Newcomer's Sunflower Guide rev 1.0 January 25, 2026

Related Materials

• Next presentation: Smart Rebalancing Method 2.0

Document Text

The market can only rise in the long run

CLEC Newcomer's Sunflower Guide. CLEC Investment and Financial Management Channel, December 25, 2025. YouTube video number 00544.

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This account is fraudulent. The person often changes IDs.

Beware of This Clubhouse Scam Account

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This Is a Scam. Please Be Careful.

I will not contact you directly unless you come to me with a question. Please remember that my correct Clubhouse ID is @clecchairman.

Market Volatility Has Nothing to Do with Me!

• Market fluctuations have nothing to do with me!

• The international situation has nothing to do with me!

• Market analysis has nothing to do with me!

• Financial statements have nothing to do with me!

• The economic situation has nothing to do with me!

• All this has nothing to do with me!

• Ignore the noise and swings of the market!

There is a pinned message in the YouTube comments with handout downloads and related links.

The Following Two Channels Are Very Helpful for New Friends

If you are new here, welcome!

Watch more videos and learn. You need to watch at least 300 videos to truly learn it.

The following two channels are of great help to new friends:

Watch "Sergeant's Lie-Flat Finance Notes" on YouTube https://youtube.com/@sargeschillfinance?si=9sn8dX53hkhHu8r3 Watch "Investment Translator" on YouTube https://youtube.com/@fyinvesttalk?si=C-mryXIPJwOB1PAz

Blind Investing Without Learning Is Dangerous

• Watch our videos and ask specific questions, including:

• The video number and the timestamp where the question occurs.

• Asking questions after watching the video is the most effective way to learn.

Ximalaya link https://m.ximalaya.com/selfshare/albumnew/110339131

I started learning CLEC two months ago. I wanted to start from the beginning, but there were too many courses and I was worried it would take too long. So I used a crawler to download the subtitles from all YouTube videos, extracted the documents, and made an AI Q&A app. When I run into something while learning, I ask the AI. It tells me which lesson and link correspond to the topic, and then I go back to the original video. Overall it feels quite efficient, so I turned it into a tool. I hope it will help other students too.

Gemini link entrance:

https://gemini.google.com/gem/1SinRZQd1NiazojGIYI4raM-MwDkTGnuG?usp=sharing

Chengfeng Navigates the Life Fleet: CLEC Investment and Financial Management Channel

• CLEC Investment and Financial Management Channel (https://cfnavi.org/clec/)

• 100 Million Yuan Lecture

• This is a very exciting video, lectured by Mr. James, which inspires everyone's instinct that "wealth is a gift, happiness is a human right". It is worth listening to again and again, and provides you with financial knowledge that will last a lifetime.

• YouTube Video Playlist

• The weekly investment tips are your reassurance in the stock market.

We will accompany you through bull and bear markets, hold fast to the iron rule of investing, "Buy when you have money; do not sell even under pressure," and take you along the path from "hearing" to "belief," until you finally understand the market essence of "the mountain is still the mountain."

• CLEC Investment and Financial Management Channel: AI Knowledge Interaction

• Compile YT videos and use ChatGPT, Gemini, and NotebookLM AI tools for interaction.

Chengfeng Navigates the Life Fleet: The Simplest Investment Method

• Investment and financial management blog

• Investment management system

• Risk tolerance self-assessment

• System Operation Manual

• The simplest investment method

• The three treasures of investing

• Investment concepts

Chengfeng Navigates the Life Fleet: The Simplest Investment Method

• Chengfeng tells stories

• "The Financial Adventure of Hamster Dami"

• File downloads and spreadsheets

• AI interactive area

• Chengfeng Pilot Investment Mentor (Gemini)

• The simplest investment method (NotebookLM)

• Taiwan's three labor-retirement pillars: labor insurance annuity, labor pension, and national pension (NotebookLM)

