00695 2026 First Investment Lesson: A 1 Billion Yuan Investment Lecture, Chapter 2, May 6, 2026 (128kbit_AAC)

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Voice note: 00695 2026 First Investment Lesson, "A 1 Billion Yuan Investment Lecture," Chapter 2, May 6, 2026 (128kbit_AAC)

[0:00:00,000 – 0:00:04,600]Hello everyone

[0:00:05,880 – 0:00:09,980] Today is May 6, 2026

[0:00:10,240 – 0:00:16,380]Today’s video number 00695 is the first investment lesson in 2026

[0:00:16,640 – 0:00:19,720] Chapter 2 of the 1 Billion Yuan Investment Lecture

[0:00:20,480 – 0:00:24,060] Today we talk about the correct targets for long-term investment

[0:00:25,080 – 0:00:28,420]Before I started because I wanted to

[0:00:28,880 – 0:00:32,460] Spending this time talking about this is just saying

[0:00:36,040 – 0:00:42,180] This friend on the message board is 28 years old and he has no sisters.

[0:00:42,440 – 0:00:43,940] Investing doesn’t save money either

[0:00:44,460 – 0:00:50,340] Then there is only a loan and the borrowed money is used to spend it. Then he introduces

[0:00:50,600 – 0:00:52,380] This video is for their family

[0:00:52,640 – 0:00:54,180]You’re the one talking

[0:00:54,640 – 0:01:00,780] If a friend introduced you to this place, you’d better listen carefully, otherwise you can’t take care of yourself now.

[0:01:01,040 – 0:01:06,160] If you do not plan properly for retirement and spend everything each month,

[0:01:06,680 – 0:01:12,060]Don’t take it lightly. You will be the homeless person wandering the streets in the future.

[0:01:12,560 – 0:01:18,700] So this friend is worried that his sister doesn’t invest in the family and doesn’t manage money.

[0:01:19,680 – 0:01:25,820] Then it’s okay if you have a family to rely on. What if you don’t have a family to rely on? Then what should we do?

[0:01:26,080 – 0:01:26,600] just sitting by and doing nothing.

[0:01:27,360 – 0:01:33,500]This is the situation we least like to see. Everyone doesn’t care.

[0:01:33,760 – 0:01:38,360] It doesn’t matter. If you have money, just spend it. If you don’t have money, don’t spend it. Is it like this? In the end, you will

[0:01:38,620 – 0:01:40,160] Living on the streets

[0:01:40,680 – 0:01:46,820] Homelessness is you, you will be you, don’t take it lightly, a friend introduced you

[0:01:46,980 – 0:01:51,840] Listen carefully to our videos, otherwise you will become poor and you will become homeless.

[0:01:52,620 – 0:01:54,660]My friend has been so careful

[0:01:55,180 – 0:02:01,320] I introduced it to you, but you didn’t look at it carefully. This friend introduced it to your sister, and the sister didn’t look at it either.

[0:02:01,580 – 0:02:02,080]No one at home to care about

[0:02:02,860 – 0:02:04,120] So if

[0:02:04,900 – 0:02:10,260] If you only know how to enjoy life and don’t save money, then you will become homeless.

[0:02:10,520 – 0:02:14,860] The dirty old man is fine, so sometimes when talking about this kind of thing, I just feel

[0:02:15,700 – 0:02:21,840] People who are helpless and unable to awaken will always be poor. 99.99% of people are poor.

[0:02:22,100 – 0:02:23,880] And now the AI starts

[0:02:24,400 – 0:02:30,540] AI is a paradigm shift that will replace all humans in the world and 99.999 people will become poor.

[0:02:30,800 – 0:02:31,860] Pauper

[0:02:32,380 – 0:02:36,960] Finally, it depends on whether the government should provide this basic income.

[0:02:37,720 – 0:02:42,340] So sometimes we are helpless and have no way to save it.

[0:02:43,100 – 0:02:44,620] Seeing this

[0:02:45,140 – 0:02:50,500] This friend leaves so many messages like this. I think he feels helpless.

[0:02:50,760 – 0:02:52,800]I don’t know what his heart is like

[0:02:53,060 – 0:02:58,440] He also thinks it doesn’t matter, look at him, hello teacher

[0:02:58,940 – 0:03:00,740] Hello what is

[0:03:02,020 – 0:03:05,600] Be cautious, cautious, and cautious

[0:03:06,120 – 0:03:07,400] And a friend

[0:03:07,900 – 0:03:12,760] That is to say, a friend introduced us to our video and after watching it, he said

[0:03:13,740 – 0:03:17,580] I don’t have money to invest. I still have to pay the loan every month.

[0:03:17,840 – 0:03:19,620] Then if I don’t work

[0:03:20,140 – 0:03:22,440]How can I invest without working as a laborer?

[0:03:26,020 – 0:03:31,140] Why do you want to buy a house? My only advice is don’t buy a house.

[0:03:31,400 – 0:03:32,420] Sold the house

[0:03:32,680 – 0:03:37,280] It’s that simple. Don’t talk about investment first. Just sell the house first and you’ll have money to invest.

[0:03:38,060 – 0:03:39,580] Why are you buying a house?

[0:03:40,460 – 0:03:44,300]Tell me how I can invest now if I don’t work as a laborer

[0:03:44,560 – 0:03:46,600] He can’t make any money as a laborer

[0:03:46,860 – 0:03:50,400] I have to pay off the loan after making money, so how can I invest? Please help me find a way.

[0:03:50,660 – 0:03:52,460] People who write emails like this

[0:03:53,220 – 0:03:54,260]How do I solve it?

[0:03:55,820 – 0:03:57,340] Just sell the house.

[0:03:58,100 – 0:04:02,440] There is no other solution. Let’s go back to today’s lesson.

[0:04:02,960 – 0:04:06,820]The correct target for our long-term investment is

[0:04:07,580 – 0:04:08,860]You’re the first

[0:04:09,180 – 0:04:11,500] The second one to invest in is the right one

[0:04:13,040 – 0:04:18,200] The most important thing for our second investment today is to choose the right target.

[0:04:18,700 – 0:04:23,540] Otherwise, if you choose the wrong label, many people will choose somethingVT

[0:04:23,800 – 0:04:27,660] VOOSPY That will never achieve the goal

[0:04:29,180 – 0:04:35,320] When everyone already has 1.1 billion, you will be poor if you have tens of millions, so it is very important to be the first to choose the target.

[0:04:35,480 – 0:04:41,620]Don’t think that when Buffett says to invest in index funds, just invest in SPY.

[0:04:42,640 – 0:04:49,820] Buffett is almost gone. It’s none of your business if he becomes poor. But you can’t. You still have 50 years.

[0:04:50,340 – 0:04:55,460] It will be too late when you find out 50 years later that the target Buffett talked about is not so good.

[0:04:56,220 – 0:04:59,320]So going in the wrong direction will never reach your destination.

[0:05:00,360 – 0:05:03,940] When investing, you must choose a broad-based index fund.

[0:05:04,940 – 0:05:06,180]Also

[0:05:06,440 – 0:05:11,520]The key to choosing the right market is not to choose some world fund.

[0:05:12,040 – 0:05:17,660] Or some Vietnamese fund, Australian fund, European fund?

[0:05:17,920 – 0:05:18,680]No need

[0:05:19,460 – 0:05:21,260] Just choose the United States.

[0:05:23,300 – 0:05:29,440] Also, don’t invest in long-term bonds. What corporate bonds can’t be invested in? Financial management experts.

[0:05:29,700 – 0:05:30,980] What was introduced to you

[0:05:31,320 – 0:05:36,460] So-and-so has a nice name, so as long as it’s a bond, don’t invest in it

[0:05:36,980 – 0:05:43,120]What kind of debt is it? Just listen to the one with a longer name, the less likely you are to invest in it. Anyway, the manager will introduce it to you.

