00649
The necessary evil of a long-term perspective: the strategy of switching US stocks to Hong Kong stocks, inheritance tax considerations and the wealth inheritance thinking of intrinsic growth
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The necessary evil of a long-term perspective: the strategy of switching US stocks to Hong Kong stocks, inheritance tax considerations and the wealth inheritance thinking of intrinsic growth
A letter about moving from U.S. to Hong Kong stocks weighs unrealized losses, taxes, growth opportunity costs, U.S. estate-tax concerns, mortgage flexibility, entrepreneurship, and family values.
18:04
00649
Pay off the mortgage first after selling the house? Do pensions have to be paid?
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Pay off the mortgage first after selling the house? Do pensions have to be paid?
A 30-year-old in mainland China compares two public pension options and asks whether proceeds from an idle home should first repay a RMB300,000 mortgage at 3.2% or fund 513100.
17:17
00649
Pledge 2% for living expenses and reinvest the surplus: cash flow design for retirement at the age of 56
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Pledge 2% for living expenses and reinvest the surplus: cash flow design for retirement at the age of 56
A 47-year-old plans roughly NT$10 million in mortgage and 2.28% personal-loan funding, lifting assets to NT$44.3 million; the video models a 4-3-3 path to retirement at 56.
14:56
00649
Borrow safely even after 10 years of retirement: How to deal with the asset allocation of a single large pledged loan
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Borrow safely even after 10 years of retirement: How to deal with the asset allocation of a single large pledged loan
For a large one-time loan ten years into retirement, the video caps securities-backed borrowing at 10% of assets, requires twice the loan in cash, and compares 4-3-3, 5-1-4, and 4-1-5.
20:08
00648
Early retirement financial planning and asset allocation strategies for 50-year-old professionals
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Early retirement financial planning and asset allocation strategies for 50-year-old professionals
A 50-year-old considering early retirement reviews 401(k)-to-IRA transfers, Roth conversions, QLD and TQQQ, PAL borrowing, a US$1.41 million cash buffer, and concentration risk.
20:42
00648
From millions of losses to all investment mines, an investor’s psychology and wealth reconstruction journey
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From millions of losses to all investment mines, an investor’s psychology and wealth reconstruction journey
An investor's path from starting at 18 through the 2008 crisis, a 2021 eight-figure NT-dollar fraud, crypto collapses, and property disputes becomes a story of financial and psychological rebuilding.
22:04
00648
Thirty-year loan + high cash ratio: the most stable solution to maintain the bottom line of retirement
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Thirty-year loan + high cash ratio: the most stable solution to maintain the bottom line of retirement
A near-retirement case favors borrowing NT$6 million rather than using a NT$25 million limit, choosing a thirty-year loan, and combining 30-40% cash with 00662, 00670L, 00865B, and 2% borrowing.
23:49
00648
433 asset allocation, stability is better than short-term
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433 asset allocation, stability is better than short-term
The 433 allocation combines 40% core index exposure, 30% leveraged exposure, and 30% money market funds, with a simple six-month, three-month, three-month annual contribution cycle.
17:04
00647
Want to teach your significant other about investing? etc! 3 counter-intuitive advice from investment experts; and don’t fall into the relationship risk trap
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Want to teach your significant other about investing? etc! 3 counter-intuitive advice from investment experts; and don’t fall into the relationship risk trap
A business-owner partner with about NT$2 million is considering industrial land, prompting a discussion of market and relationship risks, demonstration, and small-scale learning.
16:36
00647
Don’t set up an investment company first: use “elderly’s own account + authorized management”, which is both transparent and tax-saving
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Don’t set up an investment company first: use “elderly’s own account + authorized management”, which is both transparent and tax-saving
Instead of forming an investment company for older relatives, the video examines personal accounts, demonstration, limited trading authority, separated withdrawal rights, and transparent records.
22:31
00647
The long-term planning of Chinese and Canadian families: TFSA is full first, RESP is changed to QQQ, Canadian currency is used HXQ TO
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The long-term planning of Chinese and Canadian families: TFSA is full first, RESP is changed to QQQ, Canadian currency is used HXQ TO
A China-Canada retirement case examines C$1.3-1.4 million in Canadian apartments, RMB2 million in cash, TFSA and RESP priorities, HXQ.TO, inheritance taxes, and geographic consolidation.
22:07
00647
Do Not Wait for 1.5 Million—Building Wealth Starts with Action
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Do Not Wait for 1.5 Million—Building Wealth Starts with Action
A retired couple need not wait for US$1.5 million before exploring a PAL: the source counts nearly US$900,000 in planned assets and models annual borrowing near 3%.
20:53