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00547 [The real risk is not a downturn; only asset allocation that passes stress tests can survive.]00548 [Why can QQQI dividends feel stable and reassuring? The key is asset allocation and managing human nature, not the payout itself.]00549 [Investing is about choosing a system, not a ticker: non-U.S. tax residents should avoid U.S. accounts, stop worshiping bargain hunting, and young investors should avoid high dividends.]00550 [Not everyone is suited to getting rich with borrowed money; temperament matters more than returns.]00551 [Three fatal problems with Pre-Tax IRA accounts: RMD, high tax rates, and double taxation.]00552 [The fatal risks you may not know: without this, investing is hollow; taxes, inheritance, and misallocation.]00553 [How to use a QQQI + 433 allocation to build retirement cash flow with assets equal to 15 times annual expenses.]00554 [Born into capitalism: people trapped in the maze, and people with a map.]00555 [From worker to capitalist: boarding the ark of capitalism.]00556 [Why not repay stock-backed loans? The larger your assets, the more money you can use each year.]00557 [If the market falls 80%, can you still hold on? The key is asset allocation.]00558 [Investing is not trading; it is risk management: upgrading your cycle thinking.]00559 [The essence of dollar hegemony; when retirement savings are insufficient, how can you build stable cash flow for retirement?]00560 [You are not losing to the market; you are losing to your emotions: the truth about retail investing.]00561 [The market is not hard; the problem is human nature: the harsh truth about investment cycles.]00562 [Buy whenever you have money and never sell: why most people cannot get back in once they sell.]00563 [There is no standard answer in investing: from change to awakening, find your own path in life.]00564 [The greatest risk in life is not volatility, but living your whole life without assets.]00565 [Waiting is the dumbest investment strategy. You are not a god; buy at the market price now.]00566 [What makes PAL powerful: if you can avoid repaying the debt, do not repay it, so assets can pass from generation to generation.]00567 [Wealth is a gift: QQQ will eventually reach one thousand, ten thousand, and even one million.]00568 [Those who can change themselves are extraordinary; those who try to change others are deluded: after financial freedom, stop trading your life for trash.]00569 [Once you have assets worth 15 times annual expenses, stop selling your life for money; the broom of a Tibetan monk woke up countless lives.]00570 [Investing can make you wealthy, but relationships are what truly determine whether you are happy.]00571 [The truth about financial freedom: early retirement does not come from pinching pennies. In the AI boom, you need a Han Xin troop-counting starter-capital strategy.]00572 [The Investor's Declaration of Financial Independence]00573 [Only One Thing Truly Made Me Wealthy: Buy, Hold, and Never Sell!]00574 [Consumption Is the Mother of the Economy; Spending by the Wealthy Is a Virtue!]00575 [What Truly Teaches You Is Not the Result, but the Process!]00576 [Waiting Is Not a Strategy; Buying and Holding for the Long Term Is the True Path to Investing!]00577 [It Is Not Too Late to Invest in Your Sixties or Seventies: From 17 Times Annual Expenses and Pre-Retirement Credit Loans to QQQI Asset Allocation]00578 [In Education, Parents Shape Their Children by Example; In Investing, Why Do We Not Follow Buffett?]00579 [Children Become Adults, Parents Become Children: On Retirement Withdrawals, Slow Breathing, and the Rising Taiwan Dollar]00580 [Nvidia's Strong Earnings: Do Not Get Off the QQQ Train Too Easily—A Full Analysis of Retirement Allocation and the Investor Mindset]00581 [Do Not Blindly Trust AI or Neglect Your Partner: Give Yourself a Break and Rediscover Happiness and Freedom]00582 [Borrow Early to Get Ahead? Use Low-Interest Capital to Build Wealth While Young]00583 [Why Are You Still Afraid to Retire When You Have Enough Money? Think Through Life After Financial Freedom]
2026 Files
Hundred-Million Investment Life Lecture
X (Twitter)
Presentations2026

00549 [Investing is about choosing a system, not a ticker: non-U.S. tax residents should avoid U.S. accounts, stop worshiping bargain hunting, and young investors should avoid high dividends.]

00549 [Investing is about choosing a system, not a ticker: non-U.S. tax residents should avoid U.S. accounts, stop worshiping bargain hunting, and young investors should avoid high dividends.]

