Video Overview

The 73-year-old writer says she began allocating more than 7 million on an 80/20 basis earlier this year and owns two older homes. She asks whether monthly national pension payments should go into 00662 or 00865B, whether an asset-backed loan equal to 2% a year can fund living expenses, and whether an unsecured or property-backed loan could avoid a home sale. James discusses moving the allocation toward 70/30 and illustrates 2% annual borrowing as 140,000. He also warns that a property loan requiring principal repayment would carry high risk at her age. This is a response to one case, not advice from this site.

Key Takeaways

• The 73-year-old writer holds 00662, 00864B, 0056, and two older homes and asks how to arrange living expenses and borrowing.
• James says the national pension payments could go into 00865B until the existing 80/20 allocation gradually reaches 70/30.
• Using more than 7 million in assets, he illustrates 2% annual borrowing as about 140,000 and says a property loan should run at least 20 years with interest-only payments rather than principal repayment.

Chapters

About 00:00:15 · The writer's assets at age 73

She describes an 80/20 allocation of more than 7 million, the ETFs she holds, and two older homes in Zhonghe and on Songjiang Road.

About 00:00:30 · Pension investing, pledged assets, and property loans

She asks whether to invest the national pension in 00662 or 00865B, borrow 2% annually for living costs, and use unsecured or property-backed borrowing instead of selling a home.

About 00:01:10 · A 70/30 allocation and repayment terms

James discusses gradually reaching 70/30, estimates 2% as about 140,000 a year, and warns that principal repayments on a property loan would create high risk.

Related Topics

retirement cash flow, 70/30 allocation, asset-backed borrowing, national pension, 00662, 00865B, property loans