This Can Help You Beat The Market: Dynamic Investing Strategy

[00:00:00]dynamic investing. I want to ask how many of you have uh heard of dynamic investing strategy before. If you have, can you type D? If you have not, can you type N? Okay. N stands for not yet.

[00:00:12]Dense or you heard of it called dynamic.

[00:00:15]Okay. No, no, no, no, no, no, no. Okay.

[00:00:17]Not yet. Not yet. Not yet. Okay. Great.

[00:00:18]So, we are going to learn this new strategy together. And what I like about this most is everything can be automated. And I will also show you later on how you can automate the entire investing process to make it so simple so that it can really help you to build up your long-term portfolio in a very very in my opinion uh effortless manner at the same time you still compound your portfolio uh together with this dis strategy. So if you're excited and ready to learn can you type dis in the chat?

[00:00:51]Okay, how many are very excited? Awesome Lawrence. Okay, all good. So now let's get started. So now the reason why I actually start to explore this strategy is because there are so many people keep on asking, "Hey Chloe, is it possible to time the market?" So guys, can you tell me is it possible to time the market?

[00:01:11]Yes or no? Can you effective time the market? Yes. If you think so, type yes.

[00:01:16]If you don't think so, type no. Okay.

[00:01:19]Though some of you say no. Okay. Half.

[00:01:23]Okay. Some of you say yes. All right. So if you type yes, can you put it in the chat? Why do you think that you can effectively time the market? Can you put it in the chat? Okay, so most of you guys think that it's not really. Okay, some of you say seasonal. Seasonal doesn't mean that sometimes you can effectively time, sometimes you might not be able to effectively time. All right, so well after I discovered this strategy, right, I've realized that actually there is a way to time the market better. Okay. And this DIS strategy will help you to do that in a very very simple manner. And that's what I get very amazed. And on top of that, right, I don't want to just share a new strategy for the sake of sharing. I actually want to do back testing to see whether does this strategy actually work. Okay, based on like historical track track record because if has worked on a 25 years time frame, that means it can actually work for you, right? So that's why I did back testing and the result reveal something very shocking about investing and that's what I we're going to find out tonight in today's workshop. And now of course before we go into this DIS strategy right what's the most common investing mistake well how many of you found that you make this mistake before that wow when the market is tanking that means when the market is dropping you kind of feel very uneasy you felt nervous you felt like oh my god my portfolio is is dropping I better make sure I sell now so you kind of end up panic selling and cutting losses how many of you experienced that before if you experienced that before can that e in the chat okay emotional trading.

[00:02:54]Okay. So, Lawrence experienced that.

[00:02:56]Ivonne experienced that. Okay. Same here. Okay. I experienced that before.

[00:03:00]So, if you did this before, it's totally normal. Okay. Because we are emotional creatures. Okay. And now another thing, okay, if you have not experienced it before, how many of you experienced this then that you felt for more like you fear of missing out because you didn't get in earlier. So after that you keep on seeing the market rising and rising and you keep on asking yourself, "Oh my god, I did not get in at lower price. I better make sure I get in right now."

[00:03:25]But the moment you got in, for some reason the market start dropping. Okay, how many of you experienced this before?

[00:03:31]If you have FOMO before, can you type FOMO? Okay, FOMO stands for fear of missing out. Then you actually kind of got in at the wrong timing and end up you suffer losses. Okay, so a lot of you also experienced that. Well, me too.

[00:03:44]Okay, we are all humans. It's very normal because at the end of the day investing it's not your it's not the problem that you don't have investing knowledge. All of us know that we shouldn't buy high sell low right but how come end up most most of the time we might just end up you know making these mistakes it's because of this cycle of market emotions that you will definitely experience especially if you're very new to investing. I want to ask how many of you are new to investing. If you're new, can you type new? Okay, I want to see how many of you are new. If you're new, I would say you will definitely experience emotions for sure. And I think you will only be able to be more calm in investing as you gain experience. But a lot of time all these experience also means very painful losses that you might end up facing. And that's why I want to prevent you or ideally all right help you to minimize okay this kind of emotional investing as much as possible so that you can deter yourself from facing this common human psychology but end up you are able to invest more emotionlessly okay how many of you understand where I'm coming from if you understand can you type eel okay eel stands for emotionless okay emotionlessly that's the whole idea because If you don't invest emotionlessly, you will end up facing this cycle of these repeated mistakes again and again because you haven't seen how much the market has been evolving the whole time. The history just repeats itself. There are always correction, sometimes there even big crisis, right? So if you see that again and if you fall back to the emotional trap, then you are unable to build up a solid portfolio. But once you're able to remove all those emotions, that's how you are able to really start building your wealth consistently. And this is what it's about, right? It's really about removing our emotions using this new dis framework. Now, very importantly, okay, if you are able to remove the emotions, guys, I want to show you at the end of the day, right, there will be a holy grail. Okay, the holy grail is you are able to compound your portfolio in a very consistent manner. So for example, just look at this chart. Okay, this is the S SNP500.

[00:06:06]Okay, in case you're new, let me explain to you what is S SNP 500. Basically, it's a top 500 companies. Okay, based on market capitalization, that means how big they are. The top 500 biggest companies listed on the US exchange, right? So you have your Apple, you have your Nvidia right now, your Microsoft, uh you know, all these companies are inside the S&P 500. Of course, you have your McDonald, your Visa, Mastercard and all this as well. Okay, but guys, remember if you keep on investing in the top leaders in this case is a top 500 companies, okay, in the US, you can see that your portfolio will grow over time.

[00:06:45]How much is your growth rate in general?

[00:06:47]Your growth rate, your annualized return will be around 10.83%.

[00:06:54]Almost 11% per year for the last how many years guys? This one is since 1970s all the way until now. That's almost like 50 plus years of data, right? So if you keep on compounding your return at about 11% per year for the last 50 years, it's actually very very powerful.

[00:07:15]Later we are going to look at it. But this is what we are aiming for as an investor. How many of you agree that you want consistency in your own investing journey? If that is you, can you type C in the chat? Okay, C stands for consistency.

[00:07:29]Yeah, exactly. Now, of course, then how do we invest consistently? Can you tell me? I know I'm pretty sure a lot of you guys already know this strategy. What is this existing strategy that many people also talk about it? In fact, I personally also did it in the past. But since I knew this DIS, I start to revise. Hey, how can I improve on the existing strategy better? So, how can you invest consistently? Exactly. All right. Lawrence mentioned that. Kelly also mentioned that. So previously a lot of you guys have probably have already heard of this strategy called DCA called dollar cost averaging. And what is the idea of dollar cost averaging? If you just keep on dollar cost averaging into the S&P 500 in this case whether the market goes up go down you just keep buying fixed amount every single month or depending on you every single year your portfolio is compounding at about 10 to 11% yearon year. So that is the power of DCA. Can everybody type DCA in the chat? All right. So now the good thing about DCA is actually if you set it up, you can automatically DCA every single month thereby removing your remot emotions from your investment portfolio.

[00:08:43]Right? So that you really become a smart investor rather than someone who keep on falling back to the human behavior.

[00:08:49]Right? So this actually already help us to prevent that. Okay? and help us to achieve more emotionless investing. But okay, I will also tell you the problem with DCA later on. But before that, let me just do a very quick introduction about myself in case some of you are completely new to my sharing. How many of you are new to my sharing? Can you type new? How many of you have seen me multiple time before? Can you type C?

