NT$5.5 Million in Assets Stagnant for Nearly a Year, Unable to Break NT$6 Million
A netizen shared on Dcard that he has currently accumulated about NT$5.5 million in assets, but has been stuck at that level for nearly a year, unable to break through NT$6 million, and hopes to speed up asset growth by adjusting his holdings. His current portfolio is mainly built around Yuanta Taiwan 50 (0050), Yuanta High Dividend (0056), Capital Taiwan Select High Dividend (00919) and Cathay Sustainable High Dividend (00878), with small additional holdings in TSMC (2330) and Winbond (2344) on optimism over memory and semiconductor development.
Plans to Shift 00878 Into 00891 Paired With 0056
The original poster said about NT$1 million is allocated to high-dividend ETFs, and he is recently considering switching 00878 into 0056 paired with CTBC Key Semiconductor (00891). As the two ETFs pay dividends in the same months, the adjustment would not materially affect existing cash flow while raising semiconductor exposure. He is also considering adjusting his 0050 allocation, noting that 0050 partly overlaps with 00891 holdings, but some stocks held by 0050 have underperformed expectations, and if the semiconductor industry remains favored in the coming years, 00891 has relatively higher growth potential.
Netizens Favor 00891 Performance Over 0050
After the post was shared, it sparked discussion. Some netizens first clarified the reason for the stalled assets, commenting "Have you bought or sold in the past year? Otherwise how could it not have moved up in nearly a year?" and "2510-2610 in a year, normal assets would have grown by at least 50%". Others directly favored 00891, sharing "I think you can switch to 00891, my current 00891 is +66% on paper, 0050 is only +32%" and "Switch 00878 to 00891 first". Some suggested keeping part of the market-cap ETF, "Keep half of 0050, split the rest into 891".
00927 Dividend-Filling Concerns and Other Options Flagged
On choosing a semiconductor ETF, some netizens reminded to watch constituent allocation and dividend performance, "Luckily you picked 00891, not Capital Semiconductor Income (00927), 00927 is really bad, possibly because 00927 has too low a TSMC weighting, and its latest dividend has been unable to fill, be careful". Other netizens recommended Ta-Hua Uli High Fill 30 (00918), FT Taiwan Sustainable High Dividend (00961), Fuh Hwa Taiwan Technology Dividend (00929), or switching 0050 into TSMC and considering 0050 Leveraged 2x, "The reason it can't move up is because there's no 2x leverage".