00533 Staying Alive Matters More Than Returns: Set the Cash Ratio First, Then Choose Beta, and Investing Becomes Stable. September 27, 2025

Related Materials

• Previous presentation: 00532 Retirement Cash Flow Choices: Home Equity for Retirement and Investment DNA That Can Survive Harsh Markets. September 20, 2025
• Next presentation: 00534 Retirement Asset Allocation and Withdrawal Rates: Staying Alive Matters More Than Returns. October 4, 2025

Document Text

The market only rises over the long run

Clubhouse casual investing chat, CLEC YouTube, September 27, 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

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Blind investing without learning is dangerous

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• About: introduction to the CLEC investment channel.

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In short, it's a different situation for everyone.

However, there are still different situations in which people have different portfolios, but the ratio of cash is important.

When you're in cash, beta will be in a section where you'll need a lot of people beta to lower.

With 30% cash, the highest-beta allocation is 433 with beta 1.0 and up to a 2% withdrawal rate. The lowest-beta allocation is 70/30 (703), with up to a 3% withdrawal rate.

With 40% cash, the highest-beta allocation is 334 with beta 0.9 and up to a 3% withdrawal rate. The lowest-beta allocation is 60/40 (604), with beta 0.6 and up to a 4% withdrawal rate.

With 50% cash, the highest-beta allocation is 325 with beta 0.7 and up to a 4% withdrawal rate. The lowest-beta allocation is 50/50 (505), with beta 0.5 and up to a 5% withdrawal rate.

For retirees without income, 15 years of annual expenses in cash is a safe cash level.

• But the difficulty of allocating 15 years of cash in the first place is relative and not absolutely necessary.

• It takes more than 15 years for the cash to start counting from the high market to double investment.

• The compromise is based on the allocation of assets in the previous page, and the fact that when the market rises, you can rebalance the cash to 15 years’ worth of spending.

• Instead of rebalancing in the declining years of asset allocation with 15 years of cash, the consumption of cash is a risk.

• The most important thing about long-term investment is living, not the rate of return.

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

• We don't know any group of members and their purpose, and we're vulnerable to being infiltrated by people with a heart.

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: consider 513100 / 513300 / 160213 / 159941 / 161130 / 159660.

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

Canadian investors: consider converting to USD to buy QQQ directly, or use QQC.TO / ETF (HXQ.TO) in CAD.

Australian investors: consider NDQ.

U.K. investors: consider iShares VII Public Limited Company - iShares Nasdaq 100 UCITS ETF (CNDX.L) in USD. In Europe, consider EQQQ and the S&P 500 index fund CSPX.L.

Brazil: the recently launched Nasdaq index fund is NASD11.

Japanese investors: consider 2568 / 1545 / 2631.

Malaysia and Singapore citizens: 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

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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.

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

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

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

In Hong Kong: China AMC Nasdaq 100 ETF HKD 3086; China AMC Nasdaq 100 ETF USD 9086; iShares Ansustak 100 ETF 2834 (Hong Kong dollar)/9834

Watch Investment Translator on YouTube

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00615A short, for example, it's not the same for everyone.

• Different people still have different asset allocations, but the ratio of cash is important.

• How much money needs to be raised from the capital to determine the cash ratio, and when the cash ratio is fixed, it's certain that Beta will be in one section, and you'll need a lot more people to beta.

• Thirty percent of the cash is allocated, the highest beta is 433 Beta 1.0, the highest is 2% of the asset, and the lowest beta is 70 30 (703) Beta 1.0, the highest is 3% of the asset.

• The top 40% of the cash allocation is 334 Beta 0.9, up to 3% of the asset, and the lowest is 60 40 (604) Beta 0.6, up to 4% of the asset.

• The top 50% of the cash allocation is 325 Beta 0.7, up to 4%, and the lowest is 5050 (505) Beta 0.5, up to 5%.

For retirees without income, 15 years of annual expenses in cash is a safe cash level.

• But the difficulty of allocating 15 years of cash in the first place is relative and not absolutely necessary.

• It takes more than 15 years for the cash to start counting from the high market to double investment.

• The compromise is based on the allocation of assets in the previous page, and the fact that when the market rises, you can rebalance the cash to 15 years’ worth of spending.

• Instead of rebalancing in the declining years of asset allocation with 15 years of cash, the consumption of cash is a risk.

• The most important thing about long-term investment is living, not the rate of return.

It is not their fault that the bank's managers and insurance agents have their own faults, that is their way of survival, and that they feed their families, but we need to be clear about their real purpose and conflict with client interests.

The bank's expertise is like artificial intelligence, and they're not smarter than their clients, and you don't understand it, and he pretends to sell you bad property.

If you fully understand, it's impossible to sell an untimely product. It's just a service. We're using the services of the financial industry, not working for them. It's the bank's expertise, insurance, not smarter than his clients.

So if you're old, like, 7 or 80 years old and 30 years old, you should spend more than 2%. Changing the configuration can cost 5% or more.

If the annual pay is 15%, and your annual expenses are 2%, it will grow by 13%, and in 30 years it will add 40 times.

So if you're old, like, 7 or 80 years old and 30 years old, you should spend more than 2%. Changing the configuration can cost 5% or more.

Older friends should spend a little more on their assets, but stock appreciation is not the greatest purpose, so they can allocate assets to 505,406 or 415,316 so that they can spend 5-6% of their assets a year.

In October 2022, QQQ $260. Now, September 2025, QQQ, $590.

• The market was very scared, so when people were very scared, it was an excellent buy.

• We should all learn to fear that we must be greedy to invest in the Holy Grail.

Our channel is dedicated to opening brain holes.

• Because no one has ever taught us that and no book has ever taught us the true nature of capitalism.

• It's the whole social system that enslaves people, and no one will tell us the truth about it.

• Twenty years ago, it suddenly became clear that this capitalist Truman world is a slave-labouring, neo-slavery country, so we have to learn how to finance a truly capitalist ship to change the fate of our generations and nations.

CLEC Investment Academy 00451 "2024"

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

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