
美國科技與半導體股價受中期選舉影響劇烈震盪,台積電等企業承壓。文章提醒退休高齡者缺乏穩定收入,投資虧損可能耗盡一生積蓄,並呼籲政府與金融機構以高齡友善語言揭露最壞情境,建立冷靜期與異常交易關懷機制,社區結合防詐與理財教育,家人多陪伴少責備。
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美國科技與半導體股價受中期選舉影響劇烈震盪,台積電等企業股價承壓。AI浪潮帶來成長想像,也提醒科技投資的風險最終會落在每個家庭身上,特別是退休後缺乏穩定收入的長輩。
近日美國科技與半導體股價受到美國期中選舉影響,劇烈震盪;示意圖。(資料照)
近日美國科技股與半導體市場劇烈震盪,台積電等企業股價承壓。AI浪潮帶來成長想像,也提醒我們:科技投資的風險,最終會落在每個家庭身上。其中最容易被忽略的,是退休後缺乏穩定收入的長輩。
對年輕人而言,投資虧損或許還有工作收入與時間彌補;但對許多高齡者來說,一生積蓄就是往後的生活費、醫療費與長照準備金。面對物價上漲、壽命延長,長輩真正害怕的未必是無法致富,而是「錢會不會比生命更早用完?」
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這份焦慮,也可能成為詐騙集團利用的弱點。假投資群組、冒牌理財專家、保證獲利話術,往往將退休的不安全感包裝成「穩定被動收入」的承諾。更值得警惕的是,某些合法卻高度複雜的金融商品,也可能因高配息而掩蓋本金損失、流動性不足與連結標的同步下跌的風險。
必須分清楚:合法投資不等於詐騙,但合法商品也不一定適合每位退休者。
對沒有持續薪資的高齡者,投資適合度不能只看風險問卷,更要考量必要生活支出、緊急預備金與真正承擔損失的能力。
政府與金融機構應以高齡友善語言揭露最壞情境,建立合理的冷靜期與異常交易關懷機制;社區據點可結合防詐與理財教育,協助長輩辨識假群組、假專家與不合理的高報酬承諾。家人則應少一點責備,多一點陪伴:反覆看盤、擔心賠錢,有時不是貪心,而是害怕生病後無錢可用,甚至拖累子女。
退休高齡者投資,政府與金融機構應以高齡友善語言揭露最壞情境;社區據點則可結合防詐與理財教育,協助長輩辨識假訊息。(本報製圖)
衡量高齡社會的幸福,不該只看平均壽命,也應看長輩能否安心、有尊嚴地度過人生下半場。AI創造的經濟成長值得期待,但讓高齡者不必拿養老金冒險,才是金融治理更重要的進步。
(作者為社團法人居家健康關懷公益協會副理事長、社團法人台灣高齡醫動養學會副秘書長)
The modern agricultural science and technology innovation port jointly built by Hunan Agricultural University and Changsha Longping Industrial Development Zone was unveiled. The first batch of 10 incubation projects and 10 technical research projects were signed. Academicians and experts were hired as chairman members of the industrial advisory committee, and expert professors served as vice presidents of science and technology, aiming to promote campus-site integration and the transformation of agricultural science and technology achievements.

Gold prices fell about 4.5% this week, recording their worst weekly performance since early June. Spot gold rose 0.1% on Friday to $3,879.71 an ounce, but fell 3% on Thursday to its lowest level in more than a year. The U.S. PPI data was in line with expectations, and the market predicted a 91.4% chance of the Federal Reserve raising interest rates by 25 basis points in December.

International oil prices weakened on Friday, falling for a second consecutive week. Brent crude oil futures closed at $95.84 a barrel, up 2 cents; WTI futures closed at $88.56 a barrel, down 18 cents. Both major crude oil prices fell by about 2.5% this week. The market is worried about global oil supply glut, the United States is focusing on blocking Iran, and geopolitical risks are reduced.

A super factory in Chongqing's Liangjiang New District with an annual production capacity of 700,000 vehicles ensures vehicle quality through smart manufacturing details such as AI quality inspectors' "small competition", screw torque one-vote veto, and 0.5 mm gap tolerance. More than 3,000 industrial robots collaborate in the factory, and key processes are 100% automated. A single production line supports nearly 90 configurations of mixed production. According to data from the China Association of Automobile Manufacturers, China's automobile production will be 34.53 million units in 2025, ranking first in the world for 17 consecutive years, and the production and sales of new energy vehicles will exceed 16 million units.

Huida founder Huang Renxun resigned as CEO due to an extramarital affair controversy. Chief Financial Officer Chris took over temporarily. The board of directors commissioned an investigation by a former federal prosecutor. The Financial Times reported that the board of directors had contacted ARM CEO Haass to explore the possibility of succession, but the board of directors denied formally contacting any candidates. Internal candidates include Chris and Buck, while external candidates include Su Zifeng, Melotra, Murphy and Sluji.

BMW in the United States announced a recall of 720,796 vehicles, involving a variety of models manufactured from 2012 to 2017, including the 3 Series, 5 Series, X1, Z4, X3, etc. These vehicles pose a risk of catching fire when parked with the ignition turned off, and NHTSA urges owners to park their vehicles outdoors, away from other vehicles and buildings, until repairs are completed. These models had previously been recalled due to water pump problems, but BMW still received 10 fire reports.