00528 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 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 23, 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 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

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00528 Correct asset allocation with stock holding, financial freedom: long-term investment strategy from $60 to $700 million August 23rd, 2025.

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• 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.

• Not all financial experts, including Charles Schwab financial consultants. They can assist in the opening of the account, but they do not recommend that the ETF or other financial items proposed by them be fully taken into account.

• 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.

• Malaysians and Singaporeans: QQQ can be bought through a poems cas h plus trading account.

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

The best investment is the Nasdaq 100 index fund

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

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• 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.

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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!

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The market keeps rising over the long run

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If a young man's assets at work are not three times the annual cost, he'll start with an emergency fund for a year.

A young man with an emergency budget of $100,000 a year, he now has $160,000, and the $100,000 is in cash and 60,000 can invest.

If he had half a million, that 30 percent would be $150,000 over 100,000, so that would be at least 30 percent cash.

Mr. James, this is just about a 35-year-old Taiwan friend with $60 million in capital.

• A student asks:

• Mr. James, this is just about a 35-year-old Taiwan friend who owns 60 million dollars in capital.

• If you retire now, use the 433 asset allocation, with a 2% pledge per year. Are these 2% of the cost of living calculated on the basis of total capital or only 40% of QQQ? For example, of the $60 million, the QQQ represents $24 million. If 1.2 million is spent annually, 5% of the QQQ is pledged?

• If this lasts 30 years, QQQ's annualized pay rate is calculated at 12%, and eventually total assets will be 719 million. Do you still have a 2% limit on the total asset?

CLEC James.

• The pledge calculation is based on 2 per cent of total assets, not on the 40 per cent portion of QQQ alone.

• So two percent of the $60 million, that's 1.2 million a year, 100,000 a month, is drawn from the safety of the entire asset, at a very low risk.

40% QQQ index funds (24 million)

• Year 0: Initial asset allocation

• Use a 433 allocation. It does not have to be 433; originally 433 simply had Beta 1.0 and felt slightly better. As long as cash is above 30%, the leveraged fund position does not exceed cash or the prototype fund QQQ, and Beta does not exceed 1.0, allocations such as 424, 514, or 523 can also work.

• 40% QQQ index funds (24 million)

• 30 per cent QLD twice as much as zirconium (18 million)

• 30 per cent short-term bonds or cash assets such as currency market funds (e.g. 00865B, SGOV, BOXX, SWVXX) (18 million)

• Borrow 2% of the 60 million each year through stock pledged borrowing: 1.2 million per year for living expenses, without selling assets or destroying principal.

Year 10: about 200 million in assets and 14 million in debt

• Annual spending remains 1.2 million, or 100,000 per month. Over 10 years, total spending is about 12 million; including interest and re-pledging, total debt is about 14 million.

• At this point, assets have grown from 60 million to 200 million, and pledged debt is only about 7% of total assets, which is extremely safe.

• The "rebalancing strategy" proposed by the teacher:

• In the first place, the amount of 28 million dollars owed is twice as high (about 14 per cent).

• The remaining $172 million in assets has been reconfigured to 433.

• You can also skip the above adjustment because rebalancing is done every year and cash should already be high. As long as cash is above 28 million, or twice the pledged loan balance, it is acceptable. U.S. friends are better off having Roth accounts to make asset adjustments.

• In other words, re-engineer a larger and less risky group of 433, with 200 million dollars a year, or 4 million a year, for the next decade.

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

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