Taichung Bank Broker Urges ‘3331’ Allocation as Taiwan Stocks Hit Highs

Taiwan’s buoyant equity market has pushed exchange-traded fund assets above NT$7.8 trillion in 2026, underscoring households’ heavy exposure to stocks and investment-linked products. Taichung Bank Insurance Brokers said that concentration could weaken family finances as geopolitical risks persist and global interest rates move toward an easing cycle. The firm argues that investors should balance capital growth with insurance protection, inflation resilience and longer-term wealth-transfer needs.

Taichung Bank Insurance Brokers unveiled its “3331” framework on May 19, 2026. It recommends placing 30% in core assets such as large-cap or steadily growing stocks, 30% in momentum-oriented shares and funds, and 30% in participating life-insurance policies. The remaining 10% would fund travel, shopping, a home upgrade or other discretionary rewards. The firm also advised investors to realize part of their gains from the past one to two years, using insurance benefits and shared dividends to support tax planning and intergenerational wealth transfer.