00499 [Future Wealth Planning: Capital Allocation for the AI Era. Cash, QQQ, and QLD: Three Steps Toward Optimal Asset Allocation] January 18, 2025, CLEC Investment and Personal Finance Channel

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Document Text

The market only goes up over the long run

Clubhouse, easy talk about investing in CLEC, January 18th, 2025.

Market volatility has nothing to do with me!

• Market volatility has nothing to do with me!

• The international situation has nothing to do with me!

• Market analysis has nothing to do with me!

• Market volatility has nothing to do with me!

• The economic situation has nothing to do with me!

• Everything has nothing to do with me!

• Ignore market noise and volatility!

Investing blindly without learning is dangerous

• Watch our videos and ask specific questions, including:

• The video number and the timestamp where the question appears.

• Asking questions after watching the video is the most effective way to learn.

CLEC has no discussion groups, and we have not authorized anyone to do anything

• We cannot know the membership or purpose of any group, and such groups are easily infiltrated by bad actors.

Our recommended investments are mainly the Nasdaq-100 index fund QQQ and corresponding local ETFs issued in each country

• Do not blindly trust financial advisers, including Charles Schwab financial consultants. They can help open accounts, but we do not recommend fully accepting the ETFs or other financial products they propose.

• Over the long run, the Nasdaq-100 index fund and the S&P 500 index fund have been the best-performing investments. Individual stocks, other funds, and wealth-management products usually do not help investment success and should be avoided.

We recommend investing 100% in the Nasdaq-100 index fund

• In the U.S.: buy QQQ, or QQQM when capital is limited. Cash can be invested in money market fund SWVXX or short-term Treasury bill ETFs BIL and SGOV.

• Taiwan investors: Fubon Nasdaq 00662 is recommended. Cash can be invested in CTBC U.S. Government 0-1 Year Bond ETF Fund (00864B.TW).

• China investors: 513100/513300/160213/159941/161130/159660 are suggested.

• Hong Kong investors: HKD 3086, USD 9086, ETF 2834 (Hong Kong dollar)/9834 (US$).

• Canada investors: convert to U.S. dollars and buy QQQ directly, or use CAD products such as QQC.TO/ETF (HXQ.TO).

• Australian investors: recommend NDQ purchases.

• UK investors: iShares VII Public Limited Company - iShares Nasdaq 100 UCITS ETF (CNDX.L), denominated in USD, is recommended. In Europe, EQQQ and CSPX.L are recommended.

• Brazil: The recently launched NASD 11 is the NASD11.

• Japanese investors: Option 2568/1545/2631.

• Malaysia and Singapore citizens can buy U.S. QQQ through Phillip Securities' POEMS Cash Plus trading account.

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

Since 2018, we have kept all our videos on YouTube so everyone can learn investing in chronological order

• https://docs.google.com/file/d/1RMnRsR82hQGj9T7dTZqs5A9q_p4lmbwa/edit?usp=docslist_api&filetype=msword

Since 2018, we've kept all the videos on YouTube for investment in time.

• The video reflects the market situation and the right investment decisions, but with time, some strategies may no longer be appropriate, and these are valuable learning resources.

• The viewers should be able to think about the content of the film in conjunction with the market and develop their own thinking and judgement skills.

• Some of our early investment proposals included certain shares and general funds, which were good investment options at the time, but the right ones also needed to consider individual risk tolerance and investment strategies.

Investors are always extremely optimistic!

The investors will always be in the sun!

The market will finally rise!

Investment needs patience!

Rich is worth waiting for!

Subscriptions, messages, presses, shares Apple Podcast.

The market keeps rising forever; it only goes up, not down

The U.S. dollar has nothing to do with U.S. equity. The U.S. investment is in possession of U.S. assets without U.S. currency.

• https://docs.google.com/file/d/1kpsMUisq1wybAZraa6Kvsb32ynBG0qli/edit?usp=docslist_api&filetype=msword

Smart rebalancing initial asset allocation 40% QQQ + 30% QLD + 30% Currency Market Fund (cash)

Is QQQ growing or falling?

QLD asset at the end of the year - at the beginning of the year

• X 30% of the additional investment in the year to X 2% of the cash to the fund

• https://docs.google.com/file/d/1T882J-WuW-p5EzUgZN_IET_8aNtOsgwS/edit?usp=docslist_api&filetype=msword

Or you can go back to work and throw the stock in the ditch. Talk with your head. Don't say anything.

• You're 44 years old. When you're 88, what do you think of your two shares? Young people think about assets differently from older people! Ten years and 40 years are quite different.

• You're saying it doesn't matter if these two shares are zero now, are you serious? You're gonna increase your capital by two zeros in 20 years. Don't you care about the two zeros?

• If so, what are you doing at work? I don't care if I have two more pieces of money. I'm still working for the money for the soybeans.

