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00497 [A Basket of Fresh Fruit Is Better Than Picking Short-Term Trades From a Rotten Basket. Why You Need to Completely Update Your Investing Mindset and Take Control of Your Financial Future] January 4, 2025 CLEC Investment and Personal Finance Channel00498 [Asset Allocation and Pledge Strategies: Wealth Management on Autopilot] January 11, 2025 CLEC Investment and Personal Finance Channel00499 [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 Channel00500 January 25, 2025: The Market Only Rises Over the Long Run00501 February 8, 202500502 February 15, 202500503 February 22, 202500504 March 1, 202500506 How to Use Stock Financing to Amplify Investment Returns: Index Investing Community Exchange, March 8, 202500507 [The Most Precious Thing in Life Is Time, Not Money. The Truth of Capitalism: How Finance and Government Trap People in Labor] March 15, 202500508 [Practical Simulation 2000-2025: Robust Borrowing and Asset-Multiplication Strategies, With a Full Explanation of HSBC Hong Kong Wealth Portfolio Lending] March 22, 2025 CLEC Investment and Personal Finance Channel00509 [Do Not Let Greed and Fear Ruin Your Investing Life: Investing Is Not About Who Rushes Fastest, but Who Lasts to the End] March 29, 202500510 April 5, 2025 [Facing the Unpredictability of Short-Term Market Volatility; The Real Purpose of Investing: Stay Alive and You Can Become Wealthy]00511 [Risk and Cash Are the Real Starting Point of Investing] April 12, 202500512 [Complete Asset-Allocation Simulation Guide: Practical Exercises in Leverage, Rebalancing, and Cash Conversion] April 19, 202500513 Times Are Changing: Choose the Best Index, Such as the Nasdaq 100, and an AI-Era Imagination | April 26, 2025 Presentation00514 Cash Levels and Risk Capacity: Investor Psychology, Allocation Logic, and the Humility Needed to Preserve Wealth | May 17, 2025 Presentation00516 The Middle-Class Dilemma and Rich-Person Thinking: The Truth About Gaps in Happiness, Investing, and Institutional Design | May 31, 2025 CLEC Presentation00517 A Must-Watch for Retired Investors: Even If the Market Fell to Zero, You Would Not Need to Fear | June 7, 2025 Presentation00518 From Houses to Bonds: Asset Allocation Is the Key, Avoiding Scams, Understanding Risk, and Returning to Index Investing | June 14, 2025 Presentation00519 The Highest Level of Investing: Getting Rich Through Boredom, Staying Firm Through Risk -- From Pledging to Allocation, the Ultimate Life Lesson in Investing (June 21, 2025)00520 Stop Being Taken Advantage Of: The Truth About Investment Scams and the Right Money Mindset | June 28, 2025 Presentation00521 [From Short-Term Trading Losses to Index-Based Wealth: Rules for Surviving Volatile Markets] July 5, 202500522 Everything Outside Is Noise, and Market Volatility Is a Blessing: Seeing the Essence of Investing Through Asset Allocation and Life Choices | July 12, 2025 Presentation00523 People Hiding in Caves: Why Do They Always Miss Long-Term Wealth Opportunities? | July 19, 2025 Presentation00515 [Stock Pledging Is Discipline; Day Trading Is Gambling: If You Do Not Understand the System, the System Will Consume You] July 25, 202500524 Knowledge Is Our Revolution: Escape the Poverty Trap and Reverse Your Fate Through