A Newcomer's Essential Guide, rev 1.0, December 27, 2025

Related Materials

• Previous presentation: 00614C Short: Achieving Financial Freedom Through Proper Asset Allocation and Stock Pledge Loans, from 60 Million to 700 Million, December 23, 2025
• Next presentation: Calculating Beta

Document Text

The market can only rise in the long run

CLEC Newcomer's Essential Guide. CLEC Investment and Financial Management Channel, December 25, 2025. YouTube video number 00544.

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This ID is a scam, he often changes his ID

Beware of This Clubhouse Scam Account

This is a scam. The new account ID is a scam. He often changes the ID.

This is a scam. Please be careful. I will not contact you directly unless you come to me with questions. Remember that my correct Clubhouse ID is @clecchairman.

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!

• All this has nothing to do with me!

• Ignore the ups and downs of the market!

There is a pinned comment in the YouTube comment area with handout downloads and related links.

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.

I started learning CLEC two months ago. I wanted to learn from the beginning, but there were too many courses and I worried it would take too long. So I used a crawler to download the subtitles of all YouTube videos, extracted the documents, and made an AI Q&A application. When I encounter something while learning, I ask the AI; it tells me the corresponding lesson and link, and then I check the original video. Overall it feels quite efficient, so I turned it into a tool. I hope it helps other classmates.

Link entry:

https://gemini.google.com/gem/1SinRZQd1NiazojGIYI4raM-MwDkTGnuG?usp=sharing

Mainland funds parking reverse repurchase https://docs.google.com/presentation/d/1I227MVuWOTtiq2lEtGLaJCtENGoe_Dz8/edit?usp=drivesdk&ouid=113923943543023279904&rtpof=true&sd=true

• https://docs.google.com/presentation/d/1wA7oikkFSjJ1xX5Ik83D5f6p_3b0071j/edit?usp=drivesdk&ouid=113923943543023279904&rtpof=true&sd=true

Yield: The seven-day annualized yield is usually around 3.4% - 4%

• BOC Wealth Management QDII Daily Plan (USD version) is an R1 low-risk U.S. dollar cash management product launched by BOC Wealth Management. It has an annualized return of about 3.4% - 4% and invests in overseas deposits and money market instruments. The product features daily allocation and daily payment, supports dividend reinvestment, and begins accruing income the day after subscription. It is an option for investors allocating U.S. dollar liquid assets.

• Summary of key information:

• Product positioning: Cash management financial management, mainly investing in bank deposits, interbank certificates of deposit, bond repurchases and other high-liquidity instruments with maturities within one year.

• Yield: The seven-day annualized yield is typically around 3.4% - 4%.

• Income distribution: Income is calculated and distributed daily, and the payment method is dividend reinvestment (i.e. converted into shares).

• Trading rules: If you subscribe on the same day, the profit will be confirmed and calculated the next day; if there is no profit on the day of redemption, the redemption will be confirmed the next day.

• Fees: The partial share sales rate has been reduced to 0.20% (annualized).

• Risk level: R1 (low risk).

• Main features:

• Good liquidity: Daily operations, suitable for short-term capital allocation.

• Investment scope: Concentrate on high-grade US dollar bonds and certificates of deposit, which are greatly affected by the Federal Reserve's interest rate policy.

• Objective: Aims to provide better returns than demand deposits while maintaining high liquidity.

QQQ/QLD asset allocation backtest Backtester https://clec-strategy-backtest.vercel.app/assetallocationsimulationprofiles_2025-12-27.json https://drive.google.com/file/d/1nq8DJK-5bSru00-fJWdHpmwems9f6EUm/view?usp=drivesdk CLEC Special Topic: Updated software asset allocation and pledge-loan backtest simulation from 2000 to 2025. December 27, 2025 https://youtu.be/TJx6diRKZ7E

Why should non-U.S. investors use UCITS ETFs to invest in the Nasdaq 100?

Date: 2025

https://docs.google.com/document/d/14nkP80x_WeRze4LuxGtl_QYIvi5Irs07/edit?usp=drivesdk&ouid=113923943543023279904&rtpof=true&sd=true

00614C Short: Proper asset allocation with stock pledge loans to achieve financial freedom, a long-term investment strategy from 60 million to 700 million. December 23, 2025.

