How Much Should You Have Saved at 25, 30, or 40? The Complete Taiwan Age Savings Standard
You open your phone, glance at your account balance, and quietly turn the screen off. How many times have you done this? The question Taiwanese people fear most is not how much the stock market has cost them, but how much their peers have saved compared to themselves. The truth is, account balance alone cannot tell you whether you have enough. What really matters is three things: your emergency reserve, your liquid assets, and the structure of your real monthly cash flow. This article uses median data from the Directorate-General of Budget, Accounting and Statistics (DGBAS) and the FSC (Financial Supervisory Commission), a 20-year comparison between saving NT$5,000 per month in a regular savings account versus an index fund, and a retirement gap estimate of NT$4.5M to NT$7.5M to give you precise savings targets at ages 25, 30, and 40. If you have been avoiding the numbers, today is the day you face them. Pain point: most people compare account balances, not the structure behind them. Promise: a precise, data-backed target for your current age with an action plan you can start today.