The Taiwan Academy of Banking and Finance (TABF) put confidence in financial products and services at 64.1% in 2026; CNA reported it rose from 38.9% in 2024 as emergency investment options gained ground.
CNA and United Daily News reported that 86.5% of respondents felt household income could cover daily expenses, while 51.6% had savings sufficient for at least six months of basic living costs.
About 72% said they would use personal savings or turn to family and friends for emergency funds, down from about 80% in earlier surveys. CNA and United Daily News said the share of respondents naming stock or mutual-fund sales, insurance-backed loans or bank borrowing as emergency options climbed by 3.8, 5.2 and 10.6 percentage points, respectively.
TABF committee member Cheng Han said the shift suggested respondents were becoming less cautious about stock investment, CNA reported. He recommended a cash buffer covering three to six months of living expenses, warning volatility could leave investors selling assets at a loss.
CNA reported TABF interviewed 36 student investors at universities, ages 19 to 26; some saw investing as a way to keep inflation from eroding their savings. Cheng said students described concerns that “money in the bank will be eaten away by inflation,” according to CNA. CNA also reported TABF cautioned that fractional-share trading could make it easier for young investors with limited capital to take on high-risk products.
TABF said it commissioned a phone survey that randomly interviewed people over landlines and mobile phones from June 15-26, 2026. CNA reported 1,070 people ages 18 and older participated; the estimate carried a 3-point margin of error with 95% confidence.