[0:05:43,380 – 0:05:44,400]You just don’t want to invest

[0:05:44,920 – 0:05:49,520] You can’t invest in any bonds. The only thing you can invest in is cash.

[0:05:50,800 – 0:05:52,860] Treasury bonds of less than one year

[0:05:53,380 – 0:05:57,200] In the United States, VOX is not sold and there is no tax

[0:05:57,720 – 0:06:00,280] Otherwise it’s 00865V from Taiwan.

[0:06:00,840 – 0:06:05,160] Otherwise, there are money market funds in the United States.

[0:06:06,200 – 0:06:07,200]That

[0:06:07,460 – 0:06:11,280]I don’t know about Taiwan. Taiwan is just 00865V.

[0:06:14,080 – 0:06:17,900]Okay, let me disclaimer. None of us are professional investment advisors.

[0:06:18,160 – 0:06:22,760] Please be cautious. We are not professional tax professionals.

[0:06:22,760 – 0:06:28,900]What is a broad-based index fund?

[0:06:29,160 – 0:06:35,300] It is a passive fund. Usually it rewards market value.

[0:06:35,560 – 0:06:37,600] Weighted index funds

[0:06:39,400 – 0:06:45,040] Let’s take a look at the market index fund. I just did it today.

[0:06:47,080 – 0:06:49,900] I’ll tell you right away, so

[0:06:50,100 – 0:06:56,240] OK is a broad-based weighted index fund. It’s that simple.

[0:06:57,280 – 0:07:03,420]Then the United States is QQQ Taiwan is 00662 or anywhere in the world

[0:07:03,680 – 0:07:07,000] Index funds with the same <QQQ

[0:07:08,020 – 0:07:14,160] If Taiwanese friends want to have a small amount of 0050, it’s OK because Taiwan has recently

[0:07:14,420 – 0:07:18,000] Riding on the AI supply chain train in the short term

[0:07:18,920 – 0:07:23,280] It’s also pretty good because this AI

[0:07:23,780 – 0:07:28,640] The industry may also have opportunities in 10 or 20 years

[0:07:28,900 – 0:07:35,040] Although I don’t know how many years it will take, but this period of prosperity should still be okay, so now

[0:07:35,300 – 0:07:39,400]I still suggest that most of them are from the United StatesQQQ

[0:07:40,360 – 0:07:46,520] Because many Taiwanese people will come and ask if they have held 0050 and will they continue to hold it?

[0:07:46,780 – 0:07:49,080] Or transfer to 00662

[0:07:50,360 – 0:07:56,540] Then Taiwan’s entire industry is the AI industry, which is to protect the country.

[0:07:56,800 – 0:08:02,940] Gunshan, so 0050 shouldn’t be too bad. Do you think you love Taiwan so much?

[0:08:03,200 – 0:08:03,720]You want to vote

[0:08:03,960 – 0:08:06,780] I think it’s OK to vote 0050

[0:08:07,740 – 0:08:13,900] But if you don’t invest in anything else, don’t invest in anything else. Some people

[0:08:14,160 – 0:08:20,300]It’s VT> HPY VOO don’t invest in all this mess

[0:08:20,300 – 0:08:24,900] If you invest, you will become poor. I will tell you again, if you invest, you will become poor.

[0:08:25,680 – 0:08:30,800]Why do you become poor? I will tell you what you see.

[0:08:31,820 – 0:08:33,340]This me

[0:08:34,220 – 0:08:39,340] I’ll share it and tell you directly.

[0:08:41,380 – 0:08:42,660]Look

[0:08:44,460 – 0:08:46,220]This is

[0:08:48,020 – 0:08:48,820] QQQ

[0:08:50,340 – 0:08:52,120] QQQ

All performance of [0:08:53,660 – 0:08:55,200]

[0:08:56,220 – 0:08:58,780] OK I changed it to

[0:08:59,820 – 0:09:00,840]Percent OK

[0:09:00,880 – 0:09:03,920] OK

[0:09:04,180 – 0:09:06,260] He increased by about 12 times

[0:09:07,040 – 0:09:09,080] from 19

[0:09:10,100 – 0:09:11,400]This is

[0:09:17,440 – 0:09:18,720]What year is this?

[0:09:22,300 – 0:09:26,400] From about 1999 to now, it has increased 12 times.

[0:09:26,900 – 0:09:30,500] Then compare it. Compare it. Which one?

[0:09:30,840 – 0:09:39,480] <VTMany people say VT

[0:09:39,740 – 0:09:45,320] Then take a lookVT

[0:09:48,600 – 0:09:50,400]He starts here

[0:09:53,460 – 0:09:55,760] 2009

[0:09:56,520 – 0:10:00,600]You can tell by looking at the comparison. It would be strange if this doesn’t help you become poor.

[0:10:01,120 – 0:10:03,440]What about you?

[0:10:04,200 – 0:10:05,240] VOO

[0:10:08,800 – 0:10:11,640] It’s also very bad. Then you say HPY

[0:10:20,240 – 0:10:23,840] You see, it’s also very bad. One is 12 times

[0:10:24,340 – 0:10:26,140] HPY is 5 times

[0:10:26,460 – 0:10:31,820]This is if we pull

[0:10:32,820 – 0:10:36,420] If everyone is on the same day, it would be better to be here than here.

[0:10:36,940 – 0:10:38,220]Why is one missing?

[0:10:38,720 – 0:10:39,220] a family

[0:10:39,480 – 0:10:40,780]That one is the same

[0:10:41,040 – 0:10:41,820] Same as that

[0:10:42,080 – 0:10:44,860] VOO is the same as HPY

[0:10:45,120 – 0:10:48,460] Then if the same time period is good, then this

[0:10:49,220 – 0:10:51,540]This QQQ has increased nearly 10 times

[0:10:51,960 – 0:10:54,260] HPY and VOO increased 5 times

[0:10:54,520 – 0:11:00,660] It’s only 4.5 times. VT The world’s only increased by 2.5 times, so you won’t be poor.

[0:11:00,920 – 0:11:01,440] That’s weird

[0:11:01,940 – 0:11:07,300] So don’t invest in other people. I tell you not to invest in other people. I have been investing for more than 40 years.

[0:11:07,820 – 0:11:09,620]I won’t harm you

[0:11:10,640 – 0:11:12,940]In order to choose the United States

[0:11:13,460 – 0:11:16,780]Every country in the world has its own

[0:11:17,040 – 0:11:17,780]Character

[0:11:18,020 – 0:11:18,800] in the world

[0:11:19,580 – 0:11:23,680] The world’s supply chain from raw materials to petroleum minerals

[0:11:24,200 – 0:11:28,280] After that, it may need to be processed into manufacturing.

[0:11:28,800 – 0:11:34,940] It becomes a finished product. Whoever the finished product is sold to is sold to these brands in Taiwan.

[0:11:35,200 – 0:11:36,220]My friends all know it

[0:11:37,000 – 0:11:42,880] All high-tech companies in Taiwan are doing OEM work for these big brands, except Acer.

[0:11:43,900 – 0:11:48,240] Apart from the desperate Acer, no one else is building a brand.

[0:11:49,260 – 0:11:55,400]Asus will also die if Taiwan is not a brand

[0:11:55,660 – 0:11:58,480]These two families are destined to die in Taiwan.

[0:11:59,000 – 0:12:04,120] Can I still live? Can I still be this good? Of course not. Of course Taiwan is helping.

[0:12:04,360 – 0:12:08,460]Only those who manufacture OEM products from major American factories can survive until now.

