When you join Investing Accelerator, you’re learning how to think about long-term investing and monthly income strategies — not just the mechanics, but how decisions actually get made. Most people assume the most important lessons are: Picking the right stocks Choosing the right time to deploy a monthly income strategy Those matters. But what almost everyone overlooks is the most important piece of the puzzle: Risk management. Every strategy — whether you learned it inside Investing Accelerator or elsewhere — needs a risk management framework that matches that strategy. The more advanced an options strategy becomes, the more customized the tools and risk controls need to be. That’s where most investors get into trouble. In 2025, we reviewed and discussed 35 monthly income trades (one trade a week) as part of our educational examples. Approximately 80% of those positions reached their intended outcome without adjustment Roughly 20% required active risk management When a trade doesn’t go as planned, does that mean you automatically realize a loss and move on? No. One of the defining features of options is flexibility. You can redesign risk and reward by: Extending expiration Adjusting strike prices Changing the underlying security Used correctly, these tools can improve the probability of a favorable outcome — but they also introduce new risks that must be understood and managed. That’s why risk management is not an afterthought. It’s the strategy. For educational illustration only: If someone had applied the same weekly, rules-based approach discussed in our materials to a dedicated, hypothetical monthly income portfolio during 2025, the modeled result would have been approximately +33% before fees, taxes, and execution differences. Past performance does not guarantee future results. Cheers, Eric ------- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com

3,2,1 - Happy New Year ! As we flip over the page of 2025 and continue our journey into 2026, I would like to thank you for being part of this community and on my email list. 2025 was a year of growth for me, where I rapidly tested hundreds of investing strategies (experiencing another growth spurt in my investing career) 2026 ​is the year when we scale strategies and help more people in the process ​​Instead of capital gains, my focus is now to help people retire better with income-genearting strategies. ​​ This is particularly helpful if one is using Roth or a Traditional IRA to invest, where one can generate the income and delay tax until one needs it (or completely tax free with Roth) ​​ ​I wish you the best for 2026 and thanks again for your support in 2025. Cheers, Eric ---- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com In January, my goal is to help 25 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 If you are interested, then let's hop on a call to see if you can benefit from the strategies in Investing Accelerator and get target 30% per year. During the call, we will map out exactly how you can achieve target 30%, what you are lacking, how you can improve.

Right before the end of the year, something caught my attention in the commodity markets. Usually, I am not a big fan of commodities as I ​only invest when there's a commodity super cycle. However, silver has gone up 160% in the last 12 months ​ Why is that? Jan 1 2026 - China is implementing an export license (as a method to control) silver exports. This applies to silver and other precious metals that tech companies need. This would directly target data centers, chips, and electronics. ​Right now, we are seeing a mad rush to purchase silver right before the export control becomes effective on January 1 2026. ​However, as an investor, I don't think it is worth it to jump into silver right now because these policies can change on a whim. For example, China can come out tomorrow and say the export contorl is delayed or it is not as bad as we imagined. ​ But it is important to keep track of this export license control because it might impact the profitability of tech companies (which means the overall market might go down)​​ Cheers, Eric ---- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com In January, my goal is to help 25 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

As we are approaching 2026, my student asks me - when should I invest in small caps given large caps are so high? What about international markets? Currently, the market is high Not just for US, but for Asia and Europe as well. Large caps are high mainly due to the AI bubble which makes you feel like you should pursue smaller "unnoticed companies." This is exactly the trap I fell into in the last market cycle. This causes me (and potentially you) to find "hidden gems" when the market is high and find small companies to invest in. The problem with small caps is that - it generally drops faster than large cap when we are in a bear market. Large caps can drop and they will recover most of the time The key difference between large-cap and small-cap is that small-caps can drop and never recover.​​​​​​​​ This is why during good times, you can invest in small caps for a short term momentum play but not to invest in small caps hoping they will survive the bear makret (becasue they usually don't). Instead, you should find small caps once you observe and see the bear market ending. ​​​ ​ Then and only then, should you find great small caps with good fundamentals and strong momentum to invest in.​ Large cap is my bread and butter because I know it will come back and recover given enough time while there is no such "promise" for small caps. ​ Cheers, Eric ---- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com In January, 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.

Merry Christmas and have a great holiday season with your loved ones. Here's the boxing day sale link to Investing Accelerator with 33% off and 12 months payment plan. https://5mininvesting.thrivecart.com/boxing-day/ 2025 is a year where I am thankful for everything that happened whether it is family, love, children, wealth, health, and the rest of the world. Being grateful for what I have today keeps me rooted in the ground and to make the best investment decision possible going forward.​​​​ Looking forward to helping you in 2026. Cheers, Eric