Your Own Effort | July 26, 2025 Presentation00525 Reverse Mortgages and Financial Mortgages: Retirement Asset Allocation in an Era of Capital Monopoly; Has Renting Become an Exploitation Trap? | August 2, 2025 Presentation00526 QQQ Can Make You One of the World's Richest People; Investing in VT Will Only Keep You Poor | August 9, 2025 Presentation00527 From 60 Million to 6 Billion? The Miracle Path of Long-Term Compounding Plus 2% Pledged Borrowing | August 16, 2025 Presentation00528 Achieving Financial Freedom Through Proper Asset Allocation and Stock Pledged Borrowing: A Long-Term Investment Strategy from 60 Million to 700 Million | August 23, 2025 Presentation00529 Raise Children, Not Houses: The Truth About Reverse Mortgages and Retirement Cash Flow | August 30, 2025 Presentation00530 Believers Stay the Course, Doubters Lose Money: Do You Still Want to Get Rich with VT? | September 6, 2025 Presentation00531 Correct Asset Allocation Is More Stable Than a House and Avoids TQQQ Wipeout Risk! September 13, 202500532 Retirement Cash Flow Choices: Home Equity for Retirement and Investment DNA That Can Survive Harsh Markets. September 20, 202500533 Staying Alive Matters More Than Returns: Set the Cash Ratio First, Then Choose Beta, and Investing Becomes Stable. September 27, 202500534 Retirement Asset Allocation and Withdrawal Rates: Staying Alive Matters More Than Returns. October 4, 202500535 Start Personal Finance with Cash Flow: Investing Without Understanding Cash Flow Is Like Feeling an Elephant Blindfolded. October 11, 202500536 People Who Use AI Get Busier; People Who Invest in QQQ Get Freer: Learning to Invest Is the Real Artificial Intelligence. October 18, 202500537 Financial Mortgage Plus Antifragile Retirement: a 15-Year Cash Safety Cushion and Smart Borrowing to Build Wealth. October 25, 202500538 Flexible Rebalancing 2.0: Keep 15 Years of Cash Intact and Upgrade Safety to Win More and Lose Less. November 1, 202500539 The Market Is Making New Highs and You Are Still Hesitating? Investing Relies on Discipline, Not Luck. November 8, 202500540 How People in Emerging Countries Can Use Nasdaq 100 to Escape the Exploitation Cycle and Change Their Fate by Becoming Owners of America. November 15, 202500541 2x Leverage Will Not Go to Zero, but It Can Fall Until You Question Your Life: Without Rebalancing, No One Can Save You. November 22, 202500542 The Key to a 2.5% Retirement Withdrawal Rate: QQQ Is Not Technology, It Is the Strongest Companies. Investing Is About the Logic of Long-Term Wealth, Not Sector Labels. November 29, 202500543 What Should You Do When the Market Is Fearful? Wealth-Building Mindsets for Market Fear and the Real Estate Cage. December 6, 202500544 The Market May Fall for Ten Years. Are You Ready? Cash, Debt, and QQQ Survival Rules. December 13, 202500545 Turning a Family from Tragedy into Comedy: Sober Investing and the Power of Companionship. December 20, 202500546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 202500505 My Investment Sharing, CLEC00506 Using Stock Financing to Borrow Against Stocks00506 Nasdaq Planet Salon, Session 10: Using Stock Financing Well
2025 Files
2026
2026 Files
Hundred-Million Investment Life Lecture
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Presentations2025

