Arigato, {{ first name | dear investor }},

You've probably heard this advice before:

❌ Don't buy U.S.-listed ETFs like SPY or QQQ
— they'll cost you 30% dividend tax and up to 40% estate tax! 😱

But here’s what most people don’t see:
Average investors focus on the small matter.
Great investors focus on the big picture.

First of all, let's be clear.

If you're investing in SPY or QQQ for dividends, you're probably investing in the wrong asset.

These ETFs typically pay only 0.3% to 1% dividend yield per year.

They're designed for growth, not income.

So focusing too much on dividend withholding tax is often missing the bigger picture.

The much bigger picture for me is this:

👉 U.S.-listed ETFs allow me to do options.

And options have been one of the biggest reasons I've been able to grow my portfolio beyond simply buying and holding ETFs.

For example, in the last month alone, I generated close to US$1,500 in options premium.

Now let's talk about the other common concern:

"Chloe, what about U.S. 40% estate tax?"

But here's what many people don't realise.

You can legally protect against that risk by simply buying a term insurance!

Personally, I have over $1 million of term insurance coverage, and it costs me only about S$600 per year.

That's less than half of what I generated from options in just ONE month.

So for me, the math is simple:

✅ Fixed insurance cost: ~$600/year
✅ Options income potential: NO CEILING

That's a trade-off I'm happy to make.

So the question you need to ask yourself is:
What is your investment objective?

If your goal is pure buy-and-hold investing, UCITS ETFs make sense.

But if your goal is to:

• Grow your portfolio faster
• Generate additional cash flow
• Increase your returns beyond simply buying and holding

Then U.S.-listed ETFs combined with options is much better!

It's the exact strategy I've used over the past decade to build my portfolio to over $1 million, and today, many of my students are enjoying healthy double-digit returns by applying the same approach consistently.

If you'd like to learn how to use options safely to generate passive income safely and consistently, then join my Free 2-hr ETF Options Masterclass. I will break down for you step-by-step!

Would love to have you join us,
and keep learning together—the Arigato way 💛

Meanwhile, check out this 👇

You’ve saved $1.5M. Now the real test: can it generate $10K/month, or will it run dry?

Most retirees find out too late.

It’s not just what you have. It’s whether your portfolio can pay you.

Taxes, timing, and the 4% rule all matter.

If you have $1M+, do not guess.

Learn More

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. 💛