00543 What Should You Do When the Market Is Fearful? Wealth-Building Mindsets for Market Fear and the Real Estate Cage. December 6, 2025

Related Materials

• Previous presentation: 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
• Next presentation: 00544 The Market May Fall for Ten Years. Are You Ready? Cash, Debt, and QQQ Survival Rules. December 13, 2025

Document Text

The market only rises over the long run

Clubhouse casual investing chat, CLEC YouTube, December 6, 2025.

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.

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:

• 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.

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• Q&A: use NotebookLM for interactive questions and answers.

• About: introduction to the CLEC investment channel.

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

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Apple Podcast

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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

• 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 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.

The new CLEC Podcast channel has been approved. Please subscribe!

• Apple Podcast platform: https://podcasts.apple.com/us/podcast/clec-investment-and-financial-management-channel/id1844141389//

• Short URL: https://podcasts.apple.com/us/podcast/clec-investment-and-financial-management-channel/id1844141389/

• RSS platform: https://apple.co/3VQdwZy

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• 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

On YouTube, watch "Stop wishing for the universe!" Stanford neurosurgeon discovers the truth: the true "demonstration" is the biology of the brain.

Seek stability first, then profit in the market

• It's only tomorrow that lives in the market.

• In the market, we fear greed.

• At the market we're afraid!

• When you're afraid of greed, you'll know!

• I don't know when I'm coming, remember when I'm coming, doing the right thing. It's hard to know!

In Taiwan, 0056 can already provide relatively high dividends without looking elsewhere

• We started by introducing QQQI to American retirees with insufficient funding as a source of cash flows.

• But most of the QQQI issuers in Taiwan are tax refundable, so it's a good sign that they're retired without a cash flow.

With enough cash, you can sleep well, eat well, and worry less

• Let the twilight run away!

Only getting on board and sleeping through the ride can take you to a peaceful, free life!

• It's all a daydream.

• The only way to live a free life is to get in the car and sleep!

If you treat the house as a consumer, not as an investment, and buy a house to live in, why not?

• Buy a house, hire people to fix it up, and avoid the hassle yourself. Use top-quality furniture. What is wrong with buying a luxury home for enjoyment? Remember: that only applies when buying a house is as casual as buying slippers, not when you are a high-income refined poor person.

• It's life to buy a house by laughing and buying a more luxurious house.

• If you can't do that, the house is a cage.

• It's a home, a rent or a buy. Love is home!

• Canada is currently taxing only part of its capital gains. In 2025 and before, 50 per cent of the profits were earned on personal tax reimbursements; since 2026, the personal capital gains have remained at 50 per cent of $250,000 per year, while the excess is at 67 per cent. Businesses and credit institutions are fully applying the 67% tax rate.

• Starting in 2026, at 50 per cent of 250,000 capital gains, it would have been close to 15 per cent capital tax, or the United States long-term capital tax, or 67 per cent above the 250,000 base rate, or 67 per cent by 30 per cent = 20 per cent.

Dr. Huang Peigen has completed the electronicization of the book "Finance EQ" after the book "Finance Bible."

• Share it with your students on the message board, hoping to increase confidence in investment.

• Finance EQ-PDF

• https://drive.google.com/file/d/1Y2y27G6t9Br1wm_Lia62xIrXfLvMvS-U/view?usp=sharing

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]