00501 February 8, 2025

00501 February 8, 2025

00501 February 8, 2025 cover
Number: 00501
Published: 2025-02-08
Pages: 23
Source filename: 00501 2025年2月8日 簡報資料 .pdf
Original file: Open file

Related Materials

  • Previous presentation: 00500 January 25, 2025
  • Next presentation: 00502 February 15, 2025

Document Text

The market only goes up over the long run

Clubhouse, easy talk about investing in CLEC.

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!

Disclaimer

Our videos and related content are for educational purposes only and are not for profit. We do not have any discussion groups or communities; if anyone invites you to join one, be alert to scams.

For more than 20 years, we have devoted ourselves to volunteer teaching and have never profited from it. Do not trust any paid investment advice. YouTube may show ads on videos, but that is outside our control and we do not profit from them.

All information we provide is personal experience sharing, not professional investment advice. Investment decisions should be based on your own research and should not rely solely on video content.

Investing is high risk and may cause significant losses. If you cannot tolerate a short-term loss of more than 10% or a decline of more than 20% over several years, do not invest. Protect your cash flow and fully understand our investment philosophy before taking action. Invest prudently; every decision is your own responsibility.

My pinned YouTube comment provides handout downloads and related links.

New friends, please watch the following videos on our channel first.

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 are not aware of the composition and purpose of any group of people and are vulnerable to infiltration by those who have a heart.

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).

Chinese investors: 513100/5133/160213/159941/16130/159660 is recommended.

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).

In Australia, 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 NASD11 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

There are a few key financial terms in the accounting code.

  • Asset:

  • You have something of value that you can buy and sell.

  • Debt:

  • You owe people what you owe.

  • Equity:

  • In stock, it's equity; the individual is the individual's net worth.

  • A constant equation

  • Equity = Asset - Responsibility

If the house goes up half a million a year, your rate of return is up.

A real estate, now worth 15 million, and you owe the bank 9 million.

If the house goes up half a million a year, your return rate:

Rate of return (ROA) = 50/1500 = 3.33%

If the stock goes up 14% a year, you get $2.1 million, and your asset returns are 14%.

  • Your stock is worth 15 million dollars, and you owe the bank 9 million dollars for your net.

  • If the stock goes up 14% a year and you get $2.1 million, your asset returns are 14%.

  • Asset return rate (ROA) = (ROI) = 210/1500 = 14%

  • Net asset returns (equity returns) (ROE)

  • = 210 /600 =35%

Because only $13 million is invested, and the return rate is 14%.

Share investment, you still have $15 million in your assets, and you borrow 900. If you don't invest 2 million cash, your investment is 13 million and your total net investment is 6 million.

  • Because only $13 million is invested, with a return rate of 14%, and $1.82 million:

  • The return rate became ROA = 182/1500 = 12.13% and ROI = 182 / 1,300 = 14%; ROE = 182/1300 = 30.3%

  • If a short-term investor has a million dollars, take 100,000 short-terms and make 30,000:

  • So, a lot of short-term investors say he's got a 30% return rate.

  • ROI investment returns 30% = 3/10

  • ROE 3% = 3 /100

  • So, we're just talking about investment performance, and it's not worth mentioning. ) Buffett says it's most important to see a return on investment.

I suggest friends watch the film. Don't invest in people who don't watch us.

  • It's not like you're going to invest in the market.

  • We need to exclude the unsuited investors before we can really help the people we can help.

  • If a man is not ready, tell him to jump in and invest, not help him, but probably kill him.

This way you can spend 3.5% of total capital per year. (5% plus 2% divided by two)

Yes, investment in 0056 is also an immediate market gain.

If you are under-funded, you can consider part 0056, part 00662, part 00864B, part 0056 with dividends per year.

The surplus of 80%,00662 and 20%,00864B can be rebalanced by 2% per year.

For example, half is 0056, assuming 5% per year and the other half is 00662 plus 00864B can be rebalanced by 2% per year.

This way you can spend 3.5% of total capital per year. (5% plus 2% divided by two)

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]

00500 January 25, 2025: The Market Only Rises Over the Long Run

00500 January 25, 2025: The Market Only Rises Over the Long Run

00502 February 15, 2025

00502 February 15, 2025

Table of Contents

Related MaterialsDocument TextThe market only goes up over the long runMarket volatility has nothing to do with me!Investing blindly without learning is dangerousCLEC has no discussion groups, and we have not authorized anyone to do anythingOur recommended investments are mainly the Nasdaq-100 index fund QQQ and corresponding local ETFs issued in each countryWe recommend investing 100% in the Nasdaq-100 index fundSince 2018, we have kept all our videos on YouTube so everyone can learn investing in chronological orderInvestors are always extremely optimistic!The market keeps rising forever; it only goes up, not downThere are a few key financial terms in the accounting code.Because only $13 million is invested, and the return rate is 14%.It is wonderful and joyful when the market rises every day