Build a NT$10 Million Portfolio Starting With Less Than NT$100,000 Saved: The Complete Core-Satellite Allocation Guide
Taiwan's CPI has averaged more than 2% annual growth over the past 5 years, but regular bank savings rates are below 0.5% and the best time deposits only reach 1.6% — you think you're preserving capital, but you're actually losing money every year. This article uses DGBAS real wage data, a 30-year time-deposit vs ETF simulation, and the historical record of the 2008 and 2022 Taiwan stock drawdowns to break down the core-satellite allocation method for small capital, four non-negotiable iron rules, an annual rebalancing SOP, and the hidden tax bonus of the 6% voluntary labor pension contribution. Finally, a 4-step low-barrier action plan means you can start rolling your retirement with just NT$2,000 from today. The Taiwan Financial Services Institute has made it clear: asset allocation contributes more to long-term portfolio returns than stock picking or market timing — how you 'allocate' matters more than what you buy.
