理財專家：我研究投資超過三十年，致富的真相跟你想的不一樣｜【初日會客室】周行一 教授 Cofit x 宋晏仁醫師 - 初日醫學 ·
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· 2026-04-10
Core principle: adopt a “whole-person balanced” approach to finance—aim for balance and a meaningful life, not just maximal wealth.
Don’t expect to beat professional investors; frequent trading usually lowers returns (often causes losses) due to costs and skill gaps.
Focus on your expertise: prioritize career, health, family and meaningful work as primary wealth sources.
Use passive investing: buy broad-market ETFs (e.g., S&P 500 index funds or Taiwan 0050) rather than stock-picking.
Dollar-cost average consistently (regular fixed contributions); avoid market timing and all-in bets.
Reinvest dividends to harness long-term compound returns.
Small, consistent savings compound enormously: example—starting at 22, investing ~4,000 TWD/month (+year-end top-up to ~50,000 TWD/year) at 12% annually can grow to substantial sums by retirement (illustrative figures given).
Be prepared to revise plans—financial plans should be updated when circumstances change.
Beware FIRE myths: relying solely on fixed dividends/passive income is risky because payouts and company prospects can change.
Practical tips: buy a home if affordable (for psychological stability), consider tracking expenses early (bookkeeping helps), and remember money increases happiness only up to a point.
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