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Three strategies a year, flexible rebalancing: entering the market every month is not as good as exchanging shares seasonally
Unable to play this video: Three strategies a year, flexible rebalancing: entering the market every month is not as good as exchanging shares seasonally

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00586

Three strategies a year, flexible rebalancing: entering the market every month is not as good as exchanging shares seasonally

A 54-year-old Taiwanese investor with 15 years of experience is moving from high-dividend ETFs paying about NT$50,000 monthly to a 40% stock, 30% leverage, 30% cash allocation with annual rebalancing.

Published
Nov 13, 2025
Total duration
5:57
Source
CLEC Investment & Wealth

Categories

  • Short

Video Overview

The video follows a 54-year-old Taiwanese investor changing her portfolio. After 15 years of investing, she primarily held high-dividend ETFs whose roughly NT$50,000 monthly distributions helped her remain calm during volatility. She recently adopted a 40/30/30 allocation: 40% stocks, 30% leveraged funds, and 30% cash. Her initial schedule bought 00670L from January through April, 00662 from May through August, and 00865B or a money-market fund from September through December. The speaker says a monthly schedule is not rebalancing and instead adjusts by annual market direction. In an up year, 30% or 50% of that year's leveraged-fund profit moves to cash or short bonds. In a down year, cash equal to 2% of the original portfolio buys leverage. A NT$1 million two-year example shows internal transfers without new contributions. All ratios are the speaker's method.

Key Takeaways

  • The writer is moving from high-dividend ETFs paying about NT$50,000 monthly to 40% stocks, 30% leverage, and 30% cash.
  • Her original calendar rotated purchases among 00670L, 00662, and 00865B; the speaker instead uses annual market direction.
  • In an up year, 30% or 50% of leveraged-fund profit moves to cash or short bonds; in a down year, 2% of original assets moves into leverage.
  • The NT$1 million example shows that rebalancing can occur through internal transfers without adding new money.

Chapters

About 00:00:13 · From high-dividend ETFs to 40/30/30

Distributions provided emotional stability, while the new portfolio adds an index core, leverage, and defensive assets.

About 00:00:34 · A purchase calendar versus rebalancing

Rotating among three assets sets a contribution schedule but does not adjust risk after positions move.

About 00:01:40 · Rules for up years and down years

The method trims a share of leveraged profits after gains and adds leverage from cash after a decline.

About 00:02:54 · A two-year NT$1 million example

Changes in QQQ, QLD, and cash illustrate internal rebalancing without new contributions.

Related Topics

high-dividend ETFs, 40/30/30 allocation, dynamic rebalancing, 00670L, 00662, 00865B, retirement investing

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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