為什麼留言區有人主張全部買0050而不是分散多檔？

Question

The core reason is capital efficiency. When monthly investable cash is around 20,000 New Taiwan dollars, many investors see little benefit in splitting that amount across too many exchange-traded funds. A single broad market-cap fund such as 0050 already gives exposure to Taiwan’s largest listed companies, so recurring purchases can stay simple and the position can grow faster through long-term dollar-cost averaging. In that setting, one fund can function as the main engine of asset accumulation, especially when the goal is to keep adding every month rather than constantly adjusting the portfolio.

Accepted Answer

Another reason is the concern over over-diversification. Several commenters argued that if principal has not yet reached the one-million-dollar level, holding too many funds can dilute each position too much. In practical terms, if 20,000 New Taiwan dollars is spread across 0050, 0052, 009816, and other thematic funds, each monthly allocation becomes small, and the portfolio may end up with overlapping holdings rather than true diversification. That is why some investors prefer to hold only one or two core ETFs in the early stage, because a simpler structure is easier to understand, track, and maintain over years.

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為什麼留言區有人主張全部買0050而不是分散多檔？

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