[0:12:09,240 – 0:12:12,040] Taiwan’s TSMC also helps

[0:12:12,300 – 0:12:13,840]Huida Apple

[0:12:14,600 – 0:12:16,400] Big companies like Google

[0:12:16,800 – 0:12:21,140] Only when Broadcom is a big manufacturer that makes IC can it get some credit? So?

[0:12:21,920 – 0:12:27,280] The industrial chain must be led by American companies to have a chance.

[0:12:28,300 – 0:12:31,920] And of course the closer you are to the industrial chain in the United States, the better

[0:12:32,680 – 0:12:33,200]So

[0:12:33,460 – 0:12:36,280]Taiwan is influenced by the United States

[0:12:36,540 – 0:12:40,360] The edge of artificial intelligence, so Taiwan’s performance is considered good

[0:12:41,080 – 0:12:47,220] Well, the hardware is now out of stock due to the demand for goods, so Taiwan is just right.

[0:12:47,480 – 0:12:48,000]Doing hardware

[0:12:48,760 – 0:12:52,100]So those who make software in AI will die.

[0:12:53,380 – 0:12:55,160] The hardware guy knows how to do it

[0:12:55,680 – 0:12:58,740] Then do it inside the hardware

[0:12:59,760 – 0:13:03,600] Like this one doing AI

[0:13:03,860 – 0:13:05,140] equipment

[0:13:05,660 – 0:13:10,260] And Google Amazon this

[0:13:11,280 – 0:13:14,360] Google

[0:13:14,620 – 0:13:16,160] Amazon also

[0:13:17,940 – 0:13:20,240] Let me see who else has the computing power.

[0:13:21,260 – 0:13:22,040] Google

[0:13:22,300 – 0:13:23,840] Amazon is gone

[0:13:24,600 – 0:13:30,740] So Microsoft wants people who have computing power or people who are in the arms race.

[0:13:31,000 – 0:13:35,640] The people who make these weapons for these arms races, Taiwan is number one

[0:13:35,800 – 0:13:41,940] So this is related to the industrial chain. American brand sales

[0:13:42,200 – 0:13:48,340] Product innovation is the entire innovation created by artificial intelligence in the United States.

[0:13:49,360 – 0:13:52,700]Cloud computing and artificial intelligence computing

[0:13:53,980 – 0:14:00,120] The gross profit margin of added value is very high, so they are the most advantageous and effective

[0:14:00,380 – 0:14:01,660]The most effective position is the United States

[0:14:02,420 – 0:14:03,440]That Taiwan

[0:14:03,760 – 0:14:07,860] Because they are related, Taiwan also follows this

[0:14:10,160 – 0:14:11,180]Flying

[0:14:12,240 – 0:14:18,380] So in addition to the value-added locomotive of the United States, there are Taiwan and

[0:14:18,640 – 0:14:19,160] South Korea

[0:14:19,920 – 0:14:26,060] Also, China mainly manufactures products for export, so the United States does not use Chinese products.

[0:14:26,320 – 0:14:31,440] Products, so the United States pulled Taiwan and then South Korea.

[0:14:32,260 – 0:14:37,120]Then manufacturing in China is mainly self-sufficient, so

[0:14:40,680 – 0:14:46,320] South Korea and Taiwan can only sell their people’s labor and materials and pollute their own

[0:14:46,560 – 0:14:47,080] Environment

[0:14:47,340 – 0:14:50,160] Selling products to the United States and having some involvement

[0:14:50,940 – 0:14:51,680]So

[0:14:53,480 – 0:14:56,800] If we come to other countries, they will be the third world.

[0:14:56,800 – 0:14:57,320]World

[0:14:58,320 – 0:15:02,900] No raw materials or minerals are used, these are very small payment plus value.

[0:15:03,660 – 0:15:09,800]The same goes for Europe. Europe is almost no longer in the artificial intelligence industry chain.

[0:15:10,060 – 0:15:13,400] So Europe may fall into the third world

[0:15:15,440 – 0:15:21,580]So you must be careful when investing. You can’t just pick any area to invest in.

[0:15:21,840 – 0:15:26,700] It’s not that you will become pauper if you invest in the world with your eyes closed.

[0:15:27,460 – 0:15:29,000] So this is a

[0:15:29,260 – 0:15:30,540] of the whole world

[0:15:31,320 – 0:15:35,140]The industrial chain is like a train and the United States is a locomotive

[0:15:35,660 – 0:15:38,740] So if you want to invest, invest in Locomotive

[0:15:39,760 – 0:15:45,900] Then the second one is Taiwan. Hurry up and hurry up. In the second car, Taiwan can barely do it. Everything else is okay.

[0:15:46,160 – 0:15:47,180]Cannot invest

[0:15:48,200 – 0:15:54,340] If the speed of other carriages will be faster than that of the locomotive for a long time, what do you think?

[0:15:54,420 – 0:15:57,980] What will happen to the world’s industrial chain? What will happen to this train?

[0:15:58,740 – 0:16:04,180] Of course it will stall and roll over, so it is absolutely impossible for you to invest in other carriages.

[0:16:04,440 – 0:16:07,260] The locomotive that has long surpassed the United States

[0:16:08,020 – 0:16:12,860]So based on this investment philosophy and investment logic

[0:16:13,380 – 0:16:19,520] So don’t invest in other carriages, let alone the end carriage.

[0:16:19,780 – 0:16:20,300] of raw materials

[0:16:20,780 – 0:16:26,920]Brazil, South Africa, Australia, Canada

[0:16:27,180 – 0:16:28,960] Don’t invest. Don’t invest.

[0:16:29,220 – 0:16:29,720] OK

[0:16:30,240 – 0:16:35,620]So this is a very low-level logic that needs to be understood first

[0:16:36,120 – 0:16:42,260]Don’t be caught by the monsters outside to invest in other thingsVT

[0:16:42,520 – 0:16:45,340] No need to invest in the United States

[0:16:45,860 – 0:16:46,880] High technology

[0:16:47,140 – 0:16:50,200] Believe in America, believe in technology, believe in humanity

[0:16:50,460 – 0:16:53,020]You will only be rich if you have these few choices

[0:16:54,040 – 0:16:56,100] The future scientific society

[0:16:56,860 – 0:16:58,140]There is no other choice

[0:16:59,420 – 0:17:05,560] Either a bunch of extremely rich people like us or a bunch of extremely poor people

[0:17:05,820 – 0:17:07,100]There is no middle

[0:17:09,400 – 0:17:15,540] Because artificial intelligence is a paradigm shift. What is a paradigm shift?

[0:17:15,800 – 0:17:17,080] Cell phones have replaced

[0:17:17,400 – 0:17:18,920] Inside the home

[0:17:19,180 – 0:17:20,980]Wired phone

[0:17:22,000 – 0:17:26,620]The wireline phone manufacturers completely disappeared.

[0:17:30,680 – 0:17:31,480]Tablet

[0:17:32,000 – 0:17:32,760] screen

[0:17:33,020 – 0:17:39,160] When the LCD screen came out, all image tube companies went wide off.

[0:17:39,420 – 0:17:41,760] Eliminated, this is a paradigm shift

[0:17:43,280 – 0:17:45,320]Bring out the digital camera

[0:17:45,600 – 0:17:47,160] Negative film

[0:17:47,660 – 0:17:53,320] Eliminate them all. It’s not just one point. It’s all eliminated. That’s a paradigm shift.

[0:17:54,360 – 0:17:56,120] CD handle

[0:17:56,360 – 0:18:02,520] Most of the vinyl records have been phased out, almost wiped out, almost extinct. That’s

[0:18:02,760 – 0:18:03,800] A paradigm shift

[0:18:05,080 – 0:18:11,220]Now I want to tell you something that is very serious and needs to be faced seriously.

