00630
What is the maximum amount of a single pledged loan?
Short
What is the maximum amount of a single pledged loan?
A single mother asks how to manage her son’s inherited ETF account, which grew from NT$3 million to about NT$6.5 million, including a 442 allocation and borrowing for an adulthood trip.
2:36
00630
Retirement Cash-Flow Choices: Reverse Mortgages, Flexible Mortgages, and 2% Securities-Backed Borrowing
Short
Retirement Cash-Flow Choices: Reverse Mortgages, Flexible Mortgages, and 2% Securities-Backed Borrowing
The video compares reverse mortgages, flexible mortgages, personal loans, and securities-backed borrowing for retirement cash flow, focusing on salary, monthly payments, a 2% model, and market risk.
4:41
00630
The myth of loans and high dividends: Stabilize the structure first, then talk about retirement freedom
Short
The myth of loans and high dividends: Stabilize the structure first, then talk about retirement freedom
A 44-year-old state-enterprise employee reviews roughly NT$42 million in financial assets, NT$43.6 million in property, and NT$41.9 million in debt while planning a staged move toward 433.
3:53
00630
Keep Investing Your Salary and Use Securities-Backed Loans for Spending
Short
Keep Investing Your Salary and Use Securities-Backed Loans for Spending
The video examines “the case topic” through the reported background, key figures, the speaker’s proposed approach, and limits requiring case-specific verification.
3:13
00629
Sell bad assets at market prices and buy them immediately at market prices
Short
Sell bad assets at market prices and buy them immediately at market prices
A 44-year-old Taipei mother reviews 33 Taiwan holdings, about NT$15 million in multicurrency cash, loans, a Japanese rental, and a retirement cash-bucket model using 00662 and 00865B.
5:12
00629
Don’t pledge, don’t go all-in: leaving one hand is the real safety
Short
Don’t pledge, don’t go all-in: leaving one hand is the real safety
Using NT$1 million in 00662, the video explains how pledging every share can reduce flexibility when lenders cut credit or markets fall, and why only enough collateral for planned borrowing may be preferable.
3:57
00629
Asset Reorganization: Use 433 to Take a Steady Retirement Path
Short
Asset Reorganization: Use 433 to Take a Steady Retirement Path
A 53-year-old civil servant with NT$700,000 annual salary, NT$500,000 spending, NT$3 million in holdings, NT$4 million cash, and a NT$1.5 million mortgage compares four allocation models.
2:54
00628
A classic home-buying ordeal
Short
A classic home-buying ordeal
A Taiwanese land-registration agent recounts buying four presale homes and one new home near a market peak, then facing falling income, roughly NT$300,000 in monthly mortgage payments, and years of illiquidity.
4:01
00628
Car loan vs. pledge: safety-first investment logic
Short
Car loan vs. pledge: safety-first investment logic
The video compares a seven-year car loan with securities-backed borrowing, using a NT$14,134 monthly payment to discuss fixed debt service, market volatility, collateral calls, and preserving invested capital.
2:34
00628
18% after retirement: pledge stocks to live a stable life
Short
18% after retirement: pledge stocks to live a stable life
A 67-year-old retiree with NT$10 million in stocks, a NT$15,000 monthly pension, and NT$30,000 in expenses models NT$180,000 of annual borrowing, a 1.8% draw, and passive rebalancing.
3:49
00628
15 years before retirement: transfer 130K to Roth every year, put leverage into Roth only, put cash into IRA
Short
15 years before retirement: transfer 130K to Roth every year, put leverage into Roth only, put cash into IRA
A 59-year-old retiree reviews an $110,000 Roth IRA, $870,000 Traditional IRA, and $1.6 million brokerage account while considering $130,000 annual Roth conversions for 15 years.
6:00
00627
The price of buying a house: When a monthly mortgage of 50,000 meets retirement cash flow
Short
The price of buying a house: When a monthly mortgage of 50,000 meets retirement cash flow
A 52-year-old contractor bought a home for about NT$16 million and expects a nearly NT$50,000 monthly mortgage; the video tests that commitment against retirement cash flow.
7:12