00526 QQQ Can Make You One of the World's Richest People; Investing in VT Will Only Keep You Poor | August 9, 2025 Presentation

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The market only goes up over the long run

Clubhouse casual investing chat, CLEC Investment and Personal Finance Channel, August 9, 2025.

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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

QQQ returned 25%, while SPY returned 12%

• https://youtu.be/B6wEKWt5_s0

• 0002 Chat rooms are more important than investment; how to avoid family financial problems; share your experience! August 8, 2025.

• https://youtu.be/JxBcLDpPJho

@nickyli4661.19 hours ago

• It seems that in many families the talk about money is about conflict. I think it's brave and wise to take up the idea of being the first person to be the first person to speak, the tone, the way to speak, the patience, the resistance, and so on.

• 15 hours ago

• @katetsai7891

• 15 hours ago

• I didn't even tell the other half, and I didn't tell the other half. Then he came to me because he couldn't stand it.

Yes, many people treat others better than they treat their spouse

• It's a good study. Everything should be shared with your spouse.

• You have to tell your spouse what you think and what you do.

• This is the communication between the spouses. Everything says, says what you think.

• This is the best communication. Spouses sometimes start to ignore, or get cold water.

• Ask him his views and suggestions and discuss communication. Achieving common ground. A shared burden.

The sooner you care about your parents' health, the less you think about your children.

• It's a little late for an illness.

• I'm not sure if I'm going to eat, drink, pull, sleep.

• Good food.

• Drink more water.

• Intestine.

• Sleep well.

• No worries.

Compare the performance yourself; just look at the charts

• • • NDX (QQQ) is a comparison of 100 and ^ GSPC (SPY) index 500.jpg

• QQQ 40-year annualized return: 14.12%

• SP500 40-year annualized return: 8.95%

• https://drive.google.com/file/d/1aSE3EqpplgUcvlGNgBJHn9aShOLYdCIe/view?usp=drivesdk •*

• • QQQ vTI and VT for 17 years.jpg

• QQQ 17-year annualized return: 15.8%

• SP500 17-year annualized return: 9.6%

• VT index 17-year annualized return: 5.7%

• • https://drive.google.com/file/d/1LrbFE59h9A7Se3rP5Kg4x-Qcio34WeHV/view?usp=drivesdk

QQQ, VTI, and VT 10-year performance

• QQQ 10-year annualized return: 15.8%

• SP500 10-year annualized return: 9.6%

• :: VT means annualized pay for 10 years 5.7 per cent

• https://drive.google.com/file/d/1hwxXq9Zf3qBjK8KwwhGh8JgddKiuamD3/view?usp=drivesdk

• • This difference in performance is impressive, QQQ was invested by rich people, and SPY VOO VTI VT was perceived by the poor as rich. In particular, investment in VT will be poorer.

• So, QQQ and SY VOO VTI VT, which I've been saying, unless you're already under-funded, everyone should invest in QQQ.

QQQ 40-year annualized return: 14.12%

SP500 40-year annualized return: 8.95%

SPY 25-year annualized return: 6.34%

SP500 17-year annualized return: 9.6%

VT is the 17th annualized rate 5.7%.

QQQ 10-year annualized return: 18.17%

VT Exponential 10 Yearly Pay 7.85%

@Happy-angel-66 13 minutes ago

• Teacher: If you've already bought SPY and VO in the past, you're in an investment account. If you sell it for QQQ, you'll get it. Isn't that my question?

• @Happy-angel-66 is still changing.

• Long-term capital gains tax is fixed, and loss of high returns for tax savings is not worth paying.

• Tax payments are temporary, long-term, and never affect long-term goals for short-term events.

@anilin8773

• Thank you for the teacher's sharing. Mike's story touched me deeply. When he had confidence in the future and was no longer afraid to spend money, many psychological worries could be put down. He no longer needed to lose himself; instead, he wanted to spend money in the right places, make life better, keep body and mind healthy, reduce money anxiety, and improve family relationships. These things are not taught in school or at home; they are slowly awakened through the teacher's videos. Correct financial understanding is too important, and it spreads outward bit by bit, affecting many directions and thoughts.

The most worthwhile life is not to worry about money, to be able to realize your ideals and enjoy a happy life with love.

• Teacher replied.

• Our CLEC investment education is about eradicating poverty and eliminating human anxiety about money, which serves us.

• Rich is a gift, happiness is a human right. We are human beings who live happily ever after, not a life that is anxious for money for capitalism. We're worth living.

• The most worthwhile life is not to be worried about money, to be able to realize your ideals and enjoy a happy life with love.

It wasn't until this young man had a million dollars, 30% of the cash was a year's emergency.

• All of you, at least 30 percent of the cash is allocated, and I suggest 70, 30 would be better than 80, 20, because cash is safe, secure, and Noah's Ark.

• The other people who want to match the accelerator, suggest that beta ~1.0 can be configured. I don't know how hot I can eat, starting with the lowest Beta.

• With the exception of young people, if only 200,000 yuan, 30 per cent is less than a year of emergency funding, they cannot invest. It takes a year of emergency funding to invest. Or half the investment per month, half of the emergency reserve.

• If there are only half a million yuan of young people, 300,000 dollars of emergency funding a year, only 200,000 will be invested. Cash accounts for 60 per cent of this young man.

• It was not until the young man had a million dollars and 30% of the cash was a year of emergency reserve, that he started to have a so-called asset allocation.

00526 [QQQ makes you the world's top rich man; investing in VT only makes you poor. This is August 9th, 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]