00539 The Market Is Making New Highs and You Are Still Hesitating? Investing Relies on Discipline, Not Luck. November 8, 2025

Related Materials

• Previous presentation: 00538 Flexible Rebalancing 2.0: Keep 15 Years of Cash Intact and Upgrade Safety to Win More and Lose Less. November 1, 2025
• Next presentation: 00540 How People in Emerging Countries Can Use Nasdaq 100 to Escape the Exploitation Cycle and Change Their Fate by Becoming Owners of America. November 15, 2025

Document Text

The market only rises over the long run

Clubhouse casual investing chat, CLEC YouTube, November 8, 2025.

Watch out for this Clubhouse scam.

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.

In China, China, Taiwan, Taiwan, Taiwan, the United States of America.

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

• CLEC Investment and Personal Finance Channel (FAQ) - NotebookLM Functional menu above right:

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

In China, China and the United States of America, Taiwan, China, China.

The topic is divided by theme, such as asset allocation, collateral, loans, taxes, etc.

Question and answer: use Note b o o kLM for interactive questions and answers.

: Introduction to CLEC Investment and Personal Finance Channel.

Da Dao Zhi Jian Investment Method information sharing site (Cheng Feng Navigation)

• https://filedn.com/lkVzkKM9Ep4uX0mqz8WR9Tm/cfn/

November 8th, 2025.

• • "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

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Watch "Investment Translator"

Watch on YouTube

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

Watch on YouTube

• https://youtube.com/@zeroboss2006?si=xyF6165mc42UxbIo

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

CLEC-related English channel Watch "Wealth Whispers " on YouTube https://youtube.com/@gtqq168?s=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/7fxtjZwTEYrtIpHMNXqXgJ

• Google 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'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.

• 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: 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.

Best investment in the U.S. of the U.S.'s Nazdaq 100.d c c x c https://docs.google.com/file/d/1RMnRsR82hQGj9T7dTZqs5A9q_p4lmbwa/edit?usp=docslist_api&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.

• 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 out for this Clubhouse scam.

"This is the most important thing I've ever heard about our lives, whether you're at any stage of life, and it's the most important thing in life!"

Hello, sir. I want to share with you recent developments in the CLEC concept.

• The application and sharing of Notebook LM was mentioned in the teacher’s previous classes, and I took some time (about 10min a day) from October, and through Notebook LM, the content of the teacher’s long film was sent to the Little Red Book, which led to new readers. So Bilibili's viewing and fanship growth is evident (the most significant increase in women over 40 years of age).

• If it's convenient for you to encourage your friends in China to share some investment in the CLEC next time in Clubhouse, you can use the Red Book to reach more people who want to understand the concept of teacher investment for the benefit of more people.

• James: Welcome to the community and film that encourage you to use our information to promote our investment. If you can mention the source of the information, the CLEC investment channel is more grateful.

The market is no higher than the top.

• The market has not been shut down, but it has been rising.

• The market will always be up and running.

• The market will also have the chance to fall by 85% and last ten years. If you can't accept a drop in your capital, you can't invest, or you can't understand the asset allocation and the risk of a fall!

Investment depends on discipline!

• There's enough cash to buy the rest of it.

• It's useless to hesitate!

• Human nature is the least valuable in the market.

Whether it's an annuity insurance or Taiwan's labor insurance policy, it's going to be cancelled. It depends on how much you own. Widow

If you have very few assets and cannot support 30 times more retirements, then take the form of a buy-in, not a break in the contract, because you can't make a living by investing, because you can't afford to spend just 2% a year in precarious conditions, which is not enough for every month.

For example, you can only get 40,000 a year for 2,000,000 investment, and if he gives you 15,000 a month, 180,000 a year, 9% steady cash flows, that's better.

Because you don't have to have your own assets.

• Why would rich people be richer?

• It's a good friend of the bank's.

• The money moved from the bank very quickly, so the rich got more money.

That's what smart people say. Why don't we take some time?

• The point is that everyone in the capitalist world is educated to work hard, that the financial industry is most worried about knowing the right investment, that banks and governments are just about emptying your money to get you to work and run.

• If, according to tradition, you're only serious about your job, your salary in the bank, your insurance, you'll know how poor you are when you retire.

• How can you believe such a traditional view if you can get money with labor and time? It's a fraud.

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]