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Why do you need to understand ROI?
When making investment decisions, one of the most common questions investors ask is: How much can my money earn? The answer to this question is hidden in the metric called Return on Investment (ROI).
ROI, the full English name is Return on Investment, is a core financial indicator that measures investment profitability. Whether you're managing personal finances, evaluating company performance, or calculating advertising effectiveness on e-commerce platforms, ROI plays a decisive role.
Simply put: ROI is the profit generated from your invested capital, expressed as a percentage.
Return Rate Formula: The Core Calculation Method
To master ROI, you first need to understand the basic calculation logic.
The standard form of the return rate formula is:
ROI = (Net Profit / Total Investment) × 100%
Where, Net Profit = Investment Income -

What is Bitcoin Mining?
The essence of Bitcoin mining is simple: miners use mining hardware to keep records for the Bitcoin network, and the system rewards them with BTC as compensation. The "miner" here refers to the person operating the mining hardware, and the mining hardware is the physical device performing the computational tasks.
For example, if we think of the Bitcoin network as a system that needs to keep records 24 hours a day, then miners are the record-keepers, using computational power instead of pen and paper to automate this process.
How Mining Works: Proof-of-Work Mechanism
Bitcoin uses a "Proof-of-Work" (PoW) mechanism, and the entire process is divided into three core stages:
Transaction packaging and puzzle solving: BTC transactions on the network are organized into "blocks," and miners need to perform complex mathematical calculations to find a hash value that meets certain criteria. This process requires continuous attempts, similar to cracking a code.

In the forex market, euro trend forecasts often focus on the USD spot rate, but savvy traders have long been eyeing the EUR/JPY cross. Why? Because it offers much richer trading opportunities than the spot rate.
Why is EUR/JPY gaining attention?
EUR/JPY is one of the most traded currency pairs among the yen crosses, often exhibiting larger fluctuations and making it easier to generate excess returns.
For example, in March 2023, following the European Central Bank's interest rate hike of 0.5%, the market was surprised by the hawkish stance. The euro indeed strengthened, but since US interest rates remained higher than those in the Eurozone, the traditional EUR/USD saw limited gains. In contrast, EUR/JPY behaved differently — with Japan still implementing a zero interest rate policy and driven by interest rate differential trading, EUR/JPY surged 1.1% within just four hours after the decision, more than eight times the increase of the spot rate.
This is why

The Chinese Renminbi (RMB) is迎來 a turning point. What is the current trend of the USD to RMB exchange rate?
Since 2025, the RMB exchange rate has undergone a dramatic shift. After three consecutive years of depreciation from 2022 to 2024, this year the RMB finally reversed its downward trend, showing impressive recovery momentum. The USD to RMB exchange rate fluctuated between 7.04 and 7.3, appreciating by approximately 3% in total. During the same period, the offshore RMB (CNH) oscillated between 7.02 and 7.4, with greater volatility, reflecting ongoing international market concern about the RMB's outlook.
Most notably, after entering December, the RMB has shown a clear strengthening trend. The Federal Reserve's start of a rate cut cycle, increased market risk appetite, and other positive factors have combined to push the USD to RMB exchange rate firmly above the 7.05 psychological threshold. It has currently reached 7.0404, hitting a new 14-month high. What does this trend signify? Industry experts generally believe

Have you ever wondered if exchanging yen really only requires going to the bank?
Recently, the USD to JPY exchange rate in Taiwan has reached 4.85, and travel to Japan and JPY investments are booming again. But most people don't realize that just choosing the wrong exchange channel can cost an extra NT$1,500 to NT$2,000, equivalent to a week's worth of breakfast and lunch. Today, we will explain the latest JPY exchange methods in Taiwan so you can save unnecessary expenses.
Is it really cost-effective to exchange yen now?
By December 2025, the NT to JPY exchange rate has reached 4.85. Compared to 4.46 at the beginning of the year, it has appreciated by 8.7% over the year, which is a good exchange gain for Taiwanese investors.
But here’s the key—don’t be fooled by the exchange rate numbers. The real factor that determines how much you can save is the exchange method you choose.
According to market observations, Taiwan’s demand for JPY exchange has increased by 25% in the second half of the year, mainly driven by two forces: first, the resurgence of outbound travel, and second, capital

How fierce is this gold rally?
Since October 2023, gold has embarked on a spectacular upward trend. In just over a year, the price has surged from $2,700 to break through the $4,000 mark. Market analysis agencies predict that the average price of gold in 2025 may be around $3,400, and by 2026, it could potentially surpass $4,275.
Simply put, this round of gold price increase has already set a new all-time high, and it’s not over yet. The question is, many people are now stuck on one issue: Is it still a good time to buy gold? When is the cheapest time to buy? Is this pullback an opportunity or a trap?
Why does gold keep going up? There is only one fundamental reason
Gold itself does not generate cash flow; its price fluctuations are essentially driven by supply and demand. Why do supply and demand change? Ultimately, it’s because investors’ confidence in other assets is declining.
There are three main reasons behind this.

