Next week, we got GDP, interest rate announcement These major market mover events can be concerning to long term investors and retirees. That's why I hold 20%+ cash in the portfolio I even have an inverse position as a hedge in case the market goes down (around 10%). This means this position would go up when the market is going down. This means 30%+ of my portfolio is used a cash or hedge. This is the flexibility when it comes to anticipating a bear market and preserving capital. ​​Similarly, I am about to launch my first fund on August 1 2026. https://branchpointfunds.com/ It uses a similar strategy - long, cash, inverse in our machine learning fund - for retirees. For private hedge fund, SEC reserved for US investors ​with net worth greater than $2.7M. If you qualify, you can watch the presentation here: https://branchpointfunds.com/​ ​If not, that's where you would want to learn the strategy yourself through Investing Accelerator and our weekly coaching calls. ​​​ Cheers, Eric ---- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com Whether or you are retiring with $50K, $100K, $300K or more, it is important to figure out the right strategy for you. For people with lots of capital, they can afford to throw it all into CDs / GICs and earn a low 2-3% return. However, if you are looking to generate cashflow with a few hundred thousand, then you would need to look deeper You need to find a more capital efficient strategy and still achieve your target monthly cashflow (for retirement or simply working less) In Investing Accelerator, you will learn two strategies: First, we focus on buying options to buy discounted stocks to multiply our profits for long term gains (Here's the sample module of Investing Accelerator - Free Chart Course: https://5mininvesting.com/free-chart-course)

The market is turning bearish. We are currently on the edge of a bear market - just waiting for a teeny tiny push downwards which would trigger a much more bearish week So we will observe Friday's final closing price If we are going lower on Friday, then it is a good idea to hold more cash and even some hedge positions If we are able to stabilize above the current support level, then next week can still be bullish. But things aren't looking too good.​ Cheers, Eric ----- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com Whether or you are retiring with $50K, $100K, $300K or more, it is important to figure out the right strategy for you. For people with lots of capital, they can afford to throw it all into CDs / GICs and earn a low 2-3% return. However, if you are looking to generate cashflow with a few hundred thousand, then you would need to look deeper You need to find a more capital efficient strategy and still achieve your target monthly cashflow (for retirement or simply working less) In Investing Accelerator, you will learn two strategies: First, we focus on buying options to buy discounted stocks to multiply our profits for long term gains (Here's the sample module of Investing Accelerator - Free Chart Course: https://5mininvesting.com/free-chart-course) Second, we focus on selling options to generate interest premium which serves as a more predictable stream of cashflow We use these strategies on blue chip companies like Apple, Microsoft, Visa, Mastercard etc We place 1 trade a week for monthly passive income to smooth out our cashflow This allows us to split the portfolio into 2 parts 1. Low risk low return with index funds or bonds 2. Higher return higher risk cashflow generating option strategy If you are interested, you can schedule a call and ask any questions you have: https://bit.ly/48mJlgR

Once a year, I buy $10K worth of stocks for my children. The plan is to contribute every year for the first 5 years of their lives. I have two kids now (2 and 4). So far, I put in around $40K since birth. Last week, I put in another $20K for 2026 as the market was near the bottom. Today, the portfolio is worth $236,000. YAY! Not bad for an hour of work each year. This is a set and forget portfolio where I just leave the holdings alone and I don't jump in and out. My intention is to leave this alone for 20 years and give it to them for university, housing, food. Basically, give them some capital in life in case they want to start a business like me (cough cough - starting a fund biz is expensive) Some of the holdings I consider for the portfolio include: SPY QQQ QLD SPXL TQQQ SOXL SOXX (depending on your risk tolerance of course) I detailed the timing and the strategy for my children's portfolio in Investing Accelerator as well. You can access the post after you join the program: student only post link Link to join Investing Accelerator directly with 30% off​ (The funny thing is - I guess their net worth is now 6 figures and they don't even know it) Cheers, Eric ---- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com Whether or you are retiring with $50K, $100K, $300K or more, it is important to figure out the right strategy for you. For people with lots of capital, they can afford to throw it all into CDs / GICs and earn a low 2-3% return. However, if you are looking to generate cashflow with a few hundred thousand, then you would need to look deeper You need to find a more capital efficient strategy and still achieve your target monthly cashflow (for retirement or simply working less)

When it comes to long term investing, the general idea is to buy low sell high. This means you generally want to invest in mutual funds or hedge funds when the market is corrected or down. But - as a fund manager, this is something I spend my nights thinking about. If a typical long only fund like NASDAQ 100, the best time to buy when there's a slight correction or just dollar cost average. But for myself, where I focus on long, inverse and cash. The story is different. I benefit from the bear market by holding inverse positions. In fact, bear market is what separates a good active fund manager vs a simple buy and hold investor. Thats's why I am excited about the upcoming bear market. That's why in Investing Accelerator - we focus a lot on SQQQ (inverse 3x leveraged NASDAQ 100) - when to use it, how to use it, and how to hedge our portfolio when we sense risks. This is also why my first fund combines both NADSAQ 100 long and inverse as well to capture bull and bear markets. (For the private US fund, you can learn about the investing process here if you quality with net asset of $2.7 million USD excluding home: https://branchpointfunds.com/) Cheers, Eric --- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com Whether or you are retiring with $50K, $100K, $300K or more, it is important to figure out the right strategy for you. For people with lots of capital, they can afford to throw it all into CDs / GICs and earn a low 2-3% return. However, if you are looking to generate cashflow with a few hundred thousand, then you would need to look deeper You need to find a more capital efficient strategy and still achieve your target monthly cashflow (for retirement or simply working less) In Investing Accelerator, you will learn two strategies: First, we focus on buying options to buy discounted stocks to multiply our profits for long term gains

Inflation last month was 4.2% year over year. This is mainly due to higher oil prices Bloomberg forecast this week's inflation is also 4.2% year over year. I think it's going to come in lower. Crude oil prices have been falling in June. My forecast for inflation this week is less than 4.2% which should boost the market higher. So last Friday, we adjusted the model Investing Accelerator to close off our hedge and go back to long. Hedging is a method we use to reduce drawdown if we think the market is going down. It is like buying insurance in case the market goes down. This is particular useful when the market is forming a top or when we think the market is turning around. Hedging is taught extensively in Investing Accelerator Cheers, Eric --- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com Whether or you are retiring with $50K, $100K, $300K or more, it is important to figure out the right strategy for you. For people with lots of capital, they can afford to throw it all into CDs / GICs and earn a low 2-3% return. However, if you are looking to generate cashflow with a few hundred thousand, then you would need to look deeper You need to find a more capital efficient strategy and still achieve your target monthly cashflow (for retirement or simply working less) In Investing Accelerator, you will learn two strategies: First, we focus on buying options to buy discounted stocks to multiply our profits for long term gains Second, we focus on selling options to generate interest premium which serves as a more predictable stream of cashflow We use these strategies on blue chip companies like Apple, Microsoft, Visa, Mastercard etc We place 1 trade a week for monthly passive income to smooth out our cashflow This allows us to split the portfolio into 2 parts 1. Low risk low return with index funds or bonds 2. Higher return higher risk cashflow generating option strategy