What are the differences between stocks, bonds, and ETFs? Any configuration suggestions?
股票風險高、報酬也高；債券穩定但回報低。
ETF則是把多種資產打包，分散風險、操作簡單，適合新手入門、定期定額長期投資。
根據年齡與風險承受度，建議配置股票、債券與ETF比例，達到穩健又有效的資產布局。
Chen Fa. Miscellaneous Studies
Every encounter is a practice
Chen Fa. Miscellaneous Studies
Every encounter is a practice
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Stocks vs. Bonds: A Simple Look at the Two Investment Vehicles
Stocks are like buying shares in a company, which are highly volatile but offer high returns; bonds are like lending money to the government or a company, which are stable but offer lower returns. The dual allocation of stocks and bonds is an investment strategy that diversifies risks and helps make assets more stable. Remember: Don’t invest all your money in a single tool. Rational allocation is the long-term solution.
Voting Day in Cat Village
On voting day in Miaoqiu Village, the Blue Hair Party was exposed for using the name of a deceased cat to vote, sparking anger among villagers. The Blue Hair Party’s counter-accusations were suppressed, and they gathered to protest and cry out for injustice, creating a farce. A young cat looked at the chaos and sighed, "It's just an election of a village leader, why is it like a paranormal event?"
In today's society, the way to make money is no longer the same as in the past.
Making money in modern times no longer depends solely on hard work, but requires improving diverse knowledge and skills to create personal irreplaceability. Create time and financial value by investing in yourself and making good use of information gaps. Before judging investment risks, you should clarify the facts and data and rationally evaluate the rate of return. Only by acting according to facts can you accumulate wealth and reverse your destiny in an M-shaped society.
How to invest small amounts of money to build a better financial future for your children
Many parents hope to accumulate wealth for their children. Traditional deposits have low interest rates and weak resistance to inflation, so regular and fixed-amount investments in the stock market become a simple and effective option. By investing a small amount of money every month, you can balance market fluctuations and accumulate assets over the long term. At the same time, it can also be combined with a policy with cash value to provide protection and strengthen the financial foundation of the child's future.
How to stir-fry cabbage
Housewives often make the mistake of adding oil and vegetables before the pan is hot, then excessively stir-frying them, and adding water halfway through because they are afraid the leaves will become too dry. As a result, the finished product is both greasy and watery and is barely edible. The purpose of soaking vegetables in water beforehand is to lock the moisture in the leaves. This also allows the leaves to be quickly cooked from the inside during the heating process. This prevents the vegetables from becoming too dry during the cooking process due to the loss of moisture, which would cause the leaves to become wet if they are replenished with water. In addition, adding water in the middle of the cooking process will immediately lower the temperature, and it will take more time to cook the vegetables.
When buying a house, when you look at the total price, is it really the total price?
When buying a house, you can’t just look at the total price. The decoration and renovation costs are the real hidden costs. Whether it is a new house or a used house, subsequent decoration must be paid for by the buyer and is not included in the loan, which often makes people realize that their budget has exceeded the limit after buying the house. You should estimate the decoration costs when viewing a house and include them in the total cost comparison, so that you can choose an ideal house that truly meets your budget, has a good location and is safe to live in.
Words in the Wind
The main reason I bought this house in Yilan was because it had a small garden, which is what I have told my guests over the years that this is the kind of residence they have been pursuing. In front of the house is the vast, unobstructed countryside, and in the distance you can see the magnificent mountains. This place is very convenient, with beautiful scenery, chirping insects and birds. I have decided from the beginning that this is where my children will rest in peace.
Aben tree burial
The weather today is very sunny, just a little windy. Tell Aben that today is a good day. I will help you bury you in the small garden where we often play. After getting up and washing up briefly, he took Ah Ben's urn downstairs and first turned up the Sanskrit Heart Sutra that was played every day on the first floor. Then he walked out of the door, picked up a small shovel, and dug a small hole under each big tree in the small garden.
Tax risks of investment-type insurance policies
The tax risk of investment-type policies depends on the "gains" (withdrawal amount - premiums paid), not whether it exceeds the principal. If there is no profit, there is no tax exemption; if there is a profit, the tax burden is determined by the annual income and the tax exemption amount. The withdrawal amount is tax-free if it is less than 92,000 (2024 standard), but it will be included in the comprehensive income tax declaration (tax rate 5%~40%) if it exceeds. There is no need to worry if the investment is below 1 million. For investments above 2 million, it is recommended to withdraw the funds in installments and make reasonable plans to save taxes. Those who invest more than 5 million should plan their taxes in advance to avoid high tax burdens.
