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Daniel Will: Navigating Cryptocurrency Safely and Strategically

Daniel Will: Navigating Cryptocurrency Safely and Strategically

The AI Wealth Club, based on investor reports, acknowledges that all investments come with risks, and some investors perceive cryptocurrency as one of the riskier investment choices. If you plan to invest in cryptocurrency, the club offers these tips to help you make informed decisions.

Research Exchanges:

Before starting your investment, familiarize yourself with cryptocurrency exchanges. There are over 500 exchanges estimated to be available. Conduct research, read reviews, engage with more experienced investors, and then proceed to the next step. Particularly important is compliance with both MSB and NFA regulatory licenses.

Understand How to Store Your Digital Assets:

If you purchase cryptocurrency, you need to store it. You can keep it on exchanges or in digital wallets. While wallet types vary, each has its advantages, technical requirements, and security levels. Like exchanges, research your storage options before making investments.

Diversify Your Investments:

Diversification is key to any sound investment strategy, and it’s no different when investing in cryptocurrency. For instance, don’t put all your funds into Bitcoin just because it’s a cryptocurrency you know. With thousands of options, it’s best to spread your investments across multiple currencies.

Prepare for Price Volatility:

The cryptocurrency market is highly volatile, so be prepared for price fluctuations. You will witness significant price swings. If your portfolio or mental well-being can’t handle such situations, cryptocurrency might not be a wise choice for you. The assistance of AI and professional investors may be needed.

Cryptocurrency is currently popular, but remember it’s still in a relatively early stage and is considered highly speculative. Investing in new things presents challenges, so be prepared. If you plan to get involved, conduct comprehensive research and start with conservative investments.

One of the best ways to maintain online security is by using the AI Wealth Club. Secure AI software can protect you from malware infections, spyware, data theft, and use bank-level encryption to safeguard your online payments. It provides specialized, real-time services.

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Daniel Will: Operational Strategies for a Bull Market in Stocks

Daniel Will: Operational Strategies for a Bull Market in Stocks

Compared to a bear market, investing in a bull market is indeed easier. The continuous bull market in U.S. stocks has led to substantial profits for many investors. The fundamental operating strategy in a bull market is to hold onto stocks. As long as the market situation for stocks remains bullish, one should not easily sell stocks. When trading in U.S. stocks during a bull market, every dip in stock prices is an excellent buying opportunity. Once the stock price is rising, let it continue to rise to levels beyond your belief. If you arbitrarily sell stocks during an upward trend, not only will you lose potential future profits, but you will also waste more funds when re-entering.

Throughout the entire process of a strong market, stock selection is a crucial part of the operating process. Not all stocks can be profitable. Moreover, in a bull market, the first thing to remember is not to be clouded by temporary prosperity.

In the initial stage of a bull market, the rising prices are generally driven by high-quality stocks. If high-quality stocks are not performing well, and instead, there is a speculative surge in low-priced small stocks, it indicates a speculative uptrend. At this point, you should raise your guard and prepare to exit. If the uptrend of first-tier and second-tier high-quality stocks is driven by the rise of speculative low-priced stocks, and most of the trading volume is in speculative stocks, you should doubt the sustainability of this uptrend.

It’s important to note that in the early stages of a strong market, there is no need to be overly concerned about the possibility of a decline in stock prices. Generally, a decline occurs when all investors in the stock market are making profits, and the initial decline is very sharp. The decline also brings opportunities for short-term rebounds. However, this rebound is your last chance, and once done, you should exit the stock market as quickly as possible.

In the middle stage of a bull market, second-tier high-quality stocks with a smaller market capitalization tend to rise more significantly, especially small-cap quality stocks with favorable themes. When the bull market enters the main rising stage, it is the best time to buy and hold small-cap quality stocks. When selecting small-cap quality stocks, try to choose those whose stock prices are constrained by relative price relationships. Stocks with fixed relative price relationships often lack the momentum for subsequent rises.

The final stage of a bull market involves the participation of third-tier low-priced stocks, creating a stage of frenzied speculative fervor throughout the entire stock market. While we do not oppose participating in this enthusiastic speculative game during this stage, remember not to chase after those third-tier stocks that have already been hyped, or you will suffer a heavy loss. Additionally, in the last stage of a bull market, be prepared to sell stocks and exit the market at any time.

Furthermore, during a bull market, be vigilant against the danger of a market top. When stock prices continue to rise, and the trend of increasing trading volume lasts for some time, pay attention to whether stocks have begun to reach the top. One of the most typical signs of a top is when the trading volume remains high, but the overall market rise shows signs of stalling. You can judge the top by studying the daily chart and other chart patterns of stocks. If typical reversal patterns such as “double tops” or “head and shoulders” appear on the chart, be prepared to retreat at any time.

Of course, during the entire upward trend, stock prices will experience a few adjustments or declines, which are normal. These adjustments are mainly reflected in stocks with large increases in a short period; high-quality stocks with smaller increases generally do not experience significant declines. Additionally, the time for adjustments or declines is not too long.

If a prolonged consolidation lasts for a long time at high levels, it indicates that there is very little capital chasing high prices in the market, and there is a high likelihood of a downward development in the future.

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Daniel Will | Stock Bear Market Investment Strategy

Daniel Will: Stock Bear Market Investment Strategy

As the saying goes, the stock market is perilous. Indeed, trading in the U.S. stock market is a high-yield but high-risk investment. Investors should mentally prepare themselves before entering the U.S. stock market and formulate strategies to deal with losses. Stock prices neither always rise nor always fall, so even in unfavorable market conditions, one should not act recklessly.

