短篇！沒有良心的金融業和理專與沒有良心的保險公司與保險經紀，百倍可惡於詐騙集團。 2024年9月20日 CLEC投資理財頻道（多語音）

Hi everyone, thanks for watching my video on long-term investing for beginners. Today we will kick off the video with an introduction of myself and CLEC. Then I will walk you through my journey of how I got started in long-term investing and share what I've learned throughout the years. This video is perfect for you if you're just getting started or if you're simply just curious about investing and want to learn more. Alright, let's get started. First of all, my name is Priscilla and I'm excited to share with you my personal journey to long-term investing. I first joined CLEC when I was 25 and started saving money into investment funds every month. I'm now 33 and on the right path to retiring young and living with financial freedom. I love to travel and experience different cultures and my goal is to retire by 45 so I can travel to the world and learn more. I also want to travel to different countries and see the world. How I got started in long-term investing was actually because of my mom. She has been my biggest influence in investing with a long-term mindset. She has always encouraged me to start saving at a young age and to plan for the future. I'll be honest that I didn't always listen because of my love for traveling and I was spending a good chunk of my money on that. But now I'm grateful for it. I'm grateful that she never stopped trying to encourage me and let me tell you why. I still remember when my mom first started going to these CLEC classes on weekends and would always be so excited to share the investment tips that she had learned with me. The more she attended these classes, the more intrigued I was to learn more. And then finally I decided to join the club as well. And I cannot express how glad I am that I made this decision and gave it a chance. So what exactly is CLEC? It stands for California Life Enrichment Club. We're a non-profit organization established in 2006 and registered in California. The purpose of this club is for investment and financial education. And the information we provide is absolutely non-commercial. All the funds or related products mentioned in this video are only suggestions. We have absolutely no cooperative relationship with banks and vendors. In good faith, we always provide information that we believe is beneficial to the public and for your reference only. CLEC motto is: Investment must be ca utious， make your own decisions， and be responsible for yourself。 Now I will share my journey to long-term investing。 So ever since my first job at the YMCA as a swim instructor， any money I earned I've always saved into my Wells Fargo savings account。 I always thought this was the right way to manage my money， and every month I will look forward to seeing the promised 0.01 % interest reflected in my account， even though the amount was always so small like around 10 cents。 I always thought this was the way to go about your earnings， and figured once I make more money that the 0.01 % will look a lot bigger。 I just needed to work hard and keep getting raises， and so that was my ultimate goal。 I figured I would hopefully retire around 60， just in time to start collecting my retirement benefits at 62。 It was the typical path for average Americans， and I felt good about following this same path， since this seemed to be most people's plan。 Growing up I never knew much about the stock market， and to be honest I never really paid attention until I was in my 20s。 But even then I always thought it was risky。 I've seen Wall Street movies and have heard stories of people losing money to the stock market， and I just always thought it sounded like a gamble to get involved， and I've never been much of a big gambler。 To me I felt like it was just too risky。 I worked so hard to earn my paycheck， and it just didn't make sense to me to throw it all away on something that you have a 50 % chance of winning or losing。 I'd rather not lose any money at all。 So when my mom， who has the same mindset about gambling， pretty sure she rubbed off on me and probably told me some of the stories， she started to convince me to save my paychecks into investment funds instead of my Wells Fargo bank account， I had to figure out why and what had changed her mind。 I still remember the day my viewpoint completely changed about long-term investments。 It was when I saw this 70-year trend graph here on the left from GSPC stock when I attended a CLEC class。 What we can see here is the ups and downs in the performance of S&P 500's aggregated stock price。 But if we look at the red arrow pointing up， it's pretty apparent that overall trend has always gone up。 