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.

Everything I make THIS CHANGE - I ended up making more money. To start, 15 years ago, I used to work at a supermarket. I took heavy boxes of oranges and threw them onto the countertop so people in Chinatown could rush over and buy fresh oranges. I made $20 an hour. It was pretty decent for a university student back in the day. Then, I work at KPMG as a staff accountant (the grunt) - A business model change I worked a lot of hours but I got a fixed salary. It is not so much about hours to time but the quality of my work to get to promotion. I made $50,000 per year. Then, I got promoted to manager (I manage 3-5 teammates per job) - A business model change I got my CPA and also CFA level 1 exam. I made $100,000 a year managing people to produce results. It is not about me working 100 hours a week but getting the team to collaborate and collaborating with the clients to achieve the goal Then, I started my own education academy - Investing Accelerator - A business model change Instead of selling my time, what's important is the asset (e.g. the knowledge, the course, the strategy) and whether or not I am able to help my customers to solve a specific problem I made mid-high six figures in revenue. Then, I developed the monthly passive income strategy in Investing Accelerator - A business model change. It's not so much about selling my assets (e.g. knowledge), but taking on calculated risk where the odds are in my favour using my capital. This scales with the amount of capital I deploy into the strategy (e.g. $300K to aim for $100K per year) As long as I understand the odds are in my favour (90%+ win rate), I can deploy my capital to work for me, with a reasonable expectation that I would succeed. Sometimes, making more money isn't about using more hours. But it is about changing your business model and how you deliver value to the world. Cheers, Eric ----- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM)