00563 [There is no standard answer in investing: from change to awakening, find your own path in life.]

00563 [There's no standard answer to investing: from change to awakening, to finding your life. Province] cover

Number: 00563

Published: 2026-05-02

Pages: 27

Source filename: 00563 【投資沒有標準答案：從變革到覺醒，找到屬於你的人生之道】日期：2026年5月2日簡報資料 .pptx.pdf

Original file: Open file

Previous presentation: 00562 [Buy whenever you have money and never sell: why most people cannot get back in once they sell.]
Next presentation: 00564 [The greatest risk in life is not volatility, but living your whole life without assets.]

Document Text

The market only rises over the long term

Clubhouse, easy talk about investing in CLEC, YouTube, 2 May 2026, Video 00563.

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.

The American Innovation Society is so powerful that after listening to this film, you will know it. This is the cornerstone of understanding the power of the United States, the smart money of the United States.
https://youtu.be/GKbLbcIlgSU?si=NmvnWNy-iXL7Ooga

I recently painted the YouTube comment section of the cec channel, and I saw students on some continents worried that the VPN blockade had led to a loss of connection and that updated information was not timely (e.g., the cycles).
I used to listen to podcasts in mainland China, usually through Apple Podcasts. I know some classmates moved the teacher's short videos to Ximalaya, but Ximalaya has content review and too many ads.
And then my programmer's DNA moved, and, with Gemini's help, developed an automatic capture playlist and updated the popcast subscription rss. Eventually it will be possible to get an update in half an hour once the teacher has published a new short piece on YouTube. And it can be used on Podcasts with apples, and there should be an open source program for Androids. Audio files are hosted on cloudflare and should not be blocked. And it takes two steps in total. If you think it's worth it, you can put it somewhere to let people know.
Thank you again for sharing such good information!
The RSS link is: URL, with the following operating instructions for Apple with Podcasts:

Our investment philosophy is just one starting point, not the end.

Change

Our investment philosophy is just one starting point, not the end.
Our investment philosophy is the starting point of a solid foundation, not the end of the whole face of investment.
Be brave to be true to good, and to build the towers to see the farthest view is change!
All who broadcast our channel are preachers, so that more people will know us, save more people, eradicate more poverty, not challenge them, but love and protect them!

There's no standard answer in life. Only you know what's right for you.

There is no standard answer to investment, there is no need to treat anything I say as the only answer, let alone challenge others or defend every word I say. Take everything seriously. It's a bookmaker. It doesn't make sense!
I don't want to leave a message challenging people, challenging people representing your ignorance. Or to challenge the preachers of our channel. You must encourage the preachers who love us and respect the words of others. A preacher does not give a precise standard answer, but rather a philosopher who spreads the concept. No one in your investment life can give you a standard answer.
There is no standard answer to life, only one knows what's right for one's own answer.
Remember, always remember, there's no answer for everyone, so there's no so-called standard answer. The standard answers are only for themselves.
Remember that what you think is "right" is just "right" for yourself, not necessarily for others, but probably "improper".

So always say to yourself, "I may be wrong!" "I'm wrong," "other people are right!" is critical.

There's no such thing as an inch!

It's like growing up. Parents want our kids to fall in front of us, and not to fall out.

It's better to take you all away, to know what the difficulties of a week and a camp are, at least in the security I think it's better to listen to outside messing around!
It's like growing up, and parents always want our kids to fall before us, and not to fall outside.
It's the best strategy to make people more sure that they have money to buy or not sell!

@panny228 - 51 minutes ago

QQQI is short-lived and benefits from high-tech growth, how can it reduce the risk of high and unstable rates when it goes down?
And answer your question: "Do not expect too much!"
Conservatively, we can use the dividends rate of 8-10%.
In return, you can get an annual salary of 6%, 8%, 10%, 12%, 15%, 18%.
Investment estimates, conservatives are always right!

So finance-type mortgages can be used to borrow some of the high dividends to get some of the cash to grow.

If you borrow 10,000,000 out of the loan, you need to invest 15,000,000 to get cash from the loan.
The usual situation in Taiwan is your credit loan of 1,000,000, and you're supposed to pay about $13,500 a month, so you need to invest $1.35 million in QQQI to get the gold flow, which is not going to work! So credit is usually affordable with pay.
But finance-based mortgages differ, 10,000,000 loans can be loaned for 25 years, $45,000 to $50,000 a month, and you just put 5,000,000 in high-equity QQQI, and another 5,000,000 in the extended 00662 asset allocation. This is worth borrowing!
So finance-based mortgages can be used to borrow part of the high dividends to get the cash flow part to grow.
In the past, without QQQI, we were unable to provide a solution to the relative stabilization of cash flows for retired and mortgaged friends!
Now we have an extra QQQI, which is why we're giving retired people another settlement!

