00514 Cash Levels and Risk Capacity: Investor Psychology, Allocation Logic, and the Humility Needed to Preserve Wealth | May 17, 2025 Presentation

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• Previous presentation: 00513 Times Are Changing: Choose the Best Index, Such as the Nasdaq 100, and an AI-Era Imagination | April 26, 2025 Presentation
• Next presentation: 00516 The Middle-Class Dilemma and Rich-Person Thinking: The Truth About Gaps in Happiness, Investing, and Institutional Design | May 31, 2025 CLEC Presentation

Document Text

The market only goes up over the long run

Clubhouse Easy Talk About Investing, CLEC Investment Channel.

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 ups and downs!

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 videos 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 can easily be 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 fully trust financial advisors, including Charles Schwab financial consultants. They can help open accounts, but we do not recommend fully accepting the ETFs or other financial products they suggest.

• Over the long run, Nasdaq 100 index funds and S&P 500 index funds have the best performance. Individual stocks, funds, and other financial products outside these categories usually do not help investment success and should be avoided.

We recommend investing 100% in a Nasdaq 100 index fund

• In the United States: buy QQQ, or QQQM if you have less capital. Cash can go into Money market SWVXX or short-term Treasury bill ETFs such as BIL, SGOV, and BOXX.

• Taiwan investors: consider Fubon NASDAQ 00662; for cash, use CTBC U.S. Government 0-1 Year Bond ETF (008645B.TW).

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

• Hong Kong investors: choose HKD 3086, USD 9086, or ETF 2834 (HKD)/9834 (USD).

• Canada investors: exchange into USD and buy QQQ directly, or use CAD products such as QQC.TO/ETF (HXQ.TO).

• Australia investors: consider buying NDQ.

• UK investors: consider the USD-denominated iShares VII Public Limited Company - iShares NASDAQ 100 UCITS ETF (CNDX.L); in Europe, consider EQQQ and the SP500 index fund CSPX.L.

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

• Japan investors: choose 2568/1545/2631.

• Malaysian and Singaporean citizens: buy U.S. QQQ through a POEMS Cash Plus trading account.

• Korea: recommended QQQ ETFs include 368590.KS/133690.KS/367380.KS.

The best investment is the Nasdaq 100 index fund

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

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

• The videos reflect the market conditions and appropriate investment decisions at that time. As time passes, some strategies may no longer apply, but they remain valuable learning resources.

• Viewers should think about each video in the context of the market at the time and cultivate their own ability to think and judge.

• Some of our early investment suggestions included certain individual stocks and ordinary funds. They were good choices at the time, but suitable investments still depend on personal risk tolerance and strategy.

Investors should always be extremely optimistic!

Investors should always face the sunshine!

The market will eventually rise!

Investing requires patience!

Wealth is worth waiting for!

Subscribe, comment, like, forward, and share. On Apple Podcast, remember to give five stars and subscribe to receive timely market updates.

The market keeps rising over the long run

00514 Cash Levels and Risk Capacity: Investor Psychology, Allocation Logic, and the Humility Needed to Preserve Wealth. May 17, 2025 presentation materials.

• Beware that someone is using our Logo and my name in the clubhouse, that my number is in private contact with everyone, and that everyone must be alert.

• I have only one account, and we have only one account (@cluechairman), and it's not possible to contact you in private with small numbers.

• I'm in contact with you through my Saturday briefing, which is the last page of a fake account and my two emails are my own email contact. If you have another email address, be careful that fraud is possible.

• I'm not going to be able to contact you on my own, except for my email response. The others like me are frauds.

• Attention, I'm not going to contact you on my own. It's even less possible to use small numbers or any other contact. It is time for everyone to raise awareness of our fraud.

The New Taiwan dollar has recently appreciated sharply by more than 10%

• The current allocation remains unchanged according to your instructions.

• It's just that 00,864B is about to convert to a significant loss of US$ 00,865.

• 30.6 million for the start of the year.

Can the 00864B position avoid switching to 00865B?

• Question 1

• Can the 00864B position avoid switching to 00865B?

• Do you want to re-introduce the seasons?

• Question 2

• Will the dollar still be worth less?

• If we continue to lose value, we'll continue at 00864B in Money market in Taiwan?

• Question 3

• We can still cut off 00864B.

• What about all of them going straight to Taiwan?

