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.

As the US market, along with other markets such as Asia and Europe, is at an all-time high, I expect 2026 to be the year when people are reorganizing their portfolios and taking some profits. Historically, February is the month of releasing annual financial statements and people, especially value investors, will read through hundreds of pages of financials to determine whether to keep or sell the company. I expect a lot of volatility for this coming February (and a lot of opportunities as well) I also expect February to be overall down before people have time to digest annual financials and re-enter in March. ​​​​​ ​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. 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. If you have any questions about the program, you can ask during the call as well.

Most people are taught to be buy and hold investors as you cannot time market. Yes - this is true. In other words If you cannot time the market, just buy and hold. However It is possible to time the market and this is how you can achieve a higher than average return. The math is simple. Imagine S&P 500 makes 10% per year. You find a pattern (e.g. negative momentum, interest rate increase, bad earnings etc) Option 1: You hold cash and the market went down 5% in one week and you buy it back This means you are higher than the market by 5% = 15% per year. This also means that you just need to hold cash one week out of the year to achieve such a gain Option 2: You exit and you short the market when it went down 5% and buy it back after 1 week This means you are higher than the market by 10% (you made 5% on the way down and 5% on the way up) = 20% per year You just need to be right about one week out of the year going down to beat the market by 10% This is what I spend a lot of time studying - patterns that would forecast the near term to be bearish. This is why it is easy for a long / short strategy to perform better than buy and hold. 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

Everything I make THIS CHANGE - I ended up making more money. To start, 15 years ago, I used to work at a supermarket. I took heavy boxes of oranges and threw them onto the countertop so people in Chinatown could rush over and buy fresh oranges. I made $20 an hour. It was pretty decent for a university student back in the day. Then, I work at KPMG as a staff accountant (the grunt) - A business model change I worked a lot of hours but I got a fixed salary. It is not so much about hours to time but the quality of my work to get to promotion. I made $50,000 per year. Then, I got promoted to manager (I manage 3-5 teammates per job) - A business model change I got my CPA and also CFA level 1 exam. I made $100,000 a year managing people to produce results. It is not about me working 100 hours a week but getting the team to collaborate and collaborating with the clients to achieve the goal Then, I started my own education academy - Investing Accelerator - A business model change Instead of selling my time, what's important is the asset (e.g. the knowledge, the course, the strategy) and whether or not I am able to help my customers to solve a specific problem I made mid-high six figures in revenue. Then, I developed the monthly passive income strategy in Investing Accelerator - A business model change. It's not so much about selling my assets (e.g. knowledge), but taking on calculated risk where the odds are in my favour using my capital. This scales with the amount of capital I deploy into the strategy (e.g. $300K to aim for $100K per year) As long as I understand the odds are in my favour (90%+ win rate), I can deploy my capital to work for me, with a reasonable expectation that I would succeed. Sometimes, making more money isn't about using more hours. But it is about changing your business model and how you deliver value to the world. Cheers, Eric ----- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM)

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