00536 People Who Use AI Get Busier; People Who Invest in QQQ Get Freer: Learning to Invest Is the Real Artificial Intelligence. October 18, 2025

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Document Text

The market only rises over the long run

Clubhouse casual investing chat, CLEC YouTube, October 17, 2025.

Market volatility has nothing to do with me!

The international situation has nothing to do with me!

I have nothing to do with market analysis!

The financial report is none of my business!

The economy has nothing to do with me! Peace of mind.

Market volatility has nothing 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

We'll watch our film and ask specific questions.

Blind investing without learning is dangerous.

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

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

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.

-Info-Sharing Network https://filedn.com/lkVzkKM9Ep4uX0mqz8WR9Tm/cf/

• • "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

Watch Investment Translator on YouTube

• https://youtube.com/@fyinvesttalk?si=1abr4RR_iq5CXqYi

Watch on YouTube

• https://youtube.com/@cheng-feng?si=_Nu_t8g6BymmPfdm

Watch "Brez' Investment Notes"

3. Spotify

• RSS platform: https://rss.com/podcasts/clec/

• 3. Spotify:

https://open.spotify.com/show/1VifJmIvrGojkgNe2D43ut?si=d76b4cad97be469c

• 4. Amazon Music:

https://music.amazon.com/podcasts/b8d0975e-353a-4d41-b78a-907195c75ea3/clec%E6%8A%95%E8%B3%87%E7%90%86%E8%B2%A1%E9%A0%BB%E9%81%93

Watch "Wealth Whispers" on YouTube

• https://youtube.com/@getqqq168?si=4f87hl0xQ2R-E-se

Apple Podcast

https://podcasts.apple.com/tw/podcast/clec-%E6%8A%95%E8%B3%87%E7%90%86%E8%B2%A1%E9%A0%BB%E9%81%93-%E8%BC%95%E9%AC%86%E8%81%8A%E6%8A%95%E8%B3%87/id1559767732?l=en-GB Spotify:

https://open.spotify.com/show/7fxtjZwTEYrtIpHMNXqXgJGoogle Podcast:

https://podcasts.google.com/feed/aHR0cHM6Ly9hbmNob3IuZm0vcy81MmRiOGUzNC9wb2RjYXN0L3Jzcw

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 a friend who is 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 out of cash, Beta will be in a section, you'll need a lot more beta to lower.

• 30% of the cash asset allocation is 433 (40% QQQ or 00662; 30% QLD (00670L); 30% of the currency market fund 00865B (SGOV; SWVXX; BOXX) beta 1.0, up to 2% of the asset, and the lowest beta 7030 is 70% QQQ or 00662; 30% of the currency market fund 0086B (SGOV; SWVXX; BOXX) 0.7% of the asset.

• :: 40 per cent of the allocation of cash, the highest beta is 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, up to 3 per cent of the asset, the lowest beta is 6040 of the asset allocation or called (604 per cent of the asset) (60 per cent QQQ or 00662); 40 per cent of the currency market fund, 00865B (SGOV; SWVXX; BOXX) is the top 4 per cent of the asset allocation.

• :: 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, with a maximum of 4 per cent of the asset, with the lowest beta being 5050 of the asset allocation or called (505) (50 per cent QQQ or 00662); 50 per cent of the currency market fund, 00865B (SGOV; SWVXX; BOXX) with a maximum of 5 per cent 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

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

Since 2018, we have kept all the videos on YouTube for investment in time.

The video reflects the circumstances of the market and the right investment decisions at the time, but over time certain strategies may no longer be appropriate, which are valuable sources of learning.

The viewers should think about the content of the film and develop their thinking and judgement skills in the marketplace.

Our early proposals for investment included certain shares and general funds, which were good investment choices 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.

• In order to avoid any disconnection, it is recommended that we not simply track our accounts on a single platform.

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

Watch "Wealth Whispers" on YouTube

• https://youtube.com/@getqqq168?si=4f87hl0xQ2R-E-se

People today are more busy with instant messages than we used to have emails.

• Artificial intelligence, which has made many of our humans incapable of doing, unable to do, can now do, easy, not necessarily become more lax, but possibly more busy.

• When we first started without a network, we got a couple of problems in the morning, and then we had to send a fax out of the country before work, and then I got off work, and then there was an e-mail on the Internet, and we got emails all day, and emails came in late at night. That's the high-tech stuff.

• People are more busy now because they have instant messages than we used to have emails.

• Now there's artificial intelligence that doesn't have to do things that can't be done, and now it's easy to do things that I couldn't have done on my own, and now there's more artificial intelligence that can do a few short films a day, and now there's more powerful artificial intelligence that can make a little bit more of a simple film in Chinese.

• Technology is getting better, artificial intelligence is getting better, at least I'm getting more busy. So if you know how to use artificial intelligence, you'll be more busy.

In capitalism, making money easy is investing in capital funds.

I believe that the United States believes in the rapid development of technology over time.

The investment in the US-Nustak 100 Index Fund will pay us a great deal of money, which is also the best place for capitalism.

Seven levels of investment.

• Hear, know, understand, believe, execute, believe, endure, believe.

• Seven levels of wealth:

• One, you need to know how to invest and add another 10 billion to your assets.

• Two: invest in investment and add another 10 billion to your assets.

• Three, Han Sin soldiers, add 10 billion more to your assets.

• Four, stock pledges, adding another 10 billion to your assets.

• I'll give you an extra 10 billion dollars.

• Six, a lifetime tax savings, adding another 10 billion to your assets.

• 7. Live a long life and add another 10 billion to your assets.

• There was an increase of 7 billion, 128 (two hundred and seventy) and 1280 billion (tens of millions of lives). (1.28 Trillions)

Seven levels of investment.

• The market is easy to make money when it is bought and sold.

• II. The years of buying and selling have not generated any money at all and have suffered losses.

• iii. Start research into financials and industries, and the short-run gains and losses have increased.

• iv. The beginning of the social debate on technology analysis, and even the beginning of the school term, is usually the most understood and dangerous time, thinking that stock god, with his eyes full of money and money, is the end of the life invested in bankruptcy.

• Fifth, knowing that investment cannot be short-term requires understanding a company’s business model and choosing a good share, but sometimes after falling through the market, it makes money, but it's still a busy research company that earns labor money.

• VI. Understanding long-term investment, buying long-term company holdings and starting to make big money. However, the financial turmoil has resulted in the loss of assets and the loss of assets, and an understanding of the dynamics and risks involved.

• Seven: Buying the best of the money, getting the best of the money, getting the money, getting enough cash, losing 80% of the market to its own asset allocation, losing 60%, selling or not, taking stock and borrowing money to live, never pay back, and making the money, is the level of investment for the rich.

The earlier point was that pledged positions should keep cash, and leveraged funds were included only to avoid lowering returns.

New information supersedes old information.

The earlier point was that pledged positions should keep cash, and leveraged funds were included only to avoid lowering returns.

Now we're suggesting to our retired friends that stability and survival is not the most important thing, so don't use beta to do an extreme 1.0.

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

• From birth, people prefer to go to elementary school in kindergarten, to college and even to doctorate in order to make more money.

• And our entire channel won't take you 18 years, not even 20 years to read a doctor to make you a rich man, and nobody's gonna spend that time and they're willing to go to doctoral classes.

• We're not saying it's wrong, I'm saying that if it's for money, we'll only spend a year on the channel and you'll be rich, and this is more important than going to school to find a job.

• When you've read all of this, you're richer than a doctor, and you can become a rich man. If you can read, you can learn to have a better life.

CLEC Investment Academy 00451 "2024"

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]