[0:18:11,480 – 0:18:13,240] The paradigm shift of artificial intelligence

[0:18:14,200 – 0:18:18,560]Paradigm shifts in the past were to eliminate products

[0:18:19,320 – 0:18:21,120]But people still exist

[0:18:21,640 – 0:18:25,740]The paradigm shift of artificial intelligence will change the entire human race

[0:18:26,000 – 0:18:30,080] Replace it so you really can’t find a job

[0:18:31,100 – 0:18:36,480]Only 0.001% of friends like CLEC still invest

[0:18:38,020 – 0:18:39,560] Still alive

[0:18:40,400 – 0:18:46,040] Otherwise, even if you have a job, you will disappear. If you don’t invest, you will

[0:18:46,300 – 0:18:49,120] will be poor, so there will be only two kinds of people in the future

[0:18:49,400 – 0:18:55,540] There are people who are extremely rich and people who are extremely poor and there is no middle

[0:18:57,320 – 0:19:03,480] So why do we spend so long educating everyone? If you still take it lightly

[0:19:03,720 – 0:19:04,480] words

[0:19:05,440 – 0:19:10,580] Then it will be difficult for the gods to save this lifeless guest. That destiny arrangement

[0:19:10,840 – 0:19:13,400]Why don’t you listen to us?

[0:19:14,160 – 0:19:16,440]You are still doing nothing over there

[0:19:16,960 – 0:19:21,840] Still taking it lightly. This is a very serious issue. Everyone must

[0:19:22,600 – 0:19:24,920] Be cautious and cautious

[0:19:27,240 – 0:19:30,040]Absolutely only invest in the United States

[0:19:31,040 – 0:19:36,640] Only with high technology can you have a chance to survive. I have been saying this for a long time.

[0:19:36,900 – 0:19:40,240] OK, then why choose the United States?

[0:19:41,260 – 0:19:43,060]The American Nasdaq

[0:19:43,560 – 0:19:47,920] Out of the 100 companies, you can see that NVIDIA is number one

[0:19:48,180 – 0:19:49,720]Apple is second

[0:19:49,960 – 0:19:51,500]Microsoft third

[0:19:51,760 – 0:19:53,300] Google fourth

[0:19:54,060 – 0:19:55,340] Amazon fourth

[0:19:56,120 – 0:19:56,880] Google

[0:19:57,140 – 0:19:58,400] Google fifth

[0:19:59,320 – 0:20:00,600] BlockCharm 6th

[0:20:00,860 – 0:20:02,400]Tesla seventh

[0:20:02,660 – 0:20:03,820] Meta eighth

[0:20:04,080 – 0:20:06,380] Look at Micron 9, it’s all AI

[0:20:07,160 – 0:20:10,500] There used to be Costco, but now Costco is gone.

[0:20:11,520 – 0:20:12,560]Now then

[0:20:14,620 – 0:20:16,140]A BlockCharm ran in

[0:20:16,640 – 0:20:18,200]A Micron also ran in

[0:20:19,220 – 0:20:25,360]Walmart should also be in Nasdaq, but it is not AI, so it will not be in the top 9.

[0:20:25,620 – 0:20:26,400] Top 10

[0:20:27,380 – 0:20:28,920] So we invest

[0:20:29,940 – 0:20:31,980] Nasdaq 100 Index This

[0:20:32,240 – 0:20:38,380] These top 10 alone account for 46%, so you must invest in Nasdaq

[0:20:38,640 – 0:20:39,920] 100 Index Fund

[0:20:41,200 – 0:20:47,340] So many people will invest in what Mega 7 or what the number is too small your Mega 7

[0:20:47,600 – 0:20:53,740] You don’t even know which one, which one, which one will be eliminated at any time, so you invest.

[0:20:54,000 – 0:20:55,800] QQQ100 you will feel more at ease

[0:20:56,560 – 0:21:01,920] Don’t change how you invest in 50 companies or invest in 7 companies or whatever.

[0:21:02,440 – 0:21:05,760] The fluctuation of 00757 is too big and is not needed

[0:21:07,820 – 0:21:12,980]Okay, let’s take a look at this QQQ’s annualized return in addition to the top ten holdings

[0:21:13,240 – 0:21:15,540] Almost 21% over the past 10 years

[0:21:15,800 – 0:21:20,160] The annualized return is 21%, as we can see from the picture just now

[0:21:21,080 – 0:21:26,460] Comparison of the previous one with SBY VOO and VT

[0:21:29,020 – 0:21:35,160] So here’s a long-term comparison chart of US SBY

[0:21:35,420 – 0:21:41,560] SBY is almost 9% 10% then VT will be worse we just saw

[0:21:41,820 – 0:21:42,600] VT

[0:21:43,560 – 0:21:49,720] When QQQ> increased 10 times, VT only increased 2.5 times, then SBY

[0:21:49,960 – 0:21:54,280] increased 5 times, so SBY is only QQQ half the performance

[0:21:55,040 – 0:22:00,180] Then this VT the world’s performance is only 1/4 of the United States’ performance

[0:22:00,440 – 0:22:03,000] Then look at it, it’s strange that you are not poor if you vote for VT

[0:22:04,040 – 0:22:04,560]Okay

[0:22:05,340 – 0:22:11,480] I can’t capture this picture again now, so I used the old one, that is, from 1941

[0:22:11,600 – 0:22:16,160] Because Yahoo Finance no longer provides such long information.

[0:22:16,920 – 0:22:23,060] Then this is until 2020. Then this will have an annualized return of nearly 10%.

[0:22:23,320 – 0:22:26,120] 9%9.5 to 10%

[0:22:26,880 – 0:22:28,160]You can watch it for yourself

[0:22:30,200 – 0:22:32,520] Let’s count this until 2024

[0:22:32,780 – 0:22:37,880] The 9.65% in 2024 has already been

[0:22:38,680 – 0:22:40,980]It’s not easy to catch this kind of information anymore

[0:22:42,320 – 0:22:42,820]Okay

[0:22:43,840 – 0:22:51,200]The key to getting rich in Japaneseism is long-term investment in the U.S. Nasdaq 100 Index Fund

[0:22:52,240 – 0:22:58,380] Let me repeat this key point again: long-term investment in the U.S. Nasdaq 100 Index Fund

[0:22:58,640 – 0:22:59,660]You will be rich

[0:23:00,440 – 0:23:06,580] So what to do? Just buy long-term investments if you have money. It’s as simple as selling until you die.

[0:23:06,840 – 0:23:08,620]If you have money, buy it and beat it to death rather than sell it.

[0:23:09,600 – 0:23:12,920] It’s like you’re a landlord, you’re a landlord

[0:23:13,180 – 0:23:17,780] If the capacitor helps you farm, won’t you sell the land? No.

[0:23:18,300 – 0:23:24,440] So we don’t sell any of the 100 Nasdaq companies. The employees of these 100 companies follow

[0:23:24,700 – 0:23:26,740] The general manager is working for us

[0:23:27,260 – 0:23:29,820] So Elon Musk Steve Jobs

[0:23:30,080 – 0:23:30,840] Not Steve Jobs

[0:23:31,100 – 0:23:32,120] Tim Cook

[0:23:32,640 – 0:23:34,680] And these are very

[0:23:35,400 – 0:23:39,500] Huang Renxun works for us, so

[0:23:39,760 – 0:23:42,820]We are the capitalists and they are the workers

[0:23:44,880 – 0:23:47,700] Isn’t that great? Why are you selling the land?

[0:23:47,960 – 0:23:48,960]No

[0:23:49,480 – 0:23:51,020]Always hold tight

[0:23:53,580 – 0:23:59,220]This picture is for everyone to take a look at the 200-year history of the United States.