From Divergence and Damping to Reveal the True Face of RSI
In cryptocurrency trading, technical analysis is becoming increasingly important. The Relative Strength Index (RSI), as one of the most common analytical tools, is often misused by traders. Many people only know the overbought and oversold zones but do not understand the true performance of RSI under different market conditions. Especially the divergence phenomenon and damping issues of RSI often determine the success or failure of trades.
Core Logic of the Relative Strength Indicator
RSI (Relative Strength Indicator) measures the strength comparison between buying and selling forces in the market by comparing the magnitude of asset price increases and decreases over a period of time. Its core value lies in using a 0 to 100 scale to intuitively reflect the extremity of market sentiment.
RSI is widely used mainly because its calculation method is relatively simple and does not require complex mathematical operations. Compared to indicators like MACD, etc.

Basic Understanding of the US Dollar Exchange Rate
The US dollar exchange rate reflects the value comparison and exchange relationship between a certain currency and the US dollar. Taking EUR/USD as an example, if the indicator is 1.04, it means 1.04 US dollars are needed to exchange for 1 euro; when this value rises to 1.09, it indicates the euro has appreciated and the dollar has depreciated; if it drops to 0.88, the euro has weakened and the dollar has strengthened.
The US Dollar Index is composed of the exchange rates of six major international currencies (Euro, Japanese Yen, British Pound, Canadian Dollar, Swedish Krona, Swiss Franc) against the US dollar. The index level reflects the relative strength or weakness of these currencies against the dollar. It is important to note that if the monetary policies of different countries are highly aligned with those of the US, the US Federal Reserve's rate cuts may not necessarily lead to a decline in the dollar index; instead, it depends on whether the currencies of the countries involved are taking measures simultaneously.
The Eight Major Historical Cycles of the US Dollar: Understanding Long-term Evolution Patterns
Since the collapse of the Bretton Woods system in 1971, the US dollar index has experienced

This article analyzes the core concepts and future prospects of the US dollar exchange rate, including the trend of the US Dollar Index, the impact of major currency pairs against the dollar, and investment strategies. The US dollar has recently experienced a downward trend and is expected to remain under pressure, especially amid rising expectations of Federal Reserve rate cuts. The trends of different currency pairs vary, and the analysis looks ahead to investment layouts in 2025, emphasizing the importance of strategy flexibility and data-driven decision-making.

The US interest rate hike has a profound impact on Taiwan, leading to a depreciation of the New Taiwan Dollar, increased import costs, and capital outflows. The Taiwan stock market has declined due to reduced funds and higher corporate financing costs, but financial stocks may benefit. As expectations for the Federal Reserve to cut interest rates rise in the future, investors should adjust their strategies to seize market opportunities.

Many new investors in Taiwan, when first entering the overseas stock market, often find themselves confused by various professional terms. Among them, "discretionary trading" is the most common introductory topic. What exactly does discretionary trading mean? Why do so many people use it to buy US stocks? This article will start from zero to help you analyze the operation mechanism, cost structure, and how to determine whether it is suitable for you.
Discretionary Trading Meaning Explanation: The "Agent" System for Taiwanese Investing in Overseas Stocks
Simply put, discretionary trading is "the business of entrusted buying and selling of foreign securities." When you place an order through a domestic broker's discretionary trading account, it does not go directly to the US exchange. Instead, the domestic broker forwards your order to overseas partner brokers, who then execute the trade in the overseas market.
This "intermediary forwarding" process is the origin of the term "discretionary trading"—your order passes through multiple handovers rather than being executed in one step. Through a discretionary trading account,