[00:09:12]Okay, C stands for Chloe. You have seen me multiple time. You joined my a lot of workshops. Maybe some of you joined my programs, my boot camp before. Type C.

[00:09:19]Okay, some of you have. Yeah, I can see many many familiar names. Good to see every single one of you. While some of you are new to my sharing. So, welcome, welcome. Hi, Emmen. Good to see you here as well. Welcome, welcome. So, uh my name is Chloe and uh people also know me as the Ariato investor. And over the years, I'm very passionate about financial education. I'm not sure about you, I just get very excited when I talk about money, I talk about investing. So, that's what I love to talk about all the time on my social media channel. So if you have not followed me, make sure you follow me on my Tik Tok on my uh Instagram. Later on I will show you the QR code to scan because there are a lot of very insightful information over there as well. So I think I'm also very fortunate to be able to learn from really the best of the best. For example, I interview Robert Kiyosaki in person before I was featured on Lehard to share about my investing journey. I went I was even like invited to Japan to share about investing. Uh and because I love also the Japan culture, I speak Japanese as well. So I teach investing in Japanese too. So what I personally like to do is right now I just really want to make sure I get more people to be inspired in this journey to start investing properly. And trust me if you're new right the dis strategy that you are learning tonight it's a very very powerful strategy that you can immediately start because later on I will show you how you can do that hands on okay literally I will showcase to you the platform demonstration and where to click where you can set it up so you can already start the right way. Okay, that is my gift for you, okay, for tonight.

[00:10:50]So, if you're new here, uh make sure you can uh follow me on my Instagram and this is the only Instagram account that I personally manage. The rest of the Instagram, they are not mine. Okay? So, be very aware of in impersonators and scammers out there. So, you want to make sure you follow the right Chloe. This is the time for you to take out your mobile phone, uh scan the QR code, and join me.

[00:11:11]Follow me on my Instagram. All right.

[00:11:12]So, I have about I think right now it's slightly above 8,000 followers. So feel free to follow me there because there a lot of content there as well. Now very importantly tonight is I want to show you how you can utilize everything all together. But of course very importantly is it's not a financial advice. It's never about oh you should buy this, you should sell that. It's really about training you to be educated so that you make informed decisions. How many of you agree that being independent and informed in your own investing process is very important? If you agree can type I in the chat. Okay. I stands for informed and independent. All right.

[00:11:49]Thank you so much Lawrence. Yes. 8.2K.

[00:11:51]That is the right account. Thank you.

[00:11:53]All right. So that is why whatever things that I share tonight, it's I personally it think that it's good. But if you feel like at the end of the day it's not suitable for you. You don't have to do it. But I just want to share with you wholeheartedly what I personally is good for myself and for my students and you see for yourself whether does it make sense for you.

[00:12:10]Okay? If it does make sense, you can consider. Okay? If it doesn't make sense then you just take it as a form of learning. And of course uh this webinar is also part of my uh collaboration with Weeboo because I felt like in fact this is the only platform right now that is available in Singapore that allow you to do this dynamic investing strategy automatically. And that's why I highly recommend you guys to also check out Weeboo if you haven't had the account with Weeboo. Later I also share with you what some of the best account opening bonuses that they have right now uh for my community here. Now of course let's go straight back into the webinar first.

[00:12:48]Now just now we were talking about dollar cost averaging and like I mentioned the DCA strategy the concept is very simple. Every single month or if you want to every single year right you invest a fixed amount of money okay at regular intervals. So you can set these regular intervals yourself and you just invest the fixed amount regardless of the market fluctuations. So you can be buying at high, you can also be buying at the low, right? But the whole process is instead of trying to time the market, we don't try to guess the perfect time, we just buy consistently so that we build out our wealth while smoothing out the volatility, okay, over time. So if you look at in general how DCA actually work on the chart for example over here right every single month you set aside certain amount of money to buy right so you can be buying here okay you can be buying here you can be buying here depending on how the market move but just a fixed amount every single month in this case ideally I would suggest you just start with monthly basis because uh I think it's more doable rather than you do like every single year I think it's just a little bit too too long okay so you just per month can everybody type m in check cents or per month. So you do that every single month. So overall because regardless of what price you buy, eventually your average purchase price will be average out. Okay? So in the end in this case that is the orange line here. Your average purchase price become this orange line rather than the high and the low price because they all like become the average price. Right?

[00:14:23]That's how it works. So this is DCA. How many of you can understand this? If you understand, can you type BCA in the chat? Okay. I want to make sure everybody understand this before we move on to the dis because this is the basis of DIS in fact. All right, good. A lot of you can understand. So now of course if you have DCA your money throughout just into the S&P 500 in this case your average return will be around 10% year on year. All right. And this will actually make you a millionaire by end of 50 year. Actually you're already a millionaire if you invest like more than $1,000 like just $1,000 per month, right? you will be way more than million dollar. Okay. But the thing is, let me ask you, if you decide to invest $1,000 per month, can you tell me, should you really invest the same $1,000 all the time? What do you think? Should you really consider investing the $1,000 all the time?

[00:15:20]Ah, so some of you say no. Some of you say no. Why? Ideally know right. Exactly.

[00:15:29]Why? Because there are certain times that the market is actually more favorable to us. For example, imagine if you're able to buy more when it's cheap.

[00:15:40]Like for example, this year March when the market dipped, right? Imagine if you're able to buy more here and buy less here. You still invest but you buy less. Overall, your average price because you buy here more, your average price will be lower. Okay? probably become like here this area. If you do normal DCA maybe the DCA your average price is here but because right now you buy more when it's shaped your normal DCA okay the price that you purchase will become even lower. So the good thing about this is when the market recover your overall ENL your profit and returns will be higher. How many of you understand where I'm coming from? Okay this is where timing the market comes in a little bit. If you can see that, can you type T? Okay, T says or time. Okay, good. So now, of course, if you monitor the chart the whole day, well, technically you can time it yourself.

[00:16:38]Okay, but who has the time, right?

[00:16:41]Nobody has the time to look at the chart every day unless you are like a like a short-term trader, right? I personally don't look at the chart all day as well.

[00:16:48]I only look at it like once a week, that kind of thing to see how is the market moving this month uh this week. So daily basis it's also too much for me. So what I discovered is hey using this dynamic investing strategy you don't even need to look at the chart all day you can more effectively time the market. Now how does that work? If you are able to effectively high the market actually there's this thing called the speed of doubling. Okay. Now how does that work?

[00:17:17]You can see this is the S&P 500 market doubles. So that means during this period of time if you buy actually from here to here you have effectively doubled your portfolio from here to here you have also effectively doubled your portfolio. So imagine right now if you are able to buy more when the market is low can you see the speed of you doubling your portfolio is a lot shorter because if normal time you keep on buying a lot here but if you buy like very little here then your speed of doubling will become longer right. So what we want is we want to faster the states like reduce the speed of doubling so that we can grow our portfolio uh faster. Okay. How many of you would love to double your portfolio faster? If that is you can type D. Okay. D of doubling.

[00:18:00]All right. So now can this used for options? Okay. Okay. Good. Some of you are asking some additional questions.

[00:18:07]Later on when we have time we'll do Q&A but let's go through this strategy first. Okay. But the whole idea of this is how can we effectively time the market to help us to double our portfolio faster is actually using this strategy called dynamic investing. So what is dynamic investing? It's actually a combination of dollar cost averaging but add in the layer of technical analysis inside. So for those who are new what is technical analysis?