[0:23:59,480 – 0:24:02,540] Asset return relationship diagram

[0:24:03,460 – 0:24:09,600] U.S. Index Annualized Return Assume you have been investing in 1801

[0:24:09,860 – 0:24:16,000] How many times will your U.S. index return return if you invest until 2021?

[0:24:16,260 – 0:24:17,040]Do you know

[0:24:18,820 – 0:24:19,600] 10,000 times

[0:24:20,620 – 0:24:21,400] 100,000 times

[0:24:21,660 – 0:24:23,180] Still a million times

[0:24:23,700 – 0:24:24,200] Not only

[0:24:24,720 – 0:24:29,060] A total increase of 27.74 million times

[0:24:29,820 – 0:24:32,380] 27.74 million times

[0:24:32,640 – 0:24:36,220] 2700 is nearly 27.75 million times

[0:24:37,780 – 0:24:41,620] If you invest one dollar, it will grow into more than 20 million

[0:24:42,900 – 0:24:44,700] If you invest in bonds

[0:24:45,200 – 0:24:47,240]The annualized compensation is lower then.

[0:24:47,760 – 0:24:50,320]Your dollar will become

[0:24:50,580 – 0:24:52,620] Just 34,000 yuan

[0:24:53,140 – 0:24:56,460] If you invest in stocks, you will get 27.75 million

[0:24:56,980 – 0:25:01,060] No matter how good your investment in bonds is, it’s only 34,000

[0:25:02,040 – 0:25:03,820]You invest in Treasury bills

[0:25:04,340 – 0:25:07,680] You can only get 5,000 yuan. One dollar becomes 5,000 yuan.

[0:25:07,940 – 0:25:13,300] What is a bond? A bond is a bond that lasts for more than 5 years.

[0:25:14,320 – 0:25:16,880] 5 years to 1 year

[0:25:17,140 – 0:25:19,200] Five-year bills are called Treasury bills.

[0:25:20,220 – 0:25:24,300] Not Treasury Bills TBL Treasury Bills Short Term

[0:25:24,820 – 0:25:27,900]He has one called BON and one called

[0:25:27,900 – 0:25:31,700] TBL

[0:25:32,460 – 0:25:35,300]The other one called TBL is less than a year

[0:25:37,660 – 0:25:41,980]For gold, the return rate is almost 2.124%

[0:25:41,980 – 0:25:45,540] Gold only beats inflation.

[0:25:47,060 – 0:25:48,980] Then if you put cash

[0:25:48,980 – 0:25:53,380] Then you will lose everything.

[0:25:53,900 – 0:25:58,500] A dollar will become one tenth of 1 1 2

[0:25:58,500 – 0:25:59,380] So how much

[0:26:00,060 – 0:26:01,900] 1 1 2 One-tenth is

[0:26:02,740 – 0:26:07,060] Five cents a dollar will be five cents in 200 years

[0:26:07,060 – 0:26:09,740]The cash will eventually be gone.

[0:26:11,500 – 0:26:11,940]Okay

[0:26:12,700 – 0:26:14,500]I want to tell you something here

[0:26:14,500 – 0:26:17,220] You invest in the Nasdaq 100 Index Fund

[0:26:17,220 – 0:26:19,060] Then don’t invest in bonds

[0:26:19,100 – 0:26:22,500] Look at this TLT, which is a 10-year public bond.

[0:26:23,180 – 0:26:28,380] It’s been almost 20 years since 2002

[0:26:28,380 – 0:26:30,340] The bond is not going up

[0:26:30,340 – 0:26:32,580]Although the dividend is almost 4%

[0:26:33,100 – 0:26:36,100] So your annualized compensation is only 20 years

[0:26:36,100 – 0:26:38,580]That is, the annualized return is only 4%

[0:26:39,260 – 0:26:41,460] Then you have to buy this at a lower price

[0:26:42,300 – 0:26:43,500] If you buy at a high point

[0:26:43,500 – 0:26:45,020] Suppose at that highest point

[0:26:45,020 – 0:26:48,940]Buy at a higher price in 2020

[0:26:48,940 – 0:26:49,940] Then I’ll show you

[0:26:49,940 – 0:26:51,940] You bought it at a higher price then and now

[0:26:52,500 – 0:26:55,940] You dropped from 164 yuan to 385 yuan

[0:26:55,940 – 0:26:56,980] Dropped by half

[0:26:57,700 – 0:26:59,980] So bonds are very risky

[0:26:59,980 – 0:27:01,900] Just look at how long it will fall

[0:27:02,940 – 0:27:03,980]How long will it fall?

[0:27:05,260 – 0:27:09,500] 5 years, 6 years, 7 years down from 2020

[0:27:09,500 – 0:27:11,780] It has been falling for 7 years and still falling.

[0:27:12,100 – 0:27:14,500] Do you think bonds are safer?

[0:27:14,500 – 0:27:16,380] Bonds are very risky

[0:27:16,380 – 0:27:18,940] Be careful not to touch long-term bonds

[0:27:19,700 – 0:27:21,740] Don’t touch long-term bonds

[0:27:21,780 – 0:27:23,060]I’d better tell you

[0:27:23,060 – 0:27:24,940] Don’t touch long-term bonds

[0:27:25,380 – 0:27:27,780]Don’t touch any corporate bonds

[0:27:28,220 – 0:27:29,580]Junk bonds

[0:27:29,900 – 0:27:30,980] Structural debt

[0:27:30,980 – 0:27:34,580] What this bond is a big company

[0:27:34,580 – 0:27:36,980] What is Apple Nasdaq?

[0:27:37,260 – 0:27:38,180]Don’t touch it

[0:27:38,180 – 0:27:40,220] As long as you hear bonds, don’t touch them

[0:27:40,220 – 0:27:41,940]The only bond you can touch

[0:27:41,940 – 0:27:43,420]It’s short-term bonds

[0:27:43,900 – 0:27:46,020] America is VOX

[0:27:46,020 – 0:27:49,340] It’s SGOV or VIL

[0:27:50,340 – 0:27:52,980]Taiwan is 00865V

[0:27:52,980 – 0:27:54,500]Don’t touch anything else

[0:27:55,860 – 0:27:57,180] You hit a bomb

[0:27:57,180 – 0:27:59,180]You were blown to pieces

[0:27:59,180 – 0:28:00,220]Finally you

[0:28:00,660 – 0:28:02,740] Even the ghosts can’t find anyone

[0:28:05,220 – 0:28:05,900]Okay

[0:28:06,220 – 0:28:10,100]I want to tell you that stocks are safe in the long run.

