Wealth Awakening
You Buy Because It "Feels" Like a Rally? The Brain Trap That Cost Retail Investors NT$5 Million
Why do you only feel the urge to buy right after the rally is already over? Dalbar data shows retail investors earned just 3.98% annualized over 30 years vs 10% for the S&P 500. We break down availability bias, herd behavior, and the structural media trap, then run the real numbers: NT$600K invested over 20 years delivers NT$3.9M if you follow your gut, but NT$8.92M if you automate. The gap is NT$5.02 million from the same money.