[00:18:39]Basically, it's looking at a chart like this and then you buy more when it's lower when the indicator tells you it's a better time to buy more. All right.

[00:18:50]So, what we want to do is right now we want to combine the normal dollar cost averaging with TA together. So, when these two combine it become dynamic investing. Okay. So, now how what kind of indicator is dynamic investing strategy using? is basically using moving averages. Can everybody type MA in the chat? Okay, this is one of the technical analysis indicator that you can consider learning out there. For me, I love using moving averages in my own like plotting of my chart including using my options, my my option trades as well. I always look at MA. So, I felt that it's such a ingenious move for weeboo to combine uh RSP which is the dollar cost averaging regular saving plan that mean every single month you just buy a fixed amount. Now they even automatically help you to combine with moving averages. So now the whole idea of when this combination happen is when the market trending lower you buy more right you buy more when it's low then you increase your doubling rate faster right but when the market is trending higher when the market is keep on very high like just keep on going up and up right you reduce your investment amount thereby reducing your risk because you want to buy lesser when it's high but buy more when it's cheap. How many of you understand this concept? If you understand, can you type you in the chat? Okay, you stands for understand.

[00:20:20]All right. What is the whole like uh uh philosophy behind DIS is basically buy more when it's cheap, buy less when it's high. Okay, but you're still buying, you're still investing consistently. But right now, we time the market more effectively with moving averages. So now, how does it actually work? Now firstly let me explain to you what is moving average first in case some of you are completely new. Now this indicator is something that is widely used by traders by professional fund managers out there. All right. So the good thing about this indicator is it help you to smooth out the stock price because later on I will show you the next chart. If you don't use moving averages right you will realize that wow the the stock price can move every day. You kind of feel like you don't know where is it moving. But when you actually have the moving averages plotted out on the chart, it become much clearer. All right. So why is it called moving is because basically it's using the historical data of the let's say this S&P 500 that you're tracking right. So when the oldest price when the new day comes out then the previous S&P 500 uh old price dropped out. Right? So once it's drop out from the calculation the new price is being added then you technically using the moving averages to see how every single day as the market move how is the overall trend the overall direction of this asset class in this case is the S&P 500. So let me show you a chart I think it will be much easier for you to understand. So over here right this is the green line is the price. Okay. So let's say this is the S&P 500. That's how the stock price can move very deep, go down very fast and then ch go up then up down up down. So it's very volatile and that is why for investors okay we want to smooth out the process so that we can see the overall direction where is the market moving right so as you can see there are three lines in total here the green line is the market price which is a stock price now we look at the 50 EMA that is the black line followed by another one called the 200 uh simple moving average SMA okay that is the uh green line uh the the blue line. So 200 here, 50 here and then obviously the last one is the stock price. Okay. So now why is it that the 50 EMA it's more closer it's closer to the stock price is basically you are tracking in this case the last 50 day right the last 50 day of how the the stock is moving. That's why the data are more recent because it's more recent it trends closely with the stock price. On the other hand, if it's 200 MA, that means they're using 200 days of data. So imagine you need to move 200 people at one time. Obviously, guys, can you tell me if you need to move 200 people at the same time? Is it going to be very fast or is it going to be slow? Fast or slow?

[00:23:25]Fast or slow?

[00:23:28]Yes, exactly. So that is why can you see these 200 MA is moving very slowly. It's as if it barely move. Can you see it just like staying flat quite uh most of the time right? Most of the time it's staying flat but the 50 MA is moving quite closely with the stock price but still more smooth out as compared to how volatile the market moves. All right. So now the key is right what is the MA that you need to use? Well this one actually you don't even need to choose later on I will show you the the three lines or three MA that you are able to choose from from Weeboo itself because everything is automatic. So now let's compare once again the traditional dollar cost averaging which is uh in this case let's say January you buy $1,000 February you buy another th00and March you still buy another thousand so in total you invest $3,000 that is the traditional dollar cost averaging which everyone already understand but what is dis which is dynamic investing is combine the technical indicator right so right now the power of dis is they will invest means when the market is high. So in this case, January, they invest, let's say, $500. And then February is still high, they still just invest $500. But in March, when the market thieves, this is where they invest more. In this case, they invest $2,000.

[00:25:03]So in total, you still invest about $3,000. But guys, can you tell me which one will make you more profit? It's the traditional dollar cost averaging or the dynamic investing. It's the T or D. T or D.

[00:25:19]Exactly. It is your DIS. Okay. Let me just make sure. Got it. Okay. Good.

[00:25:25]Everybody understand? Right. So that is the power of when you time the market better with PA indicator like moving averages you are effectively increasing your return while at the same time if you think about it lower your risk because you are buying when the market is cheap you're buying more when it's cheap and buying less when it's high.

[00:25:47]Okay. So you increase your margin of safety as well. Right. So now then what is the percentage that you will be investing your money depending on how the market move. So this one is actually weeboo's standard multipliers. Okay. So how does multipliers? Okay. How does this this work? Okay. So for example right remember when the market is low we invest more using this dis strategy right so let's say this one is the moving averages okay MA and if this one is just right on the MA line right then you will invest 100%.

[00:26:30]because it just touches the MA. It's not very cheap yet, but still not too bad.

[00:26:36]That's why you will invest 100% of the uh amount that you intend to invest. It can be $1,000, it can be $500. It depends on you. You can set it up yourself. All right? Later on, I'll show you how you can do that. Okay? But that's 100%. But when it start to drop, let's say it drop 1 to 3%. Can you see right now the EIS framework will automatically help you to invest slightly more at 120%. when the market drop more 3 to 6% you will invest even more and subsequently can you see when it drops further and further in this case when the market is having a 15% pullback okay that means a drop from the MA that you set you will actually invest 200% of that during that month rather than the usual 100% dollar cost averaging all right so this is how when it's lower you buy more on the other And when it's higher, can you see? When the benchmark of the previous close are higher than the moving averages, if it's still the same, then invest 100%. But when it's 1 to 3% more, reduce investment amount of bit. When it's higher, reduce even more. When it's higher and higher, guys, okay, imagine right now the market is super floated, right? It's like way above the moving averages. They want to invest less because um when you buy more when it's high, right? Your risk also become higher. And that's why they only invest 50% of your normal dollar cost averaging during that month. Guys, how many of you think that this is pretty smart? Okay, if you think this is smart, like can you type S in the chat? Okay, essence or smart.

[00:28:15]Exactly. I personally think that it's so smart. And the best part is you don't need to do all this manual calculation.

[00:28:22]Weeboo does everything automatically for you. Okay, that's what I like the best.

[00:28:27]today because we just want to be hasslefree. But of course, before I show you how to do the setup and all this, right? We want to see, hey, actually, does it really work or not, right? It has to be proven to work, right? If it doesn't work, then no point setting up in the first place, right? So, let's take a look at whether does this dynamic investing strategy really work as compared to the fixed ISP. So, what is fixed ISP is DCA, right? The normal dollar cost Raging, right? So dynamic means it's adjusting dynamically every single time depending on the duration of your investment and then it will be value based because it will buy more when it's cheap and buy less when it's expensive. That's why it's called value based. So that's where the market response comes in and for investors effort is very low because it's fully automated. The same thing for ISP uh which is a fixed uh ISP which is DCA right it's still low in terms of effort but right now you don't time the market so you basically just invest a fixed amount every single month or every single year depends on you right so let's compare the difference between these two and using 25 years of back testing data of the S&P 500 so basically I did out an uh Excel where every single day the data is being extracted from the S&P 500 right from 2000 as you can see guys okay since 2000 that day during that day the close price is 145 then the next day is 139 then over year over the years you can see basically S&P 500 increases in prices right so uh all the way until 2026 okay so basically 25 years of data then after that I did my back test okay I spent so much time guys to do my back test and I was shocked to find this result. Okay guys, do you know what is the result or not? Okay, how so in the first place? Okay, how did I do my back test? Guys, can you make a guess? How did I can how did I do the back test?

