Merry Christmas! I recently visited Hong Kong Disneyland with my family. Here's a photo of my two kids plus my parents in Frozen - the new park area. There are a lot of things that I can be grateful for this year and also a few important things I am working towards.​​​​​ As I am writing this email to you, S&P 500 is at an all time high. A lot of the students in Investing Accelerator have done quite well with portfolio return over 30%+ ​My smart index fund strategy returned +55% My monthly passive income strategy returned +62% https://5mininvesting.com/free-case-study/ ​Remember that there are ups and downs in the market. After all is said and done - the only important thing to me is spending time with my family and helping more people achieve financial freedom​​​ Whether that is learning how to invest yourself by joining Investing Accelerator, or getting 20.5% dividend by being an early investor to Investing Accelerator, we are all on the journey to become better. I expect 2025 to be another stellar year from late spring to summer time (March to July). Thus, you should aim to learn an investing strategy and focus on getting your portfolio allocated by January and February.​​​​ As for myself, I am on my own journey too. To raise $50 million to start a baby hedge fund with a target of 20% return dividned Then raise $200 million to become a moderate size hedge fund with a 20% return dividend. https://5mininvesting.com/free-demo-for-investors/ It is by no means an easy task but a worthwhile one which aligns with my mission. As I continue to become a better investor, my students in the program, my early investors and myself will become more and more free (both financially and mentally) I would consider this a win-win-win situation.​​​​​​​​​​​​​​ I hope you have a wonderful Christmas. Now I am off to Japan (Osaka and Toyko for 14 days).​​​ Cheers,

Hi Eric! I exited FNGU (shares)13% and LEN(Call) 34% gains in 2 months! Thank You!!

In the last few months, Bank of Canada has cut rates 3 times in a row. This signals that interest rate has peaked In the most recent Fed minutes release, Fed is announcing that they are ready to "pivot" Either way, the interest rate has peaked and we are expecting the interest rate to come down. So what happens next? What's the environment we will be operating in? What will go up and what will go down? ​1. Interest cost to run business, buy real estate, buy stocks will go down. This means demand for investing will go up. This means prices up. 2. Interest rate coming down means money will flood from the money markets to the stock market / real estate / businesses. 3. Interest rate coming down means it is easier for new companies to start and the valuation of startups will go up. 4. Interest rate coming down means the existing high-interest loan will be ​more valuable. A normal loan of $100,000 at 12% interest will be more valuable than before because you can't get these loans ​​anymore. 5. Interest rate coming down also means the private lending cost will come down (which is usually a function of the bank rate + spread). This also means private lenders will have a harder time finding high interest rate loans.​​​​​​​​​​​ Eric ------- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com In September, my goal is to help 10 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.

I exited SOXL shares with 69% gains in 2 months. I exited TQQQ call position a week ago with gains and re-entered, and just exited TQQQ with additional 6% gains. You the MAN Eric!

I sold my AMZN spead today for a small profit. Only risked $500 and made about $37 in 4 weeks. Just didn't want to worry about it anymore so I closed a few days early to learn how to use the IBKR phone app. Not easy to me. Waiting for my statement to come out tomorrow so I can see the real number. Options are really out of my league...so I am being very careful. Thanks for the help Eric. Still want to understand basic options. Find IBKR very confusing...even when I call in for help. So not taking too much risk...just following along. Will try cc and puts one day...but likely stay right away from spreads. Prefer the spreadsheet balancing idea. Thanks Marc. I can do balancing. Have a wonderful day...my basement just flooded a few days ago...so distracted yet again. Love reading about everybody's journey.