The year of the Horse has finally arrived with all its fiery glory, and already I've been experiencing the forces of tumultuous change occurring in my life.
The first change is that I've already completed 10 music lessons, and my singing has improved a little bit. But there have been many new initiatives and changes to my course materials, so I have to stop singing lessons for a while and instead hunt for a voice-confidence course that's more applicable to a trainer. My goal of competing at Golden Age Talentime is still there, but I want to explore this field more randomly and don't really want to pursue it the same way as my other initiatives. I think I've earned the right to be a little frivolous with this.
The second change is that financial markets have already exceeded my expectations for the entire year of 2026. One of the things I've promised myself during the pandemic crash of 2020 is that I will begin treating a market melt-up like a market melt-down, and I will make seriously drastic changes to the portfolios I have with the same urgency as during a market crash. Expect these moves to occur when STI hits PE x16 or 5,200, whichever comes first. I will likely close all my ERM portfolios and re-establish positions in extremely low-volatility large caps. I will also increase the allocation to my All-Weather Portfolio, which is designed to have an extremely low standard deviation in trying times.
You heard it here first: At 5,200 or x16 PE, my Early Retirement Masterclass may come to an end.
I will take some profit off the table. Take an extended break, and go do some travelling. And I will return with a different kind of program for a different market regime that emphasizes bottom up investigation of local stocks and concentrated stock holdings. I assure my community that the FB group will undergo slight changes, a new course will be born, and the current alumni privileges will not be affected.
The third change is simply that AI is happening too fast for me or anyone to catch on, so further changes are already transforming my program into something that is different even from previous runs. I'm already studying how to compile all my investing wisdom into a Markdown file so my student can analyse stocks with just one prompt instead of many. In a matter of months, I might even have to build a Clawbot to do fundamental backtesting for me on Quants Cafe. If the authorities can build an AI proficiency ladder, I might have to stop everything to climb it later this year.
Maybe there is a silver lining to all this Chaos in the Year of the Fire Horse.
The silver lining is that as changes accelerate, no one can claim to be an AI expert; there is no competitive advantage. The video I have put up using Grok is already yesterday's news, as folks become enamoured with Seedance 2.0.
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