• Or you can go back to work and throw the stock in the ditch. Talk with your head. Don't say anything.

The financial industry is designed to dig money out of your pocket

• The financial sector is worse when people are ignorant.

You're very good, and even better, you're very active and immediate. That's the most important thing for success.

• You know, you're not saving hundreds of thousands of dollars, and some people didn't start to claim his traditional retirement account until RMD.

• For example. You IRA 1.74 million, you'll have 88.65 million by the age of 90.

If you want to pay taxes, you have to pay half.4432 million. So you saved 4,432 million taxes.

• Most people don’t know that they have lost tens of millions of dollars and that laborers can't work as hard as capitalists.

There are walls in the United States. Different opinions, different religious beliefs, different political positions, and left-to-right.

• There are many walls in the world, just people inside the walls don't know they're inside. Many people who think they're outside the wall don't know they're inside the wall.

• There are walls in the United States, with different opinions, different religious beliefs, different political positions, and left-to-right parties.

• Everyone builds walls, locks themselves in walls.

It's good, but it's only a few months, and it might take over a year to see if we can introduce our Australian friends.

• Thank you for your information.

• GNDQ.AX

• Yes, but only for a few months, it might wait over a year to see if Australian friends are introduced.

• It's up to you. I don't think it's a problem. It takes time to function like QLD.

• So it doesn't look bad, but it's good, or it's not like QLD's timing.

If the market is dangerous at higher points, the cash level is higher. The market is at a low point, the cash is at a very low level, and it's a low volume.

• When a retiree, we start with a 4-3-3. Even though the market is at its highest, the cash is far greater than debt.

• After the security asset allocation, it automatically steers in extreme conditions (as in 2000-2009). Cash is lower than debt, and the market is nearing the bottom, unlike the market at first, where it is high.

• When we started setting it up, we assumed it was the highest market, so it took more than twice as much cash. Higher risk and higher cash. Low-risk cash is low. That's the purpose of the door.

• When the market begins to operate on its own, the market drops into a situation at the end of 2009, which is normal. Markets are safer at lower levels, cash is low and near or slightly lower is safe.

• If the market is dangerous at higher points, the cash level is higher. The market is at a low point, and the low level of cash is very good and represents a low level of delivery.

• So, we have a smart and balanced system, with high market levels of gold, market locations, low levels of gold, the best asset allocation and balance.

Thank you for sharing this.

• The predictions are not necessarily about making money, knowing that there's still a way to go, that short-line operators are always pessimists, and that any move can be justified, but they forget to go back to the market and end up killing.

• People should be invested in the US for a long time. The United States is stronger not because of force, but because the system makes the United States stronger in every way.

• Short-line in and out of the country caused losses. In 2023, the bulk traders in Japan lost more than 100 billion people (including transaction fees and taxes) and an average of 240,000 people in the region.

• We don't know anything about the market and the international situation, and we don't know what's gonna happen, and we don't know what's gonna happen.

Each person is in a different situation, and if the Roth fund is much smaller than the TQQQ in order to balance the transferal IRA with a reduction in the amount of cash and not to the detriment of the return of the entire account, it can only invest in TQQQ

• You've got $1 million, just $300,000. You're trying to slow down the growth of a technical IRA account.

• If Roth $30 is put in QLD, then the technical IRA will only have $30 in money market funds, $700,000 in QQQ.

• If Roth $30 is placed in TQQQ, then the technical IRA will be able to put $60, $0.3 million in QQQ. This reduces the growth rate of the technical IRA. It's a tax policy.

Labor is the least secure thing in the world

• Thank you for sharing your messages.

• The world's most insecure is labor.

• The second is real estate.

• It's an indestructible cage for labor and real estate.

• All age workers need to be prepared, especially AI, who can lose jobs at any time.

• When electricity is fully available, the most advanced technology workers will lose their jobs. In the future, there will be only droid AI and capitalists and very few people who control AI droids, with no labour at all.

"The financial authorities and the famous financial industry show that the growth rate in the next few years is only 3-5%.

"It’s not true that those who say this are ignorant.

• They are all monsters, and they think they are gods. It's also people who mistook demons for gods.

• This is why investment performance has been so confusing. It's a conspiracy of capitalism, the financial industry is an accomplice, and the net is a runaway.

• Don't listen to the demons outside. If you listen to the demons outside, don't come to me. Don't ask me about the monster. I don't answer the monster without any reason. We don't dance with the ignorant.

499. Cash, QQQ and QLD: 3 Steps to Best Asset Allocation;) 18 January 2025

CLEC Investment School 00451 " Year 2024 ": 100 million dollars worth of investment life lecture on December 29, 2023, CLEC Investment Channel-https://youtu.be/4FMjmyBpTzw

It is wonderful and joyful when the market rises every day

The pinned YouTube comment provides presentation downloads and related information

• Or e-mail me.

• [email protected]

• [email protected]