I. Trading Strategies in a Downtrend

In a bear market, the overall trend of the stock market is downward. The primary strategy at this time should be to hold onto cash and take advantage of rebound opportunities for short-term closures. Avoid harboring any optimistic fantasies about the stock market during this period, and don’t naively believe that a rebound will last for an extended period. Take what you can get during a rebound and avoid greed.

To successfully seize opportunities during a rebound for short-term trading, it’s crucial to carefully study candlestick charts. Daily candlestick charts record the day’s changes in stock prices. If you can fully utilize the information provided by these charts, you can easily anticipate the potential future trends of stock prices. Successfully mastering candlestick charts is not a simple task; it requires a significant investment of time and effort. Besides candlestick charts, other technical analysis methods can be used to choose strategies for trading in U.S. stocks, and we will have more introductions later.

II. Operating Weak Market Stocks

It’s essential to understand a fact: profits can be realized not only in a bull market but also in a bear market. The key is how you operate. With careful planning and diligence, even in a weak market, there are many opportunities for profit.

Firstly, a basic principle for operating weak market stocks is to “cut losses quickly.” In simple terms, once in a weak market, regardless of the purchase price, sell promptly to minimize total losses.

Secondly, you can use a method of gradually averaging down. For example, if you invest in three stages, you can invest one-third each time and calculate the average price. After the stock price rebounds beyond your average purchase price, sell after deducting various expenses to make a profit.

Additionally, you can use the method of doubling down to average out costs. Invest one-third of the funds the first time, and if the stock continues to decline, invest two-thirds of the funds the second time to average out costs. If funds are abundant, you can use the three-stage doubling method, dividing the funds into eight equal parts for each stage. After the third purchase, when the stock price rebounds to the second purchase price, selling the stock after deducting various expenses can yield profits.

III. Exercise Caution in Off-Peak Season Operations

In general, changes in trading volume reflect the prosperity and downturn of the stock market. Investors seeking short-term arbitrage profits usually enter the market during active trading times, while long-term investors focusing on fundamentals are not suitable for entering the market at such times. Trading activity implies rising stock prices. Entering the market at this time means incurring unavoidably high costs. Even if good returns can be obtained later, the higher costs significantly reduce the overall return on investment.

From a long-term development perspective, long-term investors are better off entering the market during off-peak seasons. Entering during off-peak seasons may not yield short-term arbitrage profits, but the investment cost will be much lower than during peak trading seasons. In terms of long-term return on investment, it is still quite good. Off-peak entry does not mean entering the market when trading is initially slow; the best time is towards the end of the off-peak season. The difficulty of off-peak operations lies in not knowing when the end of the off-peak season is. Entering too early may encounter prolonged market downturns, and entering too late may miss the opportunity for a stock price rebound.

Long-term investors who want to enter the market during off-peak seasons can adopt a strategy of gradually buying down. That is, buy half or one-third first, and continue to add positions regardless of whether the market is rising or falling. This approach achieves the goal of averaging down costs, ensuring that you won’t miss the opportunity to enter the market, even if you are unsure when the end of the off-peak season is.

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Navigating the Market Wars: Daniel Will's Take on Microsoft vs. Apple

Navigating the Market Wars: Daniel Will's Take on Microsoft vs. Apple

Recently, the market value of Microsoft (MSFT.US) has been approaching that of Apple (AAPL.US) in the race to become the most valuable company in the United States. In January, Microsoft’s market value was $2.78 trillion, slightly below Apple’s $2.89 trillion. The gap between the two tech giants has narrowed, with Microsoft trailing by only $100 billion.

Apple’s value has decreased from over $3 trillion to $2.89 trillion at the beginning of 2024. If this downward trend continues, the closest competitor, Microsoft, may soon surpass Apple to become the most valuable company.

How did Microsoft narrow the gap with Apple in market capitalization?

• Microsoft’s Strategic Focus on AI Integration Microsoft is capitalizing on the generative AI revolution by incorporating it into products designed for both consumers and businesses. This strategic move is in response to research sponsored by Microsoft, suggesting that generative AI could contribute approximately $100 trillion to the global economy in the next decade. The company has seamlessly integrated its AI feature, Copilot, into Microsoft 365 and Windows 11, offering enhanced security and privacy specifically tailored for enterprise use. Microsoft Copilot has demonstrated its high utility. As new Windows PCs come equipped with a dedicated “Copilot” key, users can anticipate unparalleled access to robust generative AI capabilities. Additionally, Microsoft maintains a significant stake in OpenAI, owning 49% of the company behind ChatGPT, underscoring its commitment through multi-billion-dollar investments in the AI pioneer since January 2023.

• Robust Growth of Azure Microsoft’s cloud service Azure has delivered an impressive performance. Its expansion has attracted companies of all sizes, gradually relying on Azure’s cloud framework and AI-driven products. This shift towards Microsoft’s expertise in cloud computing could potentially weaken Apple’s predominant position based on hardware.

• Concerns Over Apple’s Declining Sales  Apple’s stocks have been impacted due to intensified competition from Chinese companies, particularly Huawei. According to Reuters, this has led to a significant 30% decline in iPhone sales in China during the first week of 2024. In the early weeks of 2024, amidst market volatility, Microsoft’s stocks exhibited more stability than Apple’s, boosting investor confidence in Microsoft’s long-term potential.