This is why short-term investment is risky， because if you buy what you thought was low and the market tanks the next week or month or even year, and you react and sell in a panic to prevent from losing more money. But if you invest long-term, it's always going to go up and you never lose money. I was so blown away by this graph here. I remember looking over at my brother and we were both in disbelief. I also was surprised that I was not aware of this. This is all public information and somehow it's not a top secret at all. But most of the general public don't even know about this. We never learned this in school. And if my mom didn't join CLEC, I would probably still be clueless. We felt like we found gold with all this information. In another CLEC class, we learned about the compound interest calculator. This I had heard of but never used it. It provides an overall estimate of how much your initial savings will grow over time based on the interest rate and the compounding schedule you enter in. So I plugged in my numbers with $1,000 a month for 20 years with 15% interest. And I could not believe my own eyes when I saw the results here on the left. $3.5 million? I always thought being a millionaire was a far-fetched idea, let alone being a multimillionaire. And at the age of 45, that's 15 years earlier than I was planning on retiring, I was so excited with what I had learned from CLEC. that I became a firm believer in the power of investing long term and just truly how much money you can make. It was so clear to me then that this was going to be my ticket to financial freedom, to retiring young and traveling the world like I've always wanted. The combination of the hard data and the projection from the interest calculator informed me so much that I started putting money into investment right away. So I could start pursuing the $3.5 million life that I never thought was possible. I began to invest as much as I could with every month's paycheck. And I've been doing that for over eight years now. And I'm happy to say I am right on par with the projection of the compound interest rate I've been doing with this calculator so far. And until this day I am still so amazed by how well the long term mindset really works. There really is no trick, no insider secret, and it's not gambling. All you have to do is instill that long term goal mindset and really believe it. It may sound easy to do, but there will be times it's hard when you see your investments are down or the lowest y ou've ever seen. But you have t o remember not to panic. , and remember that we're in this for the long run and it always goes back up. It's the natural ebb and flow of the market, and staying mentally strong during these lows is the most important factor in all of this. I am so glad I learned this from CLEC, and it's truly changed my life. I will be a $ 3.5 million multi-millionaire in 12 years. This is why I wanted to share my story with you and help you become educated on long term investing, just like my mom did for me. And hopefully you will do the same for your family and friends and get the word out there as well. All right. Let's switch gears a little bit to Warren Buffett, the king of investors. So, diving a little bit deeper about the concept of investing, Warren Buffett is a role model investor for many people in the investing world. For those of you who are not familiar with Warren Buffett, he is the chairman and CEO of Berkshire Hathaway. He is known as being the most successful investor, and he started investing when he was just 15 years old. He grew his net worth from 6,000 at that age to 85 billion as of the end of last year. He is the fourth wealthiest person in the US. One of my favorite quotes by him: If you don't find a way to make money while you sleep, you will work until you die. And that's what long term investing is, letting the market do the work while you sleep. Another one of his quotes I wanted to share is: I always knew I was going to be rich. I don't think I ever doubted it for a minute. This is such an important mindset to have, especially with the ebb and flow of the market. You want to make sure that you stay focused on your long term goals and don't let your beliefs waver. Last quote I wanted to share is: Someone sitting in the shade today because someone planted a tree a long time ago. The same concept applies here, that if you start investing today, you will reap the rewards later on. So, here are some of the strategies that Warren Buffett recommends. Number one, stick with long term value investing strategies. Don't let fear and greed change your investing criteria and values. Avoid being overwhelmed by outside forces that affect your emotions. Never sell into panic. This is the number one most important factor to being successful in your investments. Number two, invest in what you understand. Buffet t only invests in companies that he understan. ds and believes have stable or predictabl. e products for the next 10 to 15 years。 If you understand the nature of the industry and how things operate， you'll be able to make more informed decisions。 Number three， invest like you are buying the entire company。 Treat investing in stocks as though you are buying the entire company。 Always take a hard look at the enterprise value because this is the total price of a company。 In other words， it is the price you would be paying for the company if you could buy the whole company at current price。 Number four， invest in companies with competitive advantages。 Companies with pricing power， strategic assets， powerful brands or other competitive advantages have the ability to outperform in good and challenging times。 A long term investing strategy requires investing in companies that can weather both good and bad economic times。 The most successful companies are the ones that are agile and able to adapt and pivot when needed。 