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In Robert Kiyosaki's book, we learned about the 4 roles in a capitalistic society Employee -> Self Employed -> Business owner -> Investor Most people believe that you should fit into one criterion (e.g. Employee) However​, I believe that we are all 4. Just like how a 9 to 5 employee would invest their own retirement portfolio. To maximize our earnings, we would need to be in all 4 roles at some point For example For a long time, I work in KPMG as an employee and also build my own business on the side (e.g. Self Employed) I then quit KPMG to work full time in a self-employed to scale my business Once I reach a high level of call volume, I have to call in help, which makes me the business owner, where I focus on designing systems to deliver results instead of doing the day-to-day work. ​Finally, I invest the remaining earnings as efficiently as I can with the highest return I can achieve (30% is a good target) As I am starting a new business (My new 100 people hedge fund in US), I will go back through the 4 roles where: 1. I am the portfolio manager and trader (employee) 2. I own the portfolio management business (self-employed) 3. I design systems for people to trade on my behalf (business owner) 4. The shares of my company appreciate (​investor) and we take it IPO in 7 years Cheers, Eric ----- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com In October, my goal is to help 20 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.

I met with a friend recently who told me they’ve gone all-in on a few covered call ETFs. The appeal is clear — they can generate steady monthly income by writing options on top of a stock or index position. For income-focused investors, that regular cash flow looks attractive, especially in sideways or choppy markets. Just wondering if others here have looked into this or are doing the same? Right now I’m focused more on growth, but I like learning about new strategies so I can potentially allocate a portion of funds toward it later when it makes sense. My friend is reinvesting everything back as he's still young --- but with a good account size, I heard this can really be a great option for those who want to be hands-off.

I did a deep dive on Target. I hope this can add value to those who own or interested in Target. Is a Target a buy here ? Or are we catching a falling knife ? Is the new CEO Michael Fiddelke in February 2026 going to reignite the Revenue and EPS growth going forward? Stock : __Target _____ ticker : __TGT Does TARGET has a strong economic MOAT ? No Do I understand the business? Retailer sell merchandise via 2000 stores (80.4% revenue) and digital channels (19.6%). Products lines: everyday essentials (food&confection), HBA, clothing, household items and differentiated discounted prices. Most of its stores are larger than 170,000 square feet. Its digital channels at Target.com also offering sale and revenue. Competitors: Many !! ie Costco, Walmart, Amazon, etc and many clothing retailers Company History and Leadership: Brian Connel (current chair&CEO) leaving position, Michael Fiddelke set to take over as new CEO on on February 1, 2026. Michael F ( cfo, coo >20yrs in company experience)- goal to drive top line performance and stop the decline is yet to be seen.Target has experienced mixed financial results in early 2025, including a sales decrease and stock volatility. The leadership has also encountered criticism and boycotts related to diversity and inclusion initiatives. >400,000 employees. Target's financial performance has recently declined, with falling sales, lower operating income, and decreased comparable sales in its second quarter of fiscal year 2025 compared to the previous year. The company is facing challenges such as lower store traffic, inventory issues, and a customer backlash that began in late 2021, leading to a significant drop in its stock price and a stagnation of annual revenue for the past four years. In 2023 9 stores closed due theft. Retail shrink is high. How are their fundamentals? · Market cap: 40.05Billions compares other peers ie Walmart 815.86B, · Revenue: 104.65B Revenue Growth rate 2% - forecast to grow slower than US market of 9.7%

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