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You think you are collecting safe monthly income while lying back, but you are actually feeding your retirement savings into a hidden risk black hole. We expose the real face of non-investment-grade bonds: dividends paid from your own principal, cascading default waves, emerging market currency risk, and the harvest logic that lets financial institutions keep winning while you lose.
You hold NT$500,000 in pure fixed deposit earning 1%-plus a year — about NT$6,000 in interest. Meanwhile, your neighbor just borrowed NT$5 million from the bank at 2% to invest in an 8% project, and a year later he earned NT$300,000. This article breaks down three underlying rules behind why the poor save money while the rich accumulate assets, and runs two outcome comparisons: NT$10,000/month saved from age 25 for 40 years (NT$6.5 million vs NT$34.9 million) and buying versus renting and investing over 30 years (a NT$26 million gap). It also gives you the four prerequisites for a leverage mindset plus a self-assessment checklist so you can tell whether borrowing-to-invest is a tool or a trap for you.