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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

00560 [You are not losing to the market; you are losing to your emotions: the truth about retail investing.]

00560 [You are not losing to the market; you are losing to your emotions: the truth about retail investing.]

00560 [You're not losing in the market, you're losing in the mood!] cover
Number: 00560
Published: 2026-04-11
Pages: 26
Source filename: 00560【你不是輸在市場,是輸在情緒!散戶投資的真相】日期:2026年4月11日簡報資料.pptx.pdf
Original file: Open file

Related Materials

  • Previous presentation: 00559 [The essence of dollar hegemony; when retirement savings are insufficient, how can you build stable cash flow for retirement?]
  • Next presentation: 00561 [The market is not hard; the problem is human nature: the harsh truth about investment cycles.]

Document Text

The market only rises over the long term

Clubhouse, easy talk about investing in CLEC, YouTube, April 11, 2026, video number 00560.

  • 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.

Thank you, Peter Li, for translating our first class into a book of 100 million dollars worth of investment chairs.

  • CLEC Bold Book - v2.docx {URL 6gpnLJEW?usp=drivesdk

  • https://drive.google.com/file/d/1hByM54W4vliR2AzSU84KCiTRPm5ps6QL/view?usp=drivesdk

  • It's funny, I went to this bubble-mart store yesterday and bought my wife a little patch, and my daughter bought him a month ago, of course, a blind box, and it's a pretty good idea to have that little bag with a headphone or something on the backpack.

  • I don't know much about the company's industry and research, so I can't tell you if it's a good investment, as if no one knows when it's a good investment, unless you have a professional investment analysis.

  • Some of the people who invest in Starbucks make money, and I'm the one who invests in Starbucks 30 years ago, and I can't make money in Starbucks five or six years ago, so it's easy to buy it with a company and sell it when it's too late.

  • It's the fate of the proletariat to invest in a share.

  • It's not about the good or the bad, it's about our abilities. It's hard to invest in a stock! It's still more suitable for most investors!

  • Thank you very much, James Chen, in addition to the sophisticated and transparent financial system, the philosophy of life has infected you, and we have gathered together to listen to each other's festivals, and we've been very diligent in listening to hundreds or so of them, like the family Jane, and we have so much to talk about.

00560 [You are not losing to the market; you are losing to your emotions: the truth about retail investing.] - figure 16-2: Stylized group photo of nine community members posing with peace and heart signs in a modern hotel lobby 00560 [You are not losing to the market; you are losing to your emotions: the truth about retail investing.] - figure 16-3: Illustrated close-up group selfie of eight people smiling and making peace signs, one wearing a face mask 00560 [You are not losing to the market; you are losing to your emotions: the truth about retail investing.] - figure 16-4: Illustrated scene of a group seated around a dining table making peace signs 00560 [You are not losing to the market; you are losing to your emotions: the truth about retail investing.] - figure 16-5: Overhead photo of eight hands making peace signs around a hand-drawn napkin sketch of a baby

Investing and peace of mind are built on stability. Steady emotions lead to profits.

  • It's good to feel comfortable when the market rises and falls.

  • It's up there in my hands.

  • It's my cash that's going down!

I understand your emotions; it is normal, because we are easily driven by stock prices.

  • I do not want to be moved by emotions, so when the market rises I ask you to rebalance. QQQ (00662; 513100) continuing to rise in the market makes us feel better.

  • Cash still has to wait for the timing, and the high-realty part is defense, not defense, not battle, not market, steady waiting times!

  • We're not getting extra profits, we're just waiting for the right time!

You can make less money in the market, but you can't lose control!

  • If you lose control over the market, it means you're going to kill high!

  • The market rises, and you want the leverage you have to keep making money;

  • The market is falling, thinking of the cash in your hand.

  • Investors will always look up to the light!

00560 [You are not losing to the market; you are losing to your emotions: the truth about retail investing.] - figure 20-1: Screenshot of a QQQ backtesting tool showing an asset-growth net-value chart comparing three allocation strategies (80-20, 70-30, 35-65) from 2000 to 2026 00560 [You are not losing to the market; you are losing to your emotions: the truth about retail investing.] - figure 21-1: Backtesting tool asset-growth net-value chart comparing four pledged-asset borrowing strategies (80/20 at 2%, 65/35 at 3%, 50/50 at 4%, 30/70 at 5%) from 2000 to 2026

Run the above program and import the following files!

https://clec-strategy-backtest.vercel.app/

  • Run the above program and import the following files!

  • No collateral for retirement mobilization and asset allocation.json

  • https://drive.google.com/file/d/1wAnljyTNbYsXoW976J_OW7gAMft5zMet/view?usp=drivesdk

  • The non-primitment is low on the pledge.

  • The risk of non-coalition is high.

  • Even so, don't be shy. Some people don't fit in. Some people do. Good tools can vary from person to person. The same food can be either a supplement or poison!

Yeah, a joke, a man sees a tiger, he's not afraid, he's eaten!

  • ♪ I'm a child ♪

  • The technical analysis you mentioned can be read in books. After spending so much time with the teacher, the whole idea is still long-term investing. This time the teacher reminded me that cycles should stay in memory: how do we avoid being carried away by the market and then selling? This must be learned through experience, not just reading.

  • Thank you, sir.

  • Yeah, a joke, a man sees a tiger, he's not afraid, he's eaten!

  • In heaven, God asked how he died, he said he was bitten by a tiger. Did God say you didn't know you saw a tiger running?

  • He said he knew, God said, "Why don't you run away?" He said, "I know I saw a tiger running, but I've never seen a tiger look like a tiger!

CLEC Investment and Wealth Management Education Academy 00451, 2024 Edition, The First Investment Lesson: Investment Life Lecture Worth 100 Million. December 29, 2023. CLEC Investment and Wealth Management Channel https://youtu.be/4FMjmyBpTzw

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]

00559 [The essence of dollar hegemony; when retirement savings are insufficient, how can you build stable cash flow for retirement?]

00559 [The essence of dollar hegemony; when retirement savings are insufficient, how can you build stable cash flow for retirement?]

00561 [The market is not hard; the problem is human nature: the harsh truth about investment cycles.]

00561 [The market is not hard; the problem is human nature: the harsh truth about investment cycles.]

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 ClubhouseYou can make less money in the market, but you can't lose control!Run the above program and import the following files!Yeah, a joke, a man sees a tiger, he's not afraid, he's eaten!