Video Overview
The video responds to a 34-year-old parent with roughly NT$8.5 million in assets. Before the child was born, the portfolio held 70% in 00662, 20% in leveraged ETF 00670L, and 10% in cash or short-duration bonds, with NT$20,000 added monthly. Rising childcare costs made those contributions harder to sustain. The speaker proposes a 40/30/30 mix of 00662, 00670L, and 00865B, annual rebalancing, and a 25%–35% band for the leveraged position. He also models borrowing 2% of NT$8 million in pledged assets, or about NT$160,000 a year, to support spending. These are high-risk, case-specific views.
Key Takeaways
- The writer is 34, has about NT$8.5 million in assets, and can no longer sustain the same NT$20,000 monthly contribution after childcare costs rose.
- The speaker replaces the 70/20/10 mix with 40/30/30 and proposes keeping the leveraged allocation within a 25%–35% band.
- The video models pledging NT$8 million and borrowing 2%, or about NT$160,000 per year, to supplement household cash flow.
Chapters
About 00:00:10 · Cash flow after having a child
The original 70/20/10 portfolio relied on monthly contributions that became harder to make as childcare costs increased.
About 00:00:34 · Moving from 70/20/10 to 40/30/30
The speaker raises the defensive allocation while retaining equity and leveraged-fund exposure.
About 00:01:45 · Rebalancing bands and pledged assets
The plan adjusts leverage outside a target band and models annual borrowing equal to 2% of pledged assets.
Related Topics
70/20/10 allocation, 40/30/30 allocation, childcare costs, 00670L, rebalancing bands, securities-backed borrowing
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.
