Prepared by A-J | Author brand: 盡職生活｜阿J的普通人理財筆記
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-24 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-24 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
This is not a fixed allocation recommendation: the goal is to separate near-term spending money from assets that still need to grow for decades.
Layer 1: cash bucket
Funds near-term essential spending so a market decline does not immediately force equity sales.
Layer 2: bonds / balanced assets
The purpose is to reduce portfolio volatility and provide a rebalancing source, not to guarantee no losses.
Layer 3: growth equities
A 30-year retirement is long. Without growth assets, inflation can steadily erode purchasing power.
Inflation means current yield is not enough
Taiwan's July 2026 CPI was 2.54% higher than a year earlier. That is a current data point, not a 30-year forecast. Retirement planning should test multiple inflation assumptions rather than using one recent reading forever.
Official / primary references
A self-built monthly pension is not guaranteed. Sustainable cash flow depends on returns, inflation, longevity, fees, taxes and withdrawal behavior.