In the past, QQQI has been listed at the lowest rate of 0.53 per share in January.

Added at highest share price, lowest dividends rate of 1.17% per month
(1+1.17%)^12-1=0.15
So the minimum annualized rate of the past and time paid is 15%.
QQQ returns are not known in the future, 6-20%, but you're looking for a return rate that you think you can accept or be robust.
And you don't use the maximum dividends rate to calculate the same high dividends, and you can consider an eight- or a seven-sum estimate of the estimated dividends, and that's life.

QQQ will fall, too!

QQQI returns 14% of the stock, 1% of the stock, and QQQI returns 14-1% = 0.13 (13%).
(18-13)/18 = 0.278, so QQQI's pet recovery damage is almost 25%.
QQQI has a part of the principal return, which is for tax purposes, because you pay taxes at dividends, you pay them back, no taxes!

It's usually a domestic fund!

Not a Taiwan resident. To avoid withholding taxes, JEPQ.L invests in the U.S. Internet ID IBKR to avoid withholding taxes on dividends!
IBKR will be placed in the trust to prevent the funds from being taxed by the United States.

Everyone's life is different than their goals!

I'm free to write my life in my own soul and add colour to my canvas!
However, some people are confined to money because of the lack of freedom of opinion.
There are two kinds of people who are locked in money:
The first is that money is not enough to free the soul of one's life.
Another type of person is insatiable, is free and has enough money, but does not want to stop looking for money, which is another type of money that is held hostage.
We are seeking freedom and the liberation of the soul, not money!

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.

Number: 00563

Published: 2026-05-02

Pages: 27

Source filename: 00563 【投資沒有標準答案：從變革到覺醒，找到屬於你的人生之道】日期：2026年5月2日簡報資料 .pptx.pdf

Original file: Open file

Previous presentation: 00562 [Buy whenever you have money and never sell: why most people cannot get back in once they sell.]
Next presentation: 00564 [The greatest risk in life is not volatility, but living your whole life without assets.]

Document Text

The market only rises over the long term

Clubhouse, easy talk about investing in CLEC, YouTube, 2 May 2026, Video 00563.

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

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.

The American Innovation Society is so powerful that after listening to this film, you will know it. This is the cornerstone of understanding the power of the United States, the smart money of the United States.
https://youtu.be/GKbLbcIlgSU?si=NmvnWNy-iXL7Ooga

I recently painted the YouTube comment section of the cec channel, and I saw students on some continents worried that the VPN blockade had led to a loss of connection and that updated information was not timely (e.g., the cycles).
I used to listen to podcasts in mainland China, usually through Apple Podcasts. I know some classmates moved the teacher's short videos to Ximalaya, but Ximalaya has content review and too many ads.
And then my programmer's DNA moved, and, with Gemini's help, developed an automatic capture playlist and updated the popcast subscription rss. Eventually it will be possible to get an update in half an hour once the teacher has published a new short piece on YouTube. And it can be used on Podcasts with apples, and there should be an open source program for Androids. Audio files are hosted on cloudflare and should not be blocked. And it takes two steps in total. If you think it's worth it, you can put it somewhere to let people know.
Thank you again for sharing such good information!
The RSS link is: URL, with the following operating instructions for Apple with Podcasts:

Our investment philosophy is just one starting point, not the end.

Change

Our investment philosophy is just one starting point, not the end.
Our investment philosophy is the starting point of a solid foundation, not the end of the whole face of investment.
Be brave to be true to good, and to build the towers to see the farthest view is change!
All who broadcast our channel are preachers, so that more people will know us, save more people, eradicate more poverty, not challenge them, but love and protect them!

There's no standard answer in life. Only you know what's right for you.

There is no standard answer to investment, there is no need to treat anything I say as the only answer, let alone challenge others or defend every word I say. Take everything seriously. It's a bookmaker. It doesn't make sense!
I don't want to leave a message challenging people, challenging people representing your ignorance. Or to challenge the preachers of our channel. You must encourage the preachers who love us and respect the words of others. A preacher does not give a precise standard answer, but rather a philosopher who spreads the concept. No one in your investment life can give you a standard answer.
There is no standard answer to life, only one knows what's right for one's own answer.
Remember, always remember, there's no answer for everyone, so there's no so-called standard answer. The standard answers are only for themselves.
Remember that what you think is "right" is just "right" for yourself, not necessarily for others, but probably "improper".

