00471 June 15, 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 June 15, 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 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.

All of this is inseparable from your careful guidance and companionship in the past three years.

• Hello teacher:

• Although today is just an ordinary day, it is of great significance to me because today my stock assets have reached the goal of 33 times the annual spending in retirement.

• All of this is inseparable from your careful teaching and companionship in the past three years.

• In the past three years, it is precisely because of your guidance and companionship that I have been able to persist on the road of investment.

• Especially in 2022, listening to your courses every Saturday has given me the courage and confidence to face the market decline.

• Your guidance helped me learn how to stick to the investment strategy of using my monthly salary to continue buying and not selling when the market is down.

-Thank you again, teacher. I wish you all the best and good health.

• James:

• So happy to hear the good news!

• You are now financially free, and your life is up to you!

• This is the best feedback I have ever received from teaching!

• Celebrate your freedom!

Hello Teacher James!

• After a few weekends, the first draft of the Roth Conversion program (beta release): https://kaiyuan01.github.io/roth-conversion-planner/browser/

• If there are areas that need improvement, please apply for a github account and add issues here:

https://github.com/kaiyuan01/roth-conversion-planner/issues.

• In addition to programming, we also need web design, copywriting, etc. I wonder if anyone is interested recently?

Lowering inflation will lower wages and sell people’s labor at a low price, in order to benefit U.S. manufacturers that import low-priced goods from Taiwan.

• The Taiwanese government subsidizes water and electricity to suppress inflation, creating the illusion that inflation can be controlled without raising interest rates. For this, the entire people have to pay a very high price.

• Lowering interest rates has caused excessive undervaluation of the Taiwan dollar, lowered inflation and the undervaluation of the Taiwan dollar, and indirectly lowered labor wages. These actions have caused Taiwan to become a poor factory that sells labor and resources at a low price. These are all the reasons for low wages in Taiwan.

• Low water and electricity causes low inflation, which causes low interest rates. Low interest rates cause the Taiwan dollar to be undervalued, which also leads to low wages and profit-seeking export companies. Subsidizing these export industries is subsidizing large American companies. Taiwanese workers are so great. They use their blood and sweat to subsidize large American companies.

• Lowering inflation will lower wages and sell people's labor at a low price, in order to benefit U.S. manufacturers that import low-priced goods from Taiwan.

• Using taxpayers’ money to subsidize water and electricity also indirectly subsidizes large American companies such as Huida, Apple, Google, and Facebook.

• Part of the profits of major U.S. high-tech companies come from subsidies at the expense of Taiwanese workers and Taiwanese resources.

• TSMC and many high-tech companies should increase their gross profit margin to 80%, which is higher than that of Huida, give Taiwanese third-party manufacturers higher gross profits, and give TSMC employees higher wages, so that they can be worthy of Taiwan, Taiwanese third-party manufacturers, and Taiwanese workers.

These are Taiwan’s leaders. The central bank’s long-term mistakes have resulted in Taiwan ranking first in the world in high-tech, but the salary of young people is only more than 30,000 yuan a month! (Especially the central bank’s wrong decisions over the past 20 to 30 years.)

• The Taiwan Central Bank should raise interest rates and raise the value of the Taiwan dollar, which will directly increase the wages of Taiwanese people and increase the costs of European and American high-tech companies.

• A young man in Taiwan earns a monthly salary of NT$30,000, which is US$10,000 a year. If the Taiwan dollar doubles in value, his annual salary will immediately become US$20,000. Going to Europe for more than ten days does not require more than NT$200,000, but only NT$100,000 is enough. This is the way to allow Taiwanese people to enjoy economic benefits.

• These are Taiwan’s leaders. The central bank’s long-term mistakes have resulted in Taiwan ranking first in the world in high-tech, but the salary of young people is only more than 30,000 yuan a month! (Especially the central bank’s wrong decisions over the past 20 to 30 years.)

• American companies applaud Taiwan, and Taiwanese people are happy and have their tails raised. In fact, they are completely slaves to the United States without knowing it. This is worse than the shame of the Eight-Nation Allied Forces. The Eight-Nation Allied Forces knew that there was a concession, but they still knew their shame. Now we are under financial aggression. Europe and the United States are stabbing Taiwan in the back and helping with money without realizing it. It's so heartbreaking!

Some people are afraid of things. Procrastinating. If you have money, it’s the easiest to go all in at once

• If you are afraid of short-term losses, you should leave the market and should not invest.

• You need to pledge and (borrow bonds) to lend stocks to others. Having to buy in batches again, and having to wait until the end of the year to buy again, is really a waste of time. There is really no end to the fun, and life is not that complicated.

• No matter how much money you have, just buy it now. Pledge financial operations are the way to get rich, far better than earning a drizzle of 1% by lending stocks.

• I hate cash the most. Even if my account only has $1, I immediately buy SWPPX and there is no cash at all in my account. If you need money, you can borrow it.

Thanks to Mr. James for his teaching and sharing, which broadened my imagination about the path to wealth.

• Zhiqun

• There is a passage that says: Poverty limits our imagination. Poverty in wealth limits our imagination of a wealthy life, and poverty in knowledge limits our imagination of the infinite world. Some things are real and exist, but our knowledge is limited, poor, or even ignorant.

Thanks to Mr. James for his teaching and sharing, which broadened my imagination on the path to wealth.

That’s right. We can only see what we know, we ignore what is outside our knowledge

• The human brain has a set cognition and scene. You may not be able to see or understand things that are beyond the cognition and scene of a person's head.

• This is why poverty limits imagination, because if you are not rich to a certain extent, it is difficult for you to imagine how wealthy people invest, allocate assets, and live their lives, and it is even less possible to understand why they can make so much money without doing anything.

• Just like someone thinks that inheritance tax has nothing to do with him, because his assets cannot reach the level where inheritance tax is levied, so he cannot imagine why someone would think inheritance tax is a problem, so people who are not wealthy enough cannot imagine the thinking logic of wealth.

• Just like many people cannot understand why they need to invest in stocks, why they refuse to sell, why they still need to borrow money when they have so much money, why do they still need to borrow money when they already have money, and why do they still need to borrow money to pay interest? This is the limitation of poverty. Because most people simply lose money in the stock market, they do not think that capital gains tax is a very serious tax, and inheritance tax has nothing to do with them. The rich don't have to pay taxes if they don't sell stocks. These two kinds of thinking are completely different. Poor people cannot imagine, dare not pledge to borrow money, and will never understand why they need to pledge.

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]