3,2,1 - Happy New Year ! As we flip over the page of 2025 and continue our journey into 2026, I would like to thank you for being part of this community and on my email list. 2025 was a year of growth for me, where I rapidly tested hundreds of investing strategies (experiencing another growth spurt in my investing career) 2026 ​is the year when we scale strategies and help more people in the process ​​Instead of capital gains, my focus is now to help people retire better with income-genearting strategies. ​​ This is particularly helpful if one is using Roth or a Traditional IRA to invest, where one can generate the income and delay tax until one needs it (or completely tax free with Roth) ​​ ​I wish you the best for 2026 and thanks again for your support in 2025. Cheers, Eric ---- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com In January, my goal is to help 25 people without a financial background to master investing through Investing Accelerator. Investing Accelerator is designed for people without a financial background. The goal is to achieve 30% return per year. In the first phase, you will learn long term investing and targeting 30% for tax free compound growth. This will help accelerate your overall wealth. In the second phase, you will learn monthly passive income to provide a more predictable cash flow (target 30% per year) which can cover your expenses. This will help accelerate your retirement goals. Here's a step by step guide on how to join Investing Accelerator for free: https://www.skool.com/invest-retire-community-1699/how-to-join-investing-accelerator-for-free If you are interested, then let's hop on a call to see if you can benefit from the strategies in Investing Accelerator and get target 30% per year. During the call, we will map out exactly how you can achieve target 30%, what you are lacking, how you can improve.

Grade A Good EPS and Growth Forecast to be under intrinsic value 25% off ATH

For monthly income there are many strategies such as CSP, CC, Credit Put Spreads, dividend stocks and ETFs. In this community, I learned about Roundhill ETFs that pay weekly dividends. I tried one of their product and sharing my results with all of you. I bought QDTE in April 2025, when market was dropping, good timing by chance and sold it in August. After holding it for almost 4 months here are my returns. Total Dividend: $116.09 Tax Paid: $-17.35 Net dividend: $- 98.74 Capital: $1047 4 months : 9.4% Stock app : 16.7% As I am a non US resident, I paid 15% in taxes. My after tax dividend return is 9.4% in 4 months and stock price increased by 16.7%. In total my return was 25% i.e. 6.25% monthly. This ETF has performed well since it's inception in March 2024 (bull market). How will it perform in bear market needs to be seen.

🐻 What is a bear trap? It's a price movement that appears to be the start of another bearish wave, but in reality, it's the very beginning of an uptrend. 📉 Sellers get confused and think another plunge is incoming. All this happens while the price is skyrocketing above recent resistance levels, collecting liquidity on the way. ✅ When you see a bear trap, the best you can do is to buy at the retest of the resistance levels that used to be a support. Look for confirmation on smaller timeframes or seek reversal candlestick patterns. ❌ Your Stop Loss should be below the support (fakeout), as shown in the figure. Take-profit levels can be forecasted via Fibonacci levels, or you can place them near a distant resistance level.

- Dec 31 is Warren Buffett's last day as CEO of Berkshire Hathaway - He started in 1965 with the stock at $19; today it's up 3,950,000% to $750,000 per share 5 Buffet quotes to ponder - “Rule No. 1 is never lose money. Rule No. 2 is never forget Rule No. 1.” -“The most important thing to do if you find yourself in a hole is to stop digging.” - “Price is what you pay, value is what you get.” - “Risk comes from not knowing what you are doing.” - “Today, people who hold cash equivalents feel comfortable. They shouldn’t. They have opted for a terrible long-term asset, one that pays virtually nothing and is certain to depreciate in value.”