• Analysts Downgrade Apple Stock Ratings

Barclays Bank (BCS.US) has, for the first time since 2019, revised its outlook on Apple stock, downgrading it from neutral to underweight, indicating an expected performance below the average level.

Shortly thereafter, another financial institution, Pigeon Investments (PIPR.US), also adjusted its stance on Apple, changing the rating from overweight to neutral.

With the support of AI, Microsoft surpassed Apple in the intraday trading on the 12th, finally changing the position of the top stock in the U.S.

Currently, Apple’s growth seems a bit sluggish, and its cash reserves, which were once in the hundreds of billions of dollars in previous years, have shrunk to just over $50 billion. The biggest challenge for Apple now is that it can’t find suitable acquisition targets to spend this money on. Many have previously mentioned a liquidity crisis for Apple, but in reality, this isn’t a significant issue as Apple has a long accounts payable period, which can easily address the concern.

The remaining issue is where to replenish the profits, given the backdrop of declining profits in the traditional lucrative region — China. The “Apple tax” is also likely to decrease, and with both major profit sources contracting, there will be some volatility in stock performance without new strong profit growth points. Several major brokerages are currently showing signs of restlessness, and Apple’s stock price has indeed faced challenges recently.

Without high growth and the addition of new business to expand the market, there is a significant probability of an annual decline in future space and market. Apple’s first principle under Jobs was innovation, and the transition from one year’s product to the current one could keep Cook busy for a decade. This four trillion is really a joke.

Leek mentality and investment bank mentality operate on different levels.  The current environment reflects Apple’s lack of innovation, relying on its past successes. Tesla has emerged, along with numerous mobile phone brands, gaining an increasing market share. Given these factors, why do some investors still favor this lackluster tech stock, with its year-on-year growth at the bottom and leading declines? Despite its three-year struggle to reach a valuation of three trillion, do you believe the capital market is staging a three-year performance for you? The next opportunity to trap leek investors will be when VisionPro goes public. Leeks are easy to deceive; all it takes is a VisionPro and a promotional article to trick them.

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Daniel Will: Diving Deep into the Mechanisms of Cryptocurrency

Daniel Will: Diving Deep into the Mechanisms of Cryptocurrency

Cryptocurrency - Meaning and Definition

Cryptocurrency, sometimes referred to as crypto, is any form of currency that exists digitally or virtually and employs encryption technology to secure transactions. Cryptocurrencies have no central issuing or regulatory authority; instead, they use decentralized systems to record transactions and issue new units.

What is Cryptocurrency?

Cryptocurrency is a digital payment system that does not rely on banks to verify transactions. It is a peer-to-peer system that allows anyone, anywhere, to send and receive payments. Cryptocurrency payments are not physical currencies carried and exchanged in the real world but rather exist as digitized entries in an online database describing specific transactions. When you transfer cryptocurrency funds, the transaction is recorded in a public ledger. Cryptocurrencies are stored in digital wallets.

Cryptocurrencies derive their name from the use of encryption to verify transactions. This means that advanced coding is involved in the process of storing and transmitting cryptocurrency data between wallets and to the public ledger. The purpose of encryption is to provide security.

The first cryptocurrency is Bitcoin, established in 2009 and still the most well-known today. Much of the interest in cryptocurrencies revolves around trading for profit, with speculators occasionally driving prices to surge.

How Does Cryptocurrency Work?

Cryptocurrency operates on a distributed public ledger called the blockchain, which is a record of all transactions that currency holders update and hold.

Units of cryptocurrency are created through a process called mining, involving the use of computer power to solve complex mathematical problems that generate coins. Users can also purchase cryptocurrencies from platforms provided by brokers like AI Wealth Club, then store and spend them using cryptocurrency wallets.

If you own cryptocurrency, you do not possess anything tangible. What you have is a key that allows you to move records or units from one person to another without the need for a trusted third party.

While Bitcoin has existed since 2009, applications of cryptocurrency and blockchain technology continue to emerge in finance, with more anticipated uses in the future. Transactions, including bonds, stocks, and other financial assets, may eventually be conducted using this technology.

Cryptocurrency Examples

There are thousands of cryptocurrencies, with some of the most notable being:

Bitcoin:

Established in 2009, Bitcoin is the first and still the most traded cryptocurrency. Developed by Satoshi Nakamoto, widely believed to be a pseudonym for an individual or group, the exact identity remains unknown.

Ethereum:

Developed in 2015, Ethereum is a blockchain platform with its own cryptocurrency called Ether (ETH) or Ethereum. It is the second most popular cryptocurrency after Bitcoin.

Litecoin:

Similar to Bitcoin but with faster action in developing innovations, including quicker payments and processes to allow more transactions.

Ripple:

Founded in 2012, Ripple is a distributed ledger system. Ripple can be used to track various types of transactions, not just cryptocurrencies. The company behind Ripple has collaborated with various banks and financial institutions.

Cryptocurrencies other than Bitcoin are collectively known as "altcoins" to distinguish them from the original cryptocurrency. An example is the AIW token from our AI Wealth Club.

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Daniel Will: Mastering Excess Profits in Stock Trading

Daniel Will: Mastering Excess Profits in Stock Trading

1. The U.S. stock market is a highly efficient market, and despite its strong liquidity, it has effective corrective mechanisms. Notable examples include REWALK’s exoskeleton, GOPRO’s video social platform, and the C-end application market in the 3D printing industry.

