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How Do You Invest a 2 Million Mortgage? Drop Sub-Brokerage and Switch to an Asset Allocation With 00662 and 00865B
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00535

How Do You Invest a 2 Million Mortgage? Drop Sub-Brokerage and Switch to an Asset Allocation With 00662 and 00865B

A 45-year-old couple has NT$1.52 million available after a NT$2 million mortgage increase and asks about a 00662 and 00865B allocation plus the difference between 00865B and 00864B.

Published
Sep 4, 2025
Total duration
5:52
Source
CLEC Investment & Wealth

Categories

  • Short

Video Overview

Both spouses are 45, with children aged six and eleven. Their combined monthly income is about NT$100,000, household spending is about NT$70,000, and the original mortgage payment is NT$8,327, with roughly NT$490,000 remaining at the end of June. They also make periodic Taiwan-stock investments and hold about US$60,000 overseas. A mortgage increase of NT$2 million carries a 2.6% rate, a three-year grace period, and a 30-year term. After repaying NT$480,000, NT$1.52 million remains for investment. The proposed mix is transcribed as 40% in 00662 and two separate 30% entries both labeled 00865B, so this page does not silently correct a possible recognition error. The speaker calls for consolidating other ETFs and sub-brokerage holdings, then using his 433, 514, or 424 framework. He also contrasts 00865B and 00864B by distribution and reinvestment behavior; the product and tax claims are not independently verified in the video.

Key Takeaways

  • The couple earns about NT$100,000 per month, spends about NT$70,000, has two children, and had about NT$490,000 left on the mortgage in June.
  • The NT$2 million mortgage increase has a 2.6% rate, three-year grace period, and 30-year term, leaving NT$1.52 million after repayment.
  • The transcript lists 40% in 00662 and two 30% entries both named 00865B, so the possible product-code error is preserved rather than guessed.
  • The speaker proposes consolidating other ETFs and sub-brokerage assets into a 433, 514, or 424 framework and compares 00865B with 00864B by distributions and reinvestment.

Chapters

About 00:00:29 · Household cash flow and current investments

The writer lists the couple's ages, children, monthly finances, mortgage balance, periodic investing, and overseas assets.

About 00:01:19 · The NT$2 million mortgage increase

The video gives the rate, grace period, term, and the NT$1.52 million remaining after the old balance is repaid.

About 00:01:36 · Allocation-code and fund questions

The writer presents the 00662 and duplicated 00865B entries and asks how 00865B differs from 00864B.

About 00:02:56 · The speaker's consolidation proposal

He proposes selling other ETF and sub-brokerage holdings, applying 433, 514, or 424, and comparing the two bond ETFs by distribution method.

Related Topics

mortgage increase, household cash flow, 00662, 00865B, 00864B, sub-brokerage investing, 433 allocation, ETF distributions

This page was prepared with AI from selected portions of the video's audio to help readers understand the main topics. It may omit secondary material or contain transcription errors; the original video remains authoritative.

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