
Campus Investment Lectures (1) Master’s Class Investing in Long-term High Returns Makes You Wealthy in Life
A campus investment lecture on financial freedom, retirement targets, time and compounding, fund selection and switching costs, government credit and QE, subscription businesses, and fund currencies.

Investing and Personal Finance (11): How Trading and Taxes Can Reduce Wealth to One-Third
A compound-growth lesson on how management fees, performance lost through frequent trading, and US capital-gains taxes can erode wealth over decades and change ending values.

Investing and Personal Finance (10): Principles for Successful Investing
An investment-psychology lesson on attitudes toward wealth, being approximately right instead of precisely wrong, tortoise and hare behavior, short-term losses, discipline, and emotional control.

Investing and Personal Finance (9) Comparison of SPY QQQ AAPL dividend growth rates. Note that the graph is not logarithmic. Taking the logarithmic chart, the growth rate is AAPL11.39% > QQQ9.7% > SPY8.65%. CLEC
A practical demonstration of downloading SPY, QQQ, and AAPL dividend histories from Yahoo Finance, converting quarterly payments into annual data, aligning periods, and comparing growth curves.

Investing and Personal Finance (8): Sequence-of-Returns Risk for Retirees | CLEC, October 3, 2019
An explanation of sequence-of-returns risk for retirees, contrasting accumulation with withdrawals and using withdrawal rates, cash buffers, and time-based retirement buckets to manage early losses.

Investing and Personal Finance (7) Stock index investment, the long-term return is much higher than that of bonds, and the risk of stock index is much lower than that of bonds
A 2019 comparison of SPY dividend yield, US Treasury yields, and historical return ranges for stocks and bonds, showing how the holding period changes the risk comparison in the video.

Investing and Personal Finance (6) How to avoid market risks; don’t predict the market; don’t leave the market
A video on the risk of leaving the market after forecasting a peak, the cost of missing a few strong days, frequent switching, impatience, stock-backed leverage, and emotions that disrupt long-term ownership.

Investing and Personal Finance (5) Investment success formula; time is investors’ friend; be patient and become rich; don’t operate; don’t leave the market
An investment lesson on time, compounding, regular saving, starting early, patient index ownership, passive defense, reducing trades, and avoiding unnecessary exits from the market.

Investing and Personal Finance (4) Expected return on investment in US Index Fund SPY
A 2019 walkthrough of a simple SPY return model based on dividend yield plus dividend growth, with P/E valuation and purchase price used to explain why expected returns may be harder to realize.

Investing and Personal Finance (3): QQQ Annualized 22.45% from 2009–2019 and How Annualized Returns Are Calculated
A practical guide to calculating annualized return from ending value, starting capital, and years invested, using a 100-to-250 example and two historical QQQ holding periods.

Investing and Personal Finance (2) Interest rates, asset bubbles, central-bank money printing, money games, how investors can avoid the risks of money games
A financial update on low rates, asset prices, inequality, bonds, gold, property and stocks, a thatched-house credit parable, productive government borrowing, bubbles, and reserve currencies.

Investing and Personal Finance (1) Good investment targets and a good book. Are you suitable for investing in individual stocks? Risk, survival is everything
A financial education video comparing Taiwan funds with QQQ and SPY, explaining ten-year holding horizons, cash and living-expense reserves, index and stock risk, and priorities beyond replaceable assets.