回覆網友提問｜退休族該買0050、高股息還是債券ETF？｜投資專家林茂昌｜財經搖滾 EP99

How should you allocate your assets in the 5 years before retirement? One of the most frequently asked questions by retirees is: "Should I buy high-dividend ETFs or market capitalization ETFs?" Many people worry about not having enough cash flow after retirement, so they focus on high-dividend stocks, bonds, or fixed deposits. However, if you only pursue dividends, you may not be able to keep up with inflation in the long run, and may even cause your retirement savings to dwindle. In this episode, teacher Lin Maochang shares the key points to consider when investing for retirement: not just how much you can receive each month, but how to ensure your assets continue to grow while maintaining a stable cash flow. 📌 Key Points of This Episode ✔ How to allocate between high-dividend ETFs and market capitalization ETFs? ✔ How to determine the proportion of retirement savings? ✔ How to allocate 0050 and bond ETFs? ✔ After running out of cash, should you sell stocks or bonds? ✔ What is the role of bonds in a portfolio? ✔ What is the most important principle for withdrawing retirement savings? 🎯 Teacher's Reminder Retirement investing is not just about pursuing cash flow. More importantly, it's about building an investment engine that can combat inflation and continuously accumulate wealth. ------ "Financial Rock" has been running for a year now! Along the way, we've started from scratch, experimenting, refining our pace, and finding our direction, all to bring you more rational, in-depth, and relatable investment content. If you enjoy this rational yet engaging investment content, please support us and let the show keep rocking! 👉 https://p.ecpay.com.tw/3048CD6 ------ Click the link to learn more! "Financial Rock" Official Instagram Latest program announcements, and occasional sharing of financial knowledge! 📷  / financial.rock   Official Facebook page for "Financial Rock" 💙 https://lihi2.com/y8dm6 Lin Maochang's "Financial Rock" column in Watch magazine 📖 https://lihi2.com/uOYge Watch magazine Facebook fan page, join the ranks of 100,000 fans! 👍   / watchinese