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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
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Hundred-Million Investment Life Lecture
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Presentations2025

00502 February 15, 2025

00502 February 15, 2025

00502 February 15, 2025 cover
Number: 00502
Published: 2025-02-15
Pages: 28
Source filename: 00502 2025年2月15日 簡報資料 .pdf
Original file: Open file

Related Materials

  • Previous presentation: 00501 February 8, 2025
  • Next presentation: 00503 February 22, 2025

Document Text

The market only goes up over the long run

Clubhouse, easy talk about investing in CLEC, February 15, 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!

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 advice from a Certified Financial Advisor/Planner. 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 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).

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 have kept all the videos on YouTube for investment in time.

The video reflects the circumstances of the market and the right investment decisions at the time, but over time certain strategies may no longer be appropriate, which are valuable sources of learning.

The viewers should think about the content of the film and develop their thinking and judgement skills in the marketplace.

Our early proposals for investment included certain shares and general funds, which were good investment choices 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

00502 February 15, 2025 - figure 15-1: The market keeps rising forever; it only goes up, not down 00502 February 15, 2025 - figure 15-2: The market keeps rising forever; it only goes up, not down

CHATGPT, please, will issue a card every day on the stock market, possibly $45 or $30. Two hundred days later, please.

00502 February 15, 2025 - figure 16-1: CHATGPT, please, will issue a card every day on the stock market, possibly $45 or $30. Two hundred days later, please.

All loans should be able to be paid from salary or stable cash flows.

If you can't repay your salary, you borrow it, or if you're retired and you have a mortgage or a debt to pay, you have to make a good asset allocation.

If you borrow $10 million, it's 2.78 % interest, no repayment for 20 years or only $278,000 a year.

Now 0056 dividends a year and another 9%, you conservatively estimate 6%, and you'll need about 4.5 million of the 0056 dividends of $2.78 million divided by 6% to pay $2.78 million in interest on finance loans. The remaining 5.5 million will be added to your equity allocation of 433 or 442.

  • Capitalism, coupled with financial fraud and deception, and the misguided policies of the government, are the demons around our environment.

  • Capitalism itself is a fair and fair public system, where everyone can be rich, if you know it, and capitalism makes "rich and gifted."

  • Such a system would allow the financial industry and the demons to defraud themselves in the name of money and use the weakness of human nature to take advantage of the wealth of ordinary people. Finance is fraud.

  • The fraud in the financial sector and the enslavement of the government are a form of capitalism that must be understood, understood, and avoided from being deceived and from being enslaved.

First of all, thank you for raising my financial resources so that I can be more determined on the path to wealth.

Hello, Mr. James.

First of all, thank you for raising my financial resources so that I can move more firmly on the path to wealth.

Do you mean all kinds of risk? In the past few years, there has been a great deal of debate about the future of the country.

I'm 40 years old, I'm a public teacher, I'm in the middle of the capital, I've got two kids in the middle of the country, and do I have to take insurance risks to prepare myself for an accident?

In the event of an illness or an accident, does the hospital charge suddenly come from "cash" 00864b?

Thank you again. Peace be upon you!

James: You don't need insurance!

  • You shouldn't be too risky in a public service environment. If you weren't riding a bike, you wouldn't need an accident. Other life and medical risks are unnecessary.

  • Your child is still young, and if you want to keep it, you'll have a life. A year is due. Until there are enough adults or assets.

  • You need to be careful not to buy the insurance you don't need, just buy the insurance, or you'll be caught again by a ghost.

  • You should adjust to 4:42.

  • 40%00662

  • 40% 00670L

  • 20% 00864B

  • 20% of 00864B is your emergency reserve. With medical treatment or major expenses, it is paid from 00864B. Do smart rebalancing once a year.

Some people don't have enough money to think they can retire. Some people do.

It's easy to understand the amount of money you can spend.

It's intelligence to know that you spend your whole life using your assets.

In the market, you absolutely have to overcome human nature

  • If you're still human, you can't win the market.

  • You can survive the market only if you're not human and can watch the market.

  • If it is not possible to have a long vision and vision, it is necessary to move forward. It's hard on the platform.

Think about buying a house only after you become wealthy!

  • The house is a fixed asset. You can pick it slowly. After 60 years, the house is a hundred times better choice than it is now.

  • Do you think it's time to live in the house 60 years ago?

  • Why buy an uninhabitable or uninhabitable house in the future? You can always live in the right house!

  • Of course you know how to become rich. When you have billions, it's as easy to buy hundreds of millions of houses as slippers.

  • @Jing34271

  • Happy New Year, teacher! I wish you every success in your health.

Do not try to time the market; there is no highest point, only higher points

What's a low price? A day or a year?

You might wait until QQQ $2500 or more before you see a year of decline. You'll wait till you get old.

If you're our student and you've learned well, and you're not going to ask a question like that, it's the biggest mistake to hesitate to invest.

Do the convert to Roth and sell the stock directly to the stock.

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]

00501 February 8, 2025

00501 February 8, 2025

00503 February 22, 2025

00503 February 22, 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 downAll loans should be able to be paid from salary or stable cash flows.James: You don't need insurance!In the market, you absolutely have to overcome human natureThink about buying a house only after you become wealthy!Do not try to time the market; there is no highest point, only higher pointsIt is wonderful and joyful when the market rises every day