00651
A 70/30 Allocation for Peace of Mind: A Meditator Invests in the Nasdaq-100
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A 70/30 Allocation for Peace of Mind: A Meditator Invests in the Nasdaq-100
A 38-year-old meditator in a small Chinese city has no fixed job, spends about RMB80,000 yearly, and holds RMB3.2 million including a RMB1 million savings policy.
19:34
00650
Warm-up before 433: Use 712_613_523 to practice "smart rebalancing"
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Warm-up before 433: Use 712_613_523 to practice "smart rebalancing"
A 35-year-old parent of two wants to progress from 00662 into leveraged allocations; the video stages practice through 7-1-2, 6-1-3, and 5-2-3 with explicit risk limits.
25:52
00650
From debt repayment thinking to pledge thinking: let your pension spend more and more
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From debt repayment thinking to pledge thinking: let your pension spend more and more
A retired 70-year-old rethinks debt through securities-backed borrowing; the video covers PAL principal and interest, retirement cash flow, lower-Beta allocations, and preserving cash in declines.
24:44
00650
Don’t rely on timing, rely on methods: Smart rebalancing allows you to make steady profits on the Nasdaq in the long term
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Don’t rely on timing, rely on methods: Smart rebalancing allows you to make steady profits on the Nasdaq in the long term
A listener plans a HK$3.25 million portfolio for doctoral study and a mother's retirement; the video explains annual smart rebalancing between core, leverage, and cash.
19:23
00650
Don't let filial piety turn into bankruptcy; spend a small amount of money every month and lose a lot of money every year.
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Don't let filial piety turn into bankruptcy; spend a small amount of money every month and lose a lot of money every year.
The video reviews a listener's income, family-support, and health-cost pressures; the speaker orders the response as positive cash flow, spending cuts, family boundaries, and only then investing.
26:44
00649
Borrow safely even after 10 years of retirement: How to deal with the asset allocation of a single large pledged loan
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Borrow safely even after 10 years of retirement: How to deal with the asset allocation of a single large pledged loan
For a large one-time loan ten years into retirement, the video caps securities-backed borrowing at 10% of assets, requires twice the loan in cash, and compares 4-3-3, 5-1-4, and 4-1-5.
20:08
00649
Pledge 2% for living expenses and reinvest the surplus: cash flow design for retirement at the age of 56
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Pledge 2% for living expenses and reinvest the surplus: cash flow design for retirement at the age of 56
A 47-year-old plans roughly NT$10 million in mortgage and 2.28% personal-loan funding, lifting assets to NT$44.3 million; the video models a 4-3-3 path to retirement at 56.
14:56
00649
Pay off the mortgage first after selling the house? Do pensions have to be paid?
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Pay off the mortgage first after selling the house? Do pensions have to be paid?
A 30-year-old in mainland China compares two public pension options and asks whether proceeds from an idle home should first repay a RMB300,000 mortgage at 3.2% or fund 513100.
17:17
00649
The necessary evil of a long-term perspective: the strategy of switching US stocks to Hong Kong stocks, inheritance tax considerations and the wealth inheritance thinking of intrinsic growth
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The necessary evil of a long-term perspective: the strategy of switching US stocks to Hong Kong stocks, inheritance tax considerations and the wealth inheritance thinking of intrinsic growth
A letter about moving from U.S. to Hong Kong stocks weighs unrealized losses, taxes, growth opportunity costs, U.S. estate-tax concerns, mortgage flexibility, entrepreneurship, and family values.
18:04
00648
433 asset allocation, stability is better than short-term
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433 asset allocation, stability is better than short-term
The 433 allocation combines 40% core index exposure, 30% leveraged exposure, and 30% money market funds, with a simple six-month, three-month, three-month annual contribution cycle.
17:04
00648
Thirty-year loan + high cash ratio: the most stable solution to maintain the bottom line of retirement
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Thirty-year loan + high cash ratio: the most stable solution to maintain the bottom line of retirement
A near-retirement case favors borrowing NT$6 million rather than using a NT$25 million limit, choosing a thirty-year loan, and combining 30-40% cash with 00662, 00670L, 00865B, and 2% borrowing.
23:49
00648
From millions of losses to all investment mines, an investor’s psychology and wealth reconstruction journey
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From millions of losses to all investment mines, an investor’s psychology and wealth reconstruction journey
An investor's path from starting at 18 through the 2008 crisis, a 2021 eight-figure NT-dollar fraud, crypto collapses, and property disputes becomes a story of financial and psychological rebuilding.
22:04