So always say to yourself, "I may be wrong!" "I'm wrong," "other people are right!" is critical.

There's no such thing as an inch!

It's like growing up. Parents want our kids to fall in front of us, and not to fall out.

It's better to take you all away, to know what the difficulties of a week and a camp are, at least in the security I think it's better to listen to outside messing around!
It's like growing up, and parents always want our kids to fall before us, and not to fall outside.
It's the best strategy to make people more sure that they have money to buy or not sell!

@panny228 - 51 minutes ago

QQQI is short-lived and benefits from high-tech growth, how can it reduce the risk of high and unstable rates when it goes down?
And answer your question: "Do not expect too much!"
Conservatively, we can use the dividends rate of 8-10%.
In return, you can get an annual salary of 6%, 8%, 10%, 12%, 15%, 18%.
Investment estimates, conservatives are always right!

So finance-type mortgages can be used to borrow some of the high dividends to get some of the cash to grow.

If you borrow 10,000,000 out of the loan, you need to invest 15,000,000 to get cash from the loan.
The usual situation in Taiwan is your credit loan of 1,000,000, and you're supposed to pay about $13,500 a month, so you need to invest $1.35 million in QQQI to get the gold flow, which is not going to work! So credit is usually affordable with pay.
But finance-based mortgages differ, 10,000,000 loans can be loaned for 25 years, $45,000 to $50,000 a month, and you just put 5,000,000 in high-equity QQQI, and another 5,000,000 in the extended 00662 asset allocation. This is worth borrowing!
So finance-based mortgages can be used to borrow part of the high dividends to get the cash flow part to grow.
In the past, without QQQI, we were unable to provide a solution to the relative stabilization of cash flows for retired and mortgaged friends!
Now we have an extra QQQI, which is why we're giving retired people another settlement!

In the past, QQQI has been listed at the lowest rate of 0.53 per share in January.

Added at highest share price, lowest dividends rate of 1.17% per month
(1+1.17%)^12-1=0.15
So the minimum annualized rate of the past and time paid is 15%.
QQQ returns are not known in the future, 6-20%, but you're looking for a return rate that you think you can accept or be robust.
And you don't use the maximum dividends rate to calculate the same high dividends, and you can consider an eight- or a seven-sum estimate of the estimated dividends, and that's life.

QQQ will fall, too!

QQQI returns 14% of the stock, 1% of the stock, and QQQI returns 14-1% = 0.13 (13%).
(18-13)/18 = 0.278, so QQQI's pet recovery damage is almost 25%.
QQQI has a part of the principal return, which is for tax purposes, because you pay taxes at dividends, you pay them back, no taxes!

It's usually a domestic fund!

Not a Taiwan resident. To avoid withholding taxes, JEPQ.L invests in the U.S. Internet ID IBKR to avoid withholding taxes on dividends!
IBKR will be placed in the trust to prevent the funds from being taxed by the United States.

Everyone's life is different than their goals!

I'm free to write my life in my own soul and add colour to my canvas!
However, some people are confined to money because of the lack of freedom of opinion.
There are two kinds of people who are locked in money:
The first is that money is not enough to free the soul of one's life.
Another type of person is insatiable, is free and has enough money, but does not want to stop looking for money, which is another type of money that is held hostage.
We are seeking freedom and the liberation of the soul, not money!

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.

00563 [There is no standard answer in investing: from change to awakening, find your own path in life.]

Document Text

The market only rises over the long term

Market volatility has nothing to do with me!

Investors are always extremely optimistic!

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

Beware of this scammer on Clubhouse

Beware of this scammer on Clubhouse

Our investment philosophy is just one starting point, not the end.

@panny228 - 51 minutes ago

QQQ will fall, too!

It's usually a domestic fund!

Everyone's life is different than their goals!

Table of Contents

00563 [There is no standard answer in investing: from change to awakening, find your own path in life.]

Document Text

The market only rises over the long term

Market volatility has nothing to do with me!

Investors are always extremely optimistic!

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

Beware of this scammer on Clubhouse

Beware of this scammer on Clubhouse

Our investment philosophy is just one starting point, not the end.

@panny228 - 51 minutes ago

QQQ will fall, too!

It's usually a domestic fund!

Everyone's life is different than their goals!

Table of Contents