銀行高利存款戰開打！年利率16.8%超誘人、存滿8天竟只賺143元？六大銀行祭12%高息搶客　優惠門檻與利息陷阱一次看！｜#寰宇新聞 — Transcript

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1. 0:00Earning several times the interest—
2. 0:02doesn't that sound truly tempting? But
3. 0:04if you really deposit your money, do
4. 0:06you know how much interest you'll
5. 0:08actually get? The answer might surprise
6. 0:11you, because after eight days at the
7. 0:13maximum promotional limit, the interest
8. 0:15is only about 143 NT dollars. Upon
9. 0:17closer inspection, this is a
10. 0:19high-interest savings promotion for new
11. 0:21customers from Next Bank, with an
12. 0:23annual rate as high as 16.8%. However,
13. 0:25there are two major restrictions: first
14. 0:27, the principal eligible for this rate
15. 0:30is only 38,800 NT dollars, and second,
16. 0:32the promotional period lasts only eight
17. 0:34days. Furthermore, new customers must
18. 0:37complete account opening, device
19. 0:39binding, and claim and use a designated
20. 0:41interest-rate coupon to actually enjoy
21. 0:43the offer. If we take the base savings
22. 0:46rate of 0.875%and add the 15.93%bonus
23. 0:50rate, the total interest for eight days
24. 0:53at the full limit is 143 NT dollars. So
25. 0:57, when you see 16.8%, don't assume you
26. 1:00can get that high of a rate for a whole
27. 1:02year; it's actually a carefully
28. 1:05designed marketing campaign by the bank
29. 1:07. It’s not just Next Bank; at least
30. 1:10five other banks have launched various
31. 1:13high-interest deposit promotions. For
32. 1:16instance, the Yuanta Bank "e-Account"
33. 1:19offers up to 12%for one month on
34. 1:21balances up to 50,000 NT dollars—
35. 1:24calculated over 30 days, the interest
36. 1:27is about 493 NT dollars. O-Bank also
37. 1:30offers a 12%annual rate for new
38. 1:32customers on up to 100,000 NT dollars
39. 1:35for one month; if you deposit 100,000,
40. 1:38the 30-day interest is about 986 NT
41. 1:40dollars. Next is Union Bank's New New
42. 1:43Bank, offering up to 10%for new
43. 1:46customers on up to 150,000 NT dollars.
44. 1:49Taishin's Richart account offers
45. 1:51eligible new customers a fixed 3.5%rate
46. 1:54on up to 300,000 NT dollars.
47. 1:57Additionally, HSBC offers a 3-month
48. 1:59fixed deposit rate of up to 4%, but
49. 2:02this plan targets specific wealth
50. 2:04management clients, requiring a minimum
51. 2:07single deposit of 3 million NT dollars.
52. 2:10But have you noticed something by now?
53. 2:13Some banks offer incredibly high rates,
54. 2:15but only for a few days. Others have
55. 2:18less astonishing rates, but because the
56. 2:20limits are higher and the periods
57. 2:22longer, you actually earn more interest
58. 2:24. So, rather than looking at who has
59. 2:26the highest annual rate, what’s truly
60. 2:28worth comparing is how much cash you'll
61. 2:31actually walk away with when the term
62. 2:33ends. However, seeing so many banks
63. 2:35fighting to offer high interest, one
64. 2:37might wonder: are these banks running
65. 2:39short on cash? Is that why they are
66. 2:41spending so much to attract deposits
67. 2:43from the public? In fact, looking at
68. 2:44the design of these promotions, it
69. 2:46feels more like a fierce battle to win
70. 2:48over digital banking customers. If you
71. 2:50look closely, you'll find that high
72. 2:51interest rates are usually reserved for
73. 2:53new customers, with limited amounts and
74. 2:55limited time frames. For banks, paying
75. 2:57a few hundred dollars in interest over
76. 3:00a few days or a month is a chance to
77. 3:02attract a new customer. Once they get
78. 3:05used to the bank's app, they may use
79. 3:07transfers, credit cards, loans, or
80. 3:10other financial services in the future;
81. 3:12these are the long-term customer
82. 3:14relationships banks hope to build. Of
83. 3:17course, whether a specific bank is
84. 3:18under capital pressure depends on its
85. 3:20deposit and loan liquidity and
86. 3:21financial data; you can't jump to
87. 3:23conclusions just because they launch a
88. 3:25high-interest promotion. As for the
89. 3:26general public wanting to earn extra
90. 3:28interest during this wave of offers,
91. 3:30there are four things you must check
92. 3:32first. First, is it only open to new
93. 3:34customers? Next is the promotional
94. 3:37limit. Third, how many days can you
95. 3:39earn interest? And finally, what will
96. 3:41the rate drop back to after the
97. 3:43promotion ends? In particular, note
98. 3:45that some plans require completing
99. 3:47specific tasks to qualify for the bonus
100. 3:49interest rate. So, while high-interest
101. 3:52bank deposits are a good way to earn
102. 3:54more on idle funds, the most important
103. 3:56thing is never the biggest percentage
104. 3:59on the advertisement, but the amount
105. 4:01that actually lands in your wallet.
