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#死亡螺旋

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Wealth Awakening

Investment-Linked Insurance: The 60% Fee Black Hole and the Death Spiral That Devours Retirees

You think that monthly investment-linked insurance policy is giving you protection and growth at the same time? The ugly truth: up to 60% of your first-year premium vanishes into the insurer pocket, monthly admin fees and rising mortality charges keep draining the account, and a death spiral in old age can wipe the whole thing to zero. This is the three-layer trap agents will never warn you about.

8 min
Wealth Awakening

Taiwan's Economy Is Growing — Why Are You Getting Poorer?

TV says GDP is up, stocks above 20,000. But everyone around you is complaining money is harder. This isn't your imagination — a silent wealth reshuffle is happening. Taiwan's old engine (real estate + traditional manufacturing) is dying. The new one (semiconductors, AI, green energy) is like a laser beam illuminating only TSMC engineers and PhD talent. Money hasn't disappeared — it's flowing in a different direction. You're stuck in the awkward gap between two engines. Here's how the migration works and three things you should start doing right now.

25 min