Turn NT$100,000 Into Your First Million: The Simplest Playbook for Young Investors
You dump your salary into a post-office passbook and earn a meager one-something percent interest each year, while inflation quietly eats three times that in purchasing power. This is not investing — it is working for the bank with your own sweat. Taiwan's CPI hit 3.08% in 2022, a 14-year high, and stayed near 2.5% in 2023, while post-office demand deposits pay only 0.2%. This article uses official data from the Directorate-General of Budget, Accounting and Statistics, the Ministry of Labor, and the Securities Investment Trust & Consulting Association to expose inflation's true damage on NT$100,000, the brutal fact that fewer than 50% of Taiwan's active funds beat the index over the long term, and the left-hand-pays-right-hand trap inside dividend funds. You will get the three-bucket capital check, four iron rules, and a four-step action plan — a complete decision framework you can use today and for the rest of your investing life.