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

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Document Text

The market only goes up over the long run

Clubhouse, easy talk about investing in CLEC, June 7, 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!

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

I heard you mention a 10-year loan, so I checked it

• The bank has a 10-year loan plus a revolving loan program. It's worth 10 million.

• If they use more people, other banks should follow.

• Taiwan's financial services and taxation are really good for ordinary investors.

How precious peace of mind is

• So whether we invest in our lives or deal with anything, we need to reach a calm mind.

• How to deal with things that can reach a calm mind is the ultimate answer when everything is resolved or confronted with the right.

The asset allocation, if over 50% of QQQ's long-term returns, is already impressive.

• So the average retiree, if he has enough assets, pursues a return rather than stability.

• Even if it's 50% QQQ; 50% of the currency market fund, it'll pay back enough.

• Of course, a higher percentage of investment will be rewarded for a long time, but a higher percentage will be needed.

• A minimum of 30 per cent of the cash is needed to stabilize the general group of retirees.

For example, people made a lot of money last year

• @TheFionwoon • 5 hours ago (edited)

• Teacher, I suddenly thought of a problem. If a retired person holds QQQ without any pledge, he has sufficient cash to cover his living expenses and a reserve. In this situation, does he have to do anything else?

• For example, last year made a lot of money to think about selling some QQQ to increase their reserves.

• So if this is the current situation, there'll be more cash to deal with?

• My view is that if there is cash flow and reserves are sufficient, do not rebalance. Hold the QQQ you bought, refuse to sell no matter what, and earn the excess return from compounding.

• But if you look at it and think that the reserve is not enough, you can think of selling some of it when QQQ has a lot of money to make. Do you think I'm right?

Life is unpredictable; love makes life difficult

• I don't know.

• People are human, and the human stock market has become difficult.

What Beta is right for you?

• If your mind was to recover the principal, it would have been wrong at that time, and gamblers would have wanted to recover it, and any move would have been wrong and wrong. It's not possible to win back the principal on gambling.

• What's right for you, Beta?

• How much more can you get into the market if you don't have a problem with saving money?

• We've heard about how to put investment money on the market in our video 00510.

Investment, top capital allocation.

• This post is part of our special coverage Syria Protests 2011.

• Cash is at the top of the market, with mobile risks and a decade of decline.

Buy immediately when you have money

• Second, buy in bulk, not in the market, and when the time is set, buy in the market immediately, not in the market, not in the market.

Money in your pocket is money; borrowed money also counts as money

• The chickens lay their eggs in their own homes.

• Spending other people's bags, eating other people's chickens.

The best approach is to invest immediately when money is available

• Often, people want to wait for the lowest point, but instead miss the opportunity to buy and catch up, with a low number of people willing to buy at the lower end, and with a large number of people often chasing up.

• But it's hard for some people to buy it and keep falling, and if they don't, they'll kill them.

• So good medicine, not everyone can take it. It's a big side effect.

• If the disease is treatable, getting better quickly or slowly is still getting better. Measuring your own temperament and becoming rich slowly may be the most important consideration.

• It is just as important as doctors to measure whether the patient can withstand the side effects of the drug and the treatment.

00517 [Retired investors must watch; markets will fall to zero] June 7th, 2025.

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]