Trump proposed the "Mar-a-Lago Agreement," which aims to revitalize the U.S. manufacturing industry by devaluing the U.S. dollar and appreciating the New Taiwan dollar to 13.3 through trade and tariff measures. If this comes true, Taiwan's stock and housing markets may soar in the short term, but exports will be hit, industries will be hollowed out, and the risk of bubbles will be high, which may lead to a repeat of the tragedy of the hot money boom and financial collapse in the 1980s.
Stocks offer high risk and high returns; bonds offer stability but low returns. ETFs bundle multiple assets to diversify risks and are easy to operate. They are suitable for beginners and long-term regular investments. Based on age and risk tolerance, it is recommended to allocate the proportion of stocks, bonds and ETFs to achieve a stable and effective asset layout.
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.
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.
Investment-type insurance is not completely tax-free, but it does enjoy the advantage of tax deferral. During the internal operation of the policy, asset appreciation and dividends are not taxed, but if the policy is terminated or partially withdrawn, the gains exceeding the premiums paid must be included in the personal comprehensive income tax return. Death benefit proceeds are usually tax-free, but if the estate exceeds the tax-free amount, it is still subject to estate tax. Compared with directly holding ETFs, investment policies can defer taxation and are suitable for long-term asset allocation, but frequent withdrawals still have tax costs.
Deepseek has sparked an AI revolution, the core of which lies in the controversial model distillation technology, which can condense large AI models into small models that can run locally, reduce hardware requirements, and realize decentralized AI. This technology challenges the business model of traditional AI giants and affects the trends of technology stocks and investment markets. As the technology matures, more localized AI will appear in various countries, and Deepseek will become a key detonator to open the door to the democratization of AI.
Business cycle stocks are stocks that change with economic fluctuations and are concentrated in traditional industries such as coal, oil, and steel. It is characterized by low valuation and high volatility, which is suitable for investors with insight into economic cycles to buy at low times and sell at peaks. Compared with ETFs that simply pursue stable returns, cyclical stocks can increase leverage and bring capital gains, but they need to pay attention to the timing of exits to avoid losses caused by a recession. During the investment process, it is crucial to choose a strategy that suits your risk tolerance.
Wealth inheritance should make good use of the annual gift tax exemption of NT$2.44 million. Cash gifts are flexible and tax-friendly, making them suitable for helping children buy a home. Real estate gifts need to consider the combined real estate tax and the risk of cost underestimation. It is recommended to increase the holding cost through buying and selling. When donating stocks, attention should be paid to valuation standards, as unlisted stocks are more risky. Policy gifting must ensure that the distribution of interests is in line with family consensus. It is recommended to consult a professional advisor to formulate a personalized plan to balance tax and family needs to ensure the smooth inheritance and appreciation of assets.
Buffett's final decision, through share conversion and charitable donations, not only demonstrated his philanthropic philosophy, but also brought about the continued rise of the US stock market. It provides a clearer framework for its subsequent wealth inheritance, which will undoubtedly have a profound impact on investors at different levels and the market.
Line Pay, which is a popular product commonly used by Taiwanese people, has not fallen below the expected volume point all the way down. It rebounded as low as 512, and then started to fluctuate back and forth. After half a year of fluctuations within 100 yuan, yesterday, July 26, I officially submitted a listing application to the Taiwan Stock Exchange. However, due to the impact of the US stock market on the market, it fell for more than a week, resulting in the inability to rise. The closing price was 526, but I received news earlier. Those who entered the venue had already started running on 7/22.