[0:28:10,100 – 0:28:12,020] Of course the short term is a risk

[0:28:12,020 – 0:28:13,860] Of course there are risks in the short term

[0:28:13,860 – 0:28:15,900]But it’s safe in the long run

[0:28:15,940 – 0:28:16,420]Okay

[0:28:17,700 – 0:28:20,820] Let’s look at various assets in the United States

[0:28:20,820 – 0:28:23,980] In this year

[0:28:24,180 – 0:28:26,060] Red here for a year

[0:28:26,180 – 0:28:27,460] In one year

[0:28:28,540 – 0:28:32,100] Potential returns of nearly 70%

[0:28:32,100 – 0:28:35,540] The highest return in a single year can be 70%

[0:28:36,060 – 0:28:39,220] You can lose nearly 40% at least

[0:28:39,220 – 0:28:40,660] So you own the stock

[0:28:40,700 – 0:28:42,540] It’s such a big shock

[0:28:42,820 – 0:28:48,700] You hold long-term Treasury bonds

[0:28:48,700 – 0:28:51,060] Your fastest and most profitable

[0:28:51,060 – 0:28:53,380] Maybe it can increase by 35% in a year

[0:28:54,300 – 0:28:57,540] It will drop by about 22%

[0:28:58,300 – 0:29:00,700] Short-term Treasury bills

[0:29:01,100 – 0:29:02,260] Maybe 5 years

[0:29:02,500 – 0:29:05,540] It will increase by 20.25%

[0:29:05,540 – 0:29:07,540] It will drop 15%

[0:29:07,860 – 0:29:09,060] This is the year

[0:29:10,060 – 0:29:13,700] As the years of holding get higher and higher

[0:29:13,700 – 0:29:16,220] When you hold it for 20 years

[0:29:18,580 – 0:29:21,780] The stock’s return is close to its average

[0:29:21,780 – 0:29:23,860] Just 10%

[0:29:23,860 – 0:29:25,620] 11%

[0:29:26,140 – 0:29:27,100] No loss

[0:29:27,100 – 0:29:29,420] It seems to be at least 2%

[0:29:29,420 – 0:29:31,460] At least we can beat inflation.

[0:29:32,900 – 0:29:34,780] If you are over 30 years

[0:29:34,780 – 0:29:35,740]You must

[0:29:36,740 – 0:29:40,740] Nearly 5% faster

[0:29:40,740 – 0:29:44,500]But you hold Treasury bills or bonds

[0:29:44,500 – 0:29:45,740] You hold it for 30 years

[0:29:45,740 – 0:29:47,700] It is still possible to lose money

[0:29:47,700 – 0:29:49,780] As you can see, you can still lose money.

[0:29:49,780 – 0:29:52,380] So I want to tell you about this picture

[0:29:52,380 – 0:29:54,460] It’s the longer you hold the stock

[0:29:54,460 – 0:29:55,620]The safer you are

[0:29:55,620 – 0:29:56,940] Because the last 20 years

[0:29:56,940 – 0:29:59,820]In fact, there will be no losses for more than 15 years

[0:30:00,860 – 0:30:03,420]But you hold other Treasury bonds

[0:30:03,420 – 0:30:05,300] You sometimes hold it for 20 years

[0:30:05,300 – 0:30:06,500]You still lose money

[0:30:06,500 – 0:30:09,620] Like the TLT just now

[0:30:11,500 – 0:30:14,620] After holding it for 7 years and still losing 50%

[0:30:15,060 – 0:30:16,500] So you know

[0:30:16,500 – 0:30:19,460]Treasury bonds are a very risky asset

[0:30:19,460 – 0:30:21,140]Don’t touch

[0:30:21,660 – 0:30:25,060] Bonds are much harder than stocks

[0:30:25,060 – 0:30:26,580] So don’t touch

[0:30:27,780 – 0:30:28,260]Okay

[0:30:28,260 – 0:30:29,460]If this table

[0:30:29,460 – 0:30:30,940] Let’s talk about one more thing

[0:30:30,940 – 0:30:31,540] Same

[0:30:31,540 – 0:30:32,740]That’s it

[0:30:32,740 – 0:30:37,580]Return on holdings

[0:30:37,580 – 0:30:41,180] is the rate of return on stock ownership

[0:30:41,180 – 0:30:47,140] The highest stock holding rate for one year can reach about 52%

[0:30:47,140 – 0:30:51,900] This is the period from 1950 to 2002

[0:30:53,020 – 0:30:57,060] The worst year can be negative 26%

[0:30:57,700 – 0:31:00,060] If you hold it for 5 years

[0:31:00,060 – 0:31:05,340] Your best case scenario would be 23.92% annualized return

[0:31:06,100 – 0:31:09,860] But there is a chance that your losses will be held for 5 years

[0:31:09,860 – 0:31:13,780] The annualized loss will still be 2.36%

[0:31:15,820 – 0:31:18,140] If you hold it for 10 years

[0:31:18,140 – 0:31:22,100] The highest you can go is 9.35%

[0:31:22,580 – 0:31:24,740] That is to say, take any 10 years

[0:31:24,740 – 0:31:27,540] from 1950 to 2002

[0:31:27,540 – 0:31:29,900] Take any period of 10 years

[0:31:30,380 – 0:31:33,140]You will have the best 10 years

[0:31:33,140 – 0:31:36,180]The performance will be around 9.35%

[0:31:37,340 – 0:31:40,100] At worst you will get 1.24%

[0:31:40,100 – 0:31:42,340] That is, during this period

[0:31:42,340 – 0:31:45,060]You won’t lose money if you hold it for 10 years

[0:31:46,260 – 0:31:48,780] If you hold it for 15 years

[0:31:49,100 – 0:31:52,940] You can go up to 18.83%

[0:31:54,060 – 0:31:57,060] At least 4.31%

[0:31:58,060 – 0:32:00,420] If you hold it for 20 years

[0:32:00,420 – 0:32:04,340] Your return is at least 17.87%

[0:32:04,340 – 0:32:06,180]The highest is 17.87%

[0:32:06,180 – 0:32:08,300] At least 6.53%

[0:32:08,900 – 0:32:10,700] So the longer you hold

[0:32:10,700 – 0:32:11,980]You are safer

[0:32:11,980 – 0:32:13,300]This is stocks

[0:32:16,260 – 0:32:17,020]That’s it

[0:32:17,020 – 0:32:18,980] So can everyone invest?

[0:32:18,980 – 0:32:20,500] Actually sometimes

[0:32:20,500 – 0:32:22,620] Sometimes I have to persuade people to quit

[0:32:22,620 – 0:32:26,020] People who say you can’t bear the market going down

[0:32:26,180 – 0:32:27,740]Please just leave the market

[0:32:27,740 – 0:32:29,460] Just don’t invest in stocks

[0:32:30,020 – 0:32:31,300]Don’t invest in it

[0:32:31,300 – 0:32:33,380] You’re nervous again at market o’clock

[0:32:33,380 – 0:32:36,100] Then you will be nervous and afraid of losing money

[0:32:36,100 – 0:32:37,580]Then don’t invest

[0:32:38,100 – 0:32:41,300] Otherwise you can only invest what you can afford to lose

[0:32:41,300 – 0:32:44,780] It’s money that you can hold for 10 or 20 years

[0:32:44,780 – 0:32:46,180]You invest it again

[0:32:47,060 – 0:32:50,020] Funds needed in the short term cannot be invested

[0:32:50,540 – 0:32:53,060] Index funds versus other investments

[0:32:53,060 – 0:32:54,860]It’s all very safe

[0:32:56,900 – 0:33:00,420] If even the U.S. is the Dak 100 Index Fund

[0:33:00,420 – 0:33:02,900] You can’t even withstand that fluctuation

[0:33:02,900 – 0:33:05,180] Then you should avoid all investments

[0:33:05,180 – 0:33:07,500] There should be no investing you can do

[0:33:08,340 – 0:33:10,660]You can only deposit your money in the bank

[0:33:10,660 – 0:33:13,380] Any investment is a risk to you

[0:33:13,380 – 0:33:17,780] It’s a bigger risk if you buy a house.

