See also MOETF [def]

Nearest to a time of xjl crunch(cashflow crunch), MOETF could hit a crash. I think this is one of G5 (or G3) reasons why most people hesitate about long-term commitment to the (risky) stock market.

— eg: when a family member hits a medical emergency
— eg: when a family member loses a job and needs to live off savings
— eg: During the years around age 30 (perhaps 25-35), most of us need liquidity for our xjl crunch. During this period, we tend to sell equity whenever we want to cut losses. This cohort lack patience, stamina or holding power. When these investors see a large (realized or unrealized) equity loss, they tend to regret investing such a large amount in such a risky asset. Therefore, it’s a challenge for this age group to buy-n-hold.

— eg: In our sunset years, we worry that we may not have the Sys2 resources to monitor MOETF. Some may experience that difficulty when they start to withdraw from retirement account, so they experience a xjl crunch. They find it difficulty to liquidate stocks to support retirement expenses.