00538 Flexible Rebalancing 2.0: Keep 15 Years of Cash Intact and Upgrade Safety to Win More and Lose Less. November 1, 2025

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• Previous presentation: 00537 Financial Mortgage Plus Antifragile Retirement: a 15-Year Cash Safety Cushion and Smart Borrowing to Build Wealth. October 25, 2025
• Next presentation: 00539 The Market Is Making New Highs and You Are Still Hesitating? Investing Relies on Discipline, Not Luck. November 8, 2025

Document Text

The market only rises over the long run

Clubhouse casual investing chat, CLEC YouTube, November 1, 2025, video number 00538.

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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.

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.

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

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The investments we recommend are mainly the Nasdaq 100 index fund QQQ and the corresponding local ETFs issued in each country.

• Do not trust the advice of financial experts, including Charles Schwab financial consultant. 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.

The best investment in the United States of America in the 100th scale.docs https://docs.google.com/file/d/1RMnRsR82hQGj9T7dTZqs5A9q_p4lmbwa/edit?usp=docslist_api&filetype=msword

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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!

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The market keeps rising over time

Next week, the next six days of the American sun are over.

• Next week the United States clubhouse starts an hour early.

• It starts at 6:00 on Saturday.

• Taiwan's the same time. It starts Saturday night at 10:00!

Watch out for this Clubhouse scam.

QQQ

Up to 30% of the annual fund's income from the year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-to-year-old-to-year-to-year-to-year-to-year-to-year-old-to-year-to-year-old-to-year-to-year-round-to-year-round-to-year-round fund-to-year-to-be-to-year-to-year-to-year-year-for-year-to-year-year-to-to-year-year-

I've been talking about the change in the year of retention in the last few weeks, and I've been curious, and I've been trying to get back.

Thanks also to ETF Investment Channel’s online access to excel, I have adjusted the formula to compare the results of the variables according to his data.

I compared beta 0.7 / 0.8 / 0.9 / 1.0 with four scenarios, and with the retrospect settings, the file is attached to the reference for the teacher.

Bulletic rebalancing test public 20251030.xxx

wg18ALECwe_gC0u7wXdLfn0tGz656o/edit?u sp=drive_link&ouid=101802545306672728759 &rtpof=true&sd=true

• Bulletic rebalancing test public 20251030.xxx

• https://docs.google.com/spreadsheets/d/1OKPxIv-ep2YZfXnk89rt_OIkDCLqp5K3/edit?usp=drivesdk&ouid=113923943543023279904&rtpof=true&sd=true

• Bulletic rebalancing test public 2051101.xx

• https://docs.google.com/spreadsheets/d/16xt9yZdUf8Fqap72Ro8RavXNUiBjnklU/edit?usp=

Here's Zhou's heart to share with the teacher.

• 1. The sharing of this information, which is intended to throw bricks, is not necessarily correct and is not an investment proposal.

• Although the parameters have become more extensive, the central idea remains "smart rebalancing". It's just that it's possible to choose how much money is available and how much money you want to replace it.

• 3. To be flexible about the use of tactics, it is possible to adjust as long as there is a true understanding of the concept, and if the larger direction is right.
• 4. This evaluation is to confirm the feasibility of the ballistic adjustment that was discussed before, not to find the best way, but to be careful not to fall into the trap of an "exact error."
• 5. How to choose the right configuration, building a set of ideas that I think is more worth the time to study, to reach the right level.

7. When withdrawal rates/beta are confirmed, it is safer to choose as much of the cash as possible for allocation. For example, option 325 is safer than option 513.

• The result of a “blast rebalancing” comparison with “single smart rebalancing” is that it “wins more than loses less” and, when lost, the minimum maintenance rate is still higher than 167 per cent. So it's a strategy to think about.

• 7. When withdrawal rates/beta are confirmed, it is safer to choose as much of the cash as possible for allocation. For example, option 325 is safer than option 513.
• 8. When choosing a higher configuration of the cash sector, there is also an opportunity for an additional 10 per cent increase (from 2 per cent to 2.2 per cent).
• 9. While raising the level of cash would increase security, when the rate of submission exceeded 3 per cent, the risk of blasts would increase. It would be safer to figure out how to find a high-profile security profile in these strategies, and to figure out how to upgrade the initial total assets of retirement (which would be less than 3%).

The bullety rebalancing is a smart, rebalancing deformation that is divided by the size of the cash part, assuming that it is 15 years (variant I) and that when it's smaller than 15 years, it will not be reduced, it will only increase the proportion of the annual rise to the cash part (variably only 15 years) and the decline in the year from a year to a year of living costs (variably three) of the platinum part, when the platinum is larger than 15 years, it will be the traditional smart rebalancing. Up to a certain percentage of the base of the year, the base of the year goes down from one year to five.

A few weeks ago, the teacher began to say that it would be safer not to transfer cash for the fall of a 15-year period.

• The original purpose of the ballistic rebalancing:

• A few weeks ago, the teacher began to say that it would be safer not to transfer cash to the bank when the cash part was under 15 years old.

• When I started to get curious and suspicious, would it really be safer? So I started this retrospect.

• Version 1.0:

• When the cash is under 15 years old, it's going to have to be low and low.

• Version 2.0:

• When cash is more than 15 years old, you don't need to keep too much cash.

Adjusted parameters to beta and raise rate

The comparison is as follows:

Adjusted parameters to beta and raise rate

The attachment is the result of a comparison.

• 1. When the beta is fixed, it is recommended that the prototype ratio to the platinum be 1:1, with the largest part of the cash, with a higher minimum maintenance rate

• When the prototyping ratio is 1:1, the sustainability ratio is higher, and the use of ballistic rebalancing 2.0 may increase some risks, but it can be replaced by rates of reward and may be considered for use.

• 3. When the body is low (e.g., the leftmost part of the attached file), applying a ballistic rebalancing can still increase security
• 4. I would recommend a version of 2.0 instead of a rebalancing version of 1.0.

Comment

I've got data to keep the cash part from 13 to 16 years, and the trend is similar to that of 2. The bullety rebalancing 2.0 can be fine-tuned, and if the profit goes 15% to the prototype, 15% to the cash, the result will be:

The minimum maintenance rate will be higher than 30 percent, and the final asset will be lower than 30 percent. That makes sense, because it's a proportional change.

Tell the teacher why I didn't use 622, but 50/25.

• Following the use of ballistic rebalancing, while the minimum maintenance rate and the minimum quality amount were increased, unfortunately the minimum amount was not sufficient.

• And this is in line with earlier discussions: when it's the same bita, try to raise the amount of cash and make it safer.

• Another idea: if you want to use a pledge strategy but cannot accept leveraged ETFs, it may not suit ETF behavior, and retirement risk increases.

• Notes:

• The attachment has a retrospect formula with a ballistic 2.0.

• If you need it, you can change excel to this version of 20251101, thank you.

James, sir.

• Although not much different from our traditional smart rebalancing, there are advantages and investors can use them according to their circumstances.

• Cash is less than 15 years old, cash is not reduced by falling markets (at least 15 years old) and it continues to grow, and will never be reduced until more than 15 years later, when the traditional rebalancing of the declining annual cash transfer fund will take place!

• Prototype fund shares will be reduced by falling markets, and the amount will continue to rise as stock prices rise over time.

• Cash flows are lower than in 15 years: they always go in one direction:

• Prototype funds going down to > funds going up to —gt; cash

• When the cash was 15 years high, it returned to traditional wisdom and balance.

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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