[0:33:17,780 – 0:33:21,980] Buying insurance and financial management is even more risky

[0:33:21,980 – 0:33:24,500] Just put it in a fixed deposit

[0:33:24,500 – 0:33:27,460] If you can’t take the risk

[0:33:28,900 – 0:33:32,500] Other investments are close to scams

[0:33:32,500 – 0:33:34,620] So because you don’t understand investing

[0:33:35,380 – 0:33:38,460]Invest in something you don’t understand

[0:33:38,460 – 0:33:40,300] Then you may be scammed

[0:33:40,300 – 0:33:42,460] Even if you invest in an index fund

[0:33:42,460 – 0:33:43,660]I told you

[0:33:44,180 – 0:33:46,060]If you can’t bear the risk

[0:33:46,060 – 0:33:48,100] When the market hits, you sell it

[0:33:48,100 – 0:33:49,260]You lose money

[0:33:49,860 – 0:33:51,340] Then you say I’m a fraud

[0:33:51,340 – 0:33:52,940] That’s similar too

[0:33:53,900 – 0:33:56,780] So if you are afraid of losing friends

[0:33:56,780 – 0:33:58,420] Then you don’t have to invest

[0:33:58,420 – 0:34:00,420] Just hide in the cave

[0:34:02,780 – 0:34:07,500] So investment will have high returns in the long term.

[0:34:07,500 – 0:34:09,260] 100 million becomes 10 billion

[0:34:09,260 – 0:34:11,380] 100 times growth is not a dream

[0:34:11,380 – 0:34:13,980] But will there be any fluctuations in the middle?

[0:34:13,980 – 0:34:15,700] There will be fluctuations in the middle

[0:34:15,700 – 0:34:17,820] And the fluctuations in the middle are not small.

[0:34:17,820 – 0:34:19,740] And it will scare the shit out of you.

[0:34:20,340 – 0:34:21,740] So before you invest

[0:34:21,740 – 0:34:25,060]You must first accept this fluctuation

[0:34:25,060 – 0:34:26,620]You want to hold it for the long term

[0:34:26,620 – 0:34:28,020] Only you can invest

[0:34:30,100 – 0:34:33,020] Buffett says people will be worried about declines

[0:34:33,020 – 0:34:34,100] Not allowed to invest

[0:34:35,620 – 0:34:36,340]Okay

[0:34:36,940 – 0:34:38,380] In this case

[0:34:38,380 – 0:34:41,380] The sooner you invest, the better

[0:34:41,380 – 0:34:44,780] Let’s say we talk about different rates of return

[0:34:45,420 – 0:34:48,260]You’re retiring in 40 years

[0:34:48,260 – 0:34:50,820] Let’s say your rate of return is 12%

[0:34:50,820 – 0:34:52,820]For example, we are investing

[0:34:52,820 – 0:34:54,820] QQQ

[0:34:54,820 – 0:34:58,380] Then you invest $85 a year

[0:34:58,380 – 0:35:01,700] You’ll have $1 million in 40 years

[0:35:01,700 – 0:35:04,700]But you said I’m more conservative

[0:35:04,700 – 0:35:06,300]I want to invest SPY

[0:35:06,300 – 0:35:08,020] Then the return is 10%

[0:35:08,020 – 0:35:10,020] Then 40 years later

[0:35:10,020 – 0:35:11,660] You want a million

[0:35:11,660 – 0:35:14,340] Then you need twice the capital now

[0:35:14,340 – 0:35:17,020] That’s $156 a month

[0:35:18,300 – 0:35:19,500] Then if you are more conservative

[0:35:19,500 – 0:35:21,780] What investment is VT or more conservative

[0:35:21,780 – 0:35:24,900] Then you have to invest 500 yuan a month

[0:35:24,900 – 0:35:26,500] You only have $500

[0:35:26,500 – 0:35:29,820] You will be able to reach $100 in 40 years

[0:35:29,820 – 0:35:30,460] So

[0:35:32,100 – 0:35:33,980] There’s a lot of difference here.

[0:35:33,980 – 0:35:36,540] So it’s 85 yuan and 500 yuan

[0:35:36,540 – 0:35:37,620]Every month you

[0:35:37,620 – 0:35:39,940] Then if you give 500 yuan

[0:35:39,940 – 0:35:42,140] If you can invest at 12%

[0:35:42,140 – 0:35:43,380] Then you have more

[0:35:44,220 – 0:35:45,340] How much more

[0:35:45,340 – 0:35:46,500] 8, 10, 8, 6

[0:35:46,500 – 0:35:48,900] 6 times more than other people’s assets

[0:35:49,300 – 0:35:52,660] That means you can invest 500 yuan

[0:35:52,660 – 0:35:55,180] At a return of 12%

[0:35:55,940 – 0:35:58,500] Then you will get $6 million

[0:35:58,500 – 0:36:00,740] Nearly 150 million

[0:36:03,140 – 0:36:03,900]Okay

[0:36:04,460 – 0:36:05,860] Then it involves

[0:36:05,860 – 0:36:08,220]Of course you choose the one with the highest return on investment

[0:36:08,220 – 0:36:10,220]But if you invest too late

[0:36:10,220 – 0:36:13,420] Suppose you are a young person who has just retired

[0:36:13,420 – 0:36:15,340] If you just go to work

[0:36:15,660 – 0:36:18,620] Then you only need to invest 85 US dollars every month

[0:36:18,620 – 0:36:20,220] You will have a million dollars

[0:36:20,220 – 0:36:21,460] 40 years later

[0:36:22,460 – 0:36:25,220] But if you only have 10 years left, you have to retire.

[0:36:25,220 – 0:36:26,940] Then you need to prepare 1 million US dollars

[0:36:26,940 – 0:36:28,700] If there are NT$30 million

[0:36:28,700 – 0:36:32,060] Then you need to invest $4,300 every month

[0:36:32,580 – 0:36:36,300] 4,300 US dollars is nearly 130,000

[0:36:36,300 – 0:36:38,060] About 130,000

[0:36:38,900 – 0:36:41,380] Then you will be ready to retire in 10 years

[0:36:41,380 – 0:36:42,940] NT$30 million

[0:36:42,940 – 0:36:45,420]You have to invest 130,000 every month

[0:36:46,020 – 0:36:48,300] So if you started 40 years ago

[0:36:48,300 – 0:36:49,420]In terms of investment

[0:36:49,420 – 0:36:52,140] Then you only need to invest 3,000 yuan a month.

[0:36:52,140 – 0:36:53,660] 8324

[0:36:53,660 – 0:36:54,820] 2500 400 yuan

[0:36:54,820 – 0:36:56,820] You can get 30 million

[0:36:58,100 – 0:37:00,540] So it can be seen from the table here

[0:37:00,540 – 0:37:01,940] The sooner you invest

[0:37:01,940 – 0:37:04,420]You can invest a little less each month

[0:37:04,420 – 0:37:06,380] You will reach 1 million

[0:37:07,220 – 0:37:08,860]This table is to encourage everyone

[0:37:08,860 – 0:37:11,620]The first thing to choose is an investment with a high rate of return.

[0:37:11,620 – 0:37:13,500]The second one is to choose

[0:37:14,020 – 0:37:16,060]The earlier you invest in this, the better.

[0:37:16,060 – 0:37:17,820]When is the best time to invest?

[0:37:17,820 – 0:37:19,620]The best time to invest is now

[0:37:20,900 – 0:37:22,660] Or it would have been 40 years ago

[0:37:22,660 – 0:37:23,700] 10 years ago

[0:37:24,100 – 0:37:26,420]The best investment was 10 years ago

[0:37:26,420 – 0:37:27,700] or 40 years ago

[0:37:28,700 – 0:37:30,700]The second best thing is now

[0:37:30,700 – 0:37:33,900]You can’t go back to the past

[0:37:34,180 – 0:37:35,700]Then you can only do it now

[0:37:36,020 – 0:37:37,980] Today will be better than tomorrow

[0:37:37,980 – 0:37:39,660] This year will be better than next year

[0:37:39,660 – 0:37:43,500] So just invest as soon as you have money.

