00522 Everything Outside Is Noise, and Market Volatility Is a Blessing: Seeing the Essence of Investing Through Asset Allocation and Life Choices | July 12, 2025 Presentation

Related Materials

• Previous presentation: 00521 [From Short-Term Trading Losses to Index-Based Wealth: Rules for Surviving Volatile Markets] July 5, 2025
• Next presentation: 00523 People Hiding in Caves: Why Do They Always Miss Long-Term Wealth Opportunities? | July 19, 2025 Presentation

Document Text

The market only goes up over the long run

Clubhouse casual investing chat, CLEC Investment and Personal Finance Channel, July 12, 2025.

The social media environment is moving fast, and sometimes channels can be blocked or mounted without warning.

• In order to avoid any disconnection, it is recommended that we not simply track our accounts on a single platform.

Apart from YouTube, please follow our Facebook, Podcast or Clubhouse channels. In this way, if one of the platforms is restricted or shut down, you can still get updates from other platforms first.

• We'll announce new channel messages on other platforms once they're unusual, making sure you don't miss anything important.

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.

• In Taiwan, investors are recommended for NASDAQ 00662, and cash is invested in the US government's EF Fund, 00865B. TW, which is a multi-year debt bond.

• 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

@mindfulness4245.

• Actually, Mr. James, you're right. We're not the ones who can't predict the future, live well and feel the joy of life.

• I have nothing to do with social theories, finances, politics, and the rise and fall of the market. The video shows are worth noting, but after a while the issue is gone, it's better to enjoy the peace of the moment and to be with myself.

• James :

• Yeah, well, it's all noise, it'll be trash for a while.

If you ask how to buy, you are usually new here

• Single in buy-in, best in terms of expectations, but those who usually have this quality have been in the market for decades and most of their assets are already in the market.

• So it's usually new to ask how to buy.

• Beginners should not go all in as a lump sum; otherwise they may get scared out of the market and waste all prior effort.

• In principle, most of the money is going forward, and there is a lot of money going forward, and it's going to cost a third, a third of the cash, and then a third of the money is going to be bought three months a month.

• Since it is the rule, there is an exception, the exception being to know yourself and to squeeze yourself.

• No matter how you buy, the point is, don't sell, don't sell.

@jacobwong7009 The market proved that the market will always be up and down and down.

• Adhering is the key to overcoming humanity.

• Patience is a necessary psychological condition.

• It's the highest investment level.

• To reach the highest levels of investment, it is necessary to fit its asset allocation in order to be able to sustain it, to endure it, to see investment paradise.

The worst part is buying and withdrawing. It's a mistake to sell away.

• Any buy is right, any sell is wrong.

• It's not important to buy it, it's not for sale.

Cash and market volatility are accelerators for capital

• When we design electrical circuits, we need boosters and currents to raise the voltage.

• Cash flows, like currents, can use market shocks to increase the value added of our production.

It's not our business to worry about the risks of being hit by a rock.

• You're going to die. Let's just think, even if it's gone, will you regret it?

• If there is any regret, do it now, not leave it. Don't let tomorrow have regrets.

• If not, leave tomorrow and be happy.

If QQQ falls 1% a day for 45 days, then rises 1% a day for 46 days

• 519.53X (0.99)^45 x (1.01)^46=522.369 (new high)

• TQQQ dropped 45 days a day, 3% a day, then 46 days a day, 3% a day.

• 80.7x(0.97)^45x(0.03)^46=79.82 (not new high yet. I'm not sure.

If you are retired, the fund allocation may be too high

• So why can't the fund be too big because it's a long time before the market goes down and your assets recover? If you think about it, the market has been falling for three years, and the price of the fund may have gone from $100 to $23,000, and the decline in three years will not come back.

• If they were retired, the fund was too high and the risk could turn into a return to work.

• Still at work, if it's all fund-raising, one bubble, it'll never be able to retire.

• Don't be shy. To understand the risk of a fund like this, you have to consider whether you can afford it.

• The distribution of assets does not necessarily have to be funded.

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]