TAIPEI (TVBS News)—LINE Bank released a comprehensive survey on digital financial trends on Thursday (July 11). According to the report, respondents invest an average of NT$17,000 monthly, 30% of their monthly income, with cash flow being the most critical factor for those under 35.
The survey identified the top two investment goals as seeking stable cash flow and retirement preparation.
Individuals aged 20 to 35 prioritize stable cash flow, challenging the stereotype that retirees focus more on cash flow, while those aged 36 to 50 focus more on retirement.
Sharon Yang (楊曉文), a professor at National Chengchi University's (國立政治大學) Department of Money and Banking (金融系), found this trend intriguing, suggesting it aligns with the Financial Independence, Retire Early (FIRE) movement.
Yang advised caution with high-dividend products, noting that high dividends do not equate to low risk. She emphasized the importance of understanding the source of dividends and highlighted Taiwan's untaxed capital gains and the benefits of long-term compounding.
Digital investors showed diverse preferences, favoring TWD deposits, Taiwanese stocks, Taiwanese stock Exchange Traded Funds (ETFs), foreign currency deposits, mutual funds, and U.S. stock investments via sub-brokerage.
LINE Bank's General Manager Morris Huang (黃以孟) observed that products offering stable cash flow ranked highest on their platform, prompting the bank to categorize products by theme.
Huang also noted that LINE Bank users typically trade during lunch, evening commutes, or after 9 p.m., requiring high-efficiency financial tools.
On the other hand, Schroders Taiwan's General Manager Brian Hsieh (謝誠晃) warned against sacrificing principal for cash flow, stressing the importance of diversified asset investments.
Conducted by LINE Bank, Schroders, and NCCU's College of Commerce, the survey collected 2,000 respondents aged 20 to 50, divided between general internet users and LINE Bank users.