[0:37:45,020 – 0:37:46,980]The market will always rise

[0:37:47,260 – 0:37:52,180] Because we invest in the US Nasdaq 100 Index Fund

[0:37:52,180 – 0:37:55,180] Then humans will continue to grow

[0:37:55,780 – 0:37:59,060]The United States will continue to grow based on high technology

[0:37:59,060 – 0:38:02,700] From trains and steam engines to automobiles in the past

[0:38:03,420 – 0:38:06,860] to computer to IC to this

[0:38:08,380 – 0:38:12,700] Digital camera to computer to network

[0:38:12,980 – 0:38:15,580] Artificial intelligence until now

[0:38:16,380 – 0:38:21,180]You will always have unimaginable growth momentum.

[0:38:21,780 – 0:38:23,500]So trust the United States

[0:38:23,500 – 0:38:24,780] Believe in humans

[0:38:25,460 – 0:38:28,260] Humanity will live and die with the United States

[0:38:30,460 – 0:38:32,100] Profit in the long run

[0:38:32,500 – 0:38:34,820]But it doesn’t mean that there won’t be losses in the short term.

[0:38:34,820 – 0:38:37,020] So you have to accept short-term fluctuations

[0:38:37,020 – 0:38:39,020] Only then can you become rich

[0:38:39,980 – 0:38:42,220] So remember the 6-foot-tall man

[0:38:42,220 – 0:38:45,300] will also drown in an average of 2 feet of water

[0:38:45,580 – 0:38:46,620]What does it mean?

[0:38:46,620 – 0:38:49,220] Suppose you don’t do a good job in risk control

[0:38:50,020 – 0:38:52,300] You go borrow money to finance

[0:38:52,580 – 0:38:54,060] The whole thing fell

[0:38:54,340 – 0:38:57,020]You were called and forced to sell

[0:38:57,620 – 0:38:59,900]Although future growth

[0:39:01,460 – 0:39:02,420] It’ll be high

[0:39:02,420 – 0:39:04,420] But you will drown in the middle

[0:39:04,420 – 0:39:08,060] So investment survival is more important than return rate

[0:39:08,060 – 0:39:09,300]This is also important

[0:39:10,780 – 0:39:12,580] Any high right now

[0:39:12,580 – 0:39:14,100] The future will be low

[0:39:14,420 – 0:39:15,420] So

[0:39:18,340 – 0:39:20,820] But people will still go bankrupt in the market

[0:39:20,820 – 0:39:21,300]Why

[0:39:21,300 – 0:39:22,740] Because when it goes down

[0:39:22,740 – 0:39:25,780] Sometimes it’s like falling into a bottomless abyss

[0:39:27,060 – 0:39:29,380]You’re afraid of dying at the lowest point

[0:39:29,380 – 0:39:32,340] Or because you borrowed too much

[0:39:32,340 – 0:39:33,860]No money to repay

[0:39:34,700 – 0:39:37,140] The securities firm will cut off your financing

[0:39:38,380 – 0:39:40,180]You’re out

[0:39:40,540 – 0:39:42,740]You can’t see the sun tomorrow either

[0:39:42,740 – 0:39:43,860] So the first

[0:39:43,860 – 0:39:46,740]The second one is that you must stay alive when investing.

[0:39:48,300 – 0:39:50,460]Proper risk control in investment

[0:39:50,460 – 0:39:53,820] only when the market drops 80%

[0:39:53,820 – 0:39:55,100]You can still survive

[0:39:55,620 – 0:39:57,740] So remember to wake up every morning

[0:39:57,740 – 0:39:58,420] Think about it

[0:39:58,420 – 0:40:00,460] If the stock market drops 80%

[0:40:00,460 – 0:40:01,900]Are you still alive?

[0:40:01,900 – 0:40:05,020] You have to simulate this before you can invest

[0:40:07,540 – 0:40:09,820]You don’t need to know a lot to invest

[0:40:10,540 – 0:40:12,780] Then don’t ask about the following things

[0:40:12,780 – 0:40:14,340]Don’t ask me about individual stocks

[0:40:14,340 – 0:40:15,500]Don’t ask me either

[0:40:15,500 – 0:40:18,140] Other investments I didn’t mention

[0:40:18,740 – 0:40:20,620]Don’t ask when to buy it

[0:40:20,620 – 0:40:22,380]Don’t ask when it will be sold.

[0:40:22,380 – 0:40:24,460]We can only buy but not sell

[0:40:25,220 – 0:40:27,180]Don’t ask when it will fall

[0:40:27,180 – 0:40:29,260]Don’t ask when it will go up either

[0:40:30,260 – 0:40:32,580] Ask me if it will rise again now

[0:40:32,580 – 0:40:34,900]You ask me if it will rise again now

[0:40:34,900 – 0:40:35,700]No need to ask

[0:40:35,700 – 0:40:38,340] Do you think the market will fall again if it falls?

[0:40:38,340 – 0:40:39,220]You don’t have to ask

[0:40:39,220 – 0:40:41,380] All rise and fall time spaces

[0:40:41,380 – 0:40:42,420]Don’t even ask

[0:40:42,940 – 0:40:44,420]The answers we should have

[0:40:44,420 – 0:40:47,180] I told you all in class

[0:40:48,180 – 0:40:49,700]So study hard

[0:40:49,700 – 0:40:52,140]Watching the video is the most important thing

[0:40:52,860 – 0:40:55,020]Investment is not about knowing more, the better

[0:40:55,020 – 0:40:57,940] It’s not that the more videos you watch online

[0:40:57,940 – 0:40:59,020] The more searches

[0:40:59,020 – 0:41:00,860]The more you learn, the better you become.

[0:41:00,860 – 0:41:03,420]In fact, the less you learn about investing, the better

[0:41:03,940 – 0:41:06,500]You just need to learn today’s lesson

[0:41:06,500 – 0:41:08,660]If you have money, buy it and beat it to death rather than sell it.

[0:41:09,220 – 0:41:13,020] What to buy Nasdaq 100 Index Fund

[0:41:13,020 – 0:41:15,780] The most important thing is to hold on no matter what and never sell.

[0:41:16,380 – 0:41:18,620] It doesn’t matter if you don’t need to learn other things.

[0:41:20,420 – 0:41:23,420]Okay I guess our second lesson today

[0:41:23,420 – 0:41:25,660]Uh, the first lesson in investing

[0:41:25,660 – 0:41:28,300] Investment lecture worth 1 billion yuan

[0:41:28,300 – 0:41:30,100]That’s it.

[0:41:31,100 – 0:41:31,500]That

[0:41:32,380 – 0:41:35,900] There are handouts on the message board. You can download them there.

[0:41:35,900 – 0:41:36,300]That

[0:41:36,300 – 0:41:36,620] Uh

[0:41:38,900 – 0:41:41,580] If you have any questions, just write me an email

[0:41:41,580 – 0:41:42,420] Then we

[0:41:44,660 – 0:41:47,500] Investment lecture worth 1 billion yuan

[0:41:47,500 – 0:41:49,940] I’ll share it here today.

[0:41:50,580 – 0:41:53,060] After decades, after a few years

[0:41:53,060 – 0:41:55,500] If everyone already has more than a billion

[0:41:55,500 – 0:41:58,660] Then I’m going to have a talk about investing 10 billion

[0:41:58,660 – 0:42:01,580] Investment lecture worth 10 billion

[0:42:02,100 – 0:42:05,340] To outsiders we look like crazy people

[0:42:05,340 – 0:42:05,980]But

[0:42:06,300 – 0:42:08,500] If people think we are crazy

[0:42:08,500 – 0:42:11,180]I knew he was a poor guy.

[0:42:12,020 – 0:42:13,700] Okay, that’s it

[0:42:13,700 – 0:42:15,980]Thank you everyone today

[0:42:16,060 – 0:42:17,460] See you next time