TAIPEI (TVBS News) — CTBC Bank (中信銀行) released a comprehensive white paper Tuesday (Sept. 30) identifying critical financial challenges as Taiwan becomes a super-aged society with 20% of citizens over 65. The report highlights three major issues: inadequate financial preparation, caregiving burdens concentrated on single family members, and escalating later-life challenges. Taiwan officially entered super-aged society status in 2025, intensifying pressure on families to address long-term financial planning.
CTBC Bank commissioned PwC Taiwan (資誠聯合會計師事務所), a major accounting firm, to survey over 1,000 respondents aged 35 and above regarding family financial roles. The findings revealed widespread inadequate long-term planning for retirement, asset allocation, and inheritance among Taiwanese households. Half of caregivers identified the dual burden of work and caregiving as their primary stressor, with responsibilities concentrated on single family members.
The Ministry of Health and Welfare (MHW, 衛福部), Taiwan's health ministry, reported 2023 statistics showing average life expectancy of 80.2 years versus healthy life expectancy of 72.4 years. This eight-year gap represents an extended period of potentially declining health requiring substantial financial resources for care. CTBC Bank recommended individuals increase savings, establish stable passive income, and prepare dedicated health and care funds in advance.
CTBC Bank commissioned PwC Taiwan (資誠聯合會計師事務所) to survey over a thousand respondents, focusing on family roles among those aged 35 and above. The findings revealed that many households lack sufficient long-term planning for retirement, asset allocation, and inheritance. CTBC Bank noted that caregiving responsibilities often fall on a single member, with 50% of caregivers identifying the dual burden of work and caregiving as their primary stressor.