• https://youtu.be/AUVBtdl3lMA

Region: content is divided into the United States, Taiwan, and China.

• https://filedn.com/lkVzkKM9Ep4uX0mqz8WR9Tm/clec-faq/

• CLEC Investment and Financial Management Channel (Short FAQ) - NotebookLM •• https://share.google/GYYttc3r2OBFFYPlJ The top-right menu includes these functions:

• Home: Return to the home page.

• Region: content is divided into the United States, Taiwan, and China.

• Topic: content is divided by topic, such as asset allocation, pledge loans, borrowing, taxes, and so on.

• Q&A: Use NotebookLM for interactive Q&A.

• About: introduction to CLEC Investment and Financial Management FAQ.

The "Great Principles Are Simple" Investment Method Information Sharing Network (Chengfeng Pilot) https://filedn.com/lkVzkKM9Ep4uX0mqz8WR9Tm/cfn/

• • "CLEC Easy Investment Chat" NotebookLM is now online (Google account required). Thanks to Chengfeng for setting up this system.
• • https://notebooklm.google.com/notebook/736acf71-c8bf-4b46-992b-4badda3838f0

ChatGPT : CLEC James Investment Channel

• https://chatgpt.com/g/g-Q8Y2TmEcq-clec-james-investment-channel

Watch "Investment Translator" on YouTube

• https://youtube.com/@fyinvesttalk?si=1abr4RR_iq5CXqYi

Watch "Chengfeng Pilot Road to Simple Investment Method" on YouTube https://youtube.com/@cheng-feng?si=_Nu_t8g6BymmPfdm

Watch "Blaize's Investment Notes" on YouTube

• https://youtube.com/@zeroboss2006?si=xyF6165mc42UxbIo

3. Spotify

• 2. RSS platform: https://rss.com/podcasts/clec/
• 3. Spotify:

https://open.spotify.com/show/1VifJmIvrGojkgNe2D43ut?si=d76b4cad97be469c

• 4. Amazon Music:

https://music.amazon.com/podcasts/b8d0975e-353a-4d41-b78a-907195c75ea3/clec%E6%8A%95%E8%B3%87%E7%90%86%E8%B2%A1%E9%A0%BB%E9%81%93

CLEC Related Information: English Channel

• Watch "Wealth Whispers" on YouTube

• https://youtube.com/@getqqq168?si=4f87hl0xQ2R-E-se

Apple Podcast of the old show

https://podcasts.apple.com/tw/podcast/clec-%E6%8A%95%E8%B3%87%E7%90%86%E8%B2%A1%E9%A0%BB%E9%81%93-%E8%BC%95%E9%AC%86%E8%81%8A%E6%8A%95%E8%B3%87/id1559767732?l=en-GB Spotify:

https://open.spotify.com/show/7fxtjZwTEYrtIpHMNXqXgJGoogle Podcast:

https://podcasts.google.com/feed/aHR0cHM6Ly9hbmNob3IuZm0vcy81MmRiOGUzNC9wb2RjYXN0L3Jzcw

[The relationship between different asset allocations and withdrawal rates]

• • This is mainly for people who have retired and have no income.
• • People approaching retirement should also adopt this strategy.
• • For friends who are more than 10 years away from retirement, of course you can be more positive and have a higher beta, and you can bravely accept the decline.
• • People with different asset allocations can still use different asset allocations to withdraw an appropriate proportion for their daily needs. For all asset allocations, the key point is to first determine the annual withdrawal rate and then the cash proportion.
• • After you figure out your cash ratio, beta will be in a range. People who need to withdraw more will have a lower beta.

However, it is relatively difficult to allocate assets with 15 years of cash at the beginning, and it is not absolutely necessary.

• • The compromise is based on the previous asset allocation, plus when the market rises, you can do rebalancing actions to slowly increase the cash to a 15-year annual expenditure level.
• • If there is not enough cash for more than fifteen years starting from the market high point, try not to rebalance in the year of decline. If there is no cash for fifteen years at the high point, rebalancing in the year of decline will be risky.

