🇯🇵 BOJ is poised to hike rates to 0.75% from 0.5% in December, with government sources saying the administration will tolerate the move as markets price an ~80% chance of a hike. 🇨🇳 China moved to slow yuan gains by setting a 7.0733 fixing—164 pips weaker than forecasts and the biggest weak-side gap since 2022—while state banks buy dollars to curb a rally toward 7.00. 😁 Trump may make Treasury Secretary Scott Bessent the NEC director too if Kevin Hassett is tapped as Fed chair early 2026. 🧲 Salesforce raised its revenue outlook on stronger demand for AI products like Agentforce and Data 360, with annual recurring AI revenue hitting $1.4 billion and the stock at $238.72. 🛢ExxonMobil plans to permanently shut one of its steam-cracker plants on Singapore’s Jurong Island starting in March, part of a global industry pullback — the stock is now trading at US $133.78. 📆 CALENDAR FOR TODAY - 04.12.2025 🇺🇸 Unemployment Claims - 16:30 GMT+3; #MarketNews

The job of an investor is to avoid the bear market. This sounds counterintuitive because we are all taught "we just need to buy and hold. Time in the market is better than timing the market." ​However, we also need to explain the following: "Why does Warren Buffett have such a large pile of cash as one of the most successful investors?" "Why does Michael Burry take on large short positions against the AI bubble?" "Why do people wait for Black Friday to buy and buy more during heavily discounted periods?" The answer is simple and obvious. It pays to time the market correctly. If you hold cash and wait till Black Friday, things go on sale by 20, 30, or even 50%.​​​ If you hold cash and wait for a crash, company shares go on sale by 20, 30, or even 50%. That's why I focus on buying blue chip stocks at a discount. This is why Warren Buffett has a very large cash pile. This is why patience pays when it comes to investing and... ​Your job as an investor is to have cash when the bear market happens. Right now, the market is still bullish. So we are all in it for the Santa rally until we see a bearish catalyst.​​​​​​​​​​​​​​​​​​​​​​​ So here's the BOXING DAY discount to join Investing Accelerator, where you get an interest-free instalment over 12 months & 33% discount off the regular price: https://5mininvesting.thrivecart.com/boxing-day/ After you join, you can schedule a free one-on-one call to ask any questions you have about your life, your situation, and retirement. You can also use this call for technical support if you wish to have it later. 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.

Last night U.S. time (5 Dec 2025), S&P Dow Jones Indices announced that three more companies will be added at the upcoming December rebalance: CRH plc (CRH) Carvana (CVNA) Comfort Systems USA (FIX) These are announced to join the S&P 500, with corresponding deletions and mid-cap/small-cap moves, but their inclusion becomes effective later in December (typical rebalance effective date is around the week of 19–22 Dec).

People grow over time. Sometimes willingly. Sometimes unwillingly (market forces you to grow). As a trader/investor/entrepreneur, we all go through various growth lifecycles. Most people think that being a profitable trader is the end of the journey (which I thought so as well... ​But I was wrong. Being a profitable trader is not the end of the journey. A profitable trader develops himself as an edge where he manages his own emotions, knows the market well and is able to analyze the market from experience. ​ However,​​​​ a profitable trader can suffer emotionally from high-stress environment and always taking in a lot of information to anticipate the next step of the market. ​This leads to mistakes and potential losses because a profitable trader can become emotional and loses his edge. The next step after being a profitable trader is to "productize" yourself. Instead of intuition, a profitable trader would turn his "system" into rules (hence rule-based investing) A profitable trader would develop constraints / find specific market conditions where he is profitable, such that it reduces his thinking (hence repeatable edge) ​Until a profitable trader completely removes himself from analyzing the market every minute, he is not truly free, and his edge wouldn't last. ​​​​​​​​ ​ ​Once a profitable trader fully systemize his strategy, the next phase of growth begins and he also realizes he doesn't need to trade himself anymore - the system does it for him. ​​​​​​​ So here's the BOXING DAY discount to join Investing Accelerator, where you get an interest-free instalment over 12 months & 33% discount off the regular price: https://5mininvesting.thrivecart.com/boxing-day/ After you join, you can schedule a general Q&A session to ask questions about the program materials and how to apply the concepts you’re learning. You can also use this call for technical support as well. Cheers, Eric ----- Eric Seto

The Old 60/40 Portfolio vs. The New 60/40 Portfolio