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#行為經濟學

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Wealth Awakening

Stock Down 30%? Stop Averaging Down. Swap and Recover 3x Faster.

Your stock is down 30% and the market just bounced — do you average down or wait it out? Brutal stat: nearly 7 in 10 averaging-down investors end up deeper in the red after six months. We expose the three psychological traps (sunk cost, confirmation bias, gambler's fallacy), reveal three quantitative filters for separating winners from losers, and walk you through a four-step swap-to-recover playbook that cuts your average breakeven time from three years down to one.

12 min
Wealth Awakening

Engineers and Doctors Lost NT$19M! 5 Psychological Traps Behind LINE Stock-Pumping Scams

Even engineers, doctors, and university professors fall victim. LINE stock-pumping scams weaponize behavioral economics — reciprocity, herd mentality, and the sunk-cost fallacy — to drain your life savings. This deep dive tears apart five ruthless psychological control steps, from fake trading software to endless unfreezing fees, and shows you how to build the ultimate cognitive firewall before greed and anxiety become the scam syndicate's sharpest blade.

10 min
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.

13 min
Wealth Awakening

Scratch-Off Lottery Exposed: NT$1.8M Spent Chasing an Illusion of Escape

Scratch cards aren't harmless fun — they're a precision-engineered harvesting system. NT$500 a day for ten years (NT$1.8M total) buys not a lifeline out of poverty, but a brutal poverty tax. The "so close" effect that hooks working-class players was designed by elite psychologists to keep you addicted. We expose how cheap dopamine destroys your ability to climb the income ladder — and show you the positive-expected-value systems that actually build wealth.

9 min
Wealth Awakening

Money Made by Luck Always Gets Returned: The Investing Psychology That Can Save You Hundreds of Thousands

TSMC climbs to NT$1,000 and you don't dare buy — it's too expensive; it drops to NT$800 and you still don't dare buy — it might fall further; when it returns to NT$100 you finally chase in, then it drops again. This isn't your problem — it's your brain's problem. This article dissects the five most common psychological traps in investing — from the fundamental mismatch of "price vs. value" to how "earning by luck" triggers confirmation bias and drags you into the abyss. Seeing these traps won't make you rich overnight, but it will keep you from making costly mistakes.

8 min