Mindless Rebalancing Doesn't Mean You're Not Smart: Practice and Mindset for an 80/20 Allocation with Leveraged Funds

Video Overview

The couple borrows NT$5.46 million at 2.65% for 20 years, with monthly payments around NT$45,000. They reserve NT$460,000 as an emergency fund and invest the remaining NT$5 million in an 80:20 mix: about NT$4 million in 00662 and NT$1 million in 00865B. The video describes portfolio beta as approximately 0.8. The writer asks whether a portfolio without a leveraged fund still needs the channel's “smart” rebalancing and whether her 19-year-old daughter should buy 00662 or 00670L. The speaker favors mechanical rebalancing back to 80:20 on a fixed annual date without market judgment. For the daughter, he favors building an unleveraged 00662 base before gradually considering a small 00670L position.

Key Takeaways

The couple borrows NT$5.46 million, reserves NT$460,000, and allocates the remaining NT$5 million in an 80:20 mix.
The investment is about NT$4 million in 00662 and NT$1 million in 00865B, with stated beta around 0.8.
For a portfolio without leverage, the speaker says to mechanically restore 80:20 once per year.
For the 19-year-old daughter, he favors starting with 00662 before gradually considering a small 00670L position.

Chapters

About 00:00:16 · The loan and 80:20 allocation

The video lists the loan terms, emergency reserve, and amounts assigned to 00662 and 00865B.

About 00:01:28 · Mechanical rebalancing without leverage

The speaker proposes restoring the stock and cash weights annually without judging market levels.

About 00:02:29 · Build an unleveraged base for the daughter

The video starts with 00662 and adds 00670L only after assets and tolerance for volatility develop.

80:20 allocation, 00662, 00865B, mechanical rebalancing, 00670L, emergency reserve, borrowed investing, young investors

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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Video Overview

Key Takeaways

The couple borrows NT$5.46 million, reserves NT$460,000, and allocates the remaining NT$5 million in an 80:20 mix.
The investment is about NT$4 million in 00662 and NT$1 million in 00865B, with stated beta around 0.8.
For a portfolio without leverage, the speaker says to mechanically restore 80:20 once per year.
For the 19-year-old daughter, he favors starting with 00662 before gradually considering a small 00670L position.

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