00545 Turning a Family from Tragedy into Comedy: Sober Investing and the Power of Companionship. December 20, 2025

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Document Text

The market only rises over the long run

Clubhouse casual investing chat, CLEC YouTube, December 20, 2025.

Watch out for this Clubhouse scam.

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

This is a scam using a new account. It is fraudulent.

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!

• 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.

Briefing.

Regions: content is grouped by the U.S., Taiwan, China, and more

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

• CLEC Investment and Personal Finance Channel (FAQ) - NotebookLM https://filedn.com/lkVzkKM9Ep4uX0mqz8WR9Tm/clec-faq/

• Home page: Go back to home page.

• Region: The content is divided into US, Taiwan, China...

• Topics: The content is divided by themes such as asset allocation, collateral, loans, taxes, etc.

• 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)

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

• • "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 https://chatgpt.com/g/g-Q8Y2TmEcq-clec-james-investment-channel

Watch Investment Translator on YouTube

• https://youtube.com/@fyinvesttalk?si=1abr4RR_iq5CXqYi

Watch on YouTube

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

Watch "Brez' Investment Notes"

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 information channel

• Watch "Wealth Whispers" on YouTube

• https://youtube.com/@getqqq168?si=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.

• For retirees without income, 15 years of annual expenses in cash is a safe cash level.

30% cash asset allocation, the highest of beta is 433 (40% QQQ or 00662; 30% QLD (00670L); 30% currency market fund 00865B (SGOV; SWVXX; BOXX)beta 1.0, the highest of 2% of capital use, the lowest of beta is 70 30, the highest of 70 QQQ or 00662; 30% of currency market fund 0086B (SGOV; SWVXX; BOXX)b of 0.7% of capital use.

• With 40% cash, the highest-beta allocation is 334: 30% QQQ or 00662, 30% QLD or 00670L, and 40% money market fund 00865B, SGOV, SWVXX, or BOXX. Beta is 0.9 and the withdrawal rate is up to 3%. The lowest-beta allocation is 60/40, also called 604: 60% QQQ or 00662 and 40% money market fund 00865B, SGOV, SWVXX, or BOXX. Beta is 0.6 and the withdrawal rate is up to 4%.

• With 50% cash, the highest-beta allocation is 325: 30% QQQ or 00662, 20% QLD or 00670L, and 50% money market fund 00865B, SGOV, SWVXX, or BOXX. Beta is 0.7 and the withdrawal rate is up to 4%. The lowest-beta allocation is 50/50, also called 505: 50% QQQ or 00662 and 50% money market fund 00865B, SGOV, SWVXX, or BOXX. Beta is 0.5 and the withdrawal rate is up to 5%.

• For retirees without income, 15 years of annual expenses in cash is a safe 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.

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

• 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.

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

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

This is a scam using a new account. It is fraudulent.

This is a scam. I will not contact you unless you ask me a question first.

America 433 Smart rebalancing bond interest of 6.5%.

• Up to 2.1% of annual expenditure

• Taiwan 433 smartly rebalancing 3% interest on the pledge.

• Up to 1.5 per cent a year.

80/20 asset allocation with automatic rebalancing can use 2.7%

80/20 asset allocation with automatic rebalancing can use 2.7%, but from 2000 to 2025 the capital barely grew!

80/20 asset allocation with automatic rebalancing can use 2.7%.

80 20, no pledge, annual balance, 1.5%, final asset, $1.61 million.

• Taiwan 433 Bond, 3% interest, 1.5% annual loan, $4.75 million final asset.

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]