The point is that if you don't even have much left for investment after having to pay for mortgage and other living expenses, what you know where to invest is useless. There is something wrong about Taiwan's tax system. There are people who make high income (earning, not from investment) but never pay a single cent in tax for past decades. Underground economy in Taiwan is much more common than people realize. Without proper tax revenue, there is not enough money left for government to help low income families.