[00:30:27]Yes, it's only on Weeboo. Okay, for now it's only on Weeboo. So later on, if you don't have Weeboo yet, I highly recommend you to consider opening up a Weeboo account because I think it will really make your investing effort so much easier. Okay. Uh is it free? Uh yes, Weeboo is free to open account but you just need to find your money inside and then start investing. Okay guys, so how do I do my back test? Okay, so now firstly remember Weeboo has the 3 MA right the 3 MA that they are using is 120day MA, 250 MA and 300 day MA. So guys, without me revealing to you the answer yet, can you tell me, make a guess, which one do you think will give you the highest return? Okay, the first one is regular dollar cost averaging.

[00:31:15]Can you tell me? A, B, C, D. Which one do you think will give you the highest return?

[00:31:22]Okay, so some of you guess D, some of you get B.

[00:31:27]D 120 day. Oh wow, a lot of you guess 120 day. Okay, some of you guess D. Okay, so now let's take a look. So this is based on back testing result. Okay, not based on Chloe's answer. Okay, so how do I find out? Okay, actually I asked my AI because now AI, we must work smart, right? So I basically feed my Excel spreadsheet into my uh my AI and say, "Hey, Aligado AI, can you tell me based on your 25 years of track record, right?

[00:31:57]use this data and tell me based on this 3 MA versus dollar cost averaging which is the regular one which one give me the highest return. Okay, so that's how my AI did the work for me. Okay, so after I uploaded okay this is the back test assumption first. So firstly based on this based on my SQI daily price for 25 years okay and then on top of that okay the frequency is first trading day of every month. So what they assume is every month on the first day you buy.

[00:32:28]Okay. And now after that uh they try to equal capital invested across all strategy. Okay. Because that is only fair. If if you invest more for uh some strategy but invest less for the other then the less one will be not as fair.

[00:32:43]So they try to be as equal as possible.

[00:32:46]Okay not 100% equal but try to be as equal. And then of course it must be fractional share allowed because as S&P 500 grow then uh you need to make sure you have the capital to buy not just I mean like you sometimes you don't buy one you can buy 0.1 also okay that's that's what fractional share about then of course no dividend fees or taxes or on a borest currency exchange is considered so basically just keep the uh the the result as clean as possible then most importantly is using weeboo's ISB table which is the one that I show you just now. Okay, so in case you're wondering which is a table, this is a table that I also uploaded to my AI and then tell them that please do this calculation based on the percentage that we will set. Okay, so now the answer.

[00:33:31]Okay, now let's take a look every single thing together. The first one if you buy based on ISP. Okay, so this is like I mentioned we try to let it as be as equal as possible. So the baseline is $1,000. All right. But then for 120 they buy slightly more because there's no 100% that they can fix uh like like fixate to 1,000. But you can see they are quite close. Okay. How many of you see that the prices that they purchase in general is quite close? If you can see that can you type C in the chat?

[00:34:03]Okay. CS or close they quite close. Now after that what happen is since it's quite close price right? So every single month you purchase okay about $1,000. So if you buy the normal RSP, you will have purchased on an average price of 170 bucks. But on the other hand, if you buy based on DIS, you will be buying about $162 for 120 MA, $156 for 250 MA, and $54, $154 for 300 MA. So right now the 300 MA give you the lowest average purchase price. Okay? Because why? When it's 300, it's already like uh pretty low, right? You have to stay below 300. Uh so that's how they have to be buying it even cheaper, right? So that's how it works. Now after that, subsequently, how many shares did you manage to accumulate?

[00:35:05]If you do the average ISP well you will accumulate about,781 share in total of the 25 years because every single month the assumption is $1,000 per month right then but on the other hand because you're able to buy something cheaper when it's low can you see when you buy below the 300 MA you will accumulate more shares so it's almost the same amount of money but you get almost 200 more shares of S&P 500, right? So, you buy buy low when it's cheap, then that's how you collect more in return. Okay? Now, guys, can you make a guess what is the portfolio value after 25 day and after 25 years? Can you make a guess? Okay. Can you give a rough estimation? If you think it's every month you invest $1,000 per month for 25 years, after 25 years roughly, okay, just normal DCA, normal DCA, roughly, how much would you have? Okay, some of you guessed 500k, some of you guessed 2.2 million, 1 million, 3 million. Okay, so now uh wow the answers are very far apart. So, so let's do a very basic calculation first so that you understand where it coming from. Okay, so if you let's say if you go to my website later on, right, basically arriatoinvestor.com.

[00:36:26]Okay, let me show you. There's this financial freedom calculator that I built out and you guys are free to test it out. Okay. So if you go to aradinvestor.com and then after that you go to my free tools, right? So you go to free tools and under the free tools you will have this um thing aligato financial freedom calculator. So you click on this once you click on it right basically you will be brought to this page. All right. So what we want to do is based on assumption right now we start our investing with $1,000 and then every single month can you see monthly monthly you contribute another $1,000 right and then after that okay remember you need to change the duration now it's 25 years because of 25 years of back test right so your expected S&P 500 return okay guys this one just 10%. Because remember historically for the last 50 years is about 10 11%. So we just take the conservative one we take 10%. And after that you click on the calculate button right you click on the calculate button.

[00:37:29]Can you see the chart below start to change? You just move down. Okay. I I want you to ignore this chart because right now this one is comparing uh the S&P 500 with options. Options will if you know how to do it right it will give you higher return. But today we are not talking about options. Okay. So we scroll down. Okay. So over here if you see on the S&P 500 investment breakdown guys this is just on assumption about just regular dollar cost averaging because every single month the same amount every single month right so you will in total contributed about $300,000. Can you see? Okay. So your yellow color is your total contribution $300,000. Your $1,000 is your initial capital and then subsequently in total you contribute 300k. Out of this 300K, how much do you make? Is the blue line.

[00:38:15]Can you see the total interest earned?

[00:38:17]You are making about $889,000.

[00:38:21]So in total, when you add up your capital with the interest that you earn, your portfolio right now stands at $1.3 million about there. All right. So if you guess 1 million, you are right. All right, guys. How many of you can see that actually investing doesn't have to be difficult? you just $1,000 per month.

[00:38:43]Okay, by by the way, this is based on historical track record. Okay, so historically, this has been proven to work for the last 50 years. You buy every single month $1,000 on S&P 500, 25 years later, you already become a millionaire. Okay. How many of you think that this is a very simple strategy? If you think so, can you type S in the chat? Okay. Sense or simple.

[00:39:04]Yes. Okay. Very simple, right? So guys uh if today after that you don't know what to do uh you know what to do right okay this is something that simple that you can in fact automate it every single month and later on I will show you how you can automate it with weeboo as well if you want to right so that's how it works but now of course let's go back to the dis framework okay because using dis technically you are buying it when it's cheaper and buy less when it's higher right so will that in affect overall. Okay, let's take a look. So, let's go back to my slides over here and this is the one. All right, so over here, right, guys, let's take a look, guys.

