Most index funds are not made to deal with the bear market. We are told to buy and hold when the market goes down and correct itself. Yes - we can diversify - but most of the industries are correlated (even oil and gas and real estate). This means when the overall market goes down, we all go down together. So after years (17+) of studying the market, I conclude - The best to deal with the bear market is learning how to use inverse index funds. For example - most people buy QQQ NADSAQ 100 long. But you can also buy inverse QQQ NASDAQ 100, which is an ETF that will go up when NASDAQ 100 goes down. By combining the ability to choose from long NASDAQ 100 (bull), inverse NASDAQ 100 (bear), and hold cash, this will give you more flexibility to deal with the market downturn This is especially important because the market is at a high. SPY and QQQ return are hitting 20% per year (which we know the average is 10%). So we are in the middle or near the top of a bull cycle. So the bear cycle is coming. So the secret is: long, inverse, cash. However, rotating between long and inverse can be time consuming. It requires you to have years of experience (and perhaps a machine learning model) It also can be an emotional journey for newbies. That's why we create a fund to address this problem. So I take on the emotional stress instead of you ;) wink wink.​ (One investor asked me why did I go bald? That's why. I used all my hair to developed the machine learning algorithm)​ It is our "best" answer to the bear market to date. However, SEC limits only investors with $2.7 million in net asset can invest in this fund. So if you are the qualified few that meet the net asset requirement, you can watch the presentation here to learn more:​ https://branchpointfunds.com/ Cheers, Eric

The Gold/Silver Ratio Is Measurably Above its Historic Average (1980-2025) Silver has lagged gold over the past decade. Flash forward to today, and several years of deficits in silver have led to extreme market tightness, and silver has been outperforming strongly, up ~27% thus far in Q3 and 61.39%% YTD as of 9/30/2025, reaching 15-year highs and approaching its all-time high (~$49), made back in 2011. Despite this recent catch-up performance with respect to gold, the gold-to-silver ratio at 83x still sits above its historic average of ~67x (see Figure)

Hear me out. In the Alien universe, Weyland-Yutani is not just a company. It is basically a civilization-scale operating system: Space travel. Colonization. Defence contracts. Advanced robotics. Synthetic humans. Questionable ethics. Aggressive shareholder value creation. Now look at SpaceX. Reusable rockets. Starlink global communications. Government and defence contracts. Mars colonization narrative. Private infrastructure that nation-states increasingly depend on. A founder with main-character energy. I’m not saying Elon Musk is building Weyland-Yutani. I’m just saying that if, in 80 years, your grandchildren are working on a Mars mining colony under a corporate HR policy called “Frontier Productivity Optimization,” we probably should have seen the signs. The serious investing question underneath the joke is this: Are we entering an era where the most important companies are not just businesses, but infrastructure-layer civilizations? The last century rewarded ownership of energy, railroads, banks, telecom, and industrial giants. The next century may reward ownership of: - Space infrastructure - AI platforms - Compute - Robotics - Energy storage - Defence technology - Bioengineering - Global communications networks In other words, the companies that don’t just sell products - they control the rails everyone else has to use. So maybe the future investing question is not: “Which company has the best quarterly earnings?” Maybe it is: “Which companies are becoming impossible for governments, militaries, industries, and citizens to function without?” That is where the Weyland-Yutani analogy gets interesting. Because in a corporate-feudal future, you probably want to be one of three things: 1. An owner 2. A highly valuable operator 3. Nowhere near the xenomorph containment lab Personally, I’m aiming for 1 and 2. Curious what people think: Is SpaceX just an incredible company, or are we watching the early formation of a future corporate superpower?

Inflation crosses above 4% for the first time in recent months Market drops This is because the market is worried that the new Fed Chair Kevin Warsh would not decrease the interest rate. Instead, there may be a possibility that we might even encounter a rate hike. This would reduce the money supply. Companies like tech and semiconductors valuation will go down. This is why you see a larger correction today with these companies The real question becomes Will Kevin Warsh make decisions based on inflation data? Or he is just going to ignore it and lower the interest rate anyways?​​​​​​​​​​​​​​​​​ Cheers, Eric --- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com In June, I’m helping 10 people to become better at investing through Investing Accelerator. During the free strategy call, you can discuss which area of analysis you need the most help with (finding discounted stocks vs generating income). In Investing Accelerator, we focus on - Mastering investing even if you don't have a financial background - Step by step mentorship on how to set up your chart and fundamental analysis to find discounted stocks - Mastering options to generate income or multiply long term gains If you are interested in joining Investing Accelerator, you can schedule a free strategy call here to see if you are a good fit. If you are interested, you can schedule a free strategy call here to see if you are a good fit. Schedule a free call Disclaimer: This communication is provided for educational and informational purposes only and does not constitute investment advice, a recommendation, or an offer to invest in any fund or strategy. No advisory relationship is formed by receipt of this content. Any references to strategies or markets are general in nature and do not reflect the performance of any client account or investment product.

Everyone's waiting for SpaceX IPO on June 12. $1.8 trillion. Biggest IPO in history. And everyone is probably going to buy it ⚠️ Here's what's really going to happen A company that was profitable in 2024 and lost $4.94 billion in 2025 is getting listed on NASDAQ. Apple with all its products and AI investments, trades at 33x earnings. SpaceX is going public at 96x revenue, meaning you're paying $96 for every $1 the unprofitable company is making 💣 This isn't just an overvalued IPO. This could be the pin that pops the AI bubble The institutions, the insiders, the early investors have been waiting for this moment. The IPO isn't for them to buy. It's for them to sell. To you. At $1.8 trillion