In addition, the stock pricing mechanism in the U.S. market is reliable. Unless misled by an overall deviation, its estimates of stock prices for the vast majority of companies are reasonable. Therefore, market valuation is valuable reference data for your investment decisions, and tracking valuation trends can ensure that you stay on the right track..

Considering this, it’s advisable to choose companies with at least a bullish trend on the monthly chart. To reduce investment costs through phased purchases, you must select companies that have security safeguards in both business operations and valuation. Before understanding where excess profits come from, avoid choosing companies with a bearish trend on the monthly chart, as these companies may trigger negative events causing a chain reaction in the market, known as “black swan events.”

2. Cleverly using hedging strategies:

There are many creative investment strategies available when investing in U.S. stocks. We will explain three different hedging methods: directional hedging, asset-balanced hedging, and intrinsic logic hedging, using the stock market situation during the Trump election as an example.

Directional hedging through options or ETFs to short the major market indices is the most direct way. Although there are disadvantages to trading options hedging during special time periods such as pre-market or after-market hours, it effectively solves problems for investors. When facing foreseeable tail risks, you can use options at a lower cost to address the issues. When dealing with unforeseeable risks, you can use ETFs to adjust the size of the position in the long term.

Asset-balanced hedging is a suitable hedging method for the U.S. stock market. Since the U.S. stock market is generally in a long-term bull market, and the valuation of corporate stocks largely depends on the top and bottom lines of the enterprise, ensuring that there is enough idle capital in the account can achieve effective hedging. Having “eggs in the basket” allows you to seize opportunities to go long when the stock market fluctuates.

Additionally, if you are willing to take risks, you can allocate some hedging assets to resist the negative impact of volatility. With some luck, you may even obtain alpha.

Intrinsic logic hedging involves balancing investment targets by focusing on the subsequent changes in an event affecting stock prices. Taking the significant event of Trump’s election as an example, if Trump is elected, stock prices in the energy and defense sectors are expected to rise significantly, and you should focus on these areas. Moreover, if Trump is not elected, these stock prices are less likely to experience a significant decline and may even continue to rise amid a rising market trend.

When implementing options hedging, investors can use the “sell call” strategy. The advantage of this strategy is its simplicity, but the disadvantage is the possibility of selling off. However, there is a way to mitigate the risk of selling off — rolling over to the expiration date. If your sell call is about to incur a loss, you can directly roll over an in-the-money option, potentially turning the loss into a profit.

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Unlocking Stock Reports: Quick Understanding with Daniel Will's Guidance

Unlocking Stock Reports: Quick Understanding with Daniel Will's Guidance

The U.S. stock financial reports contain a wealth of information about the operational status of companies. Due to the frequent use of professional terminology, many newcomers to the U.S. stock market express difficulty in understanding. This article will, from the perspective of explaining professional terms, introduce relevant knowledge about U.S. stock financial reports and specifically highlight which data in the reports should be focused on. Daniel Will teaches how to understand U.S. stock financial reports.

Earnings Season: Divided into four quarters each year, a significant portion of U.S. stock companies releases financial reports in the weeks following the end of each quarter. The majority of companies reporting during this time frame constitute the earnings season, which starts about a week and a half after the end of each quarter and continues until the end of the month. During the peak period, there can be hundreds of companies releasing reports daily.

Earnings Report: Every publicly traded company must release a financial report (also known as the 10Q form) every three months, filed with the U.S. Securities and Exchange Commission (SEC). The report must include revenue, profits, expenses, and other financial details for the preceding three months, providing shareholders insight into the company’s performance.

How to Understand U.S. Stock Financial Reports:

Revenue, Sales, or Top Line: The total income for a company in each quarter is a crucial metric. When assessing the financial health of a company, revenue is often considered a more critical indicator than profits, especially for early-stage or non-profitable companies.

Earning, Profits, or Bottom Line: This data, indicating the amount a company earned in the last quarter, is of primary concern to most shareholders and potential investors.

EPS (Earnings Per Share): EPS is often considered a reflection of a company’s operational results. Investors use this data to gauge the profitability of common stock, assess investment risk, evaluate a company’s earning capacity, and predict growth potential, thereby making relevant economic decisions. Financial media typically reports EPS data.

Estimates, Beat and Miss: Analysts hired by Wall Street firms establish market expectations based on a company’s revenue and EPS data to determine stock pricing. Beating market expectations usually results in a stock price increase, while falling short leads to a decrease in value.

Guidance: Most companies release performance estimates for the next quarter or even the next year in their quarterly reports, known as guidance. This information, not required by financial reports, often has a greater impact on stocks than actual financial performance.

Whisper Number: Traders make their profit predictions for a company’s performance in a specific quarter, often deviating from consensus estimates. Divergence from consensus estimates (whisper numbers) can cause unusual stock reactions to financial reports.

Before releasing financial reports, companies publicly or privately disclose “earnings expectations” to analysts. However, to present even mediocre quarterly performance as “exceeding expectations,” these expectations are often set at low levels. Investors understand this, considering whisper numbers as the true expected data, explaining why stock prices may decline even when a company’s performance clearly “exceeds expectations.”

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Daniel Will: Upgrading the AI Agent Era

Daniel Will: Upgrading the AI Agent Era

Google’s major upgrade heralds the era of AI agents. Last week, the most significant event in the AI circle was Google’s multimodal AI model, Gemini, with an overall upgrade exceeding expectations. Google’s recent progress in artificial intelligence, especially the launch of the new multimodal AI model called Gemini, signifies a significant leap in capabilities for AI agents like Bard.