[00:39:48]Okay, guys, can you see the number is very close to what I showed you just now. Okay, this one is the regular dollar cost averaging RSVP, which give you 1.3 million. But if you do the TIS strategy, if you do below 120, you'll get 1.4 250 1.46 and 300 close to 1.5. So guys, can you tell me which one is the correct answer?

[00:40:19]Is it 120, 250 or 300?

[00:40:24]Exactly. Okay, very good. So everybody right now you can come up with an informed decisions because this is ran by data. Okay. So every single thing that we do as investor in order to remove emotions remove guessing we use data to back up whatever things that we need to test right so that it really give you a clarity what you do that's what I like to do in my class in my boot camp as well right so over here right so that's how it works so now in total if you do the ISP versus the rest of the dis can you see your return will actually be higher and the lower that you go that means the the more smooth the the the the the line right the bigger is the line that means in this case it's 300 right 300 the higher is the return okay you will get over 10% so initially imagine this is 100% imagine for example okay then this one will be 110% that's how it work right because your 300DIS framework improve your return by buying it more when it's cheap and thereby reducing your risk but at the same time increasing your return. Okay. So now if you want me to explain very clearly why why is it so later on I will show you why 300 particularly give you the best advantage is because of this. Now of course because every single month right now your monthly investment range right will be quite different because when it's regular just fixed amount but if you use this DIS framework can you see your your your your when it's lower the lowest month that uh the ISP actually work over here for 300 it's almost half price guys can you see if you're able to buy things when it's almost half price and you buy more when it's cheap you are able to improve your return and then On top of that, when it's um can you see the highest okay sorry this is the high lowest month lowest months means that when it's high they buy less that means they only buy 50%. Okay 50%. But when the the the market is dropping and it's a great time to buy more they literally buy more. Can you see they literally buy almost two times. Okay so that's how using the dis you are timing the entry better automatically. Okay. because everything can be set up automatic. All right. So now let's take a look. H So why does the 300 MA give you even higher return? Okay. So why wouldn't the Okay, so the thing is if is remember when the market drops right um you can set it as low as possible but if you set so low right what is the likelihood that the market doesn't come down also become higher. Can you see that? Right. So if you you set your margin of safety so so so so low and the market never come down right you will never be able to buy. You get what I mean? You will never be buy buy more when it's So the whole idea is you need to balance. Can everybody type B sense of balance. So let's balance a little bit. So now over here. So why does the 300 MA give you the highest return is because as you can see imagine today this blue line is not 200 it's 300. Imagine this is 300.

[00:43:40]Can you see even during the market crash the 300 line right barely moved right it's still staying very much on top so during a crash the crash usually will take some time to recover so during this period of time whenever it's below the 300 MA the weeboo account will automatically help you to buy more so remember when it's 1 2 3% it buy slightly more, 20% more. When it drop more, it buy 50% more. When it drops even more, 70% more. And in total, if you drop more than 15%, right, as long as the market has more than 15% correction, okay, that's when it will buy 2x of your initial amount. So instead of $1,000 right now, you'll be buying $2,000. And this period can last for a longer period of time depending on how long the market takes to recover. So you keep buying 2,000 2,000 2,000 2,000 for a longer period of time and that's how overall uh your investment return will improve because you buy more when it's cheap when it's way below the the the I think the most stable line. In this case the 300 is the most stable line. How many of you understand where I'm coming from? If you understand can you type me in the chat?

[00:45:04]Good. Okay, I can see you guys are following. Fantastic. Okay. So now that is why okay if you buy when it's below 300 so technically you will improve your return. Uh so just as an example okay that means instead of just buying the normal 100% 100% all the time which is the regular ISB you could buy 200% during this month another 200% during this month and then maybe 180 if it recovers a little bit but then if it drop more it will buy another 200%. So that's why for several conservative month it forces you to buy more automatically when it's cheap which is good because I think that it help you to remove your emotion because I think a lot of times when it comes to investing many people will think that oh my god the market is dropping maybe I just wait a little bit I think the market might drop more right so I wait then end up the market rebound you never buy right how many of you experienced this before you experienced that before type e in the chat right so the whole idea of this I think this framework is so good that can literally automatically help you buy without you trying to be emotional again. Right? So that and on top of that is smarter as compared to just the normal dollar cost averaging because it help you to buy more when it's shipped.

[00:46:18]Right? So that's why the ranking comes to this. Okay, I want to ask how many of you are surprised by by this result. If you're surprised, can you type surprise?

[00:46:29]How many of you are surprised?

[00:46:32]Yes, it's actually based on the daily chart. Okay. Okay. How many of you are surprised by this result? If you're surprised, type surprise, huh? No one's surprised. It's so different from the answer that you show. Yes. Okay. Thank you so much, Robert. Okay. KW. Oh, maybe because surprise take longer time to type. So that's why you guys took longer. Thank you. Okay. Can Okay. Can you show the rule again? Sure. I will show the rule. Uh let me see the rule.

[00:46:57]Let me just screen show back here. Okay.

[00:46:59]So basically this is a rule. Okay. And in fact, you can also find this from Weeboo uh itself. Okay, but if you want to, you can take a screenshot right now.

[00:47:08]This is basically their rule of buying more when it's shipped and buying less when it's expensive. Okay, but of course at the end of the day, demonstration is the most important. How many of you want me to demo live? You want to demo? Can you type demo in the chat? How many of you demo? Demonstration.

[00:47:26]Wow. Awesome. Okay, I can see a lot of people want me to demo. So now let's going to uh go straight into Weeboo demo. But of course before that if you don't have a Weeboo yet then this could be a very good time for you to uh consider setting up an account with them because like I said right now this is the only platform that uh allow dynamic investing automatically which I felt it just really makes it so much easier for investors and help you to buy more when it's ship uh lower your risk increase your return. So, if you haven't signed up yet, uh consider using this is my own uh referral link. Okay, when you sign up, you will also have some very good perks that I'm going to show you, okay?

[00:48:08]Including earning uh free Nvidia shares.

[00:48:11]Okay, we all know how powerful Nvidia as a company. Uh but sometimes you you you may think that oh Nvidia is so expensive right now, I don't want to buy. Ah, what if today they give you free shares?

[00:48:22]Okay, you don't even need to buy. They give you free shares as long as you open an account with them. So of course let me show you how do you earn free shares.

[00:48:30]Now firstly why I personally think that we is a very good platform to use is because if you like me love to actually buy US stocks and ETF is literally zero commission. Okay. If you compare to other brokerage platform uh for example uh let's say you everybody can tell right what are the other brokerage platform available they all charge you a platform fees. Okay. So regardless of whether they they can say that it's zero commission, but they do charge you a platform fee every time you buy. But for Weeboo, they literally remove platform fee and it's zero commission. All right?

[00:49:05]So that's why if you buy US ETF like I do, I personally love investing in US ETF. S&P 500 just one of the ETF.

[00:49:13]There's so many other great and high growth ETF that me and my students are buying. And um basically when we use this platform, it's basically $0. they just buy as many uh it's just zero fees right so which is to me it's a good cost saving in the long run and on top of that if you love to do options I love to do options as well I love to use options to collect income uh weeboo actually offer one of the lowest in terms of commission it's only 55 cents per contract but if you compare to other platforms usually it's 65 cents and on top of that they will still charge you a platform fees so uh if you use other platforms actually options are more expensive but if you use weeboo actually the fee are very very low. So that is another advantage of uh using Weeboo to start your investing journey. And on top of that, right now they are also giving you free and media shares. Like I said, if you deposit, for example, $3,000, all you need to do, right, is maintain for 30 days. Okay? You don't even need to buy anything if you don't want to. Okay?

