Debate over asset allocation and add-on picks centered on market-cap ETFs is lively in Taiwan, udn reported on the 23rd, with some saying 'one good ETF is enough' and others preferring to add individual stocks.

Market-cap ETFs track the whole market, offering broad diversification and low cost, and are widely used for long-term, regular investing.

Still, some argue a market index alone may miss gains in specific growth areas, so a few add quality stocks or thematic products as complements.

Experts stress allocation matched to goals and risk tolerance, reiterating that simplicity and diversification favor long-term investing.

This paper balances investment information but does not recommend buying or selling any product, making clear the decision rests with the individual.