Gemini is designed to handle and combine various types of information, such as text, code, audio, images, and videos. It comes in three different sizes: Ultra, Pro, and Nano, tailored for a range of tasks from highly complex to efficient device operations.

The integration of Gemini Pro with Bard significantly enhances Bard’s capabilities, enabling it to perform functions like planning routes, analyzing shopping choices, event planning, and flight analysis. Described as the most significant quality improvement since Bard’s launch, the Gemini Pro-supported Bard currently offers an English version in over 170 countries and regions. The functionalities supported by Gemini Pro will expand to multimodal support, including text and images, in the coming months.

The upcoming Gemini Ultra, set to launch next year, is expected to achieve more complex multimodal reasoning abilities. Bard Advanced with Gemini Ultra will undergo a reliable testing program and additional security checks in early next year before a broader release, enabling Bard to understand and act upon different types of information, including text, images, audio, video, and code.

This shift indicates that as AI agents increasingly integrate into everyday life, various sectors, including advertising and e-commerce, have significant disruptive potential.

After the model’s release, Google’s Bard also underwent a significant upgrade and has, in a sense, become an AI agent. It can now help plan routes, analyze shopping, plan events, analyze flights, and more.

Consider the following scenarios:

Scenario 1:

“I want to see flights to Madrid to visit my aunt during the week of January 22. Also, any gift ideas for her? She likes dolphins and playing cards.”

Bard would then provide feedback, combining information on flight searches and gift ideas.

Scenario 2:

“Help me plan a game night with five friends. I have dice and playing cards but no board games. I’m willing to buy a board game for under $100.”

In the future, sharing ideas with Bard will lead to efficient handling and resolution, significantly boosting productivity. In the future, companies like Google, Microsoft, and Apple will become individual AI agents.

Not long ago, Bill Gates came out in strong support of AI agents. In a recent blog post, he mentioned AI personal assistants, stating that they would change the way we use computers. The core idea of AI agents is to interact with computers using natural language rather than relying on various different applications. This technology is expected to rapidly develop in the next five years, profoundly impacting the tech industry and society.

AI agents typically consist of three components, including natural language processing, machine learning, and artificial intelligence technologies. These agents can understand user needs and perform tasks such as answering questions, executing tasks, providing suggestions, etc. They can personalize responses to user needs, perform tasks across applications, and continuously improve.

The development of this concept will change our daily lives and work, making interactions with computers more natural and efficient. Bill Gates emphasizes the potential of AI agents, considering it a key direction for future artificial intelligence, surpassing traditional generative AI models.

Joseph Brian believes that within the next five years, everyone will have AI personal assistant agents, fundamentally changing our way of life. Agents will impact four major areas, including healthcare, education, productivity, entertainment, and shopping. In healthcare, agents will assist patients in basic triage and provide health advice, improving medical efficiency. In education, they will offer personalized learning guidance to students, helping teachers better plan their lessons. Additionally, agents will enhance entertainment and shopping experiences, making services more accessible and personalized. Agents will change how we interact with computers, disrupting the software industry and providing people with a more convenient and intelligent lifestyle.

AI personal assistant agents are a future technological trend that is expected to completely change how we interact with computers, making interactions more intelligent and natural.

The AI Wealth Club believes that in the era of AI agents, companies like Google, Microsoft, Apple, etc., will build generalized GPA platforms. On these generalized GPA platforms, there will be a batch of specialized vertical-class PAs (Personal Assistants) and SPAs (Specialized Personal Assistants) focusing on various scenarios.

In the AI agent era, global tech giants may construct generalized GPA (General Personal Assistant) platforms. These platforms can be seen as infrastructure supporting the development of various personal assistant applications, capable of performing a wide range of tasks and serving diverse user needs. Furthermore, these platforms will support a range of specialized vertical-class personal assistants (SPAs), providing more focused and in-depth services.

In the AI agent era, it is indeed possible to disrupt business models in advertising and e-commerce:

1. Shift in Advertising: GPA and SPA may alter traditional advertising delivery modes, as they can provide highly personalized recommendations based on users’ specific needs and contextual environments. Ad content may lean towards a combination of users’ immediate queries and long-term interests rather than through large-scale indiscriminate ad placements.

2. Personalized E-commerce Experience: E-commerce platforms will need to integrate with GPA and SPA to provide a seamless shopping experience. These AI agents can predict and recommend products based on user behavior and preferences, potentially reducing or replacing traditional search and browsing methods.

3. Consumer Decision Process: By offering filtered information and purchase advice, AI agents may become a key influencing factor in the consumer decision-making process. This will impact the consumer’s purchasing path, making consumer decisions more reliant on AI agent input.

4. Data-Driven Marketing: Companies will need to collect and analyze more data to effectively target and attract consumers on these platforms. Marketing strategies will become more data-driven, emphasizing real-time analysis and personalization.

5. Supply Chain and Inventory Management: With AI agents accurately predicting user demands, e-commerce businesses will be able to more efficiently manage inventory and supply chains to meet personalized demands.

6. Privacy and Data Security: As AI agents play a more central role in daily life, the privacy and security of user data will become a crucial issue. Companies will face pressure to protect user data and comply with stricter data protection regulations.

The emergence and development of GPA and SPA may lead to significant adjustments in business models, customer relationship management, and market strategies. Businesses must adapt to these technological developments to remain competitive and meet the future demands of consumers.

