00531 Correct Asset Allocation Is More Stable Than a House and Avoids TQQQ Wipeout Risk! September 13, 2025

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Document Text

The market only rises over the long run

Clubhouse casual investing chat, CLEC YouTube, September 13, 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!

• None of it has anything to do with me!

• Ignore market noise and volatility!

New friends, please watch the video below

My pinned YouTube comment provides handout downloads and related links

Blind investing without learning is dangerous

• We'll watch our film and ask specific questions, including:

• The video numbering and the timing of the problem.

• The most effective way to learn is to ask questions after watching the video.

Regions: content is grouped by the U.S., Taiwan, China, and more

• https://filedn.com/lkVzkKM9Ep4uX0mqz8WR9Tm/clec-faq/

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• Home page: Go back to home page.

• Region: The content is divided into US, Taiwan, China...

• Topics: The content is divided by themes such as asset allocation, collateral, loans, taxes, etc.

• Q&A: use NotebookLM for interactive questions and answers.

• About: introduction to the CLEC investment channel.

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• • "CLEC Easy Talk Investment" NotebookLM is online (to google account) and thanks for taking advantage of the system.
• • https://notebooklm.google.com/notebook/736acf71-c8bf-4b46-992b-4badda3838f0

ChatGPT: CLEC James Investment Channel

• https://chatgpt.com/g/g-Q8Y2TmEcq-clec-james-investment-channel

CLEC has no discussion groups, and we have not authorized anyone to act on our behalf.

We cannot know the members or purpose of any group, and bad actors can easily infiltrate them.

The investments we recommend are mainly the Nasdaq 100 index fund QQQ and the 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.

• In the long run, the Nasdaq 100 and S& funds are the best investments. Other individual stocks, funds, and financial products are usually less helpful for successful investing and should be avoided.

We recommend investing 100% in the Nasdaq 100 index fund

• In the United States: buy QQQ, or QQQM if capital is limited. Cash can go into Money Market SWVXX or short-term Treasury ETFs such as BIL, SGOV, and BOXX.

• Taiwan investors: consider Fubon NASDAQ 00662. For cash, consider CTBC U.S. Government 0-1 Year Bond ETF (00865B.TW).

• Chinese investors: It is proposed to invest 513100/5133/160213/159941/16130/159660.

• Hong Kong investors: consider HKD 3086, USD 9086, ETF 2834 (HKD) / 9834 (USD).

• Canadian investors: QQQ in US dollars, or QQC. TO/ETF (HXQ. TO).

• Australian investors: recommend NDQ purchases.

• UK investors: IShares VII Public Limited Company - iShares Nasdaq 100 UCITS ETF (CNDX.L) is recommended for US dollars; Europe recommends EQQQ, SP500.

• Brazil: The recently launched NASD 11 is the NASD11.

• Japanese investors: consider 2568 / 1545 / 2631.

• Malaysians and Singaporeans: QQQ can be bought through a POEMS Cash Plus trading account.

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

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

• https://docs.google.com/file/d/1RMnRsR82hQGj9T7dTZqs5A9q_p4lmbwa/edit?usp=docslist_api&amp;filetype=msword

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

• The video reflects the market situation and the right investment decisions, but with time, some strategies may no longer be appropriate, and these are valuable learning resources.

• The viewers should be able to think about the content of the film in conjunction with the market and develop their own thinking and judgement skills.

• Some of our early investment proposals included certain shares and general funds, which were good investment options at the time, but the right ones also needed to consider individual risk tolerance and investment strategies.

The current social media environment changes quickly, and channels may be blocked or removed without warning.

To avoid losing contact, please do not follow us on only one platform.

In addition to YouTube, please follow our Facebook, Podcast or Clubhouse channel. If one platform is restricted or shut down, you can still get the latest updates through other platforms.

If a channel has problems, we will announce new channel information on other platforms so you do not miss important updates.

Investors stay extremely optimistic!

Investors always face the sun!

The market will eventually rise!

Investment needs patience!

Wealth is worth waiting for!

Subscribe, comment, like, and share. Remember to give Apple Podcast five stars so you can receive market updates.

The market keeps rising over time

• Charles Schwab contacted me, and their current software can really capture the cash flow that actually went from PAL to equity investment accounts to buy shares, and make sure it's going to stock.

• The difference between your own salary or social security income or passing cash flows (from PAL checking account to brookage checking account and from brookage account) or from PALchecing account to buy shares!

• So let's be careful not to be too careless to break PAL's rules, and it's pretty serious to be taken out of stock.

All our thinking here is investment.

• If not in terms of the return rate of investment, it's not within our purview?

• The house is not the best investment. You have to have a home. It's good to buy a house.

• It's just that the house is not a good asset, it's a very risky asset, and it's very clear.

• You've got a mortgage for three or 40 years, you don't have to lose your job, or your house is gone. Middle-aged crisis. The mortgage is not over.

• The earthquake, the fire, the fires in L. A., Southern California, burned the dreams. What if the Taiwan earthquake hit those people?

• If you have the ability to buy two rooms, you can buy the first one, and if one is burned or an earthquake falls, you can laugh and buy another one, so the house is not a risky asset for you, like a slippers.

If you really need a home, a room.

• Money first.

• If you really need a home, a room.

• Money! Empty gloves, white wolves, and don't spend a penny of their own.

It's probably a good return, but it's probably not there for 100 years.

What kind of asset can be considered as real estate, and it's not bad for a hundred years, but it's gonna be bad for a hundred years. It's a previous asset.

It's probably a good return, but it's probably not there for 100 years.

The only investment that can be considered as non-real property can be good for 100 years.

The longer, the better, and the more stable, the longer it lasts forever.

Down, 99.9675%, almost down!

"WATCH" "800 times the long-term holding strategy of TQQQ Jason Model Laboratory" on YouTube https://youtu.be/ts-TbqEVxEE?si=8UX-NiJWohjmfPKE-TbqEVXE?si=8UX-NiJWohjmfPKE

Down, 99.9675%, almost down!

First, to avoid a 99.99% drop in TQQ from the top, so that the investment will be as empty as a basket.

• Smart and balanced.

• First, to avoid a 99.99 per cent drop in TQQ from the top, and to keep investment as empty as bamboo baskets.

• Two, to avoid a 99.99% drop in TQQ from the top, when you can't afford to buy.

• If not necessary, do not hold TQQQ. QLD is relative security!

• But it doesn't matter if you lose TQQQ. If you don't, you'll have to be smart and balanced every year. But you'll get zero in a year.

I'm not suggesting 433. I'm asking myself.

• So normally when I don’t know much about a person’s investment, I don’t recommend directly that funds be allocated, and I would recommend 70 30.

• I'm not suggesting, I'm asking myself.

• I'm giving you an asset allocation that everyone can make, but I've never written about his risk tolerance and whether I know more about the fund, so I don't recommend a fund allocation. Even I would give a choice of advice that has no funds at all.

• I usually recommend 70,30 (70% QQQ/00662; 30%; money market/ 00,865B) asset allocation. This guy should be enough.

You really know less about capitalism. You really know more about investment. Less

• Most of the market is a monster who doesn't know about himself.

• Even financial analysts and practitioners are largely ignorant.

CLEC Investment Academy 00451 "2024": The first investment lesson, an investment life lecture worth NT$100 million, December 29, 2023, CLEC Investment Channel: https://youtu.be/4FMjmyBpTzw

The market rises every day. That is wonderful and joyful.

Our pinned YouTube comment provides handout downloads and related links

• Or e-mail me.

• [email protected]

• [email protected]