00511 [Risk and Cash Are the Real Starting Point of Investing] April 12, 2025

Related Materials

• Previous presentation: 00510 April 5, 2025 [Facing the Unpredictability of Short-Term Market Volatility; The Real Purpose of Investing: Stay Alive and You Can Become Wealthy]
• Next presentation: 00512 [Complete Asset-Allocation Simulation Guide: Practical Exercises in Leverage, Rebalancing, and Cash Conversion] April 19, 2025

Document Text

The market only goes up over the long run

Clubhouse casual investing chat, CLEC Investment and Personal Finance Channel, April 12, 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 for the SP500 index fund.

• 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

I'm still insisting that our buying strategy has nothing to do with the growth of the market.

• How much cash is left in the first place is right, and it's more important than anything, for example, a young man with a few hundred thousand in his hand, which may not even be enough for emergency reserves, which is not for investment.

• Another young man has half a million, perhaps 200,000 as emergency reserves, and the remaining 300,000 can be invested, so there is no hesitation in selling immediately, because your investment is very long. "I can buy it right away for more than 15 years."

• We're going to figure out that if a young friend in Taiwan had been at work for a few years, he would need 400,000 yuan for six months of emergency funding and 100,000 yuan for a young man on the mainland. The investment will only be made when the emergency reserve is ready, and the remaining investment will be to buy the prototype fund as soon as possible. Young people are too small to be allocated.

• How many people above the capital can talk about asset allocation?

• For example, if 400,000 yuan are emergency reserves, if 433, or 30% of the capital is in cash, then you can start matching when 30% of your assets are larger than the emergency reserve is 400,000. When the production costs almost 1.3 million yuan, you can use the 433 configuration, and you will have more than 400,000 in cash, which is 30 % more than 400,000 in the portfolio, which is equivalent to emergency reserves.

• If the distribution is 424, it's 40% more than $400,000 in cash, so that a million-dollar young man can make 424. Forty-four percent of the money is equal to 400,000.

• If we talk about high-value assets, there are 3,673,000 yuan (approximately 160 million yuan; $5 million). How do we get into the market?

• First of all, considering how much cash you're holding will be comfortable, some people think 3 million yuan will be comfortable, and another 3.373 million will go to market-indicators. But some people might think it would cost 7,000,000 yuan (US$ 1,000,000). It's only because he's comfortable.

• And what you're thinking about is how the beta investors are comfortable with asking themselves first, and you're going to find your beta after the market.

It's not about age, it's about the size of the capital, it's about market dynamics, it's about the heights. This is about your risk tolerance.

• Many people think that young people’s money is not enough to take high risks, but it is wrong, that many young people have limited understanding of the market, and that it is often young people and some investors with low investment experience who have just entered the market, who find themselves unable to afford Beta 1.0 or even beta 0.8 when the market falls.

• It's not necessarily true that a friend with a lot of money, like you, can take a higher risk. Sometimes people with a lot of money don't want to take too many risks, and he's satisfied with bita 0.5 and 7% of the annual pay, so what he needs is stability, not high returns. So people who have more assets than they need to take too many risks. But for rich people, it could be a risk to gobeta 0.52. But there are also people who can take the high risk of going up and down a few million dollars a day, perhaps not the risk. So the risk is different from one person to another.

• Speaking of which, you'll find that risk tolerance and age have nothing to do with the amount of money. It's very personal to go back to personal risk tolerance, and I can't give you a standard formula by which you can find your own risk tolerance and Beta's values.

It doesn't matter how you buy it. The money you can invest, you can buy it and not sell it.

• One of the principles I can tell you is that young people prepare emergency funding for more than six months, and the rest you can invest, as long as you have a job, but if you think you don't have enough emergency funding for six months, you can prepare emergency funding for one year, and you're comfortable. The point is to buy and hold for at least 15 years.