00549 [Investment is not a target, it's a system: non-U.S. taxers don't touch American accounts, don't copy superstitions, young people don't touch high dividends.] cover
Number: 00549
Published: 2026-01-17
Pages: 24
Source filename: 00549 【投資不是選標的,是選制度:非美國稅務居民別碰美國帳戶、別迷信抄底、年輕人別碰高股息】日期:2026年1月17日簡報資料.pptx.pdf
Original file: Open file

Related Materials

  • Previous presentation: 00548 [Why can QQQI dividends feel stable and reassuring? The key is asset allocation and managing human nature, not the payout itself.]
  • Next presentation: 00550 [Not everyone is suited to getting rich with borrowed money; temperament matters more than returns.]

Document Text

The market only rises over the long term

Clubhouse Easy Investing Chat, CLEC Investment and Wealth Management Channel, YouTube, January 17, 2026, YouTube video number 00549.

Thank you for your service and for the expectation that more people will follow you.

  • I am Kevin from mainland China. I recently moved your program to Ximalaya so listeners in mainland China who do not use a VPN can still listen. I have already moved 153 episodes and will gradually move all podcast episodes over while continuing to update the weekly episodes.

  • This is the Ximalaya link.

  • https://m.ximalaya.com/selfshare/albumnew/110339131 https://m.ximalaya.com/selfshare/albumnew/110339131

  • Thank you for your service and for the expectation that more people will follow you.

  • https://docs.google.com/presentation/d/1SbSt6n1A_nxY9LFZs5zLeIQnd-gvFCmw/edit?usp=drivesdk&ouid=113923943543023279904&rtpof=true&sd=true

Market volatility has nothing to do with me!

  • Market volatility has nothing to do with me!

  • International affairs have nothing to do with me!

  • Market analysis has nothing to do with me!

  • Financial statements have nothing to do with me!

  • Economic conditions have nothing to do with me!

  • None of it has anything to do with me!

  • Ignore the noise and swings of the market!

Disclaimer

Our videos and related content are for educational purposes only and are not for profit. We do not have any discussion groups or communities. If anyone invites you to join one, please beware of scams.

For more than twenty years, we have been committed to volunteer teaching and have never profited from it. Do not trust any paid investment advice. Although ads may appear on YouTube videos, that is outside our control and we do not profit from it.

All information we provide is only a sharing of personal experience and is not advice from a Certified Financial Advisor/Planner. Investment decisions should be based on personal research and should not rely only on video content.

Investing carries high risk and may lead to significant losses. If you cannot tolerate a loss of more than 10% in the short term or a decline of more than 20% over several years, we recommend that you do not invest. Please protect your cash flow and act only after fully understanding our investment philosophy. Invest carefully; every decision is your own responsibility.

My pinned comment in the YouTube comments section provides the handout download and related links.

Investors are always extremely optimistic!

Investors always face the sunlight!

The market will ultimately rise!

Investing requires patience!

Wealth is worth waiting for!

Subscribe, leave a comment, tap 👍, and share. On Apple Podcasts, remember to give five ⭐. Subscribe to receive timely market updates.

The market keeps rising forever; it only rises and does not fall

Beware of this scammer on Clubhouse

This ID is a scam account; they often change IDs.

Beware of this scammer on Clubhouse

This is a new scam account. The ID is fraudulent, and they often change IDs.

It's a fraud. Be careful. I won't contact you directly unless you ask me something.

  • I am deeply influenced by your philosophy and have long hoped to move your videos to WeChat Channels, Weibo, and Douyin so more people can encounter your investment wisdom and find like-minded people to execute the QQQ strategy together.

  • I now use my off-hours every day to upload several videos regularly, with the plan to gradually upload all of your videos to WeChat Channels. So far, I have uploaded more than 100 videos each on Weibo, WeChat Channels, and Douyin, but exposure has been poor and not many people know about them.

  • Besides, I'm in Peter's community, and Peter told me about you. I hope I'm moving, which is more determined to spread your mind.

  • Therefore, I would like to ask the teacher to inform the fans of the mainland about this; at the same time, I would like to ask you to show my micro-view. Channels, helping to spread the spread, allow more white investors like me to benefit from teachers' ideas.

Hong Kong does not have a local 2x fund. If there is no 2x fund, it is not considered.

