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3 articles found

Wealth Awakening

Bottom-Fishing Is the Fastest Suicide: Understand the "Jenga Tower Effect" to Survive a Crash

Years ago, I was also a fool who stared at candlestick charts deep into the night, convinced I could bottom-fish and escape at the top — until the 2020 pandemic crash wiped out the down payment I'd saved for a home. A crash is never a wipeout to zero, so why does it bankrupt some people and leave others untouched? This article uses the "Jenga Tower Effect" to dissect the true nature of a crash, explain why no one can precisely predict the bottom, and lay out the three iron rules for retail investors to survive a crash.

7 min
Wealth Awakening

Buying the Dip at TWSE 40,000? This Is the Real Reason Taiwanese Retail Investors Lose Money

Taiwan stocks have broken 40,000 points. You open your phone, look at your account, and wonder whether to add to the bottom—then a year later you are down NT$300,000. Taiwanese retail investors lose money not because they pick the wrong stocks or lack inside information, but because their understanding of bottom-fishing is fundamentally wrong from the start. This article breaks down 3 underlying rules (using the wrong timing cancels time compounding, Taiwan stock volatility exceeds psychological capacity, and the structural interest alignment of Taiwan's financial institutions), 3 sweat-inducing account scenarios (including a 20-year gap of NT$2.86M), a 4-question decision framework, 4 veto rules, 4 practical action steps, 2 overlooked Taiwan-specific traps (after-tax dividend income yield, and leveraged ETF daily reset decay), and an emergency plan for extreme markets. Core line: in Taiwan stocks, what makes you lose money is never the market, it is your misjudgment of yourself. Action hint: before your next impulse buy, run the 4 questions and check the veto rules.

18 min
Wealth Awakening

Is Catching the Falling Knife the Fastest Way to Lose Everything? 4 Rules to Survive a Crash

I once lost my down payment during the 2020 pandemic crash before realizing that catching falling knives is the fastest way to financial ruin. This article uses the Jenga Tower Theory to break down why crashes are unpredictable, exposes how central banks inadvertently pile up dry timber, and walks you through 4 iron rules: control stock allocation, hold cash, diversify broadly, never panic-sell. Build your safe harbor before the storm arrives.

16 min