00534 Retirement Asset Allocation and Withdrawal Rates: Staying Alive Matters More Than Returns. October 4, 2025

Related Materials

• Previous presentation: 00533 Staying Alive Matters More Than Returns: Set the Cash Ratio First, Then Choose Beta, and Investing Becomes Stable. September 27, 2025
• Next presentation: 00535 Start Personal Finance with Cash Flow: Investing Without Understanding Cash Flow Is Like Feeling an Elephant Blindfolded. October 11, 2025

Document Text

The market only rises over the long run

Clubhouse casual investing chat, CLEC YouTube, October 4, 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

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

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* This is mainly for people who have retired and have no income.

• People near retirement should do the same.

---

• Different people with different asset allocations can still use different asset profiles to draw the right proportion for their living needs, and it is important that all asset allocations decide on an annual draw rate before determining the cash ratio.

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

• The top 30 per cent of the cash asset allocation is 433 (40 per cent QQQ or 00662; 30 per cent QLD (00670L); 30 per cent of the currency market fund 00865B (SGOV; SWVXX; BOXX) beta 1.0, up to 2 per cent of the asset, and the lowest beta 70,30 is 70 per cent QQQ or 00662; 30 per cent of the currency market fund 0086B (SGOV; SWVXX; BOXX) is up to 3 per cent of the asset.

• :: 40 per cent of the allocation of cash, with the highest beta being 334 (30 per cent QQQ or 00662; 30 per cent QLD (00670L); 40 per cent of the currency market fund, 00865B (SGOV; SWVXX; BOXX) beta 0.9 per cent, up to 3 per cent of the asset, the lowest beta being 6040 asset allocation or term

(604) (60% QQQ or 00662; 40% Currency Market Fund 00865B (SGOV; SWVXX; BOXX) Asset allocation beta 0.6% is up to 4% of the capital.

• :: 50 per cent of the asset allocation in cash, with the highest beta being 325 (30 per cent QQQ or 00662; 20 per cent QLD (00670L); 50 per cent of the currency market fund, 00865B (SGOV; SWVXX; BOXX) beta 0.7, up to 4 per cent of the asset, with the lowest beta being 5050

(505) (50% QQQ or 00662; 50% Currency Market Fund 00865B (SGOV; SWVXX; BOXX) Asset allocation Beta 0.5% is up to 5% of the asset.

• • There is no income for retired persons, and the 15 years of cash is a secure cash level.

It is difficult to start with 15 years of cash, and it is not absolutely necessary.

• • The compromise is based on the previous asset allocation, and when the market rises, you can rebalance the cash to 15 years’ worth.
• • The drop in cash from the top of the market is not enough for more than 15 years, and the fall in the year should not be as balanced as possible. If the rise is not 15 years of cash, there is a risk that the fall in the year will be more balanced.
• • Only when there is more than 15 years of cash at the highest point is the decline in the balance. For example, with 18 years of spending at the top, three years of decline can be rebalanced.

• :: For long-term investing, staying alive matters more than returns.

• It's a steady practice to have 15 years of cash at the top of the market. All investment allocations are very personal, and it is important to have an in-depth understanding of the most appropriate asset allocation and strategy.

• "Exoneration statement."

• This section and the film are shared experiences, non-professional investments or tax advice, and self-determination and due diligence. Investment is risky and the market needs to be cautious.

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.

Do not fully trust financial consultants, including Charles Schwab financial consultants. They can help open accounts, but we do not recommend fully adopting the ETFs or other financial products they suggest.

Over the long run, the Nasdaq 100 index fund and S&P 500 index fund have been the best-performing 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

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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.

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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

Watch out for fraud. There's been a lot of fraud lately. There's another fake face on Facebook that uses Leung's real life information.

This is the right message for Leung.

• More than 4,000 followers are the right two faces of Leung's life.

• Leung likes to travel, exercise, read, and finance. With investment in Taiwan and US-style or American-type, ETF, fast and accumulated capital to tax on inheritance. Pink is about healthy lives, travel, investment and financial planning.

• The link is Leung's correct Facebook.

