00542 The Key to a 2.5% Retirement Withdrawal Rate: QQQ Is Not Technology, It Is the Strongest Companies. Investing Is About the Logic of Long-Term Wealth, Not Sector Labels. November 29, 2025

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The market only rises over the long run

Clubhouse casual investing chat, CLEC YouTube, November 29th, 2025.

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00542 The Key to a 2.5% Retirement Withdrawal Rate: QQQ Is Not Technology, It Is the Strongest Companies. Investing Is About the Logic of Long-Term Wealth, Not Sector Labels. November 29, 2025 Presentation Materials

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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.

• With 30% cash, the highest-beta allocation is 433: 40% QQQ or 00662, 30% QLD or 00670L, and 30% money market fund 00865B, SGOV, SWVXX, or BOXX. Beta is 1.0 and the withdrawal rate is up to 2%. The lowest-beta allocation is 70/30, also called 703: 70% QQQ or 00662 and 30% money market fund 00865B, SGOV, SWVXX, or BOXX. Beta is 0.7 and the withdrawal rate is up to 3%.

• :: 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) is 0.9 per cent, the highest is 3 per cent of the asset, the lowest is 6040 of the asset allocation or called (604 per cent) (60 per cent QQQ or 00662); 40 per cent of the currency market fund, 00865B (SGOV; SWVXX; BOXX) is 4 per cent of the asset allocation.

• :: 50 per cent cash asset allocation, with the highest beta being 325 (30 per cent QQQ or 00662; 20 per cent QLD (00670L); 50 per cent currency market fund, 00865B (SGOV; SWVXX; BOXX) beta 0.7, with the lowest being 5050 asset allocation or called (505) (50 per cent QQQ or 00662); 50 per cent currency market fund, 00865B (SGOV; SWVXX; BOXX) asset allocation is 5 per cent.

• • 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.

• Not all 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 poems cash plus trading accounts.

• 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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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.

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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 this Clubhouse scam.

This ID is a scam account. The person often changes IDs.

This is a scam. Please be careful. I will not contact you directly unless you ask me a question first.

QI is eligible for tax refunds in April!

• QQQI, the Flubian part of the year was sure to receive tax refunds.

• https://drive.google.com/file/d/1xuNZ6Sy2iBQxtBsq-XciHm85Q_Rdi97k/view?usp=drivesdk

QQQI is for cash flow.

• If you're retired, you're less than 40 times the annual cost, that's more than 2.5% a year, then you'll be able to match the high-equity asset allocation.

• So the combination of QQQI is the reason why you need to include QQQI in your allocation when there's not enough retirement resources.

It may be necessary to use the money, but within 2.5% of the retirement capital in a year, it can also be allocated!

• QQQ(00662) / QLD(00670L) / Currency Market Fund (BOXX, SGOV, 00865B)

• It may be necessary to use the money, but within 2.5% of the retirement capital in a year, it can also be allocated!

• If annual spending needs to be more than 2.5 per cent higher than retirement investment, the allocation needs to be matched by high dividends, with part of the capital at high dividends to supplement the cash flow.

@propertyflyfalcon4788.5 hours ago (edited)

• I'm in Taiwan now, and my relatives around me are paid first for the house, for the car, for insurance, for the two generations. I've worked hard all my life to pay off that expensive Taiwan house. We advised them for six months that the gold in Taiwan was a lie to the people, who did not listen, nor did they command.

• They all suffer because they have to pay off their mortgages before they can invest. I was lucky to have sold a few houses four years ago, bought all ETFs, and doubled. I'm retired now, Rich Free X. I don't keep any cash, but I have rent and income, and I'm selling other houses. Traveling is expensive and expensive, considering their needs and not their prices. Because the money will never be spent.

• Thanks to the teachers and the other staff, the world is so cute because of you. The banks in South Africa only teach people to fight fraud and not to buy products for insurance.

@mansonlo7723.9 minutes ago

• Investing in the Nasdaq index does not mean investing in U.S. technology. It means investing in the Nasdaq exchange ecosystem: lower listing costs, friendly fundraising, and flexible rules that attract startups.

• We don't recommend investing in US technology-based ETF: XLK and VGT as equity funds.

• In addition, thanks to the teacher for influencing me and my family's investment.

• Investment in QQQ is the strongest investment company, but the best is mostly high-tech, so that's why many people misperceive QQQ as a technology-like stock, which should be very close to the truth, but not entirely.

• QQQ includes the strongest companies. At any point in time, what else would you call most of the strongest companies if not high technology? Different eras have different high technology. Today's high technology may not be high technology in the future, and future high-technology companies may also enter QQQ.

• Companies in the strongest industries enter the rankings of the strongest companies. Human progress depends on the strongest industries and strongest companies. You can say they are not high technology, but then what are they?

• If the strongest industry is not the high technology of its time, what industry is it? If we do not call it high technology, what should we call it?

• Look back at television, cars, trains, and telephones. Were they high technology? Companies such as Sony once ranked among the world's top 10, and those industries were the high technology of their time. Many of the world's strongest companies have been called high technology in their own era. If the companies that move humanity forward are not the high technology of their time, what should we call them?

• There's Starbucks in QQQ, there's a lot of other industries in Costco, not just high-tech, we're focused on the strongest companies, and investing in QQQ is the strongest companies, and what kind of industry? We don't care.

• Of course, the strongest companies in the strongest industry will be absorbed by QQQ, and the strongest companies in the strongest industry will be included in the QQQ. Of course, there are strong companies that aren't in the strongest industries, and we like them too.

• Some of the companies you like, but not companies listed in Nasdac, and Buffet's not the best company to buy all of them, so don't get it wrong.

• In fact, debating whether QQQ is a high-tech investment, not a high-tech investment, or entirely high-tech is unnecessary. It only wastes time and life.

• Because investment does not help at all, everyone can have his or her own knowledge, and the point is how investment can make money for a long time, with good grades, and being rich is our ultimate goal.

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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