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  4. 1 How to spend 3.3 billion? Get 433/424 right, spend 2.66 million per year, and have no worries about retirement and can still give away gifts
1 How to spend 3.3 billion? Get 433/424 right, spend 2.66 million per year, and have no worries about retirement and can still give away gifts
Unable to play this video: 1 How to spend 3.3 billion? Get 433/424 right, spend 2.66 million per year, and have no worries about retirement and can still give away gifts

Video information

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1 How to spend 3.3 billion? Get 433/424 right, spend 2.66 million per year, and have no worries about retirement and can still give away gifts

A couple retiring in five years reviews about NT$133 million in assets, a NT$11 million mortgage, 424 versus 433 allocations, 2% annual use, and gifts to three daughters.

Published
Dec 12, 2025
Total duration
7:57
Source
CLEC Investment & Wealth

Categories

  • Short

Video Overview

The couple holds 0050, 00662, TSMC, 00670L, 00865B, and cash, totaling about NT$133 million. Their mortgage is about NT$11 million at 2.4%. They plan to retire in five years, spend about NT$1.4 million annually, and give NT$2 million to each of three daughters. The video calculates NT$2.66 million as 2% of total assets. The speaker favors selling TSMC and 0050 to center equities on QQQ or 00662, then using a defensive 424 mix before retirement: 40% unleveraged index exposure, 20% two-times leverage, and 40% cash or short bonds. A later move toward 433 is considered after the process feels stable. Allocation, beta, withdrawal safety, borrowing, and gifting are all modeled opinions; tax rules require separate confirmation.

Key Takeaways

  • The case reports about NT$133 million in assets, a NT$11 million mortgage, and NT$1.4 million annual spending after retirement.
  • The video calculates NT$2.66 million as 2% of assets, but it is not a guaranteed safe spending amount.
  • The speaker prefers 424 before retirement and keeps leveraged exposure below both cash and unleveraged index holdings.
  • The couple plans NT$2 million for each daughter, with later gifts staged over time and checked against tax rules.

Chapters

About 00:00:11 · The NT$133 million household

The couple lists ETFs, stocks, cash, debt, retirement timing, and gifting goals.

About 00:01:25 · The 2% annual-use idea

NT$2.66 million is framed for travel, health, learning, and family support.

About 00:02:56 · Comparing 433, 424, and 442

The speaker uses index, leveraged, and cash or short-bond weights and favors 424 before retirement.

About 00:04:33 · Cash flow, mortgage, and collateral

Short-bond income and limited borrowing support cash flow while the mortgage is kept at its stated low rate.

About 00:06:14 · Three daughters and staged gifts

Each daughter first receives NT$2 million, with later transfers planned over multiple years.

Related Topics

NT$133 million retirement assets, 424 allocation, 433 allocation, 2% annual use, 00662, 00670L, Securities-backed borrowing, Staged gifting

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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