Number five， find quality companies。 Believe in quality investing。 It's better to pay a fair price for a great company than a low price for a mediocre company。 Quality over quantity always。 Number six， keep cash on hand。 Investment opportunities become available through broad market corrections or individual stocks that become bargains。 These are not predictable events so cash on hand is an important concept in value investing。 However this works for large organizations like hedge funds， but for individuals like us we recommend to invest whenever you have the money available like a payday。 Number seven， require a margin of safety。 Purchasing stocks with a margin of safety below their intrinsic value reduces risk and provides an allowance for unforeseen negative events。 Intrinsic value is what a stock is worth。 You could simply go with the current stock price but that price is subject to the market's whims。 The intrinsic value of a stock is its true value。 It refers to what a stock is actually worth。 Number eight， lastly， compounding and patience。 Understanding that long term value investing is believing the power of exponential growth。 Companies with substantial profits can pay and grow their dividends。 So by following these proven Warren Buffett strategies we can all learn to be disciplined to build more wealth over the long run。 Mak e sure to always keep these strategies in mind to improve and sharpen your investment management skills。 No w that we've got the principles of long term investing covered， let's talk about why long term investment is one of the easiest ways to make money。 When looking at long term investments， just like Buffett said， we want to study the stocks that have a promising future for the next 10 to 15 years。 ETF， exchange traded funds， is what it stands for， such as QQQ， consists of 100 high tech stocks that has the highest growth potential with a long term average growth of 12 to 15 percent。 As we are all aware how tech companies have significantly changed our society over the last 20 years， we live in a world where everything can be done online now， from ordering food to buying clothes to socializing with people， everything can be done through the internet thanks to these high tech companies。 So high tech companies have paved the way for our daily norms and will continue to do so in the future。 ETFs like QQQ always show an upward trajectory which makes it very suitable for long term investment。 Other ETFs with high growth are ARK by Cathie Wood， TSLA also known as Tesla， SQ Square， Apple， Amazon and PayPal。 I won't go into each company's details but definitely do some research on your own if you are not familiar with these companies。 As a reminder， these are purely suggestions by CLEC and you are obviously welcome to do your own research in the industry， sector and products that you have a great understanding of， and invest there if there is a promising future。 So now that we know what kind of companies we should be investing in， let's talk about what exactly needs to be done so you are on your way to becoming a millionaire。 Understanding the basic concept is super crucial， which is why we spent majority of this video covering that。 The next step is to figure out how much to invest each month in order to get where you want to be financially。 First and foremost， let's set up a goal， a realistic goal。 I encourage you to sit down and think about what is actually doable after all of your expenses and how much you are willing and able to put money aside for your future。 Once that goal is determined， you will want to pick the right investment options to save in。 Keep in mind the options shown below are purely suggestions put together by CLEC experts based on risk versus reward analysis for long term in vestments。 Let's start。 So essentially the biggest difference between thes e three options is the amount of return and price fluctuation. So make sure that you pick the combination that best suits your comfortability. And that brings us to the end of this video. I hope that you have found the information presented today helpful. The key takeaway is the sooner you start long term investing, the sooner you will become a millionaire. The most important factor to achieving this goal is instilling that long term mindset and do not buy or sell stocks frequently based on the short term ebb and flow of the market. Think of your long term investments as your retirement fund. You put your money into it and just don't touch it. Don't think about it or even check it too often because it will likely affect your mood seeing the ups and downs. And you have to remember we need to be just looking for the consistent overall growth long term. So to sum everything up, long term investing is the easiest way to make money while you sleep. Just sit back and let the market do the work for you. You can finally relax and reap the benefits. Remember the two graphs below that changed my life. Hopefully they will change yours too. Thanks everyone. Make sure to subscribe to the CLEC YouTube channel. Check out the book list and read our investment articles. And if you like our content please give us a like and follow and share with your family and friends.

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