CLEC Investment & WealthCLEC Investment & Wealth Database
CLEC Investment & WealthCLEC Investment & Wealth Database
Homepage
Important Materials
Presentations
2023
2023-2024 Files
2024
2025
00497 [A Basket of Fresh Fruit Is Better Than Picking Short-Term Trades From a Rotten Basket. Why You Need to Completely Update Your Investing Mindset and Take Control of Your Financial Future] January 4, 2025 CLEC Investment and Personal Finance Channel00498 [Asset Allocation and Pledge Strategies: Wealth Management on Autopilot] January 11, 2025 CLEC Investment and Personal Finance Channel00499 [Future Wealth Planning: Capital Allocation for the AI Era. Cash, QQQ, and QLD: Three Steps Toward Optimal Asset Allocation] January 18, 2025, CLEC Investment and Personal Finance Channel00500 January 25, 2025: The Market Only Rises Over the Long Run00501 February 8, 202500502 February 15, 202500503 February 22, 202500504 March 1, 202500506 How to Use Stock Financing to Amplify Investment Returns: Index Investing Community Exchange, March 8, 202500507 [The Most Precious Thing in Life Is Time, Not Money. The Truth of Capitalism: How Finance and Government Trap People in Labor] March 15, 202500508 [Practical Simulation 2000-2025: Robust Borrowing and Asset-Multiplication Strategies, With a Full Explanation of HSBC Hong Kong Wealth Portfolio Lending] March 22, 2025 CLEC Investment and Personal Finance Channel00509 [Do Not Let Greed and Fear Ruin Your Investing Life: Investing Is Not About Who Rushes Fastest, but Who Lasts to the End] March 29, 202500510 April 5, 2025 [Facing the Unpredictability of Short-Term Market Volatility; The Real Purpose of Investing: Stay Alive and You Can Become Wealthy]00511 [Risk and Cash Are the Real Starting Point of Investing] April 12, 202500512 [Complete Asset-Allocation Simulation Guide: Practical Exercises in Leverage, Rebalancing, and Cash Conversion] April 19, 202500513 Times Are Changing: Choose the Best Index, Such as the Nasdaq 100, and an AI-Era Imagination | April 26, 2025 Presentation00514 Cash Levels and Risk Capacity: Investor Psychology, Allocation Logic, and the Humility Needed to Preserve Wealth | May 17, 2025 Presentation00516 The Middle-Class Dilemma and Rich-Person Thinking: The Truth About Gaps in Happiness, Investing, and Institutional Design | May 31, 2025 CLEC Presentation00517 A Must-Watch for Retired Investors: Even If the Market Fell to Zero, You Would Not Need to Fear | June 7, 2025 Presentation00518 From Houses to Bonds: Asset Allocation Is the Key, Avoiding Scams, Understanding Risk, and Returning to Index Investing | June 14, 2025 Presentation00519 The Highest Level of Investing: Getting Rich Through Boredom, Staying Firm Through Risk -- From Pledging to Allocation, the Ultimate Life Lesson in Investing (June 21, 2025)00520 Stop Being Taken Advantage Of: The Truth About Investment Scams and the Right Money Mindset | June 28, 2025 Presentation00521 [From Short-Term Trading Losses to Index-Based Wealth: Rules for Surviving Volatile Markets] July 5, 202500522 Everything Outside Is Noise, and Market Volatility Is a Blessing: Seeing the Essence of Investing Through Asset Allocation and Life Choices | July 12, 2025 Presentation00523 People Hiding in Caves: Why Do They Always Miss Long-Term Wealth Opportunities? | July 19, 2025 Presentation00515 [Stock Pledging Is Discipline; Day Trading Is Gambling: If You Do Not Understand the System, the System Will Consume You] July 25, 202500524 Knowledge Is Our Revolution: Escape the Poverty Trap and Reverse Your Fate Through Your Own Effort | July 26, 2025 Presentation00525 Reverse Mortgages and Financial Mortgages: Retirement Asset Allocation in an Era of Capital Monopoly; Has Renting Become an Exploitation Trap? | August 2, 2025 Presentation00526 QQQ Can Make You One of the World's Richest People; Investing in VT Will Only Keep You Poor | August 9, 2025 Presentation00527 From 60 Million to 6 Billion? The Miracle Path of Long-Term Compounding Plus 2% Pledged Borrowing | August 16, 2025 Presentation00528 Achieving Financial Freedom Through Proper Asset Allocation and Stock Pledged Borrowing: A Long-Term Investment Strategy from 60 Million to 700 Million | August 23, 2025 Presentation00529 Raise Children, Not Houses: The Truth About Reverse Mortgages and Retirement Cash Flow | August 30, 2025 Presentation00530 Believers Stay the Course, Doubters Lose Money: Do You Still Want to Get Rich with VT? | September 6, 2025 Presentation00531 Correct Asset Allocation Is More Stable Than a House and Avoids TQQQ Wipeout Risk! September 13, 202500532 Retirement Cash Flow Choices: Home Equity for Retirement and Investment DNA That Can Survive Harsh Markets. September 20, 202500533 Staying Alive Matters More Than Returns: Set the Cash Ratio First, Then Choose Beta, and Investing Becomes Stable. September 27, 202500534 Retirement Asset Allocation and Withdrawal Rates: Staying Alive Matters More Than Returns. October 4, 202500535 Start Personal Finance with Cash Flow: Investing Without Understanding Cash Flow Is Like Feeling an Elephant Blindfolded. October 11, 202500536 People Who Use AI Get Busier; People Who Invest in QQQ Get Freer: Learning to Invest Is the Real Artificial Intelligence. October 18, 202500537 Financial Mortgage Plus Antifragile Retirement: a 15-Year Cash Safety Cushion and Smart Borrowing to Build Wealth. October 25, 202500538 Flexible Rebalancing 2.0: Keep 15 Years of Cash Intact and Upgrade Safety to Win More and Lose Less. November 1, 202500539 The Market Is Making New Highs and You Are Still Hesitating? Investing Relies on Discipline, Not Luck. November 8, 202500540 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, 202500541 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, 202500542 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, 202500543 What Should You Do When the Market Is Fearful? Wealth-Building Mindsets for Market Fear and the Real Estate Cage. December 6, 202500544 The Market May Fall for Ten Years. Are You Ready? Cash, Debt, and QQQ Survival Rules. December 13, 202500545 Turning a Family from Tragedy into Comedy: Sober Investing and the Power of Companionship. December 20, 202500546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 202500505 My Investment Sharing, CLEC00506 Using Stock Financing to Borrow Against Stocks00506 Nasdaq Planet Salon, Session 10: Using Stock Financing Well
2025 Files
2026
2026 Files
Hundred-Million Investment Life Lecture
X (Twitter)
Presentations2025