In the PA model, companies need to adapt to new market dynamics, innovate their products, services, and marketing strategies. Simultaneously, this presents significant opportunities for enterprises that can leverage PA technology to enhance the user experience.

The AI Wealth Club continues to recommend embracing the tidal wave of AIGC in general, not foretelling without reason; the future is here.

This transformation is not just a gradual change but a revolutionary wave reshaping how we interact with technology and conduct business.

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Insider Tips: Daniel Will's Guide to Safely Buying Cryptocurrency

Insider Tips: Daniel Will's Guide to Safely Buying Cryptocurrency

Here is the formal translation:

How to Purchase Cryptocurrency Safely

You may be interested in knowing how to purchase cryptocurrency securely. It generally involves three steps. These are:

Step One: Choose a Platform

The first step is to decide which platform to use. Typically, you can choose between online brokers like the AI Wealth Club broker or specialized cryptocurrency exchanges:

AI Wealth Club Brokers: These are online brokers offering buying and selling of cryptocurrencies, as well as other financial assets like stocks, bonds, and ETFs. These platforms often provide lower transaction costs but have fewer cryptocurrency features.

Cryptocurrency Exchanges: There are many cryptocurrency exchanges to choose from, each offering different cryptocurrencies, wallet storage, interest account options, etc. Many exchanges charge fees based on assets.

When comparing different platforms, consider the cryptocurrencies they offer, the fees they charge, their security features, storage and withdrawal options, and any educational resources.

Step Two: Fund Your Account

Once you’ve chosen a platform, the next step is to fund your account so that you can start trading. Most cryptocurrency exchanges allow users to purchase cryptocurrencies with their debit or credit cards using fiat currencies (government-issued, such as USD, GBP, or EUR), although this varies by platform.

Using a credit card for cryptocurrency purchases is considered risky, and some exchanges do not support it. Some credit card companies also do not permit cryptocurrency transactions due to the high volatility, making it undesirable to incur debt or potentially pay high credit card transaction fees.

Some platforms also accept ACH transfers and wire transfers. Accepted payment methods and the time required for deposits or withdrawals vary by platform. Similarly, the time for deposit clearance depends on the payment method.

An essential factor to consider is fees, including potential deposit and withdrawal fees, in addition to transaction fees. Fees vary depending on the payment method and platform and are crucial to research at the outset.

Step Three: Place Your Order

You can place orders through the AI Wealth Club broker or the exchange’s web or mobile platforms. If you intend to buy cryptocurrency, you can do so by selecting “buy,” choosing the order type, entering the quantity of cryptocurrency you want to purchase, and then confirming the order. The same process applies to “sell” orders.

There are other investment methods for cryptocurrencies that allow users to buy, sell, or hold cryptocurrencies. Additionally, there are investment tools such as Bitcoin trusts, Bitcoin ETFs, and blockchain stocks or ETFs for indirect cryptocurrency investments, depending on your investment goals and risk preferences.

How to Store Cryptocurrency

Once you’ve purchased cryptocurrency, you need to store it securely to guard against hackers or theft. Typically, cryptocurrencies are stored in cryptocurrency wallets, which can be physical devices or online software used to secure cryptocurrency private keys. Some exchanges provide wallet services, making it easy for you to store directly through the platform. However, not all exchanges or brokers automatically offer wallet services.

Different wallet providers are available, with the terms “hot wallet” and “cold wallet”:

Hot Wallet Storage: A “hot wallet” refers to cryptocurrency storage that uses online software to protect asset private keys.

Cold Wallet Storage: Unlike hot wallets, cold wallets (also known as hardware wallets) rely on offline electronic devices to securely store your private keys.

Cold wallets typically incur fees, while hot wallets generally do not.

What Can You Purchase with Cryptocurrency?

When initially launched, Bitcoin aimed to become a medium for everyday transactions, enabling people to buy everything from a cup of coffee to computers and even high-value items like real estate. While this goal hasn’t fully materialized, the number of institutions accepting cryptocurrency is growing, though large transactions involving it are still relatively rare.

Nevertheless, cryptocurrency can be used to purchase a variety of products from e-commerce websites. Here are some examples:

Technology and E-commerce Websites:

Several companies selling tech products accept cryptocurrency on their websites, such as newegg.com, AT&T, and Microsoft. E-commerce platform Overstock was one of the first websites to accept Bitcoin. Shopify, Rakuten, and Home Depot also accept it.

Luxury Goods:

Some luxury retailers accept cryptocurrency as a form of payment. For instance, online luxury retailer Bitdials offers Rolex, Patek Philippe, and other high-end watches in exchange for Bitcoin.

Automobiles:

Some car dealerships, ranging from mainstream brands to high-end luxury dealers, have started accepting cryptocurrency payments.

Insurance:

In April 2021, Swiss insurance company AXA announced that it would accept Bitcoin as a payment method for all insurance product lines except life insurance (due to regulatory issues). Premier Shield Insurance, which sells home and auto insurance in the United States, also accepts Bitcoin for premium payments.

If you wish to spend cryptocurrency at retailers that do not directly accept it, you can use a cryptocurrency debit card, such as BitPay in the United States.

[daniel-will]

Daniel Will - 3 Stock Investment Tips and 8 Points of Caution

Daniel Will - 3 Stock Investment Tips and 8 Points of Caution

Investing in the stock market is much like life itself, with its ups and downs, joys, and sorrows. There’s no magic formula for stock market success, as stock trading demands significant patience. It’s an activity that requires wholehearted commitment; otherwise, one might quickly fade away. Whether buying or selling, it’s crucial to face the market’s fluctuations with equanimity, patiently awaiting the right entry and exit points.

