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
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
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
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
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
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
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
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
00548
Why are QQQI’s dividends stable and secure? The key is not dividend distribution, but asset allocation and human nature management
Long
Why are QQQI’s dividends stable and secure? The key is not dividend distribution, but asset allocation and human nature management
A wide-ranging discussion of a no-forecast investing stance, cross-border account setup, QQQI distributions, AI tools, social energy, humanity's future with AI, and living happily.
2:50:23
00627
Securities-Backed Lending Does Not Always Require Leveraged Funds
Short
Securities-Backed Lending Does Not Always Require Leveraged Funds
The video revisits why leveraged funds were paired with securities-backed borrowing, then explains how holding over 30% cash can make leverage optional and support rebalancing.
4:43
00627
Keys to Retirement Planning: Understanding Assets, Liabilities and Net Worth
Short
Keys to Retirement Planning: Understanding Assets, Liabilities and Net Worth
A couple reports NT$76 million in total assets, including NT$5 million of securities-backed debt, and asks whether retirement planning should use total assets or net worth.
4:22
00627
Replace less than 1% of insurance policies with long-term cash flow growth
Short
Replace less than 1% of insurance policies with long-term cash flow growth
A listener reviews premiums, payouts, surrender values, and coverage across three paid-up policies; the speaker compares capital efficiency and argues for index investing after surrender.
5:11