• When you have a lot of capital, you have to prepare 10 years of emergency reserves or 15 years of emergency reserves, that is, you'll have 10 years and 15 years, and Hawking will have enough cash to prepare 30 years of emergency funding, and the rest of you will be on the market, and it doesn't matter what you're doing with Beta. Beta is a tool, but don't be constrained by it. So not first thinking about what to do? Beta thinking about how much cash to keep? You can live, you can live comfortably.

• So it's not important to decide how much cash you want to keep in the market, which is the first thing you have to think about. Cash is definitely the first consideration in investment allocation, and then it's the part that can invest in the index, and it's more or less a prototype fund or a fund.

• It doesn't matter how you buy it, but the money you can invest, you buy it and don't sell it.

Some groups or group leaders refer to finance as a potential source of conflict of interest.

• Bank accounts are open to offshore banks, bank accounts are opened to offshore brokers, funds are entered into or out of the country — all of which are of interest to him — whether the bank is open to account, or the issuer is open to account, or the funds are entered or out, including the last loan that was shared during the course.

• It is clear that a bank card can be opened without a credit, and only the service is sure that the person has reached the contact.

• Even more so, the bulk pushes the largest kickback, the opening of the road, and the discovery of discrepancies. Moreover, the only push he pushed, even before March, was his highest kickback, his poor feedback on the communication platform, and his network members opened up through his channels to discover that charges did not match, and he did not reply. And he doesn't even use it.

• Someone went to the planet of knowledge and said that some of them didn't even listen to the CLEC, they were making money in the next step.

The owner won't answer your questions unless he's sure he's reached the contact.

• It is recommended that friends in the country be able to learn about the financial situation themselves, rather than through group presentations, that there be a conflict of interest as long as they charge for it, and that anyone should be prepared to act with an interest in it.

• The owner did not answer the questions unless it was established that the person had reached the contact person and that he could make the offer.

• When there is a collection, there is a reasonable suspicion of conflict of interest. The only way to avoid it is to increase their own financial knowledge and deal with the need to deal with referrals from others, especially from fee groups.

• Personally, I don't like fees and commissions in the financial sector very much, and as long as they are paid and refunded, they are neither neutral nor trustworthy. This is the least credible part of the financial industry.

• All groups have nothing to do with us, even if we've mentioned them before, and we don't make any promises or promises. All we can do is make the information public, and finally, it's a self-judgment and self-responsibility.

Don't use emergency reserves. We can make less money, but we have to live.

• But we don't know if there will be any other black geese tomorrow, and disasters and accidents will never arrive before tomorrow. We need to be able to see that tomorrow's sun is more important than profit.

• Your asset allocation is 442 is already positive, so just keep the emergency fund comfortable. You're still young, and if you really fall a lot in the market by the end of the year, you're going to invest a small fraction of the emergency funds. It might be more appropriate to re-enter the market with 10% of the emergency reserve (two % of the capital) if it is allocated.

• If by the end of the year the market would have gone up, then your concerns would have gone up, assuming that the situation at the end of the year had come to mind today, in the sense of no loss, would you have put emergency funds back on the market?

• So everything is going to be smooth, so don't take the risk of dealing with emergencies. We have to take a long look, at least by the end of the year. And don't take the chance to react to the market.

@Doctorbuystock 11 hours ago

• Yes, sir, there's a risk in a stock, there's no firm that's ever shut down, but it means that there's always a bunch of people who can update us, get rid of poor companies, don't need us to do it, always exist, the risk is lower than the stock, and it's a lot easier to buy, and the stock will be kicked out like the INTEL.

• If you're looking for a high return, buy another fund like QLD, set it up according to teacher Beta1.1-1.2 and pull it up, so it's a low risk and a high gain!

The financier is a scholar. And we've never been taught since we were kids, so it's hard for people to take a shortcut to make short-term price differentials.

• You're so good.

• The financier is a scholar. And we haven't been taught since we were kids, so people feel hard and want to take a shortcut and make short-term price differentials.

• I don't know.

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]