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2 articles found

Wealth Awakening

Stop Giving Money to the Market Makers! The 99% Retail Trader's Rally-Chasing Trap and Buffett's Three Questions

You buy, it drops. You sell, it rallies. You cut your loss, it soars—is the big money really watching your tiny account? The truth is, you're not unlucky—you're stuck in the retail trader's hamster wheel. This article, in the plainest language possible, breaks down the time-lag lie behind "chasing the hot name," Buffett's counter-intuitive three-question stock filter, the two deadly value traps, and finally hands you three things you can do right now: ask three questions before buying, learn to read three numbers, and carve the word "wait" into your heart.

12 min
Wealth Awakening

Monthly Distribution Isn't a Retirement Plan — The Tax Strategy Taiwan's Rich Use

Taiwan's high-dividend ETF AUM broke NT$1 trillion by end of 2023 — 00878 alone exceeded NT$500 billion — but the truly wealthy in Taiwan don't retire on monthly distributions. They use a fully legal but largely unknown tax-optimization and compounding architecture that doubles wealth growth. Using the post-2018 tax-reform dividend choice (combined reporting with the 8.5% credit capped at NT$80,000 vs 28% separate taxation) and Taiwan's current capital-gains-tax exemption for individuals, this article breaks down why distributions aren't a free lunch, why a 20-year gap of NT$1.5–2 million exists between high-dividend ETFs and total-market ETFs (such as 0050), four iron rules, and four action steps. You will see exactly how a 20%-bracket taxpayer with NT$200,000 in dividends pays about 11.5% effective tax under combined reporting — and how the same person choosing a 0050-style accumulation product can keep compounding uninterrupted. The article also shows how to dynamically switch between combined and separate reporting each May based on that year's income bracket, turning tax planning into a 5-minute annual optimization rather than a once-and-done decision. Closing with four contingency moves for 2008 or 2020-style systemic crashes, this is the tax and compounding playbook most Taiwanese retail investors were never taught — and most bank RMs won't bring up because their KPI is sales, not your after-tax return.

15 min