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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
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Hundred-Million Investment Life Lecture
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Presentations2025

00516 The Middle-Class Dilemma and Rich-Person Thinking: The Truth About Gaps in Happiness, Investing, and Institutional Design | May 31, 2025 CLEC Presentation

00516 The middle-class dilemma and rich-person thinking: the truth about gaps in happiness, investing, and institutional design. May 31, 2025 CLEC Investment Channel

00516 CLEC Investment Channel, 31 May 2025 cover
Number: 00516
Published: 2025-05-31
Pages: 27
Source filename: 00516【中產困境與富人思維：幸福、投資與制度設計的差距真相】2025年5月31日 CLEC投資理財頻道 簡報資料 .pptx.pdf
Original file: Open file

Related Materials

  • Previous presentation: 00514 Cash Levels and Risk Capacity: Investor Psychology, Allocation Logic, and the Humility Needed to Preserve Wealth | May 17, 2025 Presentation
  • Next presentation: 00517 A Must-Watch for Retired Investors: Even If the Market Fell to Zero, You Would Not Need to Fear | June 7, 2025 Presentation

Document Text

The market only goes up over the long run

Clubhouse, easy talk about investing in CLEC Investment Channel, May 31, 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 economy has nothing to do with me!

  • Everything has nothing to do with me!

  • Ignore market noise and ups and downs!

Disclaimer

Our videos and related content are for educational purposes only, not for profit. We don't have any discussion groups or communities, and if anyone asks you to join, be careful of scams.

For almost 20 years we have devoted ourselves to teaching, and have never benefited from it. Please don't believe in any investment proposals. Although YouTube videos may appear, they are not within our control or profit.

All of the information we have provided is for personal experience sharing and is not recommended by Certified Financial Advisor/Planner. Investment decisions should be based on personal research and should not rely solely on video content.

Investment risks are high and could lead to significant losses. If you cannot afford more than 10% loss in the short term or 20% decline in the last few years, do not invest. Please be aware that your cash flow is safe and fully understand our investment philosophy before taking action. Invest cautiously, and all decisions are your own responsibility.

My pinned YouTube comment provides handout downloads and related links

New friends, please watch the following videos from 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 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 the 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!

Subscriptions, messages, presses, forwards and shares Apple Podcast.

The market keeps rising over the long run

How did you think after 55 years of investment intelligence? One of Wall Street's most influential intellectual leaders, Howard Marks, is a well-known American investor, a combination of oak capital...

  • https://youtu.be/WR6Tc4iP2jk?si=EH8iYY8airBdZgvk
00516 The Middle-Class Dilemma and Rich-Person Thinking: The Truth About Gaps in Happiness, Investing, and Institutional Design | May 31, 2025 CLEC Presentation - figure 15-2: How 55 years of investing wisdom is developed. One of Wall Street's most influential thought leaders, Howard Marks, is a renowned American investor and co-founder of Oaktree Capital

  • What really keeps you poor is not the low wages, but the system traps! Why others get rider?

  • https://youtu.be/EjMQSxH1UaQ?si=_DMrvTyyv6uXuMM8

00516 The Middle-Class Dilemma and Rich-Person Thinking: The Truth About Gaps in Happiness, Investing, and Institutional Design | May 31, 2025 CLEC Presentation - figure 16-2: What really keeps you poor is not low wages but these "systemic traps". These 6 truths are chilling: how can ordinary people save themselves? Why the rich get richer?

The system is designed to benefit the rich.

  • Tax system: rich people earn money according to rules, poor people pay taxes according to rules. The rich have no income and the poor pay taxes on their salaries.

  • Three risks to the middle: to work, to hold shares in their own company, and to shop near the company. Your life risk is in a company. The company was laid off.

  • The rich are the ones who borrow money to become rich, and the middle ones are the ones who borrow money to become poor.

If you chase forever, you will never catch up

  • Middle-class descendants rely on exhausting competition; rich descendants rely on interests and passions.

  • Financial bubbles, low-life, bankrupt; bottom-up by rich.

Teacher, dating and getting married in China is very expensive.

  • Toto-suk. Six hours ago.

  • Teacher, dating and getting married in China is very expensive.

It's too easy to calculate the cost of love, marriage and childmaking!

  • We're rich, we use money, we can't spend our lives.

  • Not until the last day, nothing but money.

On YouTube, you see, "Young people nowadays are very self-serving and self-serving.

  • https://youtu.be/5KRdCW-eXlo?si=xh4Y2Ah9RZcj8kpb
00516 The Middle-Class Dilemma and Rich-Person Thinking: The Truth About Gaps in Happiness, Investing, and Institutional Design | May 31, 2025 CLEC Presentation - figure 21-2: Watch on YouTube: "Today's young people are calculating and self-interested — scheming, youth, ideals, struggle"

Small capital, six months of emergency funding, and the rest of it, 00662.

  • If you get invested, you buy money, you don't have to think.

Being the big tree in a family is a happy thing

  • Capitalism is a fair and equitable public, and only through a market of capitalism that can level the gap between humans and humans can it be sufficient to allow most people to share the benefits of capitalist progress.

  • Unfortunately, there are few people who know how to do this, resulting in poor and poor people who are aware of the side effects of the ideology, which is what we are trying to do to eradicate the great cause of poverty.

Investing is very simple: just ignore it

  • It's not about market, it's not about market, it's not about asset allocation.

  • Just pay a little attention every year, if you keep enough cash, you can spend it if you want, enough.

  • There's no need to care about the market. It doesn't mean anything. Life is life's purpose, eating, sleeping and talking.

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]

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

00514 Cash levels and risk capacity, investor psychology and allocation logic, and why preserving wealth requires humility and respect for the market. May 17, 2025

00517 A Must-Watch for Retired Investors: Even If the Market Fell to Zero, You Would Not Need to Fear | June 7, 2025 Presentation

00517 A must-watch for retired investors: even if the market fell to zero, you would not need to fear. June 7, 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 dangerousWe recommend investing 100% in a Nasdaq 100 index fundThe best investment is the Nasdaq 100 index fundInvestors should always be extremely optimistic!The market keeps rising over the long runThe system is designed to benefit the rich.If you chase forever, you will never catch upBeing the big tree in a family is a happy thingInvesting is very simple: just ignore itThe market rising every day is beautiful and joyful