• https://www.facebook.com/profile.php?id=61573004957586&mibextid=wwXIfr

The relationship between different asset allocations and withdrawal rates

• • This is primarily for those who have retired without income.
• • People close to retirement should do the same.
• • For friends who are more than 10 years away from retirement, a little bit higher, of course.
• • Different people with different asset allocations can use different asset allocations to draw the right proportion for their living needs, and all asset allocations decide on the annual draw rate before determining the cash ratio.
• • When you're in cash, Beta will be in a section, and you'll need a lot of people to beta lower.

• The top 30 per cent of the cash asset allocation is 433 (40 per cent QQQ or 00662; 30 per cent QLD (00670L); 30 per cent of the currency market fund 00865B (SGOV; SWVXX; BOXX) beta 1.0, up to 2 per cent of the asset, and the lowest beta 70,30 is 70 per cent QQQ or 00662; 30 per cent of the currency market fund 0086B (SGOV; SWVXX; BOXX) is up to 3 per cent of the asset.

• :: 40 per cent of the allocation of cash, with the highest beta being 334 (30 per cent QQQ or 00662; 30 per cent QLD (00670L); 40 per cent of the currency market fund, 00865B (SGOV; SWVXX; BOXX) beta 0.9 per cent, up to 3 per cent of the asset, the lowest beta being 6040 asset allocation or term

(604) (60% QQQ or 00662; 40% Currency Market Fund 00865B (SGOV; SWVXX; BOXX) Asset allocation beta 0.6% is up to 4% of the capital.

• :: 50 per cent of the asset allocation in cash, with the highest beta being 325 (30 per cent QQQ or 00662; 20 per cent QLD (00670L); 50 per cent of the currency market fund, 00865B (SGOV; SWVXX; BOXX) beta 0.7, up to 4 per cent of the asset, with the lowest beta being 5050

(505) (50% QQQ or 00662; 50% Currency Market Fund 00865B (SGOV; SWVXX; BOXX) Asset allocation Beta 0.5% is up to 5% of the asset.

• • There is no income for retired persons, and the 15 years of cash is a secure cash level.

It's not absolutely necessary to start with a 15 years of cash allocation.

• The compromise is based on the previous asset allocation, and when the market rises, you can rebalance the cash to 15 years’ worth of water.

• The drop in cash from the top of the market is not enough for more than 15 years, and the drop in the year is not as balanced as possible. If the rise is not 15 years of cash, there is a risk that the fall in the year will be more balanced.

• Only when there is more than 15 years of cash at the highest point is there a fall in balance. For example, with 18 years of spending at the top, three years of decline can be rebalanced.

The most important thing about long-line investment is to live, not return.

It is a healthy practice to have 15 years of cash at the highest market. All investment allocations are very personal, and it is important to have an in-depth understanding of the most appropriate asset allocation and strategy.

Disclaimer: this content and video are experience sharing only, not professional investment or tax advice. Please make your own judgment and decisions carefully. Investing involves risk, and entering the market requires caution.

First he said he'd keep cash on the pledge, so he said he had to set up a cash fund.

• Can not get message: %s %s

• At first, it was said that the pledge was to be kept in cash, but not to reduce the rate of return, so it was necessary to set up the fund.

• Now we're suggesting to our retired friends that stability and survival is not the most important thing, so we don't have to make Beta an extreme 1.0.

• So, there's no money to make a pledge.

@ @ huiyuxiao 7291 The sustainability rate is 100%.

Unless there's 30% cash in the account.

• Case I

• A million mortgages, 100 grand at the beginning, interest, 5%, $160,000 after 10 years, 85% down in the stock market, $150,000 down to $160,000, broke down?

• Unless there's 30% cash in the account, it's okay.

• A lot of people are in stock, they don't have money, they're broke!

• Why is it that when the bubble comes, many people are broke, even though they only borrow a little money?

In the case of the two million-dollar pledge, the initial pledge was a single loan of 100,000, interest of 5 per cent, and if the loan was 2 per cent per year, 20 per cent per year, 427,000 after 10 years.

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.

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• Or e-mail me.

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