Why Did International Silver Prices Skyrocket? The Five Driving Forces for 2025
Since the beginning of the year, international silver prices have surged from a low point to $65 per ounce, hitting a ten-year high with an increase of over 120%. This is not a coincidence but the result of multiple factors resonating.
Industrial demand is the true engine of silver. Unlike gold, which is purely a safe-haven asset, silver is widely used in solar panels, electric vehicle batteries, semiconductors, 5G communications, and AI data centers. 2025 is precisely a critical year for green energy transition and large-scale AI infrastructure expansion. From H100 to the latest generation of AI chips packaging, silver usage has increased by approximately 20% compared to traditional chips. This rigid demand is profoundly changing the properties of silver—it is no longer just a precious metal but also a growth-oriented industrial metal.
Continuous tight supply on the supply side provides strong support. The silver market has experienced supply shortages for five consecutive years, with cumulative shortages

The first step to entering the cryptocurrency market is choosing a reliable trading platform. There are many exchanges on the market, but not all are safe and trustworthy. The collapse of FTX is a stark lesson—a once $32 billion valuation leading exchange, due to management casually misappropriating user funds, ultimately left customers with nothing. This incident serves as a warning to all investors: choosing the right exchange is crucial.
This article will analyze how to select a virtual currency exchange from six core dimensions and provide a detailed comparison of the top global platforms.
Six Core Standards for Choosing a Crypto Trading Platform
Before diving into the major exchanges, you must first clarify: what makes a "good platform"?
1. Legal Regulatory Qualifications
Whether an exchange has obtained licenses from local or international regulatory authorities is critical. Platforms operating without licenses face risks of being shut down or having funds frozen at any time. Exchanges that operate compliantly are usually granted by financial regulatory agencies

Have you ever wondered why a single statement from a central bank official can cause currencies to soar or plummet? The secret behind this lies in the concepts of hawkish and dovish.
First, understanding what hawkish means is essential to interpreting central bank actions.
Many people are confused when they hear the terms "hawkish" and "dovish." Simply put, hawkish refers to policymakers who favor raising interest rates to control inflation, while dovish indicates the opposite.
Here's a concrete example to clarify — in 2022, US inflation reached its highest level in 40 years. The Federal Reserve adopted a hawkish stance, continuously raising interest rates to suppress prices. In contrast, during the COVID-19 outbreak in 2020, global central banks became "dovish," significantly cutting rates and releasing liquidity to rescue the economy.
Why are central banks categorized as hawkish or dovish?
This relates to the three main missions of central banks: stabilizing the economy, controlling inflation, and maximizing employment. But there's a contradiction — controlling inflation often means sacrificing employment and growth.

BlackRock's Entry Reshapes the Landscape, Institutional Funds Drive ETH to New Highs
The world's largest asset management firm, BlackRock, recently submitted an S-1 filing for iShares Ethereum Staking Trust (ETHB) to the SEC. This move marks the official entry of traditional financial institutions into the Ethereum staking ecosystem. The ETF product innovatively combines ETH price appreciation with staking rewards, creating a dual return mechanism, and has received enthusiastic market response.
Ethereum (ETH) has thus ushered in a new wave of upward momentum. According to the latest data, ETH

Bitcoin Encounters Worst Sell-Off in Three Months
The crypto market experienced a sharp correction on Monday (December 1). Bitcoin plunged over 8% intraday, breaking below the $84,000 mark, marking the most severe single-day decline since March. Ethereum also declined about 10% to a low of $2,719, and Solana was not spared, with a similar drop. This swift, waterfall-like decline not only impacted the crypto ecosystem but also spilled over into the entire US stock market through risk asset contagion effects.
According to the latest data, the current Bitcoin price is 87.62K (a slight increase of 0.04% over 24 hours), Ethereum is 2.94K (down 0.84%), and Solana is 122.41 (down 0.90%). Crypto-related listed companies suffered heavy losses, with Coinbase and MicroStrategy experiencing particularly dramatic declines, reflecting a rapid deterioration in market risk appetite.
Leverage liquidations are severe

Japan, as the world's second-largest economy, has the Japanese Yen (JPY) as an important player in the international financial markets. Whether it's hedge funds, central banks, or ordinary investors, no one can ignore the profound impact of the USD/JPY relationship on global markets. Especially in recent years, the Yen's exchange rate has experienced volatile fluctuations, directly affecting investment opportunities in the Asian region. This article will systematically analyze the characteristics of the Yen, the logic behind the USD/JPY trend, and how investors should seize this opportunity.
Why the Yen is the Third Largest Trading Currency in the World
The Yen code JPY is Japan's legal tender and ranks third in international foreign exchange market trading volume, following the US dollar and the euro. This status is not accidental but stems from Japan's stable economic foundation and its unique market position.
In the foreign exchange market, USDJPY (US dollar against Yen) is one of the most traded currency pairs, ranking second globally. This means that the USD/JPY relationship's