106. 4:03That concludes this segment of
107. 4:05financial life updates, covering
108. 4:07everything from bank deposits and
109. 4:09spending to important news related to
110. 4:11your daily wallet. For more useful
111. 4:12information, please search online for
112. 4:15our news channel for financial news,
113. 4:17bringing you timely updates and keeping
114. 4:19you informed. AI has sparked a stock
115. 4:21market craze, and it is now popular in
116. 4:23South Korea to open brokerage accounts
117. 4:25for children. For parents of boys,
118. 4:26birthday gifts are no longer
119. 4:28remote-controlled cars but Samsung
120. 4:30stocks. In Taiwan, many parents are
121. 4:32also cultivating little stock market
122. 4:34experts from a young age, though girls
123. 4:37'preferences for "heroes" differ from
124. 4:39boys'.
125. 4:39>> He filmed a video with his daughter.
126. 4:42Huang Deng-hui has three children, and
127. 4:44to plan for their future, he invested
128. 4:46their red envelope money into the stock
129. 4:48market. In a short time, the assets
130. 4:50have doubled, exceeding one million.
131. 4:52>> It was roughly around 20,000 points,
132. 4:54maybe a little over 10,000 to 20,000
133. 4:56points. And then, now it’s already
134. 4:58over 40,000 points, so it doubled. I
135. 5:00think buying the broad market index has
136. 5:02the lowest risk and is the best hedge
137. 5:04against inflation, so I showed the
138. 5:05investment returns to the kids, and
139. 5:07they were all very happy.
140. 5:08>> Huang Deng-hui generously revealed that
141. 5:10the primary target his children bought
142. 5:13is index-based ETFs.
143. 5:14>> Taiwan's future golden growth period is
144. 5:16something we are just beginning to see.
145. 5:20In fact, parents like Huang Denghui who
146. 5:22buy stocks for their children are not
147. 5:24in the minority. In 2025, the annual
148. 5:26growth rate of accounts opened for
149. 5:28children under 12 exceeded 30%, with an
150. 5:30average opening age of only six.
151. 5:32Breaking the East Asian tradition that
152. 5:34"owning land means having wealth,"
153. 5:36parents are now pursuing diversified
154. 5:38wealth investment.
155. 5:39>> When children grow up, they might not
156. 5:40necessarily want to live in the area
157. 5:42where you bought property. I think
158. 5:44maybe they might want to study abroad
159. 5:46or something in the future, so I feel
160. 5:48that cash is better. Stocks can be
161. 5:50liquidated at any time, and how they
162. 5:52want to use the money later is entirely
163. 5:54their own decision.
164. 5:55>> New train, we are singing on it.
165. 5:58>> I hear it, I hear it.
166. 6:00>> Also a mother of three, Tian, started
167. 6:02investing in the stock market for her
168. 6:04children three years ago, choosing ETFs
169. 6:06with more diversified risks. By the
170. 6:08time they grow up, it will have been at
171. 6:10least ten or more years, so I don't
172. 6:12really pay much attention to short-term
173. 6:14fluctuations.
174. 6:14>> Cultivating mini stock-geniuses from a
175. 6:16young age—it's not just Taiwanese
176. 6:17parents using stocks to promise their
177. 6:19children a future; it is also becoming
178. 6:21popular in South Korea to open
179. 6:22brokerage accounts for kids. The
180. 6:23birthday gifts parents give their
181. 6:25children are no longer
182. 6:27remote-controlled airplanes, but
183. 6:28Samsung stocks. Financial experts
184. 6:30suggest that you don't need to be
185. 6:32wealthy to start investing. If you
186. 6:36really want to begin, I recommend
187. 6:38starting with bookkeeping. First,
188. 6:42understand your spending habits, learn
189. 6:45to budget for fixed expenses, and start
190. 6:48making conscious, valuable choices for
191. 6:50your discretionary spending.
192. 6:53Specializing in assisting hundreds of
193. 6:55families with financial planning, they
194. 6:57point out that many investment tools
195. 6:59can be started with just a few hundred
196. 7:01dollars, and selecting targets can be
197. 7:03based on three principles: low internal
198. 7:05costs, large markets, and stable growth
199. 7:07. Have you placed your order today? The
200. 7:09Taiwan stock market hit a rare
201. 7:10historical high this year, leading many
202. 7:13parents to start planning investments
203. 7:15for their children. However, before
204. 7:17doing so, you must be aware of the trap
205. 7:19of gift tax. When parents help their
206. 7:21children invest in stocks, common
207. 7:23methods include direct transfers or
208. 7:25parents funding the purchases. Both are
209. 7:27essentially cash gifts, with an annual
210. 7:29tax-free allowance of 2.44 million per
211. 7:31person; amounts exceeding this must be
212. 7:34reported. Note, however, that
213. 7:35transferring stocks you already hold to
214. 7:37your children counts as a stock gift.
215. 7:40For these cases, regardless of the
216. 7:41amount, you must declare it before the
217. 7:43transfer can be made. In other words,
218. 7:45suppose parents give their child 1,000
219. 7:47shares of TSMC, and the closing price
220. 7:49on the day of the gift is 2,400 yuan,
221. 7:51totaling 2.4 million. Even though it is
222. 7:54below the 2.44 million tax-free
223. 7:55threshold, you still need to obtain a
224. 7:57tax-free certificate from the National
225. 8:00Taxation Bureau before the transfer can
226. 8:02proceed. Stocks like TSMC are my
227. 8:04foundation, so I have to hold those to
228. 8:07get by. If it's cash, you must declare
229. 8:10it afterwards, but if people don't know
230. 8:13that, they might cross the line. So we
231. 8:16suggest starting from the donor, for
232. 8:18example, you could give it at the end
233. 8:20of the year. Let time be a great ally
234. 8:27in building your child's wealth;
235. 8:29besides choosing investments, parents
236. 8:38must calculate tax exemptions and file
237. 8:40accordingly. President