• Mainland China cash parking through reverse repo

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

• https://docs.google.com/presentation/d/1wA7oikkFSjJ1xX5Ik83D5f6p_3b0071j/edit?usp=drivesdk&ouid=113923943543023279904&rtpof=true&sd=true

Yield: The Seven-Day Annualized Yield Is Usually Around 3.4% - 4%

• BOC Wealth Management QDII Daily Plan (USD version) is an R1 low-risk U.S. dollar cash-management product launched by BOC Wealth Management. Its annualized return is about 3.4%-4%, and it invests in overseas deposits and money market instruments. The product emphasizes "daily allocation and daily payment," supports dividend reinvestment, and begins generating income the day after subscription. It is an option for investors allocating U.S. dollar liquid assets.

• Summary of key information:

• Product positioning: cash management product, mainly investing in bank deposits, interbank certificates of deposit, bond repos, and other highly liquid instruments with maturities within one year.

• Yield: the seven-day annualized yield is typically around 3.4% - 4%.

• Income distribution: income is calculated and distributed daily, and the payment method is dividend reinvestment (converted into shares).

• Trading rules: a same-day subscription is confirmed and begins calculating income the next day; there is no income on the redemption day, and redemption is confirmed the next day.

• Fees: the sales fee for some share classes has been reduced to 0.20% (annualized).

• Risk level: R1 (low risk).

• Main features:

• Good liquidity: daily operation, suitable for short-term capital allocation.

• Investment scope: focuses on high-grade U.S. dollar bonds and certificates of deposit, and is significantly affected by Federal Reserve interest-rate policy.

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

You can learn how to determine whether your asset allocation and withdrawal rate are safe. First watch the YouTube video below, then read the handout, and then run the backtesting software. The software can import the other three files for reference, or you can enter your own asset allocation for simulation.

CLEC Special Topic [How to Use the Asset Allocation Backtesting Software] December 30, 2025 https://youtu.be/aS-piYnP8c0

Backtest briefing https://docs.google.com/presentation/d/1wyELtWLl4_ReEo5y34JGadjU_uB1lb8b/edit?usp=drivesdk&ouid=113923943543023279904&rtpof=true&sd=true

QQQ/QLD Asset Allocation Backtester https://clec-strategy-backtest.vercel.app/

80/20 asset allocation without pledged stock profiles_2025-12-30 https://drive.google.com/file/d/1I96qJBdfyvfL4V2d_JhjTLXlcFrR9km4/view?usp=drivesdk

Taiwan asset allocation profiles_2025-12-30 https://drive.google.com/file/d/1UZzv1lGiPwjGhixHc7XNYUrtoF5F-q2e/view?usp=drivesdk

U.S. asset allocation (updated version) profiles_2026-01-01.json https://drive.google.com/file/d/1MfbKuGnlbzXXnie6QBQ1d--B5xsXGM1R/view?usp=drivesdk&ouid=110455984605258774632&rtpof=true&sd=true

[Smart Rebalancing Method]

https://docs.google.com/document/d/1T882J-WuW-p5EzUgZN_IET_8aNtOsgwS/edit?usp=drivesdk&ouid=110455984605258774632&rtpof=true&sd=true

Calculation of Beta

https://docs.google.com/document/d/1PYWBi88A9FwZ0PxWehKynEnR_SnIyOdx/edit?usp=drivesdk&ouid=113923943543023279904&rtpof=true&sd=true

In Addition, the Two Backtesting Engine Documents Are as Follows

Based on my testing, the U.S. allocation basically has to be reduced to 19,000 to pass, while flexible rebalancing can reach 20,000. See the attachment for the allocation plan.