• *Only do down years in balance if you have more than fifteen years of cash at the top. For example, if there are eighteen years of annual expenses at the high point, there will be three years of decline to rebalance.

• • The most important thing about long-term investment is survival, not rate of return.

• The prudent approach is to have fifteen years of cash at the market's highest peak. All investment asset allocations are very personal, and you must have a deep understanding of the asset allocation and strategies that best suit you.

• Disclaimer

• The content of this article and the video are only experience sharing, not professional investment or tax advice. Please make your own judgment and prudent decisions. Investment is risky, so be cautious when entering the market.

China can use Southern Dividend Low Wave 50ETF to connect A (008163) Hong Kong High Dividend

• Friends who have already provided annual expenses for fifteen years can retire! Use high dividends to obtain sufficient cash flow, and use the Nasdaq 100 Index Fund as the base asset allocation for the rest to obtain asset appreciation!

• The U.S. and Taiwan complex trusts (each with U.S. inheritance tax issues) can be allocated with high-dividend assets, such as QQQI with a dividend yield rate of 12%.

• China can use Southern Dividend Low Wave 50ETF to connect A (008163) Hong Kong High Dividend

• Hong Kong can use * 3416.HK, which refers to the Global X HSCEI Components Covered Call Active ETF listed on the Hong Kong Exchange (HKEX). Annual dividend payout is about 16%

Annualized rate of return: The annualized rate of return is expected to be as high as approximately 15.98% to 16.75%

3416.HK refers to the Global Nianhua’s dividend payout is about 16% The following is the latest relevant information as of December 19, 2025:

Latest market price: HK$10.51 Investment target: This is an active ETF, which mainly invests in the constituent stocks of the Hang Seng China Enterprises Index (HSCEI, referred to as "China Index") (such as Alibaba, Tencent, Xiaomi, etc.).

Investment strategy: Adopt covered call option (Covered Call) strategy. Earn option premium income by selling (selling) country index call options, thereby offsetting part of the market decline or increasing cash flow income.

Income and dividends:

Dividend payment frequency: monthly dividend payment.

Annualized rate of return: The annualized rate of return is expected to be as high as approximately 15.98% to 16.75%.

Cost and scale:

Management fee: 0.75% per year.

Asset size: approximately HK$13.5 billion.

Publisher: Mirae Asset Global Investment (Hong Kong) Co., Ltd. (Mirae Asset Global Investments).

Global X National index covered call option active ETF - Global ll-e tf/

CLECThere is no discussion group and 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 funds QQQ and local ETF issued accordingly in various countries.

• Do not rely solely on the advice of financial consultants, including Charles Schwab financial consultants. They can assist in opening an account, but it is not recommended to fully adopt the ETF 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 the Nasdaq 100 Index Fund

• In the United States: It is recommended to buy QQQ or QQQM if you have small funds. You can invest cash in Money market SWVXX or short-term coupons BIL and SGOV, BOXX

• Taiwanese investors: We recommend Fubon NASDAQ 00662, and invest cash in China Trust US Government 0 to 1-year Bond ETF Fund <00865B.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 in 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) in US dollars; in Europe, EQQQ and SP500 index funds are recommended: CSPX.L.

• 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 the United States QQQ through the Phillip Securities poems cas h plus trading account.

• South Korea: The recommended QQQ ETF are 368590.KS/133690.KS/367380.KS.

The world's best U.S. Nasdaq 100 index investment https://docs.google.com/file/d/1RMnRsR82hQGj9T7dTZqs5A9q_p4lmbwa/edit?usp=docslist_api&amp;filetype=msword

From 2018 onwards, we have retained 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 film 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.

Today's social media environment changes rapidly, and sometimes channels may be blocked or removed without warning.

• In order to avoid losing contact, we recommend that you do not only track our accounts on a single platform.

In addition to YouTube, please also follow our Facebook, Podcast or Clubhouse channels. In this way, if the channel on one of the platforms encounters restrictions or is closed, you can still get the latest news through other platforms as soon as possible.

• Once a channel abnormality occurs, we will also announce new channel information on other platforms to ensure that everyone will not miss any important content.

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 but never fall.

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

The market is rising every day, which is wonderful and joyful

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