Video Overview

The video opens by saying that a retired person who is not using securities-backed borrowing and needs portfolio withdrawals should use an 80/20 allocation. A reader then asks for a friend with about TWD 16 million in total assets but only about TWD 280,000 in 00864B whether part of 00662 can be sold to reach 80% 00662 and 20% 00864B. The speaker agrees, calls this a safe retirement allocation, and says 2% of assets can be used each year. The speaker also proposes 40/30/30 and 40/40/20 allocations for employed investors and calls for immediate market-price transactions. The ratios, safety, withdrawal rate, and timing are unverified speaker claims, not guarantees or advice from this site.

Key Takeaways

• The reader reports about TWD 16 million in assets and only about TWD 280,000 in 00864B, asking whether some 00662 can be sold to create an 80/20 allocation.
• For retirees not using securities-backed borrowing who need portfolio withdrawals, the speaker calls 80% 00662 and 20% 00864B safe and says 2% can be spent annually; safety and withdrawal claims are unverified.
• The speaker also proposes 40/30/30 and 40/40/20 working-year allocations and immediate transactions; these are unverified operational views.

Chapters

About 00:00:16 · A New Investor's Allocation Question

The reader describes a friend's total assets, 00662, and small 00864B position, then asks whether sales could create an 80/20 allocation.

About 00:00:57 · Retirement Allocation and Withdrawal Claims

The speaker approves the change, calls the 80/20 mix safe, and says 2% may be used annually; those judgments are unverified.

About 00:01:16 · Working-Year Allocations and Immediate Trading

The speaker gives two mixes using 00662, 00670L, and 00864B and urges immediate transactions; this is not advice from this site.

Related Topics

retirement allocation, 00662, 00670L, 00864B, portfolio withdrawals, new investors