Wishing everyone a great new year. Stay safe, focus on your health and invest wisely in 2026.

I love to travel. Taking a pause and recharge our mind and body is always great. Experience many culture food and flavors and to bring them back to my kitchen is always my goal post retirement. And learning to trade and earning a little passive income here and there is cherry on top. Occassionally i can take profit and buy myself a travel ticket I am happy. I strive to be consistent. Thanks to Eric's community here I learn risk management from some of you in 2025. So thank you so much for those willing to share your experience. On Dec 6th I plan to travel to Barcelona, Marseilles , Genoa and Rome. Combination of Mediterranean cruise and land explore. I have been to Rome and many cities in Italy before and Venice is my favorite Italy city. The port is in Rome so it will be fun to return to Rome then board the cruise from there. I will spend a few days in Barcelona to explore this beautiful city before coming home. How about you? Will you take a break from your hard work and do a little travelling over the holidays ?

Most people are taught to be buy and hold investors as you cannot time market. Yes - this is true. In other words If you cannot time the market, just buy and hold. However It is possible to time the market and this is how you can achieve a higher than average return. The math is simple. Imagine S&P 500 makes 10% per year. You find a pattern (e.g. negative momentum, interest rate increase, bad earnings etc) Option 1: You hold cash and the market went down 5% in one week and you buy it back This means you are higher than the market by 5% = 15% per year. This also means that you just need to hold cash one week out of the year to achieve such a gain Option 2: You exit and you short the market when it went down 5% and buy it back after 1 week This means you are higher than the market by 10% (you made 5% on the way down and 5% on the way up) = 20% per year You just need to be right about one week out of the year going down to beat the market by 10% This is what I spend a lot of time studying - patterns that would forecast the near term to be bearish. This is why it is easy for a long / short strategy to perform better than buy and hold. Cheers, Eric Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com In December, my goal is to help 20 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. 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. Here's a step by step guide on how to join Investing Accelerator for free: https://www.skool.com/invest-retire-community-1699/how-to-join-investing-accelerator-for-free

Apple break down the trend created since the spring this year and I expect to retest the $250-$260, which coincide with the 100EMA and the previous high from end of 2024. I sold my entire position in Apple (I need to say that was not too big) and plan to start adding when is reaching the support area.