The new labor pension system is impacted by 'undistributed earnings for the year,' making the timing of claims critical. Reports indicate that due to U.S. tariff policies, Taiwan's labor fund suffered a loss of NT$134.9 billion in April, with the new labor pension fund accounting for NT$130.54 billion of that, resulting in an average loss of NT$10,103 per worker, alarming those approaching retirement.

It is vital to note that if workers choose to claim their pension in June, they may face significant losses since the earnings distribution for January to June has not yet been announced. The payout will be based on the earnings rate as of April 30. For instance, if the account is NT$1 million, based on an estimated return of 16.16%, one could expect NT$1.16 million; however, if the actual return is -2.7624%, the payout could drop to about NT$980,000, a loss of NT$180,000.

Retirement planning expert CFP Ye Jun-You emphasizes that 'undistributed earnings for the year' change with market fluctuations and advises workers to check the latest monthly earnings rate on the labor fund's website before claiming. If it is negative, they should consider delaying their claim. Those opting for monthly withdrawals will not be affected.