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

For a normal finance professional, starting a fund is an enormous task. The startup cost for a complex fund can easily rack up to $300K+ USD including legal, tax structuring advice. FYI - Getting the best advice is worth every penny in a complex legal and tax environment.​​ Once you solve all the legal and tax hurdles, you also need to figure out a way to find investors. With SEC's June 2026 update, only investors with $2.7 million in net asset can invest in a hedge fund with performance fees. If a private fund chooses to not charge any performance fees, it would end up compete against regular indexes with a race to the bottom for fixed management fees. See here on how we balance low management fees and performance fees which turns a cost into an incentive: https://branchpointfunds.com/​​​​​​​​​​​ ​I still remember my mentor (who is one of the top ranking mutual funds in his category in Canada with over $1B in asset under management) told me... When he first started his fund, he was under a lot of stress. Mostly coming from balancing between finding investors, getting performance and compliance all at the same time. He did have one of the richest families in Canada as his backer - but still. ​​ For my fund, it is a bit different. All of the employees (CEO, CCO, CFO and myself as the president) have stable income and significant assets outside of the venture. Our CEO is multi-millionaire with startup investing and other investing income Our CFO is millionaire with stable income Our CCO has multiple other entrepreneurial income streams​​ This makes the fund launch a lot easier because we focus on getting this right. We focus on building the right medium to long term organizational structure for success.​ This is why I am very impressed by my mentor where he had to cold turkey the fund launch process 30+ years ago. ​For my fund launch, I focus on the long term success of the fund and how we continue to evolve with the market over the next 10-20 years.

Semiconductors have been on an amazing run for a while. However, we are reaching peak valuations where everyone knows it is a bubble - but no one knows when it will pop MU, Sandisk SNDK and other semiconductors stocks are showing signs of correction. The Federal reserve interest rate decision the end of this month might trigger an August correction. That's what I am paying attention to for now. Meanwhile, I am still bullish for the 2nd half of July.​ 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 If you are interested, you can schedule a call and ask any questions you have: https://bit.ly/48mJlgR Disclaimer: This communication is provided for educational and informational purposes only and does not constitute investment advice, a recommendation, or an offer to invest in any fund or strategy. No advisory relationship is formed by receipt of this content. Any references to strategies or markets are general in nature and do not reflect the performance of any client account or investment product.

Everyone is panicking about SPCX going below IPO open price but... The truth is - IPO price is usually inflated. This is when insider cash out and sell. Facebook dropped below its IPO price Uber dropped below its IPO price Airbnb dropped below its IPO price Tesla dropped below its IPO price Investment bankers hype up the IPO, sells it to the public - rinse and repeat That's why generally I do not touch IPO until they have been on the market for 1 year. (which coincidentally matches with how long NASDSAQ 100 and S&P 500 requires a stock to be public first before adding to an index)​​ ​ 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 If you are interested, you can schedule a call and ask any questions you have: https://bit.ly/48mJlgR

Most index funds are not made to deal with the bear market. We are told to buy and hold when the market goes down and correct itself. Yes - we can diversify - but most of the industries are correlated (even oil and gas and real estate). This means when the overall market goes down, we all go down together. So after years (17+) of studying the market, I conclude - The best to deal with the bear market is learning how to use inverse index funds. For example - most people buy QQQ NADSAQ 100 long. But you can also buy inverse QQQ NASDAQ 100, which is an ETF that will go up when NASDAQ 100 goes down. By combining the ability to choose from long NASDAQ 100 (bull), inverse NASDAQ 100 (bear), and hold cash, this will give you more flexibility to deal with the market downturn This is especially important because the market is at a high. SPY and QQQ return are hitting 20% per year (which we know the average is 10%). So we are in the middle or near the top of a bull cycle. So the bear cycle is coming. So the secret is: long, inverse, cash. However, rotating between long and inverse can be time consuming. It requires you to have years of experience (and perhaps a machine learning model) It also can be an emotional journey for newbies. That's why we create a fund to address this problem. So I take on the emotional stress instead of you ;) wink wink.​ (One investor asked me why did I go bald? That's why. I used all my hair to developed the machine learning algorithm)​ It is our "best" answer to the bear market to date. However, SEC limits only investors with $2.7 million in net asset can invest in this fund. So if you are the qualified few that meet the net asset requirement, you can watch the presentation here to learn more:​ https://branchpointfunds.com/ Cheers, Eric