Asset Allocation & Passive Investing

What you will achieve

Build a portfolio matching your age/goals/risk, apply 5/25 rebalancing rules, optimize tax via sub-brokerage and offshore brokers

Syllabus

• 1
  Why Passive Beats Active

  SPIVA reports and long-term performance

• 2
  ETF Types & Selection

  Broad-market, sector, bond, REITs

• 3
  Asset Class Allocation

  Stock/bond ratio, geographic, inflation hedge

• 4
  Risk Tolerance Assessment

  Age, cash flow, psychological tolerance

• 5
  Rebalancing Rules

  5/25 rule, periodic vs threshold

• 6
  Tax Optimization

  Foreign dividends, AMT, sub-broker vs offshore

• 7
  Retirement Withdrawal

  4% rule, bond tent, cash buffer

• 8
  Behavioral Finance Pitfalls

  Loss aversion, chasing, over-trading

• 9
  Build Your Portfolio Dashboard

  Google Sheets automation

Highlights

• Includes Google Sheets portfolio tracker
• Age-tailored portfolios (25/35/45/55)
• 30-year retirement withdrawal simulation

Instructor

12 years of cross-market trading experience — Taiwan stocks, TXO options, forex margin, crypto spot and futures. Formerly with an asset management firm, now trading personal accounts systematically with a 12~30% annualized target. My teaching style starts with risk awareness and money management before discussing strategy. I firmly believe "only those who survive get to profit" — so every lesson dedicates significant time to stop-loss and hedging.