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

When you try to become a better person than you are yesterday, you will ultimately encounter roadblocks and challenges. Roadblocks don't mean that you stop. But it is simply a path you must traverse. Oftentimes, when I am doing something difficult, it feels like there's a shortcut or a quicker path. However, the reality is the path I am travelling on is the shortest, quickest path. Speed is determined by how quickly you resolve your roadblocks. When it comes to investing, people get discouraged when the market is going down. However, the market is volatile, and it is not about you. 50% of the time it goes up and 50% of the time it goes down. So when you are investing last month but you didn't make a big profit, some might be discouraged by such result. ​But what if gains and losses are part of life? What you are looking for is not a 100% win system but rather a system that wins more than you lose. And your ability to persist even when the market is going down, while you truly understand your edge and why you make money, is what separately successful investors from not-so-successful ones.​​​​​​​​​​​​​​​​​​​​ Some of you couldn't join with the Black Friday discount last month. So here's the early 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. I will set up a message / group chat to initiate the onboarding process. 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.

Announcing October 2025 dividend 1.7% (20.5%) - Tuition sign-up revenue $105K (compared to last year $57K) for October 2025: This represents a 84% increase in revenue compared to prior year. We lowered our cost per acquisition significantly with the new system. This is also the first month where the tuition sign up revenue broke past $100,000 per month. The $100,000 a month journey is interesting as it makes us question what we fundamentally know about advertising and customer support. But also, how our students would like to join the program and the kind of support we can provide. For November, we are also doing well with Black Friday sales. - AI investing model running as expected: As the market is generally going up in October, so did our investing model and return. We continue to focus on getting exactly the model return with less than 1% deviation in October. For November, we had a week where we had some deviation due to a larger position size but it will be corrected in December. - Investment Manager set up - BranchPoint Asset Management: We are working with lawyers, tax accountants and auditors across US and Canada to set up the right structure to manage the US hedge fund. For the investment management company, it will be named BranchPoint Asset Management. BrachPoint represents a data science concept and one of the key ideas in our machine learning algorithm to invest in the market. In other words, we are a data science-first investing company. Our plan is to use BranchPoint to charge a 0.5% management fee which is super low to cover mainly administrative expenses while we prioritize proviidng a net 20% return (1.67% per month) to our fund investors. Our legal team is working to prepare the investor package in early 2026. So the minimum investment is $200,000, and we would target $3,340 in distribution per month, which would be a significant boost to your retirement The most tax-efficient way is to use your IRA or Roth IRA account. We have a waitlist of investors and the first fund can accommodate 100 investors.

As we approach the end of the year, it is important to be grateful. This year has its downs (tariff war) and also its ups (subsequent recovery). Whether the market is up or down, or a V shape recovery, the most important thing is the people around you and the relationship you have with them. ​Money will come (as the overall market goes up by 10% per year). And it is important to treasure the little moments with our families, as we still can. Happy Thanksgiving! ​​​​​ Here's the FINAL Black Friday 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/black-friday 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. I will set up a message / group chat to initiate the onboarding process. 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

Got to thinking about Eric's reminders that we need to live life (amid all of our other pursuits). I unexpectedly learned the lights were visible from Colorado tonight! Always have wanted to see them!!