[00:50:10]But obviously, after going through this workshop, I hope that at least you will start your dynamic investing, right? So you just use your $3,000 to invest. You will make more than this. Okay, now firstly uh they will give you free Nvidia shares. Okay, they will give you $50 worth of Nvidia shares and then on top of that they will also give you a stock stock voucher. So how does stock vouchure work? Right, it's basically when you buy a stock they will wave off 18 they will give you back 18 bucks. So technically your your stock is $18 cheaper because of this. But obviously if you fund more let's say you fun $10,000 you get more free Nvidia $250 on top of that more free voucher. So you fun 30k uh then that's how you get more right. So depends on you if you want to fund like a six figure portfolio you will get $1,200 of Nvidia shares which is very generous. Okay, if you compare to other platforms, uh this is actually more generous as compared to other platforms. And on top of that, you still get your free stock voucher to wave off your stock uh purchase and can be applicable to ETF as well as long as it's a ETF and stocks. And then in total, actually, you get $1,888 worth of uh welcome rewards. So, um if you haven't cons uh signing up yet, okay, consider using this code. This will be the link for you to sign up. But in the meantime, let me just um make sure I share screen on my phone. Uh before that, I'm just going to demonstrate. Right. So now I'm going to do live demo. Um then I'm just going to put up this link inside the chat as well. Okay. So if you're wondering where is the link, uh can show the demo slides again. Okay, sure. I can show the demo slides. Uh this one, this one, right?

[00:51:52]This is the demo slides that you want to see, right? Okay. So this is the demo slides. Uh but the most important thing is me demoing right. So as long as you get the link and then you want to sign up it's up to you okay you will get all the free bonuses as long as you you fulfill all these criteria over here.

[00:52:07]But now let me just demonstrate on weeboo. All right. Do you know in Europe what is the platform that allow this? Um um I'm unfortunately because I'm I don't live in Europe so I don't really know.

[00:52:19]Yeah but let me go straight into the demonstration. Okay. Now let me just uh share screen from my mobile phone. Huh?

[00:52:26]Yeah. Wow. Okay guys, how many of you found whatever things that you learned tonight has been useful? If you type useful, if you think it's useful, can you type useful in the chat? I want to see how many of you think that it's useful so far. Awesome. Thank you so much, Lauren. Thank you so much, James.

[00:52:39]Fantastic. Okay, now it's going to be even more useful because it's hands on, huh? Very hands-on. Okay, now let's start. So, I'm going to use my mobile phone because now everything I do is on mobile. Okay, guys. You they you don't need to use desktop anymore. Okay, you go travel, right? Just bring your mobile. You can also invest. That's the best thing. Okay, so this is my Weeboo platform. Um, so basically you can see that actually I do have quite a lot of money inside. I have about $600,000. I would say that it's a very credible platform that I have no problem putting quite a bit of amount of my asset inside. Of course, I do have other brokerage account. I just like to take advantage of every brokerage account to get free shares everywhere, right?

[00:53:21]That's what I like to do. It's completely up to you if you want to concentrate in one platform. It's up to you. But Weeboo right now for now is the only platform that allows DIS strategy.

[00:53:30]So I highly recommend you to consider that. So now very importantly uh the first thing that you need to do is uh after you Okay. So over here, right?

[00:53:37]Where's my banner? Where's my banner?

[00:53:41]Is it under menu? Okay. So uh over here, let me just click more.

[00:53:49]Oh, hold on. actually very simple. Uh there is this thing called okay guys can you see can you see under the menu tag right on the right hand corner can you see there's a menu if you can see menu can type menu in the chat okay so what you need to do is click on the menu after you click on the menu can you see there are different functions okay uh tonight I'm just going to go through uh the BIS function so can you see there's a more button you click on the dot dot dot and click Click more. Right? So after you click more, you literally see every single thing that uh we will provide as a great feature for you to use. Uh and tonight what we are actually looking at is called RSP. Can everybody type RSP in the chat? RSP. Okay, RSP stands for regular saving plan. So why is it called regular saving plan?

[00:54:44]Technically, regularly you are investing, saving part of your money to invest, right? So that's why it's regular saving plan. And this amount you can set whichever amount that you prefer. All right. So now after that right you can see that uh under this page there are so many different things that you can do RSP on. But for tonight's demonstration purposes I just want to use the S&P 500 index fund that has been proven okay over last 50 years and that is one of the best ETF one of the best one to get started especially if you're a complete beginner. So what you can do is you can see on the right hand corner there's a magnifying glass.

[00:55:20]You just search, okay, you click on the magnifying glass, then you search. Okay, there are multiple ETF that tracks the S&P 500. Um, one of the better one in the long run is V. Can everybody type VO in the chat? Okay, one of the better one in the long run because the fees are lower. Um, and then it's basically by Vanguard and it's a very very credible uh uh uh fund that you can keep on buying. Okay, exchange ETFs or exchange traded fund. So uh you can't buy the S&P 500 index directly but you can buy an exchange trader fund that tracks the S&P 500. So V is by Vanguard and basically it tracks the S&P. So then after that you click on this right. So now what you can do is can you see depending on whether you want to use your SGD to buy every single month it can deduct from your bank. So for me I already link my UB to uh weeu. So if I want to every single month I can start with $100. It's up to you. You can even do $10. It's But of course, ideally, don't invest too little. If you invest too little, right, it's not going to be life-changing. I would say invest an amount that you are comfortable with and just let it compound. So, uh, for example, demonstration using 100 bucks. Okay.

[00:56:37]Then, now this is the one that one that we need to set. Can you see right now it's actually pointing at fixed amount.

[00:56:44]So, this is the regular dollar cost averaging. But today we learn dynamic.

[00:56:50]So can everybody type dynamic in the chat. Okay. So this is what dynamic investing is about and it's automatic. Okay. So what is a dynamic amount? You still set the same amount 100 bucks. It's up to you. It can be 500 can be th00and it's up to you.

[00:57:07]Now the frequency you can be every week, every two weeks or every month. So for me I will always encourage my students to do every month because I felt that it's more um meaningful in terms of capturing the movement of the market. Uh so I would still recommend you considering every month there. So the date um this one depending on what do you think is a good time to to start. So it can be today which is 22nd. Okay that means today it will be filled right. If not you can always choose your lucky number. Let's say seven. Okay, you like lucky seven.

[00:57:44]So every seven of the month the platform will automatically invest 100 bucks. Now of course remember because this is dynamic.

[00:57:53]Sometimes it can be less but sometimes it can be more. So as long as your bank account have the money to invest maximum basically in this case is two times. So maximum will be $200 per month. So as long as you make sure your bank has money that's good enough, right? So now after that okay remember the moving averages. This is where you can select 120 days, 250 days or 300 day. So I would say there's always remember guys.

[00:58:23]Okay, which one will give you the highest return? 300 or 120 or 250.

[00:58:31]Ah Tammy, you can you can stop your current ISP and change to dynamic. Yeah.

[00:58:37]Okay, you can do that. you can pause that and then start a new one under dynamic. Right? So remember the highest return will be 300. But of course there's always two sides of the coin.

