It's Not Compound Interest That Fooled You — You Got the Reinvestment Order Wrong
Compound interest itself is not the problem — from Einstein to Buffett, they all point to the same logic. The problem is that you got the order of execution wrong from the very start. You buy at the high and stop contributing at the low; the average Taiwanese fund investor holds for only about two years, while compound interest needs 10 years to double — and you pull out long before it can do its work. This article breaks down the three underlying rules, four non-negotiable iron rules, and a three-question decision framework, paired with three real calculations and Taiwan-specific advanced traps around second-generation NHI supplementary premiums and voluntary labor pension contributions. You will see the real cost of switching funds every two years and what 'cost basis' actually means in dollar-cost-averaging.