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Return on Investment (ROI) is a concept that everyone participating in the financial markets must understand. Whether you're a stock investor, CFD trader, or advertising professional, learning how to calculate ROI can help you make smarter decisions. This article will delve into the meaning of ROI, methods to calculate ROI, and how to optimize your investment portfolio through it.
What is Return on Investment (ROI)? Why learn how to calculate ROI?
Return on Investment (ROI) is a key financial metric that measures investment efficiency, expressed as a percentage indicating the return on invested capital.
Simply put, ROI answers a core question: how much can I earn back for every dollar I invest? This metric is widely used in personal financial planning, business profitability assessment, and comparing the efficiency of different investment methods.
Whether in traditional financial markets or emerging trading fields

U.S. stock investors generally favor the S&P 500 Index (S&P 500) because it covers large companies and reflects market trends. Investment methods include ETFs, futures, and Contracts for Difference (CFD). Long-term investors are suitable for low-cost ETFs, while short-term traders may consider futures or CFDs, which come with high risk and high reward. Beginners should start with ETFs, master investment skills, and then expand to other tools. Choosing the right investment method is crucial for achieving wealth growth.

The Australian dollar, as one of the top five mainstream currencies by global trading volume, boasts ample liquidity and low spreads. Theoretically, it should attract significant capital inflows. However, the performance over the past decade has been disappointing—AUD/USD has depreciated from around 1.05 in early 2013 to today, a decline of over 35%. What exactly has happened behind this?
Fundamental Logic Behind AUD Decline: Super Cycle of the US Dollar vs. Commodity Demand Deterioration
To understand why the AUD has been under long-term pressure, we need to look at the macro landscape. During the same period, the US Dollar Index (DXY) rose by 28.35%, while the euro, yen, and Canadian dollar also depreciated against the dollar—indicating that the weakening of the AUD is not an isolated phenomenon but a natural result of the global shift into a "Strong Dollar Cycle."
The AUD is essentially a commodity currency, highly sensitive to China's economic momentum and commodity prices. When China's economic growth slows and global trade faces pressure, Australia's export advantages (iron ore, coal, energy) are affected.

As the crypto market recovers, airdrop projects have become a low-cost, high-return investment avenue. Project teams attract users through airdrops to boost ecosystem activity. Investors need to evaluate project funding, develop participation strategies, pay attention to different types of airdrops, and strengthen actual interactions. In the future, airdrops will increasingly focus on users' genuine value contributions.

Limit up and limit down are important concepts in the stock market, reflecting sharp fluctuations in stock prices and market sentiment. Understanding their definitions, judgment methods, trading strategies, and control mechanisms in global markets can help investors stay rational when facing market volatility, choose appropriate trading tools and strategies, and reduce risks.

Why not just pursue 100x coins
Many novice investors face an enticing question: since altcoins rarely go to zero during a bull market, why not aim directly for the highest return 100x coins? This idea seems reasonable, but it overlooks the brutal reality of the market.
Targeted 100x coins are often projects with extremely small market caps that are not widely recognized. These coins carry two extreme possibilities: either they skyrocket and exceed 100x, or they perform mediocrely during a bull market, even resulting in losses. The risk of the latter comes from multiple factors—lack of sufficient funding attention, insufficient backing from institutions, or major mistakes by the project team. Even if the bull market is hot enough to temporarily support the coin's price, the project's fundamentals may have already collapsed, waiting only for the bull market to end and for liquidation to occur.
For this reason, smart investment allocation should be a "dual-track" approach: low-risk 10x coins to ensure a minimum return during the bull market, and high-reward 100x coins to pursue breakthroughs at the upper limit. Ten

The Australian dollar has depreciated by over 35% in the past decade, mainly due to US tariff policies, the loss of interest rate advantage, and declining domestic economic attractiveness. Although a rebound may occur in the short term, three conditions must be met: a hawkish shift in RBA interest rate policy, improvement in the Chinese economy, and a weakening US dollar. The future trend is uncertain, with divergent market analysis opinions, but overall, it remains bearish.

In recent years, Taiwanese investors have been increasingly interested in the US stock market, and choosing the right app to buy US stocks is very important. When evaluating platforms, factors such as transaction costs, user experience, customer support, and security should be considered, and the platform should be selected based on individual needs. Additionally, beginners should be cautious to avoid pitfalls, practice simulated trading to familiarize themselves with the operation process, and continue learning to ensure long-term gains.

The recent policy shift by the Bank of Japan is triggering a chain reaction in the financial markets. The USD/JPY exchange rate continues to rise, reaching a high of 157.78 on Thursday (November 20), just a hair's breadth away from the 158.0 threshold, marking a new high since mid-January. Behind this rally lies a deep contradiction between Japan's economy and its policies.
Economic Weakness and the Dilemma of Stimulus Measures
Japan's recently released third-quarter GDP data is concerning. On a quarterly annualized basis, GDP declined by 1.8%, marking the first negative growth in nearly six quarters and highlighting insufficient economic growth momentum. Facing this predicament, the Japanese government is planning a large-scale economic stimulus package, which is expected to be officially announced on Friday.
According to market expectations, the new Prime Minister Sanae Takaichi's government intends to add approximately 14 trillion yen to the budget for this fiscal year, a scale that already exceeds last year's 13.

