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#行為金融學

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Wealth Awakening

High-Dividend ETFs as Savings? The 6% Yield Burying Your Million-Dollar Wealth

You think piling into high-dividend ETFs and watching monthly payouts roll in is passive income. In reality, you are personally burying the compounding snowball of a million-dollar fortune. We unmask the truth: dividends are just left-hand-right-hand money, the stabilization reserve is a vampiric black box that returns your own principal as 'yield', Taiwan's 2nd-generation NHI supplementary premium doubles the tax skinning, and inflation turns a 6% yield into a slow-motion wealth funeral. The hard logic of where money really flows.

15 min
Wealth Awakening

How Leveraged 2x ETFs Blew 30% of My Money: Daily Reset Trap Exposed

Retail favorite 2x long and -1x inverse ETFs are not wealth-doubling shortcuts — they are math traps engineered by Wall Street. The daily reset mechanism quietly erodes your principal on every swing, evaporating 30% of your net value in six flat months. This piece uses a simple math model to unmask volatility decay, contrasts the rich man's low-cost debt leverage with the poor man's derivative trap, and shows why real wealth only compounds through time and quality assets.

11 min
Wealth Awakening

Stop Watching the Screens! You're Working Hard to Lose Wealth: The Three Hidden Traps of Retail Investors

You open your account, sick green as far as the eye can see, stare at the number and your mind goes blank. Every crash feels like a judgment failure on your part; every missed rally feels like bad luck; every time you get trapped you tell yourself next time you'll strictly follow discipline—but next time is the same. You don't lose money because you're stupid, and it's not bad luck either: you've been scammed. Scammed by the rules, scammed by your own psychology, scammed by the fundamentally unpredictable nature of the world. This article unpacks five truths—transaction costs, order flow, loss aversion, decision fatigue, the sandpile effect—and gives you a simple method that doesn't rely on prediction or gut feel.

13 min
Wealth Awakening

Stop Giving Money to the Market Makers! The 99% Retail Trader's Rally-Chasing Trap and Buffett's Three Questions

You buy, it drops. You sell, it rallies. You cut your loss, it soars—is the big money really watching your tiny account? The truth is, you're not unlucky—you're stuck in the retail trader's hamster wheel. This article, in the plainest language possible, breaks down the time-lag lie behind "chasing the hot name," Buffett's counter-intuitive three-question stock filter, the two deadly value traps, and finally hands you three things you can do right now: ask three questions before buying, learn to read three numbers, and carve the word "wait" into your heart.

12 min
Wealth Awakening

Money Earned by Luck Will Be Lost: 5 Psychological Traps Behind Retail Losses

When TSMC hit NT$1,000 you didn't dare buy. At NT$800 you still didn't dare. You finally chased it at NT$1,000 — and it dropped. This isn't your fault — it's how the human brain is wired. Behavioral finance shows psychology drives investing more than you think. People who make money by luck tend to repeat the same approach next time. This article breaks down 5 psychological traps that drain retail accounts. Reading it could save you a million.

16 min