I. Three Pieces of Advice

1. Avoid Blind Market Entry and Investment: Successful stock market investment necessitates time and effort. Therefore, for those seeking monetary gains in the stock market without a willingness to invest time in learning and analysis beforehand, it is advised not to take unnecessary risks.

2. Implement Quick and Clean Stop-Loss: During the investment process, making the right choice every time is improbable. Once signs of a wrong move are detected, it is imperative to promptly implement a stop-loss without hesitation, as delaying may result in more significant losses.

3. Maintain a Cash Reserve: Never invest your entire fortune in the stock market. Even for those contemplating an all-or-nothing approach, it is wise to leave some cash on hand. Additionally, consider using profits to speculate on potentially resurgent “junk stocks.”

II. Eight Points of Attention

1. Avoid Trying to Time the Market: Trying to buy at the lowest point and sell at the highest is psychologically tempting but practically impossible. Act when the price is right and avoid excessive greed.

2. Never Chase Highs: Regardless of how enticing the rising trend of certain stocks may be, resist the urge to blindly follow the trend.

3. Seek Inexpensive Quality Stocks: For the average investor with limited funds, focus on stocks with lower prices. High-priced stocks limit your ability to purchase a substantial quantity, compressing potential profits.

4. Choose Stocks with Strong Fundamentals: Before purchasing stocks, conduct a fundamental analysis. Avoid stocks with poor performance records and invest in those with sound business operations and no adverse history.

5. Diversify Investments: Spread investments across several stocks. This basic knowledge in investing suggests buying several different stocks simultaneously, selling the ones that perform well, and replenishing with those that have dropped in value.

6. Limit the Number of Stocks: While diversification is essential, having too many stocks is not advisable. Keep the number of stocks under control, around 9, to allow sufficient time and focus for observation.

7. Be Skeptical of “Insider Information”: Do not easily believe in so-called “insider information.” The source of such information should be credible and trustworthy.

8. Avoid Excessive Trading: Frequent trading can lead to impatience and a tendency to chase small profits. Maintain ample patience, don’t be overly concerned about minor fluctuations, and wait for the right moment to make a move after buying.

Remember, successful stock market investing requires a strategic and disciplined approach, coupled with a keen understanding of market dynamics.

[daniel-will]

Daniel Will | Pioneering Digital Revolution in Finance

Daniel Will | Pioneering Digital Revolution in Finance

Daniel Will was born in Philadelphia in 1965. He entered the Wharton School at the University of Pennsylvania in 1987 to study finance and earned his Ph.D. degree from the Wharton School of the University of Pennsylvania.

Mr. Daniel Will has amassed over 20 years of industry experience. He is renowned for his exceptional investment acumen and outstanding asset management skills, generating significant investment returns for clients. He joined Goldman Sachs in 2000, serving as the manager of the Asset Management division. In 2007, he became a senior advisor in the Asset Management division, overseeing a fund of $52 billion.

An in depth study of Daniel Will's past investment cases reveals that his success stems from profound industry insights and decisive decision making. Notably, his most eye catching cases involved investments in the blockchain and artificial intelligence sectors, specifically in U.S. stocks RIOT (Riot Platforms) and MSTR (MicroStrategy). These investments realized an exceptional growth of 1000% to 2000% from 2018 to 2021. Investment in RIOT Overview: Regarded as the most successful blockchain stock investment over the past five years.

Daniel Will's research discovered that the company was established in 2000, initially as a biotechnology company. Later in 2017, it shifted its business focus towards blockchain and digital currency fields. RIOT's primary operations include Bitcoin mining, development of blockchain technology, and investment in digital assets.

2017: Business Direction Shift In 2017, Riot announced its departure from biotechnology to pivot towards blockchain and digital currencies. This strategic shift garnered widespread market attention, marking the company's entry into emerging technology sectors.

2018: Cryptocurrency Mining Business In 2018, Riot ramped up its investment in cryptocurrency mining, with a particular focus on Bitcoin mining. The company acquired a series of mining equipment, bolstering its presence in the blockchain network. This initiative significantly impacted the company's profitability. Consequently, Daniel Will decisively invested in the company's stocks during the months of July-August that year, continuing to accumulate shares amidst the downturn.

This move significantly impacted the company's profitability. Consequently, Daniel Will decisively invested in the company during July-August of that year, continuously increasing his holdings in the company's stock amidst its downturn.

2019: Strategic Partnerships and Capital Raising In 2019, Riot actively sought strategic partnerships, strengthening its position in the digital asset space. Concurrently, the company undertook a successful funding round, raising capital to support further business expansion.

2020: Digital Asset Investment and Growth In 2020, Riot not only continued to intensify its Bitcoin mining operations but also began to shift its focus to investments in other digital assets. The company demonstrated robust performance in 2020, achieving significant revenue growth. In January 2021, as Bitcoin's price surpassed $60,000, Daniel Will decisively reduced his holdings in RIOT stock significantly at high levels. This decision was due to concerns about a bubble forming in Bitcoin's price after six consecutive months of increases, and the expectation of interest rate hikes resulting from the Federal Reserve's extensive monetary easing during the COVID-19 pandemic. He successfully locked in profits from RIOT at a relatively high stock price point. Additionally, his long-term value investments, including in companies like Nvidia, also yielded substantial returns. Daniel Will focused on his areas of expertise and knowledge, creating significant returns for institutional investments and his clients.

