Azimut Sinopro is Taiwan's premier IFA-based financial planning leader, walking with 5,000+ Taiwanese families through 30 years of their financial journeys — backed by Azimut Group, Europe's largest independent asset manager.
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Financial Planning Why Must I Plan My Finances?
We Are Entering a Super-Aged Society
Years from now, our children will read in textbooks: “2021 was the year Taiwan’s population peaked at 23.61 million. And then…”
By 2025, Taiwan will become a super-aged society — over one-fifth of the population aged 65 or older. By 2028, the demographic dividend is projected to end. In roughly 30 years, Taiwan’s population may shrink to 15 million, with one working-age adult supporting one elderly person.
Why Must I Plan My Finances?
Inflation Is a Serious Threat
Inflation is nothing new. Thirty years ago, a large order of fries cost NTD 32; today it costs NTD 65 — more than 100% increase. As we’ve grown from teenagers into adults, annual household medical spending has risen at an average of 3.4% per year. By 2020, per capita healthcare spending reached NTD 50,000, with lifetime medical costs projected at NTD 4.27 million.
Worse still, healthcare costs rise with age, and the fragile finances of National Health Insurance mean higher premiums with less coverage. We have more fry-eating years ahead than we realize, and those fries will one day cost over NTD 100.
Why Must I Plan My Finances?
Wealth Distribution Is Polarizing Sharply
The Gini coefficient shows Taiwan approaching the international warning threshold of 0.4. The result of this M-shaped society: Taiwan’s middle class is shrinking, and low-income families find it increasingly difficult to achieve even modest financial comfort.
Tax data from 2021: the top 1% holds 24.5% of Taiwan’s wealth; the top 10% holds 57.7%. Ninety percent of the population owns just 40% — and the trend is worsening. Economic security in old age is a genuine concern. This is not alarmism.
The numbers make it clear: without proper financial planning, our dignity in old age is at stake.
Plan First, Then Invest
- Plans may not keep pace with change — but without a plan, you can’t face change at all.
You’re more vulnerable to financial ruin than you think.
An unforeseen accident, a natural disaster, or even a personal obligation can devastate your finances. Overestimating our abilities and underestimating risk is human nature. When your family’s long-term financial security is at stake, there is no going back.- It’s not entirely your fault that you can’t save money.
Research shows that people are not good at thinking about the distant future or preparing for it in advance. The clearest example: people want to save and agree that saving matters, yet the results often fall short — precisely because we struggle to plan for distant, uncertain happiness. Only a financial plan designed around our short-, medium-, and long-term needs can bring us closer to the future well-being we truly need.
- Whatever you do, don’t just leave your money in the bank!
Taiwan’s average savings rate is 24.5%. What do you think?
We believe money should work as our servant — and we should avoid becoming a servant to money. Yet most of us let a large portion of our money sit idle in the bank, while the rest is spent and gone forever.
Unfortunately, money sitting in the bank can never work efficiently — because deposit interest rates can never outpace the threat of rising prices.- When is the best time to start financial planning?
The moment a person can think independently marks the starting point of life-long financial planning — a journey that continues until the very end. It begins with how we view money and starts small, with cash management. In other words, financial planning begins the day we are born. But when is the best time to start?
We believe the best time, besides earlier, is right now!
Reach Your Financial Goals With Your Advisor
Investing isn’t hard?
For most people, it really is.
Life-style Financial Planning
When It Comes to Money,
We Are Emotional Beings
We all have the instinct to seek safety and avoid danger — and we know to follow it. But applying this survival instinct to investing leads to confusion and failure. The habitual pattern of buying high and selling low among stock investors is the inevitable result of following our fight-or-flight instincts. In other words, when we do harmful things together with everyone else, we feel not fear, but a false sense of security.
Winning Investors Are Few —
A Financial Guide Stays with You for Life
What do most people hope to gain from financial institutions? Simply put, professional guidance to improve their finances. Yet the thousands of disputes filed annually with the Financial Ombudsman Institution reveal why so many of us have had unpleasant experiences dealing with financial institutions.
Financial Planning
1. Advisor Expertise: To address the common financial-literacy gap among clients.
2. Long-term advisor companionship: financial behavior management and emotional reassurance.
3. Advisor partnership model: aligned with the client’s long-term interests and position.
We must fully recognize that, in financial planning, the prerequisite for the buyer to remain in a strong position is understanding where the seller’s profits come from. If the seller relies on fees from the buyer’s investment process — such as transaction fees, premiums, or fund management fees — the inherent conflict of interest makes it difficult to ensure the buyer’s long-term interests are reasonably protected.
成為
Who You Want to Be
Clients served under a competent professional financial planning advisory team consistently report exceptional satisfaction in international IFA industry surveys. Over time, these clients steadily progress from financial sufficiency to surplus — becoming genuinely wealthy, both inside and out.
Those who receive long-term financial planning advisory tend to share several characteristics: high self-reported life satisfaction, a clear financial plan, and strong command over the key dimensions of their lives — career, health, leisure, social life, finances, and relationships.