In addition, the two backtesting engine documents are as follows:

CLEC Strategy Backtesting Tool - User Manual https://github.com/yutaofr/clec-strategy-backtest/wiki/%E7%94%A8%E6%88%B7%E4%BD%BF%E7%94%A8%E8%AF%B4%E6%98%8E%E4%B9%A6

CLEC Strategy Backtesting Engine Manual https://github.com/yutaofr/clec-strategy-backtest/wiki/CLEC-%E7%AD%96%E7%95%A5%E5%9B%9E%E6%B5%8B%E5%BC%95%E6%93%8E%E8%AF%B4%E6%98%8E%E4%B9%A6

The source code repository can also be shared with everyone (https://github.com/yutaofr/clec-strategy-backtest). I know some students in mainland China cannot access Vercel, but they can view GitHub directly. They can download the code locally and run "docker-compose up app", then open "http://localhost:8080" in a local browser to use this tool offline.

Why Should Non-U.S. Investors Use UCITS ETF 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

Long-Term Investment Strategy from 60 Million to 700 Million, December 23, 2025

• 00614C Short Video [Using Correct Asset Allocation and Stock-Backed Loans to Achieve Financial Freedom:

Long-term investment strategy from 60 million to 700 million] December 23, 2025

• https://youtu.be/AUVBtdl3lMA

Watch "Investment Translator" on YouTube

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

Watch "Blaize's Investment Notes" on YouTube

• https://youtube.com/@zeroboss2006?si=xyF6165mc42UxbIo

CLEC's New Podcast Channel Has Been Approved. Please Subscribe!

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

• 1. Apple Podcast platform:

• Short URL: https://apple.co/3VQdwZy

• 2. 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 Information: English Channel

• Watch "Wealth Whispers" on YouTube

• https://youtube.com/@getqqq168?si=4f87hl0xQ2R-E-se

• Apple Podcast for old shows: 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 mainly for people who are retired and have no income.

• People approaching retirement should also adopt this strategy.

• For friends who are more than 10 years away from retirement, of course you can be more aggressive, use a higher Beta, and accept declines more boldly.

• People with different asset allocations can still use those allocations to withdraw an appropriate percentage for daily living needs. For all asset allocations, the key is to decide the annual withdrawal rate first, and then determine the cash allocation.

• Once you know your cash ratio, Beta will fall within a range. Those who need to withdraw more should have a lower Beta.

However, It Is Relatively Difficult to Start with 15 Years of Cash, and It Is Not Absolutely Necessary

• The compromise is to start with the previous asset allocation, and when the market rises, rebalance so that cash gradually increases to the level of 15 years of annual expenses.

• If you do not have more than 15 years of cash starting from the market high, try not to rebalance in down years. If you do not have 15 years of cash at the high point, rebalancing in a down year is risky.

• Only rebalance in down years if you had more than 15 years of cash at the market top. For example, if you had 18 years of annual expenses at the high point, you would have three down years available for rebalancing.

• The most important thing in long-term investing is survival, not rate of return.

• The prudent approach is to have 15 years of cash at the market's highest peak. All investment asset allocation is highly personal. You must deeply understand the asset allocation and strategy that best suit you.

• Disclaimer

• The content of this article and the video is experience sharing only, not professional investment or tax advice. Please make your own judgment and decisions prudently. Investing is risky; enter the market with caution.

• Friends who already have 15 years of annual expenses can retire. Use high dividends to obtain sufficient cash flow, and use a Nasdaq 100 Index Fund as the base allocation for the rest to pursue asset appreciation.

• U.S. accounts and Taiwan sub-brokerage accounts (both have U.S. estate-tax issues) can use high-dividend assets, such as QQQI with a dividend yield of 12%.

• In Hong Kong, 3416.HK can be used. It refers to the Global X HSCEI Components Covered Call Active ETF listed on the Hong Kong Exchange (HKEX). Its annualized dividend payout is around 16%.

We no longer recommend Southern Dividend Low Volatility 50 ETF Feeder A (008163), nor do we recommend Southern Dividend Low Volatility 50 ETF (515450), because the website information is not aligned with international standards and the real data is not as good as expected. Dividends may come from principal. It is not a good investment.

