I was sick this weekend with a painful sore throat. So I focus on the fundamentals of rule based investing I do the analysis - follow the rules - make the prediction Monday, oil market starts retracing and the overall stock market is heading up. This leads to good gains for my long term portfolio. When I am investing, I am often not performing at 120% Instead, I might be sick, might be distracted, might be chasing kids around. During those <100% times, I would rely on the rules that I developed to make predictions and develop a view on where the market is going That's the crux of rule based investing - even if I am sick. Cheers, Eric Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com If you are looking for free materials to get started with your investing journey, here's the monthly passive income materials 1. First - you can attend the free webinar:  https://5mininvesting.com/value-video-2-0/ 2. Here’s the basic strategy to generate income for retirement - covered calls (and selling cash secured puts). Here’s the video: https://youtu.be/JjlszDh4-sI 3. Free Chart course - to set up your chart like mine to find discounted stocks: https://www.skool.com/invest-retire-community-1699/classroom/c1a58085?md=bede8cf0299045df9ecdf76396d43135 4. If you are interested in Investing Accelerator, you can schedule a call to ask any questions you have before joining the program: https://bit.ly/48mJlgR Remember there are additional resources in the classroom tab. 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.

When people invest long term, it is inevitable that they will deal with volatility. Volatility is such an abstract concept - so let me make it real for you It means your portfolio will go down by 50% Here's what Charlie Munger said: “I think it’s in the nature of long-term shareholding that the normal vicissitudes in markets means that the long-term holder has the quoted value of his stocks go down by, say, 50%,” Is Charlie worried at all? “Zero,” he said. “This is the third time that Warren and I have seen our holdings in Berkshire Hathaway go down, top tick to bottom tick, by 50%.” Even if you are not planning to stock pick like Warren and Charlie, it pays to know that S&P 500 largest drawdown can be 34% to55% "The Great Depression saw an 86% decline, the Dot-Com Bubble burst a 49% drop, and the Global Financial Crisis a 55% loss. The COVID-19 crash in 2020 saw a 34% drop in just weeks." ​If you plan to use leverage to improve your results, you must stomach such volatility (your portfolio going up and down). One alternative that I find very helpful is to build up a cash reserve to invest. Another alternative I find very helpful is to learn how to short the market such that even when the market is going down - you can make money.​​​​​​​ For example, while S&P 500 is down significantly in April (-5.6%) My portfolio for long term using leverage is +31% this month (mainly because I shorted a few times this month)​ There is still quite a bit of uncertainty in the remaining weeks of April but that's where I stand for now Cheers, Eric ------ Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com In April, my goal is to help 5 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.

Congratulations to the following 10 people for being the most contributing members of the community: 1) @Rong Zhou 2) @Lindsay Talbot 3) @Kevin Esmati 4) @Leon K 5) @Monica Bernard 6) @Sukhwinder Dhanoa 7) @Kim Huynh 8) @Cris Bob 9) @Velle SG 10) @Sandra Van Den Ham I (Michael) will contact you in the chat to provide you with the gifts. You will receive: - 1 share of (QSR) = $65.25 USD To show proof of purchase, you must post in the community that you received the share. For next month March , the prizes will be: - 1 share of (CMG) Chipotle is a popular Mexcian food chain which historically have strong earnings, currently at a discount You can be the next top contributor for the next 30 days (https://www.skool.com/invest-retire-community-1699/-/leaderboards) NEW referral program: Get the $100 stock referral program per scheduled call If you refer any friends to watch the free webinar and schedules a qualified call with me, you can BOTH get up to $100 worth of stocks No purchase required as long as he finishes the webinar and schedules a qualified call (completing the necessary steps) Here's the link to the webinar to share with your friends: https://5mininvesting.com/free-case-study/ Let me know their name if they scheduled a call and I will track the referral for you We have given out shares such as Chipotle, Starbucks, Walmart and more. Let me know if you have any questions Cheers, Michael Team @Eric Seto

Since we are all here learning, let's share your favourite investing tip in the comments below. Here's my favourite: To make money, you don't need to be faster than the machine learning hedge funds but you just need to be more accurate. Explanation: Investing is not about being reactive to the market. If you plan ahead, do your analysis, you will make money even if you focus on the higher timeframes (bigger picture). What's your favourite investing tip?

Adding a bit more information on the previous result where I made 60.48% this year so far. It contains index funds and also a few big tech stocks such as AAPL, and others. Here you will see part of the account statement after I implemented Version 4 of the strategy for my index fund portfolio (plus a few big tech stocks). AAPL +$117,487.86​​​​​​ GOOGL +$20,555.82 LULU +$28,548.28 MSFT -$22,781.95 Plus my index fund positions are not closed yet.​ LULU is an one-off position for this portfolio as I happened to capture that earning move.​​ ​ Cheers, Eric ------- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com Free webinar - how to get 30%: https://5mininvesting.com/free-case-study/ In June, my goal is to help 10 people without a financial background to master investing. 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. 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 30% per year. During the call, we will map out exactly how you can achieve 30%, what you are lacking, how you can improve. If you have any questions about the program, you can ask during the call as well. Schedule a call here: https://bit.ly/48mJlgR Remember to go to the Classroom tab for additional investing resources.