I have always forbidden everyone from borrowing a large sum to invest

• Do not worry about short-term exchange rates. Even the U.S. central bank does not know short-term exchange rates or interest rates; anyone who claims to know the dollar trend is either a fraud or ignorant. For long-term investing, ignore short-term phenomena. If you should switch from 00864B to 00865B, then switch. Do the right thing and move forward without being influenced by outside noise.

• The ones that have fallen have fallen, and investment has to know what sank costs are in order to move forward. You, if 00864B goes past 00865B, you will come back.

• Not to move from 00864B to 00662, 00864B, 008665B because of the rate of exchange (which should be common sense when entering investment). But it would not fall by more than 80% as if the 00662 stock index, if you put it all to 00662, regardless of the lack of quality, 80% of the market drop would be a bankruptcy. It's an investor. Never let it happen.

• A money market fund equal to cash may not be transferred to an investment index fund or used for other purposes.

• It is important that cash be kept very high in the market to survive.

If you have pledged borrowing, your cash in 00865B must exceed the loan amount

• If even a short-term currency market fund could not afford the rate of exchange, it should not have come in to invest in the beginning, and we have always said that if people cannot afford the market to fall, they should not have to. And it's just 10% small.

• However, the rate will eventually be an average. The currency exchange rate has been at 22 per cent for the last three decades, and the wave expectations should be half, or only 11 per cent. The interest you've earned on the dollar market fund for 10 years is about 34 percent enough to compensate for the rate of exchange.

• If the rate is very tight this time, it would be inappropriate to invest, so that people should leave the market and not invest. It should sell all of 00662, 00864B, 00865B, repay the loan and leave the market.

• Those who are worried about falling markets should not invest, and those who are going down markets are going to go to the wrong place.

The 30% cash position must exceed more than one year of living expenses

• We encourage you to invest at the top of the stakes, and we suggest that you also want at least 30 per cent of all available investment to be in cash.

• The 30% of the cash is larger than your living expenses for more than a year.

• If the 30% of the capital cash is not larger than your living expenses for more than a year, then you don't have enough money to invest.

You have to keep cash as an emergency reserve until you have more than a year of emergency funding to start investing.

• We have to invest more than 10 years, and the funds that we spend in 10 years are in cash, not in investment. No more than a decade of retirement in cash, and a big bubble goes to the top. Living is more important than profit.

• The money is in the currency market fund.

Bank of Taiwan

• I've uploaded this file to my ChatGPT so you can ask my GPSs to get the right answer.

• https://drive.google.com/file/d/10jEzp7bhqQ-tzUhst4m2vIleewMm0Sx3/view?usp=drivesdk

You may be new here, or you may not have watched our earlier content

• The US debt is long-term and short-term. 00865B is a short-term T-Bill at dollar prices.

• Interest will increase in the net. The principal of short-term debt in dollar terms is less likely to be lost, because the principal due in three months will be paid in its entirety, at a very low risk (the US government will not fall in three months). There will be no movement.

• Long-term debt is affected by interest rates, which are long-term rates and not short-term rates for central banks. Long-term interest rates are influenced by inflation expectations.

• If inflation is expected to rise in the future, long-term interest rates will rise, bonds will fall, and, conversely, inflation will be controlled, long-term interest will fall, and bonds will rise.

• So even the central bank will not know much about finance.

• The following articles are for your information.

• https://docs.google.com/file/d/1xhhUaLOr8Wknuif2hUbzFIB5sx7LxBxK/edit?usp=docslist_api&filetype=msword

The best drug to fight against yourself is the steady distribution of capital and the level of cash.

• The biggest enemy is himself.

• The best drug to fight yourself is the steady distribution of capital and the level of cash.

• Investing needs to be alive and happy before I get paid.

When investing, you must consider the damage caused by wavering as a payment for entering the market rather than a fine.

• If you are rich, you have to be modest and fear the market.

00514 Cash Levels and Risk Capacity: Investor Psychology, Allocation Logic, and the Humility Needed to Preserve Wealth. May 17, 2025 presentation materials.

CLEC Investment and Finance Education Academy 00451, "2024: The First Investment Lesson of the Year," an investment life lecture worth 100 million dollars, December 29, 2023, CLEC Investment Channel: https://youtu.be/4FMjmyBpTzw

The market rising every day is beautiful and joyful

Our pinned YouTube comment provides handout downloads and other related links.

• Or email me.

• [email protected]

• [email protected]