  • Non-U.S. tax residents (NRA) can use LQQ (ISIN: FR000342592), a 2x NASDAQ 100 fund. Because it is not a U.S. corporate stock or U.S.-registered ETF, it is often used to reduce or avoid U.S. estate tax risk. U.S. estate tax for non-U.S. residents mainly targets U.S. Situs Assets, including U.S. corporate stocks and U.S.-registered ETFs. A French-registered UCITS ETF is generally regarded as a non-U.S. asset, usually based on fund domicile rather than trading venue.

Southern dividend low 50 EF connection A (00163)

  • Those who have retired in China need to have high dividends in cash to support their retirement income can invest as much as they can. Young people still work and do not invest as much as they can!

  • Southern dividend low 50 EF connection A (00163)

  • Basic profile of the Fund ' s 50 ETF connection A (00163) low-yielding Southern dividend Fund files Daily Fund network dividends 15 +

  • https://fundf10.eastmoney.com/jbgk_008163.html

  • The Southern dividend is low by 50 ETF (515450).

  • Basic profile of the Fund at a low of 50 ETF (515450) Southern dividend Fund file 8 per cent of the interest of the Day-to-day Fund + * URL 50.html

It's a low point, the market is always new, and any past or present is a low point!

  • The whole of 2022 was low!

  • It's a low point, the market is always new, and any past or present is a low point!

You think April 2001 was supposed to be the low point of rebalancing, and then it fell every month. Bottom

  • If the year 2022 were to be the year 2000 again, you thought it was a good rebalancing point, and the end of 2000 fell.

  • You think April 2001 was supposed to be the low point of rebalancing, and it fell every month, and it kept falling, and you did it every month.

  • You're not at the bottom of 2003. You're broke or scared!

The children are the best people to learn. The elephant.

  • Kids are like angels, and we've forgotten when we were adults, and kids have angel qualities.

  • Families are the greatest support for their children, and we do not need to give too much money or much material, that is to say, company and support, which are the greatest nutrients for our children.

  • It's called performance, asset efficiency.

  • This is not a matter of allocation.

  • It's not our plan to decide.

  • We're not trying to decide.

  • It's not our decision at all!

The extra investment is invested in the allocation of 00662,433 assets as value added.

  • At least 15 times the annual cost of capital, it does not have to be 25 times or more. For friends who are unable to retire to a high capital, they can invest partially in QQQI or local dividends, or they can retire to low capital.

  • Recently, we have been able to obtain 10%+ dividends from QQQI, which is part of the investment portfolio, and close to high rates from other locations, which can be used to satisfy the retirement cash flow.

The extra investment is invested in the allocation of 00662,433 assets as value added.

  • But young people, people who have not retired, and people who are still working should not invest in low-return, high-dividend assets, because low returns are the greatest risk for young people.

Or you'll have nothing after the house is finished.

  • You have to sell the house to save it.

  • Or you'll have nothing after the house is finished.

  • If you lose your job, you lose your house and everything!

  • The house is a very dangerous asset, not an investment, a financial bomb!

CLEC Investment in First Class of the 00451 School of Education: 100 million dollars worth of the CLC Investment Life Seminar on 29 December 2023

The market rises every day. It is wonderful and joyful 🍂🌷🌹🌸🌼🌺🌻 🌞💫✨🌟🌈🌈❤

Our pinned comment in the YouTube comments section provides the handout download and other related links.

  • or email me.

  • [email protected]

  • [email protected]

00548 [Why can QQQI dividends feel stable and reassuring? The key is asset allocation and managing human nature, not the payout itself.]

00548 [Why can QQQI dividends feel stable and reassuring? The key is asset allocation and managing human nature, not the payout itself.]

00550 [Not everyone is suited to getting rich with borrowed money; temperament matters more than returns.]

00550 [Not everyone is suited to getting rich with borrowed money; temperament matters more than returns.]

Table of Contents

Related MaterialsDocument TextThe market only rises over the long termMarket volatility has nothing to do with me!Investors are always extremely optimistic!The market keeps rising forever; it only rises and does not fallBeware of this scammer on ClubhouseBeware of this scammer on ClubhouseSouthern dividend low 50 EF connection A (00163)The children are the best people to learn. The elephant.Or you'll have nothing after the house is finished.