Video Overview
The 44-year-old writer shares expenses for two children, ages 12 and 10, with her former spouse and also pays more than NT$30,000 a year per child for medical and long-term-care insurance. She owns about NT$18.97 million across 33 Taiwan stocks and ETFs, which generated roughly NT$1.06 million in 2025 dividends, plus about NT$15 million in Taiwan dollars, U.S. dollars, yen, and Australian dollars. She also has personal loans and a Japanese rental property. Her goal is retirement by the end of 2026, with annual spending estimated at NT$840,000 and possibly raised to NT$1 million. The speaker favors selling dispersed holdings, policies, and the Japanese property. Using the speaker’s estimate of NT$25.85 million in liquid assets, the model places NT$12 million in 00865B for 15 years of NT$800,000 spending and NT$13.85 million in 00662. Property taxes, surrender losses, returns, and retirement duration require verification; the claim that funds will never run out is not a guarantee.
Key Takeaways
- The writer holds about NT$18.97 million across 33 Taiwan stocks and ETFs, plus about NT$15 million in multicurrency cash.
- She seeks retirement by the end of 2026 and compares NT$840,000 annual spending with a NT$1 million target and a 33-times threshold.
- The speaker estimates NT$25.85 million in liquid assets and models NT$12 million in 00865B with NT$13.85 million in 00662.
- Selling the Japanese property and insurance and delaying pledged borrowing are the speaker’s views; taxes, protection, and risk need case-specific review.
Chapters
About 00:00:10 · A dispersed balance sheet at age 44
The writer reviews children’s costs, Taiwan equities, dividends, foreign-currency cash, debt, and a Japanese rental.
About 00:01:40 · The rental property and retirement target
The property barely produces positive cash flow while the writer evaluates retirement in 2026.
About 00:03:15 · The speaker’s consolidation proposal
The video favors disposing of policies, the Japanese property, and dispersed holdings.
About 00:04:00 · A 15-year retirement cash bucket
The model reserves NT$12 million for spending and puts the remaining NT$13.85 million in 00662.
Related Topics
Retirement cash bucket, 00662, 00865B, Taiwan dividend investing, Japanese rental property, Multicurrency cash, Children’s insurance
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.