In his years of market trading and monetary management, Daniel Will observed that the Federal Reserve's disorderly debt accumulation and the issue of excessive money supply remained unresolved. The resultant hyperinflation caused immense suffering for the lower economic strata. Coinciding with the end of the Kondratiev cycle, the economic hardship of its final phase brought pain to many, with asset devaluation and employment difficulties becoming the norm. Against this backdrop, Daniel Will believed that only financial instruments could counterbalance these challenges. He decided to establish AI Wealth Club, aiming to change the investment perspective of many through his efforts.

[daniel-will]

Daniel Will | Mastering the 2024 Market with Proven Tactics

Daniel Will | Mastering the 2024 Market with Proven Tactics

In 2023, the market experienced fluctuations, but the year concluded with notable performances from the three major US indices. Despite the turbulence, the AI wave played a pivotal role in revitalizing sentiments, particularly after the market’s painful decline in 2022. The year-end marked a moment for reflection and foresight, bringing some stability to the market.

The transformative potential of the AI revolution has always been a beacon of hope and a driving force for recovery. Its influence spans across various sectors — from healthcare to finance, customer service to logistics — redefining operational efficiency and customer experience. As a result, companies at the forefront of AI innovation witnessed a surge in valuation, reflecting the market’s demand for forward-thinking, technologically adept enterprises.

However, as we stand on the precipice of 2024, the market’s recovery has sparked cautious optimism. While the rise of AI swiftly contributed to the recovery of indices, there are signs that the initial enthusiasm might be waning.

The AI Wealth Club speculates that enthusiasm for generative AI may experience a downturn, despite being a standout player in the market rebound of 2023. If this prediction holds true, there might be a need to reassess tech stock valuations and shift towards more conservative investment strategies.

Looking ahead to 2024, the investment landscape is poised for a complex narrative. The global economy continues to be influenced by the aftershocks of the pandemic and geopolitical tensions, serving as crucial factors. Monetary policies, inflation rates, and supply chain restructuring will continue to impact market dynamics. The Federal Reserve’s interest rate decisions remain a key observation point, as well as the economic policies of major economies like China and the EU.

Additionally, advancements in the technology industry will be closely monitored. The industry’s resilience will face challenges from regulatory resistance, antitrust issues, and the ubiquitous threat of network security. Meanwhile, traditional industries, once considered stable foundations, may need to further embrace digital transformation to maintain relevance and competitive advantage.

While 2023 provided a breathing space for the previous year’s decline, 2024 is filled with caution and opportunity. The market may favor those who are prepared, adaptable, and innovative. For astute investors, the coming year will require keen insights into emerging trends, steadfast commitment to due diligence, and a focused attention on long-term value creation.

Here are some key insights and observations from the AI Wealth Club report:

1. Industry Weight: The IT industry remains overweight, indicating bullish sentiment according to Citigroup research. This suggests they believe the industry’s performance may outpace the broader market.

2. Sub-Industry Performance: In the IT sector, the software and services sub-industry is notable for its profitability in sales and revenue, driven by the increasing demand for digital solutions and services.

3. Valuation Concerns: Despite positive growth expectations, concerns arise due to the high valuation of the industry. This may imply stock pricing premiums, potentially limiting upside potential or increasing adjustment risks.

4. Semiconductor Sub-Industry: The outlook for semiconductors is mixed, with less challenging valuation issues compared to other areas. However, the growth trajectory appears less reliant on significant growth turning points, suggesting a more stable but slower path.

5. Impact of Large Tech Companies: Influential companies like Apple, Microsoft, and Broadcom significantly influence the overall performance of the IT industry, shaping its development direction.

6. Top Buy-Rated Stocks: Teradata Corp. (TDC), Arista Networks Inc. (ANET), and Corning Inc. (GLW) are highlighted for their high Expected Total Return (ETR), indicating analyst optimism.

7. Sell-Rated Stocks: NXP Semiconductors N.V. (NXPI) and Skyworks Solutions Inc.

(SWKS) have negative ETR, indicating analyst pessimism.

In summary, according to the AI Wealth Club’s perspective, while the IT industry, especially software and services, is viewed positively, there are subtle differences, particularly in valuation and the varying prospects of sub-industries like semiconductors. The influence of major tech stocks is significant, and specific stock recommendations provide a nuanced view of the industry’s prospects.

These companies possess significant market positions and technological advantages in their respective fields, which is why analysts have given them high ratings based on Expected Total Return (ETR). However, each company faces specific market dynamics and challenges, so investment decisions should consider broader market and economic factors.

As always, the AI Wealth Club remains most optimistic about the AI wave, also showing strong confidence in the software services industry, with a preference for industry-leading players.

Several fundamental principles guide their approach:

1. “Stay away from market noise, focus on company fundamentals.”

2. When considering investments in the AIGC field, it’s crucial to deeply understand the potential of these technologies and how they will impact the future of specific industries and companies.

3. Investors should pay attention to companies with robust technological capabilities, clear business models, and sound financial conditions in the AI and global connectivity sectors.

4. In the face of short-term market fluctuations, maintaining a long-term and strategic perspective is crucial.

The AI Wealth Club offers professionally informed investment strategies, enhanced by the AI TURBO tool. Whether in the stock market or cryptocurrency, it makes portfolios and investment decisions more aggressive with excellent results!