A Christmas Gift for Our Children: Building Initial Capital for Every Child — Opposition Parties Jointly Proposed  "TFA-Taiwan Future Account"

 

From January to November of this year, only 98,785 babies were born. Scholars project that the total number of newborns for the entire year will likely be under 110,000. Compared to the 213,000 births in 2015, the annual birth rate has plummeted by approximately 100,000 over the past decade. Even Tesla CEO Elon Musk has noted Taiwan's severe low fertility rate, sharing relevant news and stating that "the trend of population collapse is accelerating."

 

TPP Chairman KC Huang publicly disclosed that while the DPP government announced the establishment of the Executive Yuan’s "Office to Address the Declining Birth Rate" in 2017, requests for meeting records from the Executive Yuan and the Ministry of Health and Welfare have been met with evasion and stonewalling. It appears this so-called office does not actually exist. It is no wonder that under the DPP’s ten-year rule, the birth rate has continued to fall, ranking at the bottom globally. Insufficient birth rates will lead to a shrinking labor force, economic recession, increased social welfare burdens, reduced education and public services, insufficient national competitiveness, and a negative impact on national defense capabilities. While the ruling party engages in internal strife and negligence, the opposition parties will not sit idly by and watch this severe national security crisis unfold.

 

 

Let the state lend a helping hand to parents—invest in children, invest in the future! The Taiwan People's Party (TPP) and the Kuomintang (KMT) have finalized the policy formulation and will jointly propose the establishment of the #TaiwanFutureAccount (TFA)—For Kids, For Parents, For Future, For Taiwan. This is not a one-time subsidy, but a long-term investment. It allows the state to help children save their "first pot of gold" (initial capital). Let us tell our future leaders together: we are leaving you with the first asset for your future development!

 

Chairman KC Huang emphasized that what we leave to the next generation should not be debt, but rather a fair starting line for everyone. He called on the Executive Yuan and the ruling party to bravely propose a counter-proposal, hoping that the ruling and opposition parties can work together to do the right thing at the right time and invest national resources in the right people.

 

KMT Chairman Cheng Li-wun stated that Taiwan can no longer afford to be trapped in meaningless stagnation and internal attrition. We must pave a broad avenue for our children now. The planning and initial draft of the "Taiwan Future Account Special Act" are complete. These funds will ensure young people don’t have to worry about student loans or be distracted from their studies by part-time jobs, allowing them to fall in love with peace of mind and dare to pursue their dreams of studying abroad.

 

 

Taiwan Future Account (TFA) Overview

Legal Basis: "Taiwan Future Account Special Act," pilot program for 13 years.

Beneficiaries: Approximately 3.7 million people over 13 years.

Budget: Approximately NT$384.1 billion.

Eligibility: Children aged 0 to 12 with household registration in the Republic of China; retroactive for children under 12 as of September 1, 2025.

 

Funding & System

The account is owned by the child; established directly by the government (no account opening required).

The Ministry of Finance is responsible for system design and supervision, modeled after the New Labor Pension system.

Parents and enterprises are encouraged to make additional contributions.

Budget sources include the annual budget, excess tax revenue, accumulated fiscal surplus, and government debt issuance.

 

Deposit Mechanism

Government Contribution: An initial deposit of NT$50,000 for children under 12, followed by an annual deposit of NT$10,000 per person.

Voluntary Contribution: Guardians/parents can voluntarily add funds, capped at NT$10,000 per year.

Projected Assets at Age 18 (Calculated based on a 6% average annual return starting from September 2025):

• With NT$0 annual matching contribution: NT$339,000

• With NT$5,000 annual matching contribution: NT$457,000

• With NT$10,000 annual matching contribution: NT$561,000

 

Withdrawal & Investment Management

The account holder may withdraw funds only after turning 18.

Restricted Uses: Higher education or vocational training, entrepreneurship or skills investment, and down payment for a first home.

Investment & Risk Control: The initial fund scale is estimated at NT$113 billion, adopting a "delegated management, prudent investment model." Investment targets will mainly track the broader Taiwan stock market index. Restrictions include no limitation to specific industries or concepts, and leverage is prohibited. Additionally, political interference in investment targets is prohibited. Performance, management costs, and social responsibility reports must be published annually. Children can view their own accounts, and the system includes a minimum guaranteed return mechanism comparable to the New Labor Pension system.

 

Let parents see a future for their children and raise them with peace of mind!

 

Let the state lend a hand to parents—the Taiwan Future Account (TFA) helps children save their first pot of gold!