00529 Raise Children, Not Houses: The Truth About Reverse Mortgages and Retirement Cash Flow | August 30, 2025 Presentation

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The market only goes up over the long run

Clubhouse, easy talk about investing in CLEC Investment Channel, August 30, 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

• Watch our videos and ask specific questions, including:

• I don't know, but I'm not sure I'm going to be able to do it.

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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

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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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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

If you know the way to be rich, everyone will be very rich. Happy is the purpose of life.

• Rich is a gift, happiness is a human right.

• Health is the foundation of life, and wealth is the tool of life. Not every child is fit to study, and it is not good and happy to work.

• Everyone will be very rich and happiness is the purpose of life.

• It's supposed to be as long as they're right, they don't steal, they don't steal, they don't drive, they don't use drugs, they're a very good kid, they value a healthy child.

• A child who's unhappy, and you can't get past him every day, is it worth it?

After marriage, there are two families, my family and my parents.

• Parents, parents, homes.

• After marriage, there are two families, my home and my parents.

• Where the parents are, where the families are. So I don't suggest that I encourage children to study abroad.

• Long-term separation from long-term children is not worth living.

• Unless the child wants to leave the country, support him. The kid's leaving town on his own. Support him!

Young people who have children must have them as soon as possible.

• The fact that parents are gone, with one less family, with spouses and children, with spouses, with children and with children, is the meaning of life that creates life in the universe.

• Always exist, a link.

• Young people who are able to have children must have children as soon as possible.

When you're rich, you can have a house. But you don't have to have kids.

• So, young man,

• Don't buy a house first.

• We need to have a baby.

• I'd rather have children than houses.

• The least worth it is to buy a house and say you can't raise a child.

@nanjanglu4051 8 hours ago

• I listened to the teacher's class in July, and sold the money back to Taiwan in late July from the United States stockbrokers for two days, no matter how much the exchange rate, directly in foreign currency, because I was still working and had 442 bought it two days at a time, and now I'm focusing on my work, continuing with the teacher's course, adjusting the Beta values, studying the pledge, and thanks for the long-term investment as soon as possible.

• The teacher replied:

• It's a long-term right.

• It's right.

• Investment, regardless of the rate, does not wait.

The premise of a reverse mortgage is wanting to keep your own house and not wanting major changes in old age

• Some people retire with no cash at all, or with insufficient cash flows, and even the cost of living is problematic, but there is a house where they can grow old, so that they can consider old.

• There are also parents who have a home but who require children to provide for the living expenses of their parents to be able to spend the living expenses of their parents, and children who save their monthly contributions to their parents ' living expenses to invest in it.

• You have retirement capital, but less than 50 times the annual cost, and you can consider investing 0056 to create enough cash.

• If you consider a reverse mortgage, subtract the cash flow it provides from annual expenses. Your retirement investment assets may then be 50 times the annual expenses you truly need to cover, allowing you to use 00662 (QQQ) for asset allocation without using the lower-return 0056.

Of course, if there's enough money, and the investors are not affected by the market, they can sell the house, rent it or live in a subsistence village.

• For example, if annual expenses are 600,000 and you have only 15 million, but a reverse mortgage can provide 300,000 of annual cash flow, you only need to prepare the other 300,000 yourself. Fifty times 300,000 is 15 million, so you can use 00662 (QQQ) for asset allocation.

• Of course, if there is enough production and investors who are not affected by market movements, they can sell their housing, rent housing or live in subsistence villages.

• But I believe that if there is only one room left to retire, or if there is a serious shortage of funds, it should not be appropriate to make an active investment, but rather to keep it safe in order to keep up with the retirement cash flow that will guarantee my retirement.

• There are no standard answers.

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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