00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025

00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025

00546 Short Talk [You Could Have Retired Long Ago; You Just Did Not Dare To] December 27, 2025 cover
Number: 00546
Published: 2025-12-27
Pages: 26
Source filename: 00546 短篇【你早就可以退休了，只是你不敢】 日期：2025年12月27日 簡報資料.pdf
Original file: Open file

Related Materials

  • Previous presentation: 00545 Turning a Family from Tragedy into Comedy: Sober Investing and the Power of Companionship. December 20, 2025
  • Next presentation: 00505 My Investment Sharing, CLEC

Document Text

The market only rises over the long run

Clubhouse casual investing chat, CLEC YouTube, December 27, 2025, video number 00545.

Date: 27 December 2025

  • New friends, please watch the following videos on our channel first.

  • https://docs.google.com/presentation/d/1cI5v-x6Agq4T9ta7A3BXzRI9BsWrEPe0/edit?usp=drivesdk&ouid=113923943543023279904&rtpof=true&sd=true

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.

My pinned YouTube comment provides handout downloads and related links

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.

00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025 - figure 9-4: This ID is a scam; the person frequently changes the ID 00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025 - figure 9-5: This ID is a scam; the person frequently changes the ID

Watch out for this Clubhouse scam.

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

00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025 - figure 10-4: This is a scam using a new account; the ID is a scam and the person frequently changes the ID 00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025 - figure 10-5: This is a scam using a new account; the ID is a scam and the person frequently changes the ID

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

00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025 - figure 11-2: This is a scam; everyone be careful. I will not contact you directly. Unless you have a question to ask me, remember my correct ID on Clubhouse is @clecchairman 00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025 - figure 11-3: This is a scam; everyone be careful. I will not contact you directly. Unless you have a question to ask me, remember my correct ID on Clubhouse is @clecchairman

000614C short. 23 December 2025

00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025 - figure 12-2: This is a scam; everyone be careful. I will not contact you directly. Unless you have a question to ask me, remember my correct ID on Clubhouse is @clecchairman

China can use the Southern Bonus 50 ETF to connect A (00163) Hong Kong high dividends.

  • Friends with 15 years of spending will be able to retire! Get enough cash flow with high dividends and add value to the base asset allocation with the Nusdak 100!

  • In the U.S., Taiwan's Recommitment (every US legacy tax issue) can be configured with high dividends such as QQQI dividends at 12%.

  • China can use the Southern Bonus 50 ETF to connect A (00163) Hong Kong high dividends.

  • Hong Kong investors can use 3416.HK, the Global X HSCEI Components Covered Call Active ETF listed on the Hong Kong Exchange (HKEX). Its annualized distribution is about 16%.

Annualized yield: the projected annualized yield is about 15.98% to 16.75%.

3416.HK refers to the Global X HSCEI Components Covered Call Active ETF listed on the Hong Kong Exchange (HKEX). The following information was current as of December 19, 2025:

Latest market price: HK$10.51. Investment objective: this active ETF mainly invests in Hang Seng China Enterprises Index (HSCEI) constituents, such as Alibaba, Tencent, and Xiaomi.

Investment strategy: it uses a covered call strategy, selling HSCEI call options to earn option premium income. This can offset part of a market decline or increase cash-flow income.

Income and distributions:

Distribution frequency: monthly.

Annualized yield: the projected annualized yield is about 15.98% to 16.75%.

Fees and size:

Management fee: 0.75% per year.