I also found two high-dividend funds in mainland China: one is 007751 (Invesco Great Wall Shanghai-Hong Kong-Shenzhen Dividend Growth Low Volatility Index Class A), with a dividend yield of about 8% and a 3-year average annualized unit NAV growth rate of about 6%; the other is 561580 (Huatai-PineBridge CSI Central Enterprise Dividend ETF), with a dividend yield of 7.6% and a 3-year average annualized unit NAV growth rate of 8.21%.

For cash products in mainland China, I found a bond fund, 161115 (E Fund Suifeng Tianli Bond), with a maximum drawdown of -2.23% over the past 5 years and an average annualized return of 3.2% over the past 4 years. See whether it can replace money market funds.

Latest Market Price: HK$10.51

• 3416.HK refers to the Global X HSCEI Components Covered Call Active ETF listed on the Hong Kong Exchange (HKEX). Its annualized dividend payout is around 16%.

• The following is the latest relevant information as of December 19, 2025:

• Latest market price: HK$10.51

• Investment objective: This is an active ETF that mainly invests in constituent stocks of the Hang Seng China Enterprises Index (HSCEI, referred to as the "HSCEI"), such as Alibaba, Tencent, Xiaomi, and others.

• Investment strategy: It uses a covered call strategy. It earns option premium income by selling HSCEI call options, thereby offsetting part of market declines or increasing cash-flow income.

• Earnings and dividends:

• Dividend payment frequency: Dividends are paid monthly.

• Annualized yield: Expected annualized yield may be as high as approximately 15.98% to 16.75%.

• Cost and size:

• Management fee: 0.75% per annum.

• Asset size: approximately HK$13.5 billion.

• Issuer: Mirae Asset Global Investments (Hong Kong) Co., Ltd.

• 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/

CLEC Has No Discussion Group, and We Have Not Authorized Anyone to Do Anything

• We have no way to know the membership or purpose of any group, and it is easy for bad actors to infiltrate them.

The Investments We Recommend Are Mainly the Nasdaq 100 Index Fund QQQ and Corresponding Local ETFs Issued in Each Country

• Do not rely solely on the advice of financial consultants, including Charles Schwab financial consultants. They can assist in opening an account, but it is not recommended to fully adopt the ETF or other financial products they propose.

• Over the long term, the Nasdaq 100 Index Fund and the S&P 500 Index Fund are the best-performing investments. Other than this, individual stocks, funds and financial products are usually not conducive to investment success and should be avoided.

We Recommend Investing 100% in the Nasdaq 100 Index Fund

• In the United States: We recommend buying QQQ, or QQQM if you have less capital. Cash can be invested in money market fund SWVXX or short-term bill ETFs BIL, SGOV, and BOXX.

• Taiwanese investors: We recommend Fubon NASDAQ 00662, and cash can be invested in CTBC U.S. Government 0-1 Year Bond ETF <00865B.TW>.

• Mainland Chinese investors: We recommend investing in 513100/513300/160213/159941/161130/159660.

• Hong Kong investors: You can choose HKD 3086, USD 9086, ETF 2834 (HKD)/9834 (USD).

• Canadian investors: We recommend exchanging into U.S. dollars and buying QQQ directly, or investing in Canadian dollars through QQC.TO/ETF (HXQ.TO).

• Australian investors: We recommend buying NDQ.

• British investors: We recommend investing in iShares VII Public Limited Company - iShares NASDAQ 100 UCITS ETF (CNDX.L), denominated in U.S. dollars. In Europe, EQQQ and the SP500 index fund CSPX.L are recommended.

• Brazil: The recently launched Nasdaq index fund is NASD11.

• Japanese investors: You can choose 2568/1545/2631.

• Citizens of Malaysia and Singapore: You can purchase U.S. QQQ through a Phillip Securities POEMS Cash Plus trading account.

• South Korea: The recommended QQQ ETFs are 368590.KS/133690.KS/367380.KS.

