The '82 rule' locks in profits and wins the market with cash

        This year, because of the "Trump variable", many investors' capital allocation and investment performance have been confused. The best investors may not be those who have a precise vision and a good sense of buying stocks and bonds, but those who put their money in the New Taiwan dollar account and remain unmoved, especially when the global political and economic uncertainty is rising and the Federal Reserve System's interest rate policy is turning. Have you made any money from your recent investments? Welcome to refer to the asset allocation method proposed by Far Eastern International Bank Bankee community bank, which aims to preserve principal while earning interest.

                With the appreciation of the Taiwanese dollar and the stabilization of prices, holding cash has become stronger. As purchasing power increases, even buying US dollars has become cheaper. As long as there is a retracement in the exchange rate, you can seize the opportunity of the US dollar oversold, and then lock in the interest rate through high interest rate US dollar fixed deposits, and enjoy two dividends of "exchange rate spread" and "spread" in one breath.

        In contrast, markets such as the US stock market, cryptocurrency, and real estate did not perform as expected in the first half of the year. The violent fluctuations and unpredictable direction have left many participants scarred. Bankee suggests that during turbulent times, it is advisable to increase the proportion of cash holdings, with some earning profits through high interest fixed deposits and the rest being used as reserves. In addition, the current currency segmentation strategy of "80% Taiwanese dollars and 20% US dollars" can be implemented, and foreign currencies can be flexibly exchanged according to exchange rate changes, gradually laying out US dollar assets according to the situation, and seizing opportunities for short-term price declines to enter the market. As for how to operate in practice, Bankee provides the following four allocation methods to help you stabilize your principal and earn steady interest.

        【 Configuration 1 】 Stable Base of Taiwan Dollar: Unused Money Placed in Fixed Deposits, 1.67% Found in Four Months

        The Taiwan dollar rose from NTD 33 to NTD 29 this year, and with good inflation control and relatively stable living costs in Taiwan, holders of the New Taiwan dollar enjoy a significant "purchasing power dividend". Bankee suggests allocating 70% of the total assets to cash and 30% to other investments. The cash can be further divided into 80% Taiwanese dollars, 20% US dollars, or other foreign currencies, and the "less likely to be used" portion of Taiwanese dollar cash can be invested in a "four month fixed deposit project" with an annual interest rate of up to 1.67%. The minimum deposit threshold is only NTD 10000, and the maximum single deposit is NTD 3 million, with no limit on the number of transactions. This type of 'short-term, fixed return, high elasticity' fixed deposit product perfectly meets the needs of investors who want to park their short-term funds in a volatile market.

        It is worth noting that the outside world expects the central bank to have the opportunity to lower interest rates as early as the second half of the year. Seizing the opportunity when interest rates are about to reverse, locking in the short-term interest rate of 1.67% is equivalent to guarding the anti inflation defense line in advance, ensuring stable capital absorption of interest rates, avoiding cash idle, and effectively preventing emotional spending or impulsive investment behavior.

        【 Configuration 2 】 Taiwan Dollar Flexible Support: High interest active deposits serve as a capital reservoir, and can also accept US dollars at any time

        Seventy percent cash may seem conservative, but there is a certain proportion of funds that can be flexibly used as backup. During the appreciation period of the Taiwan dollar, if there is a retracement in the exchange rate of the US dollar, investors can decisively buy "cheap US dollars".

        Bankee shares that investors can also choose high interest live deposit accounts with interest rates as high as 1.435%, while enjoying high returns and high liquidity. Unlike other digital banks on the market that require "task clearing" to enjoy discounts, and often offer high interest rates with "limit restrictions", Bankee's high interest active deposit account not only has no threshold tasks, but also has no upper limit on the amount. No matter how much money is deposited, it is 1.435%. If you participate through the community circle recommendation mechanism, you can upgrade to a 2.6% interest rate and a maximum NTD 5 million deposit limit, achieving "interest rate increase on deposit and withdrawal".

        This type of active deposit can not only be used as an emergency reserve fund, but also as a "currency exchange ambush line" to seize opportunities to buy in stages when the US dollar falls; When the downward trend of interest rates takes shape, it can also be flexibly adjusted to commodities with higher interest rate spreads, maintaining the initiative of using funds.

        【 Configuration 3 】 Flash mob lock up period for USD: Five months with 4.2% high interest fixed deposit, locking in the last wave of USD highs

        The Federal Reserve System in the United States will slow down its rate hikes from the end of 2024, and inflationary pressures will gradually fall. The market generally expects to initiate a cycle of interest rate cuts in the next stage, which means that the current fixed deposit interest rate of the US dollar may be in the high range and will only be revised downwards in the future. In this context, the dual effect tool of "capital locking and flexible exchange" is undoubtedly an excellent option.

        People who are preparing to exchange New Taiwan Dollars can use the "USD Deposit Program" to take advantage of the low exchange rate during the appreciation period of the Taiwan Dollar and enjoy a discount of 2.4 cents on USD exchange. They can then deposit their US dollars in a high interest fixed deposit of 4.2% for a period of 5 months, seize the opportunity to lock in the interest, and be suitable for hedging, interest collection, or future international expenditure purposes. The minimum deposit required is only USD 100, which can be completed through the app. This not only reduces the participation threshold for foreign currency wealth management, but also makes fund allocation more flexible.

        【 Configuration 4 】 Floating Foreign Currency Elastic Pool: Let's talk about interest fixed deposits first, early termination of contracts can still receive holographic rewards!

        If you are optimistic about the US dollar but worried about market fluctuations or temporary need to use funds, then a commodity that combines fixed deposit interest rates and flexible active deposits is the most ideal choice. Bankee's "First Interest Foreign Currency Fixed Deposit" allows users to schedule a termination 15 days in advance, receive full interest, and retain flexibility in fund utilization. This bidirectional structure of "flexible active deposit+fixed deposit interest" is suitable for those who are worried about the US policy changing at any time or want to seize the opportunity to switch fund allocation. Moreover, the minimum deposit amount is low, and small bourgeoisie or short-term planning groups can easily join.

        In the face of chaotic situations, the biggest risk may not be incorrect investment, but the lack of flexibility and strategy in the use of funds. After all, we don't need to walk fast now, but we must stand firm. Instead of letting cash idle, thin, or accidentally stepping on investment landmines, it's better to return to the basic skills: holding onto the cash subject, precise allocation, and flexible scheduling. Mastering Bankee's "80% in Taiwanese dollars and 20% in US dollars" allocation strategy can stabilize the financial foundation before the market becomes clear. In the future, whether it is to increase investment, switch to foreign currencies, or use reserve funds, it can be handled calmly.

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