00607
1 How to spend 3.3 billion? Get 433/424 right, spend 2.66 million per year, and have no worries about retirement and can still give away gifts
Short
1 How to spend 3.3 billion? Get 433/424 right, spend 2.66 million per year, and have no worries about retirement and can still give away gifts
A couple retiring in five years reviews about NT$133 million in assets, a NT$11 million mortgage, 424 versus 433 allocations, 2% annual use, and gifts to three daughters.
7:57
00607
Single retirement: 0056 to support life, 00662 to support the future—and how to choose a "supervisor"
Short
Single retirement: 0056 to support life, 00662 to support the future—and how to choose a "supervisor"
A single 49-year-old with about NT$30 million weighs 0056 for living costs, 00662 for growth, and a trust supervisor for long-term oversight without children.
5:22
00606
Raising a house is not as good as raising children: the truth about housing for retirement and retirement cash flow
Short
Raising a house is not as good as raising children: the truth about housing for retirement and retirement cash flow
The video contrasts buying a home with raising children, then models how a reverse mortgage could supplement cash flow for a retiree with NT$15 million.
2:52
00605
A turning point at the age of 50: Use 613 to go a long way, and only borrow the amount you can afford with your salary.
Short
A turning point at the age of 50: Use 613 to go a long way, and only borrow the amount you can afford with your salary.
A 50-year-old with about NT$15 million in assets weighs a 613 allocation against a NT$4.66 million personal-loan limit and asks how much salary can safely repay.
5:49
00605
Sell the house to unwind, save cash flow first: use 00662/00670L/00865B to reorganize your retirement
Short
Sell the house to unwind, save cash flow first: use 00662/00670L/00865B to reorganize your retirement
A near-retiree reviews NT$77.3 million in assets, NT$48.5 million in debt, rental income, and a plan to sell property, reduce debt, build reserves, and simplify investments.
6:23
00605
How much money do you need to retire? Calculate it clearly first, then you can relax your mind
Short
How much money do you need to retire? Calculate it clearly first, then you can relax your mind
An IC-design manager in his forties reviews NT$3.5 million after-tax income, a NT$19.8 million revolving mortgage, NT$25 million in assets, and ten-year retirement targets.
2:59
00605
The core of retirement cash flow: ensuring safety and maintaining peace of mind
Short
The core of retirement cash flow: ensuring safety and maintaining peace of mind
A 63-year-old retiree reviews high-dividend stocks, US$1 million in foreign bonds, deposits, insurance, pension income, and changing annual spending needs.
3:17
00604
Gambler’s mentality and family finances: Should we protect or let go?
Short
Gambler’s mentality and family finances: Should we protect or let go?
A case involving a partner's repeated futures speculation focuses on separating assets, stopping financial bailouts, setting boundaries, and assessing debt by repayment capacity.
4:22
00604
Retirement accounts cannot be pledged: sell the right house, make the right Roth, and pay a lot less tax
Short
Retirement accounts cannot be pledged: sell the right house, make the right Roth, and pay a lot less tax
A household with several properties asks which accounts can support securities-backed borrowing, which home to sell, and how staged Roth conversions fit the plan.
7:05
00604
Be sober at a young age: sell miscellaneous assets and focus on 433 and 00662
Short
Be sober at a young age: sell miscellaneous assets and focus on 433 and 00662
A young investor plans to sell scattered holdings, consolidate into a 433 framework, improve collateral quality with 00662, and invest NT$15,000 monthly.
3:37
00604
Sell your house for cash, pledge to create free cash flow
Short
Sell your house for cash, pledge to create free cash flow
A U.S. family reports about $16.05 million net worth, including roughly $12.2 million in property, $7.85 million liquid assets, and $4 million mortgages, with six properties but only about $50,000 annual rent.
5:10
00040
Market Fear and Asset Allocation for Wealth Building (English Audio) | CLEC
Topics
Market Fear and Asset Allocation for Wealth Building (English Audio) | CLEC
The video moves from lifestyle inflation and market fear to the speaker's case for broad-market index investing, then examines housing liquidity, mortgages, and how AI could reshape employment and wealth distribution.
7:31