If you have cash sitting in your brokerage account (eg IBKR), you may consider SGOV (iShares 0-3 Month Treasury Bond ETF). It is one of the most efficient ways to make your "dry powder" work for you. Holding SGOV is equivalent to earning a risk-free yield of around 3.6%-4%, with monthly payouts at the beginning of each month. 1. What is SGOV? SGOV is an ETF that invests exclusively in US Treasury bills with maturities of 3 months or less. It acts like a high-yield "cash bucket" within your trading account. 2. Why is it virtually risk-free? - Government Backed: It is backed by the "full faith and credit" of the US Government. - Ultra-Short Duration: Because the bonds expire within 90 days, the price is extremely stable. Even if interest rates rise, SGOV’s price barely moves (usually staying within a few cents of $100). - High Liquidity: You can sell it any time during market hours to get your cash back instantly (T+1 settlement). 3. What is the yield? As of February 2026, SGOV offers a trailing 12-month yield of approximately 4.04%. 4. How do you get paid? - Monthly Dividends: SGOV pays out interest every month. - Automatic Credit: The money is deposited directly into your brokerage account as "Cash Dividends." Summary: If you want a safe, liquid place to earn 4% while waiting for the stock market to dip, SGOV is the way to go.

1. Open your IBKR account using my referral link. It will be a US account, so you’ll need to convert your funds to USD before depositing. https://ibkr.com/referral/wenyi422 2. Fill in your personal info to open the account, better to open a "margin" account (account type: trading), instead of "cash" account (account type: investment). 3.provide details about your income, net worth, and investing experience. We need option level 3 permission, please refer to the attached screenshots — I think they should be sufficient. (pic 1 and 2) 4.Apply for option permission: 1️⃣ Open the IBKR website → log in to your account 2️⃣ Go to the Client Portal (account dashboard) 3️⃣ Click your profile icon in the top right corner → select "Settings" ->"Trading permission" -> "Request Option" (see picture 3-5) 5. How to funding Your Account: Once your account is ready, you’ll need to fund it with USD. Steps: IBKR website -> login to your account -> Transfer & Pay -> Transfer Funds -> Deposit Funds Then follow the instructions; (pic 6) Based on different currency selections, there are different methods to fund your account. (pic 7). For example, if you're using AUD, then you can transfer from WISE balance or even BPAY; If you need to convert your currency to USD, I recommend to use CurrencyFair. It’s the cheapest way I’ve found, and once you set it up, it’s super easy. My referal link：https://www.currencyfair.com/rafland/?channel=R7JA81 Let's Rock and Roll! Wendy

This post covers 90% of what you need to know about IBKR. What I’m share with you are the core essentials, so you can save time and keep your system simple and lean. 1. How to set up an option trades: In the default "Mosaic" interface, go to "New window" -> "option Chain" (see pic 1 &2) Make sure "strategy builder" is turned on when you set up your trade. (see pic 3) 2.Make sure you review every details of your trade carefully before you hit "submit" button, includng whether it's a put or call, the number of contracts, the expiry date, the premium you selected, etc. Slow down and double check. 3.After you submit the order, you’ll find it under the Orders tab, normally at the bottom left side (see pic 1). There you can clearly see whether it has been filled. Normally if it can be filled, it would be filled immediately, If it hasn’t, you can adjust the premium slightly — for example, lower it by one cent — to help get it filled. 4.How to see my Trade History: Go to "Classic TWS" at the bottom, then click Trade History at the top (see pic 4). A new window will open showing your trade history for up to the past 7 days (see pic 5). If you need records beyond that, you’ll have to log in to the IBKR website and download the performance report there.

If you truly want to make serious money in the stock market over the long run — and if you really understand the big picture and believe in value investing methodology — then you must keep a beginner’s, empty-cup mindset. When learning anything, you need to unlearn your old habits and mindset first. Study the framework carefully, understand it deeply, and execute it exactly as designed. Don’t mix in random methods from other people along the way. There are plenty of YouTube channels teaching options, and every stock platform has opinions about what a company is “worth.” What you really don’t know is their time horizon, their thinking framework, their actual goals or if they are proven successful — are they looking at the next 10 days, 3 months, or 10 years? With different lenses and timelines, the conclusions can be completely different. And most of them are traders, not investors. If you keep absorbing scattered opinions from everywhere, you end up with a confused strategy and inconsistent actions. The usual result is either losing money — or making far less than you could have. Slow down. Ground yourself. Fully understand one coherent system, and then follow it with discipline. Your first six months are not about rushing to make big money. They are about building your system, your discipline, your mindset and your conviction. If you start off casually and loosely, you will drift off track very quickly. I just added 2 posts in our course: [Feb.10] Wendy's Paper Trading - for demo purposes only https://www.skool.com/wnedys-group-3133/classroom/a1b5ffd9?md=29bbabb4c7434d97a36e84f0691c958c [Feb.10] Phil’s Trades Executed in His Funds Today https://www.skool.com/wnedys-group-3133/classroom/a1b5ffd9?md=4139a7dc3166447f8dc33d27d6b7818e Please take the time to fully understand the content — you’ll see it’s truly a path that can help you break out of the prison.

Great to see you yesterday on Session 2. I believe you’re all starting to feel the power of options and getting a bit excited. But again — we must stay disciplined and follow the rules. The recording and PPT for Session 2 have been uploaded to Skool. Here’s the link: https://www.skool.com/wnedys-group-3133/classroom/d7c4ee50?md=bd891e62752d4e609c7ff90d9137794c Please share your questions/takeaways/feedbacks from session 1-2 here.