Asset size: about HK$13.5 billion.

Issuer: Mirae Asset Global Investments (Hong Kong) Limited.

Global X HSCEI Components Covered Call Active ETF - Global X ETFs Hong Kong https://www.globalxetfs.com.hk/zh-hant/funds/hscei-covered-call-etf/

  • We're going back to the mainland.

  • https://docs.google.com/presentation/d/1I227MVuWOTtiq2lEtGLaJCtENGoe_Dz8/edit?usp=drivesdk&ouid=113923943543023279904&rtpof=true&sd=true

  • Hello, on the continent, the cash portion of the national debt can be bought in reverse. This is where an individual borrows his own money through the public debt buy-back market to obtain a fixed interest gain, while the repurchaser, the borrower, uses its own national debt as collateral to obtain the loan and service the debt after maturity.

  • The repurchase of the national debt is subject to locking periods and can only operate within the trading time period on the date of the transaction, and the timing of the loan may be based on the need to use the funds. When you borrow it, you'll tell me when it's ready and ready. The following two screenshots are the interface for the operation.

  • The fees for repurchases of the national debt are generally one in 100,000, and the fees can be one in a million if they are large enough to communicate with the voucher. The fee is fixed on a daily basis and can only be bought 1,000 times!

00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025 - figure 17-1: The fee for reverse repo of government bonds is generally one hundred-thousandth; with large funds you can negotiate a lower commission with the broker, down to one millionth. The fee is settled daily and can only be bought in integer multiples of 1000! 00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025 - figure 17-2: The fee for reverse repo of government bonds is generally one hundred-thousandth; with large funds you can negotiate a lower commission with the broker, down to one millionth. The fee is settled daily and can only be bought in integer multiples of 1000! 00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025 - figure 17-3: The fee for reverse repo of government bonds is generally one hundred-thousandth; with large funds you can negotiate a lower commission with the broker, down to one millionth. The fee is settled daily and can only be bought in integer multiples of 1000!

QDII daily plan U.S. short-term debt https://docs.google.com/presentation/d/1wA7oikkFSjJ1xX5Ik83D5f6p3b007j/edit?usp=drivesdk&uid=1139239433023279904&rtpof=true&sd=truue&d

Rate of return: 7-day annualized rate of return is usually around 3.4 - 4%

  • The CBSA-QDII Day Plan (in United States dollars version) is a low-risk R1 dollar cash management product introduced by CSIM, with an annualized rate of return of about 3.4 to 4 per cent and investment in offshore deposits, currency market instruments. The owner of the product is “distributed on a daily basis” to support the reinvestment of dividends, with the return on the day after the requisition, as an option for investors to allocate liquid assets in United States dollars.

  • Summary of key information:

  • Product positioning: Cash management, which invests mainly in high liquidity instruments such as bank deposits, business statements and bond buy-backs with maturity of one year.

  • The seven-day annualized rate of return is usually around 3.4 - 4 per cent.

  • Distribution of proceeds: Gains are calculated and distributed on a daily basis and are reinvested in dividends (i.e., converted to shares).

  • Rules for transactions: Requisition on the day the proceeds are recognized and calculated the following day; no proceeds on the day of redemption, confirmation of redemption the following day.

  • Cost: Part of the sales rate has been reduced to 0.20 per cent (annualization).

  • Risk level: R1 (low risk).

  • Main features:

  • Good liquidity: Operation daily, suitable for short-term funding.

  • Scope of investment: The concentration on high-grade United States dollar bonds and certificates of deposit is influenced by the Federal Reserve interest rate policy.

  • Objective: To provide better returns than demand deposits while maintaining high liquidity.

00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025 - figure 20-1: Objective: to provide returns better than demand deposits while maintaining high liquidity. 00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025 - figure 20-2: Objective: to provide returns better than demand deposits while maintaining high liquidity.

Why should non-U.S. investors use UCITS ETFs to invest in the Nasdaq 100?

  • Date: 2025

  • https://docs.google.com/document/d/14nkP80x_WeRze4LuxGtl_QYIvi5Irs07/edit?usp=drivesdk&ouid=113923943543023279904&rtpof=true&sd=true

QQQ/QLD asset allocation backtest https://clec-strategy-backtest.vercel.app/ asset allocation simulation profiles_2025-12-27.json https://drive.google.com/file/d/1nq8DJK-5bSru00-fJWdHpmwems9f6EUm/view?usp=drivesdk CLEC special topic, updated software asset allocation pledged-loan backtest simulation for 2000-2025, December 27, 2025, https://youtu.be/TJx6diRKZ7E

00546 Short Talk: You Could Have Retired Long Ago; You Just Did Not Dare To. December 27, 2025 - figure 23-1: Date: 2025

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]

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

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

00505 My Investment Sharing, CLEC

00505 My Investment Sharing, CLEC

Table of Contents

Related MaterialsDocument TextThe market only rises over the long runDate: 27 December 2025Market volatility has nothing to do with me!Investors stay extremely optimistic!The market keeps rising over time000614C short. 23 December 2025The market rises every day. That is wonderful and joyful.