• https://docs.google.com/file/d/1RMnRsR82hQGj9T7dTZqs5A9q_p4lmbwa/edit?usp=docslist_api&amp;filetype=msword

Since 2018, We Have Kept All Videos on YouTube so Everyone Can Learn Investing in Chronological Order

• The content of the video reflects the market conditions and correct investment decisions at the time, but as time changes, some strategies may no longer be applicable. These are valuable learning resources.

• Viewers should consider each video's content in light of the market conditions at that time and develop their own ability to think and judge.

• Our early investment recommendations included certain individual stocks and general funds. Although they were good investment choices at the time, suitable investment targets also need to consider personal risk tolerance and investment strategies.

Today's Social Media Environment Changes Rapidly, and Channels May Sometimes Be Blocked or Removed Without Warning

• In order to avoid losing contact, we recommend that you do not only track our accounts on a single platform.

In addition to YouTube, please also follow our Facebook, Podcast, or Clubhouse channels. That way, if a channel on one platform is restricted or closed, you can still receive the latest news through other platforms as soon as possible.

• Once a channel abnormality occurs, we will also announce new channel information on other platforms to ensure that everyone will not miss any important content.

Initial Thoughts (The Silent Capitalist War)

https://docs.google.com/document/d/1U03wQ66mFsE-2LKOuf4XhM3hP64XnzON/edit?usp=drivesdk&amp;ouid=110455984605258774632&amp;rtpof=true&amp;sd=true

1. Origin https://docs.google.com/document/d/1sPfNGhp2jcREJF7iHhv9UJNASBW_OH7j/edit?usp=drivesdk&amp;ouid=110455984605258774632&amp;rtpof=true&amp;sd=true

Watch "Laomi Wenyuan Pavilion" on YouTube https://youtube.com/@wenyuange?si=RbwF8KuWo7nv29aw

Investors Are Always Extremely Optimistic!

Investors always welcome the sunshine!

The market will eventually rise!

Investment requires patience!

Wealth is worth waiting for!

Subscribe, leave a comment, press 👍, forward, and share. Remember to give five ⭐ on Apple Podcast. Subscribe to receive real-time market updates.

The Market Always Continues to Rise: It Only Rises and Never Falls

Listening on Podcast has fewer ads. 2024 First Investment Class Life Lecture Notes https://drive.google.com/file/d/1w5qqLAYAZFVthjwwKEnOWos6YSgiXJuB/view?usp=drivesdk

00451 "2024" First Investment Class: An Investment Life Lecture Worth 100 Million Yuan. December 29, 2023. CLEC Investment and Financial Management Channel. Listen on Apple Podcast: https://podcasts.apple.com/us/podcast/00451-2024%E5%B9%B4%E5%BA%A6-%E6%8A%95%E8%B3%87%E7%AC%AC%E4%B8%80%E5%A0%82%E8%AA%B2-%E5%83%B9%E5%80%BC%E4%B8%80%E5%84%84%E5%85%83%E7%9A%84%E6%8A%95%E8%B3%87%E4%BA%BA%E7%94%9F%E8%AC%9B%E5%BA%A7-2023%E5%B9%B412%E6%9C%8829%E6%97%A5-clec%E6%8A%95%E8%B3%87%E7%90%86%E8%B2%A1%E9%A0%BB%E9%81%93/id1844141389?i=1000732441633&amp;l=zh-Hant-TW

CLEC Investment and Financial Management Education Academy 00451 "2024" First Investment Class: An Investment Life Lecture Worth 100 Million Yuan. December 29, 2023. CLEC Investment and Financial Management Channel https://youtu.be/4FMjmyBpTzw

It Is Wonderful and Happy When the Market Rises Every Day 🍂🌷🌹🌸🌼🌺🌻 🌞💫✨🌟🌈🌈❤

We have a pinned message in the YouTube comments where you can download handouts and find other related links.

• Or write me an email

• [email protected]

• [email protected]