NT$300,000 in the Bank Only Makes You Poorer: Allocate It So Your Money Works 24/7
You park NT$300,000 in a bank demand deposit and earn less than one hot-pot meal in interest every year. This is not an insult — it is a fact published by Taiwan's central bank. In 2024, Taiwan demand-deposit rates sat at 0.2% to 0.3%, giving you at most NT$600 to NT$900 after-tax interest on NT$300,000 over a full year. In the same year Taiwan's CPI rose more than 2%, meaning your NT$300,000 lost more than NT$6,000 in real purchasing power. You are not saving — you are handing your wealth over, at the slowest possible speed. This article uses 20-year projections of pure savings versus NT$240,000 in low-cost ETFs, the three-layer capital allocation method, and four veto-power iron rules to give ordinary Taiwanese working professionals a plan they can execute starting today.