CLEC Investment & Wealth Database00540 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
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
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Related Materials
- Previous presentation: 00539 The Market Is Making New Highs and You Are Still Hesitating? Investing Relies on Discipline, Not Luck. November 8, 2025
- Next presentation: 00541 2x Leverage Will Not Go to Zero, but It Can Fall Until You Question Your Life: Without Rebalancing, No One Can Save You. November 22, 2025
Document Text
The market only rises over the long run
Clubhouse casual investing chat, CLEC YouTube, November 15, 2025.
Watch out for this Clubhouse scam.
This ID is a scam account. The person often changes IDs.
This is a scam. I will not contact you directly unless you ask me a question first.
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.
Disclaimer
Our videos and related content are for educational purposes only, not for profit. We don't have any discussion groups or communities, and if anyone asks you to join, be careful of scams.
For almost 20 years we have devoted ourselves to teaching, and have never benefited from it. Please don't believe in any investment proposals. Although YouTube videos may appear, they are not within our control or profit.
All of the information we have provided is a shared personal experience and is not recommended by a professional investment advisor. Investment decisions should be based on personal research and should not rely solely on video content.
Investment risks are high and could lead to significant losses. If you cannot afford to lose more than 10% in the short term or fall more than 20% in a few years, do not invest. Please be aware that your cash flow is safe and fully understand our investment philosophy before taking action. Invest cautiously, and all decisions are your own responsibility.
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
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CLEC Investment and Personal Finance Channel (FAQ) - NotebookLM https://filedn.com/lkVzkKM9Ep4uX0mqz8WR9Tm/clec-faq/
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Home page: Go back to home page.
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Region: The content is divided into US, Taiwan, China...
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Topics: The content is divided by themes such as asset allocation, collateral, loans, taxes, etc.
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Q&A: use NotebookLM for interactive questions and answers.
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About: introduction to the CLEC investment channel.
Da Dao Zhi Jian Investment Method information sharing site (Cheng Feng Navigation)
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 Presentation Materials
- No te b o o kLM is online (for o o g le a c c o unt) thanks for building the system.
https://notebooklm.google.com/notebook/736acf71-c8bf-4b46-992b-4badda3838f0
ChatGPT: CLEC James Investment Channel
Watch Investment Translator on YouTube
Watch on YouTube
Watch "Brez' Investment Notes"
3. Spotify
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RSS platform: https://rss.com/podcasts/clec/
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- Spotify:
https://open.spotify.com/show/1VifJmIvrGojkgNe2D43ut?si=d76b4cad97be469c
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- Amazon Music:
CLEC related English information channel
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Watch "Wealth Whispers" on YouTube
Apple Podcast
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https://open.spotify.com/show/7fxtjZwTEYrtIpHMNXqXgJ
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https://podcasts.google.com/feed/aHR0cHM6Ly9hbmNob3IuZm0vcy81MmRiOGUzNC9wb2RjYXN0L3Jzcw
* This is mainly for people who have retired and have no income.
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People near retirement should do the same.
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For friends who are more than 10 years away from retirement, of course, you can be a little more active with higher beta, and fall can be courageously connected.
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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.
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When you're in cash, beta will be in a section where you need a lot of people beta to lower.
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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.
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:: 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.
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:: 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.
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- 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.
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- The compromise is based on the previous asset allocation, and when the market rises, you can rebalance the cash to 15 years’ worth.
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- 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.
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- 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.
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:: For long-term investing, staying alive matters more than returns.
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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.
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"Exoneration statement."
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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
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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.
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Taiwan investors: consider Fubon NASDAQ 00662. For cash, consider CTBC U.S. Government 0-1 Year Bond ETF (00865B.TW).
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Chinese investors: It is proposed to invest 513100/5133/160213/159941/16130/159660.
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Hong Kong investors: consider HKD 3086, USD 9086, ETF 2834 (HKD) / 9834 (USD).
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Canadian investors: QQQ in US dollars, or QQC. TO/ETF (HXQ. TO).
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Australian investors: recommend NDQ purchases.
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UK investors: IShares VII Public Limited Company - iShares Nasdaq 100 UCITS ETF (CNDX.L) is recommended for US dollars; Europe recommends EQQQ, SP500.
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Brazil: The recently launched NASD 11 is the NASD11.
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Japanese investors: consider 2568 / 1545 / 2631.
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Malaysians and Singaporeans: QQQ can be bought through a POEMS Cash Plus trading account.
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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
Since 2018, we have kept all videos on YouTube so everyone can study investing in chronological order.
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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.
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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.
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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.
To avoid losing contact, please do not follow us on only one platform.
In addition to YouTube, please follow our Facebook, Podcast or Clubhouse channel. If one platform is restricted or shut down, you can still get the latest updates through other platforms.
If a channel has problems, we will announce new channel information on other platforms so you do not miss important updates.
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 ID is a scam account. The person often changes IDs.
This is a scam. I will not contact you directly unless you ask me a question first.
If you have any information from other Taiwan issuers, you can give me information.
The IBKR coupons, which have been asked by the Commission, are in possession of IBKR coupons, with 30% of their dividends deducted, but 94% returned in March of the following year.
If you have information from other Taiwan issuers, then you can refer to them.
Before investing, you have to ask whether your coupons are withholding taxes and paying back taxes.
Now there's fraud everywhere. Everybody be careful.
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In recent times, several parents’ assets have been mortgaged by banks to buy specialized products (drugs), which will save their inheritance taxes, and it seems to me that not only will they not be able to save their inheritance taxes, but will ultimately be invested.
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What's a fraud if it's not a fraud?
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Many of our parents will not have only one child, many of them children, and three or four of our students are just one of our children, who are being dragged away by the devils of the bank, and our students will not be able to return.
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That's why the financial industry is no different from the fraud syndicate.
It's about to be broken.
Young people in Europe who don't have a job can rest and move on. It makes no sense why Asia’s emerging countries are only internal.
We can't change the government's property structure, which is based on subjugation of the people. We awaken capitalism and save one!
The only way to turn the fate of the newly emerging country is for us to buy the US-Nustak 100 index fund as American owners.
Don't buy insurance. Who taught you that?
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In the end, you can give your child $5 million or $15 million, and you can use the inheritance tax exemption, so that the child can borrow PAL and pay the inheritance tax, which is sustainable, without cutting off the assets.
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No insurance, no insurance, no insurance. The important thing is said three times.
The only thing that keeps the market moving is the constant wave and the constant innovation.
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 Presentation Materials
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
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Or e-mail me.
00539 The Market Is Making New Highs and You Are Still Hesitating? Investing Relies on Discipline, Not Luck. November 8, 2025
00539 The Market Is Making New Highs and You Are Still Hesitating? Investing Relies on Discipline, Not Luck. November 8, 2025
00541 2x Leverage Will Not Go to Zero, but It Can Fall Until You Question Your Life: Without Rebalancing, No One Can Save You. November 22, 2025
00541 2x Leverage Will Not Go to Zero, but It Can Fall Until You Question Your Life: Without Rebalancing, No One Can Save You. November 22, 2025