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Arigato, dear investor,

Have you ever found yourself thinking this?

It’s a very common thought. I hear it all the time.
But here’s what usually happens next…

When the crash does come, fear takes over.
“I think it will drop even more. Better to wait.”

Then, when the market rebounds, the thought becomes:
“This recovery is temporary. A bigger crash is coming.”

So the cycle repeats—
📉 Market goes down → they wait.
📈 Market goes up → they wait.
And in the end, they never invest.

Meanwhile, their money is quietly losing value to inflation. Because unlike the stock market, inflation never waits.

Does this sound familiar? Maybe you’ve fallen into this trap too.

That’s why I always tell my students: don’t wait.
Start investing with ETFs.

If you pick the right ETFs, history shows us they rise over the long run. The S&P500 $SPY ( ▼ 0.58% ) , for example, has compounded at about 10% annually for the last 70 years—through wars, recessions, crashes, and recoveries.

The key is not to time the market, but to balance your investments with cash, so you can stay invested while also staying comfortable.

For example, I spread my money across 3 different brokerage accounts—not just to diversify, but also to earn free shares from account openings. Since I switched to these accounts in recent years, I’ve made over $330,000 with ETFs, stocks, and options.

Even with the market at all-time highs right now, I’m still investing. Because the point isn’t waiting—it’s growing, steadily and safely.

The Key: Start with any amount you’re comfortable with.

Keep going. Keep growing.

And if you’d like to learn how I generate consistent returns regardless of market ups and downs, join my free 2-hour Options to Freedom Masterclass.

💡 On top of that—if you want to grab some free rewards, Longbridge is currently offering up to $800 SGD worth of free shares for new account openings. Among all the brokers right now, this is the most attractive reward I’ve seen.
👉 Sign up here: Longbridge Free Shares Promo

Arigato!

Chloe
Arigato Investor

Just a quick heads-up 🌸 Except for Instagram, where I may reply if you comment on my posts, I’ll never initiate a private message to you on any platform. So if you ever get a DM from someone claiming to be “Chloe” or “The Arigato Investor” on Telegram or TikTok — please know that’s not me. It’s a scammer impersonating my account. Stay safe and always double-check 💛

The information provided in this newsletter is for informational purposes only and does not constitute financial advice. Readers should seek their own independent financial advice before making any investment decisions. Please note that the opinions expressed in this newsletter are Chloe's own and do not represent the views of any organization. Always perform your own research and due diligence before investing. 💛