choose their favorite career. Investment and financial management should not be something that a few people with high incomes or rich assets can think or do. What many financial Internet celebrities do not say is that they have good jobs and high incomes or have a good starting point in their families. I hope to be a person who can give ordinary-income office workers hope for the future, rather than I watch the government's labor insurance and pension reform being reviewed forever and doing nothing to solve it. Save your own life! Now I am beginning to gradually teach the knowledge learned in CLEC to my subordinates, so that they can see their financial growth. In the future, my goal is to be a citizen.

-The following is the teacher’s reply:

• It's really great! Possession is not wealth. Seeing others don't have it, and helping others have it is true wealth.

Really, if one person achieves enlightenment, the whole family will be rich! This mission is both meaningful and long-lasting!

• I am always moved by the teacher’s words

• I used to think that donating money can help people who are suffering, but teaching investment and financial management to improve your thinking can save countless families. As long as one person in a family successfully invests, more relatives and friends can escape from labor slavery and have a chance to regain their freedom. Perhaps the meaning of money is to help more people to be free.

• The following teacher left a reply:

• Money and material power are limited! But spiritual power is infinite! This is why I choose to invest in financial education, because it can really cure "poor" diseases and save people!

• Truly, if one person attains enlightenment, the whole family will be rich! This mission is both meaningful and long-lasting!

• When we become a big tree that can cover the world, our power will be very powerful and we can help more people.

Reply: You are all seeds. Promote our investment philosophy of life. Saving poverty and eradicating poverty is our lifelong mission.

• What the teacher said is so good: When people have no money, they can’t think about the meaning of spiritual energy. But when life is better, they feel that people can conquer nature. Only when financial thinking goes hand in hand can we believe and persevere. The more stable your mind is, the more you will understand that this seemingly long-term road to wealth taught by the teacher is to give your mind time to keep up with the speed of compound interest on money.

• Reply: You are all seeds. Promote our investment philosophy of life. Saving poverty and eradicating poverty is our lifelong mission.

• In the capitalist and democratic political system, we can use the capitalist system to eliminate poverty and promote class mobility

• Wealth is a gift, happiness is a human right, everyone must be told that everyone has the right to have it.

• The revolution has not yet succeeded, we still need to work hard.

Human beings’ transition from divine rights to natural human rights also begins with cognition

• This episode is great, especially the real estate metaphor at the end ④. It is easier to understand why 85% of your hard-earned life's work income does not belong to you. It is really not easy to escape from the cognition that you have been educated from birth to now. Even if you know it and actually take action, it will take a long time! Thank you

• Growth and transformation start with cognition!

• Human beings' transition from divine rights to natural human rights also begins with cognition.

• Before cognition, someone needs to tell you, and most people need to be informed. This is the beginning of awakening.

Capitalism is an evil doctrine, but it is also the most fair, just, and efficient doctrine that mankind has ever developed.

• As long as we raise awareness, the government printing money will replenish real bullets for the capitalists!

• So as long as we learn to be capitalists, we hold assets instead of currency. In fact, we borrow money. We borrow a lot of currency printed by the government that will become garbage in exchange for assets, and we are the highest-level capitalists!

• Don’t complain about the government printing money, let alone worry about the government responding. Capitalists very much welcome the government to respond in large amounts, which is the best time to redistribute assets. The government printing money provides our capitalists with more ammunition. The only ones who complain are the poor.

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]

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