[00:58:47]Okay. What are the disadvantages of uh 300 is if the market continue to trend very high and it has been happening basically for the last I don't know like one year plus the market just keep on going up more and more right it doesn't even come down below 300. So then the problem with that will be you will probably invest a lot lesser as compared to your normal RSP right so there's always both sides of the coin but over a long period of time based on 25 years of historical track record 300 is still giving you better return as compared to normal one so if you want to based on the historical record you can choose 300 but if you felt hey Chloe I think it's a little bit like I don't know the market just keep on going up I want to be more balanced well you can choose 250 50 right so I think that's how you can go but the one that you can go for the least is 120 so whichever that you prefer you can go for that for me I would think I will either choose 250 or 300 based on the historical track record and then after that it's done right so after you just click next they will tell you oh are you sure this is the amount okay guys can you see they will even tell you the variance range is from 50 bucks to $200 all right so everything is very clear so as long as you're okay you just click on confirm. Okay, is everybody clear on this? If this is clear, can you type C in the chat?

[01:00:13]Oh, why not set two dynamic? It's up to you. You can choose to do that. All right. Uh but then remember, you just need to make sure you double your budget. Okay? It's either you double your budget or you need to split your budget accordingly, right? And the good thing is regardless how many times you split, right? Weeboo still charge you zero. Okay? Because it's zero commission, zero platform fee. So you can go and test out, okay? let me know in the end doesn't give you even better return because when you split right it's up to you. Now another thing is if you don't want to deduct directly from your bank okay you can do your buying power basically it's the amount that you have inside your account okay so for me I actually prefer this uh strategy but basically I prefer having my money inside weeboo first and then after that I deduct money from my weeboo rather than from my bank and the reason why I like to do that is because um if you put in the bank basically it earns you almost nothing okay your your interest is so so so so low. If you never satisfy certain tiers and criteria, basically your your money is earning you nothing.

[01:01:15]But I know as long as I put my fund in weeboo under money market funds, uh my cash is even giving me better return than the bank. So I usually like to put my money inside brokerage account and then opt in for those money market funds and have my idle cash that means cash I'm not investing right away earn better returns than just keeping in the bank.

[01:01:37]How many of you understand a money market fund? If you understand, can you type MMF? If you new to my MMF, can you type new?

[01:01:44]Okay, so a lot of you learn from me already, right? Because a lot of you attended my boot camp, you know, money market funds and all this. Okay, so if you're new, let me just give you one more tip. Okay, one more tip for this is something that not supposed to be covering tonight, but I want to give you extra tip so that your money can work harder for you. All right. So now uh for me I usually like to put firstly you transfer into SGD then from HGD I will convert into US dollar and the reason why is because I buy everything in USD right ETFs options everything is US it totally makes sense for me to convert into USD after all right so after I do the conversion inside the platform I don't do it via banks because I also think that the bank rates are not as good I might as well do everything on let's say a brokerage platform like we do so I convert inside okay so after I convert Right? Can you see there's this thing? Okay, in weebo it's called money boo. Okay, there's this thing called money boo. And then after that, can you see my money boo is so far? Okay, since I started putting some of my idle cash over here, right now I don't have much cash for weeboo is 100% invested. You can see my total P&L, guys, is $1,000.

[01:02:51]So where is this P&L come from? My profits come from me hing my money that I don't need to use immediately to invest to earn extra interest and USD interest has been relatively higher as compared to SGD. You can see that the 7-day yield is about 3.58%.

[01:03:08]Now it doesn't mean that you will make seven uh 3.5% in 7 day. It's like a 7-day yield because it fluctuates all the time but roughly per year based on the current rate you are making 3.58% per year. Guys, can you tell me is this higher than your banks? Yes or no? Is this higher than your bank?

[01:03:30]Yes, that's why I prefer doing this way.

[01:03:33]So, uh then you can see it also give you daily interest. So, you can see previously when I have uh slightly more money. Sometimes I make like 14 cents, 15 cents, 44 cents. U of course when you have more money, you will make more more than me. Okay? But the whole idea is since I just put my money there, I don't need to do anything. my money market funds is uh giving me about $1,000 so far. Okay. And I think it's pretty good, right? So this make sure you activate this. If you don't activate this, your money is not working hard for you at all inside uh the brokerage platform. Okay?

[01:04:08]So if you want to pause, you can pause anytime. You can deactivate anytime. Uh but for me, I would just leave it activated all the time. All right? So that's what I like to do. So basically after I transfer my money inside, I convert. Okay? So this is how you can do currency conversion. Now where is my currency conversioning ding ding?

[01:04:28]Where is my currency conversion?

[01:04:31]Yeah, I suddenly cannot ah you see okay under under transfer under transfer.

[01:04:38]Yeah. Okay. So guys, can you see under the trading there's a transfer button with the dollar sign, right? You click on the transfer button. This is where you can find your deposit. You can also see how you can withdraw. You can also set up recurring deposit. But then you can see currency transfer. So you can transfer from your US SGD to USD and you want to withdraw, you can transfer out from uh USD back to SGD and then go back to your bank account. So I actually convert everything within the app and I do that for every single brokerage platform that I use. Okay? I don't use the bank conversion rate because it just sucks. Okay? So that's all I have to share and that is the uh dis uh demonstration. I hope everyone is clear on this. Okay, if you are clear, can you once again type C in the chat?

[01:05:25]Okay, good. Very good. Uh why? Okay. Oh, very good. Some of you are asking, do you need to manually redeem? No, you don't have to. Everything is automatic.

[01:05:37]And the beautiful thing about like this function of money market funds B8 Z on what money boo and all this is automatic. So let's say you decide to buy uh $500 today and the $500 right now is some inside money market fund right they will help you to redeem automatically to buy the next day. So during this one day transaction period there won't be any transaction fees, no interest charges. Basically it's just free. Okay, you just see as free because it's your money after all, right? So everything is seamless. You just need to wait for the next day and then you will see that your funds are being redeemed to purchase whatever things that you just purchased the last night. All right. Uh you can buy stocks, you can invest, no problem. You can invest anytime. Okay. You can always use the funds to invest. just that once you start investing that amount then the amount will be redeemed automatically from money market funds then your money market funds the amount won't be earning you the money market funds interest which is fact right because you use it to invest and everything is automatic just like your dis framework okay so all right uh okay so the the the the uh uh can you help me explain the rules again okay so guys okay so this is a live demonstration once again Okay, let me just I I think I have another five more minutes for Q&A. Just want to make sure everybody is clear. So, uh I will go through some of the questions. You have some questions right now, feel free to ask me. And once again, if you're new to Weeboo, make sure you sign up right now because I personally think that it's a very very useful function. And remember, if you have actually learned from my 3-day ETF boot camp, options to freedom boot camp, you'll know that there's so many other great ETF out there, right?

[01:07:23]And you don't have to limit yourself to just S&P 500. You can do many other ETF.