Starting next year, the United States will implement a 1% tax on certain cross-border fund flows, mainly targeting international remittances paid in cash or physical assets. Electronic payment methods are temporarily unaffected. This policy is part of the Trump administration's tax reform, involving overseas remittance activities. The treatment of transfers using cryptocurrencies still needs further clarification.

The Year That Wasn't for ADA
As Cardano heads into 2026, the numbers tell a sobering story. After starting the year with considerable optimism around its layer-1 infrastructure potential, ADA has retreated over 63% from its 2025 opening price. This extended bearish performance positions Cardano

The RMB has recently appreciated to a new high in 2024 against the US dollar, with bullish market sentiment intensifying, mainly driven by a weakening dollar, central bank guidance, and the year-end foreign exchange settlement wave. Several investment banks are optimistic about the RMB continuing to appreciate in 2026, emphasizing foreign capital inflows and geopolitical factors. If the appreciation is not balanced with export competitiveness, it will face pressure.

Why the Japanese Yen is Worth Paying Attention To
In the Asian investment market, the status of the Japanese Yen far exceeds what most people imagine. Many Taiwanese investors regard the Yen as an important asset allocation tool, even considering it alongside the Hong Kong dollar and US dollar.
Travel and Practical Spending
Japanese travel and consumption habits primarily involve cash transactions (credit card penetration is only 60%). From shopping in Tokyo and Osaka to skiing in Hokkaido and vacationing in Okinawa, there is a high demand for cash. Additionally, consumers purchasing Japanese cosmetics, clothing, and anime merchandise directly also need to pay in Yen. For those planning to study or work in Japan,提前规划汇兑 can effectively reduce costs caused by sudden fluctuations.
Financial Asset Attributes
The Yen has long been one of the world's three major safe-haven currencies (alongside the US dollar and Swiss franc), due to Japan's stable economy and low government debt levels. During market turbulence, funds tend to flow heavily into the Yen—during the Russia-Ukraine conflict in 2022, the Yen appreciated by 8% in one week, effectively hedging against stock market volatility.

▶ Why Have Biotech Stocks Become the Preferred Hedge?
As we move into 2023, the global economy faces multiple challenges—geopolitical conflicts triggering an energy crisis, aggressive interest rate hikes by central banks causing asset volatility, and frequent financial institution risk events. Against this backdrop, investors are beginning to seek stable asset allocation strategies. The reason biotech stocks are gaining attention is due to their unique anti-cyclical characteristics.
The performance of the SPY.US tracking the S&P 500 index and the XBI.US tracking biotech stocks over the past year shows a stark contrast—when the broader market is under pressure and declining, biotech stocks demonstrate greater resilience. This is no coincidence. The performance of biotech companies mainly depends on the progress of new drug development, rather than macroeconomic fluctuations. Therefore, during periods of rising market risk, biotech stocks often maintain an independent trajectory. Simply put, biotech stocks have strong anti-inflation properties and tend to outperform during economic downturns, which is precisely what makes them attractive.

Market participants are wrestling with conflicting signals as Bitcoin continues its sideways grind near the $91,000 level, forming a classic wedge pattern that reflects the lack of conviction heading into 2026. The king of crypto has repeatedly bumped against $90,000 resistance only to retreat, a

Geopolitical tensions, particularly in the Middle East and Venezuela, are driving a surge in global crude oil prices. Concerns over potential military actions against Iran and U.S. sanctions impacting Venezuelan exports are heightening supply anxiety, reversing recent market trends.

Precious metals have performed strongly recently. On December 24th, gold broke through the $4525/oz mark, and silver also hit a historic high of $72.59/oz. From the beginning of the year to now, gold and silver have increased by 72% and 145%, respectively, and the upward momentum is significant.
Why are institutions optimistic about gold?
Institutions like JPMorgan and Yardeni Research have recently raised their gold price forecasts intensively, and the underlying logic is worth noting. On one hand, global central banks continue to increase gold reserves, becoming a long-term support for prices. On the other hand, investors, amid escalating geopolitical risks and increased exchange rate volatility, are diversifying assets by allocating to gold. Fluctuations in exchange rates such as the RMB exchange rate and the US dollar index have also boosted the attractiveness of dollar-denominated precious metals.
How to view the price targets?
JPMorgan expects that gold prices will be in the fourth quarter of 2026

Gold, as a traditional safe-haven asset, can both hedge against inflation risks and serve as a diversification tool in an investment portfolio. If you want to participate in the gold market but do not wish to hold physical gold directly, gold ETFs are a flexible and low-cost option. This article will analyze the investment logic of gold ETFs, product types, and how to select suitable targets in the Taiwan and US stock markets.
What is a Gold ETF? Understand the three main types at a glance
A gold ETF is a fund listed and traded on an exchange, with gold-related assets as its tracking target, characterized by relatively low volatility. Depending on the underlying assets tracked, gold ETFs can be divided into three main categories:
Physical Gold ETF directly holds physical gold and is custodied by professional institutions, with investors indirectly owning the corresponding gold shares proportionally. Typical representatives include GLD (SPDR Gold Shares).
Derivative Gold ETF invests through financial derivatives to gain exposure to gold.