[01:07:28]Whatever things that we go through, you can do that with your DIS framework. And in fact, I'm considering doing that as well. But just that a lot of my money is also in other brokerage platform. So I need to think ah then what should I do with it? Maybe my new fresh of fund I will set aside in we not so that I can start this DIS. Uh but of course if you also learn from me already you know we also teach technical analysis. So on top of the DIS framework, you can also use the TA that I taught you before to buy more when it's cheap, which is what I've been telling you guys to do. Buy more when it's dropping because that's how you can uh increase your return uh safely because you buy with a lower purchase price. Okay. So um now let me just wrap up once again. Uh why should you consider dynamic investing? Because it will help you to buy more automatically. When everyone is fearful, your system is set up for you. Okay, you don't need to be fearful because it's helping you to invest emotionlessly, right? And secondly, because it remove your emotion, right? It also actually help you to reduce your risk in the long run because you lower your average purchase price. And then thirdly, if you compare to the regular ISP based on my 25 year back test, you actually improve your return. So I personally think that it's a very very great strategy. How many of you think that this is a great strategy? If you think it's great, can you type great in the chat?

[01:08:52]It just take one day. Okay. The redemption just one day automatic.

[01:08:55]Great. Right. So consider setting it up.

[01:08:58]Now of course do note that um because it's a dis dynamic framework when the market is crashing you will be buying more. Right? So that's why instead of just setting aside your original ISP amount, let's say it's $1,000. Right now you could be investing $2,000. So you just need to make sure you do have the amount of money being deducted from a platform so that you can take advantage of it, right? Because if you never take advantage of it, then it's almost as if you never set it up, right? So that's why be prepared to have sufficient cash reserve. Uh so if you link to your bank, then automatically deduct your bank. If not, you will be using the money that you have inside your your in this case we right. So now of course uh everything has two sides of the coin. When you set at the 300 MA your performance will be lower during bull market because remember when it's 300 they buy more when it's cheap but they buy less when it's expensive right so when the bull market keep on moving up which is the expensive side you'll be buying way lesser as compared to your normal regular saving plan which is the dollar dollar cost averaging. So this is just a trade-off that you need to be uh bearing in mind. And last but not least, it cannot replace the importance of choosing the right ETF, right? The good ETF invest because uh you know right now in the world there are close to 7 to 8,000 ETF for you to choose from. You want to make sure you select the right ETF to buy, right? You don't want to buy into rubbish ETF that anyhow being set up just to just to like like like attract traders and investor. You want to make sure you buy the right ETF so that it can really work to your advantage in a long period of time. And this is what I personally teach in my 3-day ETF to options uh mastery program as well, right? To select the right ETF to buy when it's the the right time and buy more when it's cheap, right? So, uh at the end of the day, which ETF should which MA should you go for? I would say there's no best answer. It really just depends on how do you want to balance it. Uh but I personally think that I wouldn't choose 120 because it just too little, right? I would rather go for the 250 or the 300 EMA, right? But do know that the lower that you go, the the chances of you buying uh buying during normal time will be lesser. So you just need to make sure you you manage that tradeoff, right? So for me, I will go for 250 and 300, right? So that's why last but not least, okay, for those who are considering doing we uh applying for Weeboo account right now, they are really giving very good account opening promo including that free Nvidia share uh and then like free stock vouchers up to 1,188.

[01:11:46]All right. And then do remember that it's also zero fees be it ETF or even like US stocks. Okay, zero platform fee, zero commission and even for options it's only 55 cents net. Okay, there's no additional charges. So which I think it's a very cost effective uh and userfriendly platform as well right and also this is the only platform that allow you to do dis for now. Okay. So that's why I personally feel that it's a very very good time to start investing with reu. So in the meantime uh let me just uh answer some of the additional question before we wrap up. Okay hold on uh uh what is money mmf? Okay. Money market funds. Okay. Okay guys, how many of you would love to have recordings? Okay, if you would love to have this recording, can type R in the chat. Okay, R stands for recording.

[01:12:38]Okay, so what's going to happen is after tonight I will be uploading my uh this recording onto my YouTube channel. All right. So, if you have not subscribed to my YouTube channel, just let me show you where is this uh YouTube channel that I have. Okay. I actually u lot of uh investing content or even like interviews as well on my YouTube channel. Feel free to check out my channel if you have not. Uh let me just show you where you can. It's basically Ario Investor.

[01:13:10]Okay. So, if you search for Ariado Investor on YouTube, then this is the only channel that you have. Okay. The good thing about YouTube is there's very little impersonation. So, there's only one there's only one one channel that you can find, which is good, right? So, I have right now it's a 14K subscribers one if you're wondering which one it is.

[01:13:29]And then you can check out some of my videos here. I did a lot of interviews.

[01:13:32]Uh like like Yeah. Yeah. So, basically a lot of things I talk about. Oh, by the way, I did interview like uh Adam Coup.

[01:13:39]Uh this is Ken Honda. This is uh Monsoon Prabai. Okay. She's a very good investors as well. I'm very very like happy to be able to interview her. So go and Oh, and even like um uh Honey Money, okay, Chris is also here. Okay, so feel free to check out my uh channel and then the recording will also be uploaded here tomorrow. So make sure you subscribe to it now so that it will be notifying you the moment it's uploaded. And of course, if you have not uh signed up for my uh okay, this one, okay, for those who have signed up, you have already signed up.

[01:14:11]Okay, if you have not subscribed to my arado investor official, okay, my IG has a blue tick. Okay, so this is the one that you are able to differentiate whether is it a scam account or the correct account. Okay, you want to make sure there's a blue tick. Okay, so only I can do blue take other scammers cannot do blue tick. So make sure you follow the right account and scan this QR code.

[01:14:30]Follow me because I will also be announcing once the recording is uploaded then you'll be notified immediately over there as well. Okay, good. All right. So, uh, Malaysia has Weeboo. Okay. Gemini say yes. I think yes, Malaysia do have Weeboo. Uh, just that the account opening promo will be different. So, you see whether can you open up your uh account with the link that I'm providing here. Let me just provide once again. You can see whether can you open up an account uh with this link. If you can, fantastic. That means it's definitely available. If it's not, then maybe you just search on Google and see whether you can find Weeboo account uh in Malaysia.

[01:15:12]Okay, all good. I think I more or less address every single thing. How many of you learned a lot tonight? If you learned, can you type learn in the chat?

[01:15:22]I see how many of you learned a lot tonight.

[01:15:25]Awesome. Thank you so much, Eileen.

[01:15:27]Thank you so much, KW. Thank you, Lawrence. Fantastic. Okay, this is so good. Okay, I'm so happy that all of you learned a lot. I can see like a overwhelming responses already. So, do remember, okay, uh uh if you want to find out about the calculator, you can also check out here. Let me just show you once again. This is the one I show you just now. If you go to arguininvestor.com, okay, slashtools. This is how you will be able to see the financial freedom calculator. Feel free to go and explore it and then see how you can actually build up your million dollar portfolio.

[01:15:58]Okay? If you don't know how to use this calculator, just read through the step-by-step instructions. You'll be able to figure that out as well. And uh last but not least, okay, I'm so uh really really grateful for everyone for attending because you could be doing something else but you choose to come here to learn. So for that, can you give yourself a big round of applause? Cut prep for yourself. All right. And for those who have already signed up for my 3-day boot camp, uh it's happening this Friday night. Friday night, Saturday, Sunday. I already sent you the Zoom link. I can't wait to share with you because I really see a lot of great market opportunities. If we monitor the market, the market has been dipping. And guys, this is the best time to buy because the market dip. This is the best time for you to start investing. So, I'm super excited if you sign up for my boot camp. I can't wait to see you this Friday night. And uh once again, thanks everybody and I can't wait to see you in my next coaching as well. Aligato, everybody. Alato. See you guys. The recording will be uploaded tomorrow.

[01:16:54]Thank you. See you. Goodbye everyone.

[01:16:57]Thank you.