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The euro's performance against the US dollar in 2023 was flat, and the market landscape changed after entering 2024. The euro's trend is influenced by factors such as geopolitical issues, the US presidential election, and economic fundamentals. It is expected to slightly rise in the first half of the year, decline in the second half due to election expectations, and possibly rebound by the end of the year. Investors should adjust their strategies based on policy changes and inflation data.

Why Invest in Crude Oil? Risks and Opportunities Coexist
As the cornerstone of the global economy, crude oil prices are highly volatile, attracting countless investment institutions and individuals. As a non-renewable strategic resource, crude oil has limited supply, and its volatility creates profit opportunities for investors—but it also hides traps.
Online, you often see people claiming that crude oil investment is a scam. In fact, crude oil itself is a legitimate trading commodity; the problem lies in the fact that many scam groups exploit the topic of crude oil investment to deceive online, causing innocent investors to suffer significant losses.
The high-risk nature of crude oil comes from multiple factors: prices fluctuate dramatically daily, influenced by supply and demand, geopolitical issues, economic policies, and more. Certain investment methods (such as futures and contracts for difference) use leverage, which can lead investors to face huge losses in a short period. But precisely because of this volatility, it also provides profit opportunities for savvy investors.

Every four years, the U.S. presidential election is not only a political event but also has a significant and far-reaching impact on the global stock market. So, do stocks rise during elections? This question involves complex market patterns and historical data support.
The Basic Cycle of U.S. Elections
The U.S. presidential election occurs every four years. The entire election process is divided into four stages: from the primary phase between February and June, where the Democratic and Republican parties select their candidates through primaries and caucuses; in July and August, the national conventions are held to finalize the candidate lists; then the general election phase begins, where voters in each state cast their ballots; finally, the winner is decided by 538 electoral votes, with more than 270 votes needed to win, and the elected president is inaugurated in January of the following year.
Do stocks rise during elections? What does historical data say?
According to research by American bank analysts on market data since 1930, there is a relatively regular cyclical pattern between elections and the stock market.

Global stock markets generally declined on Friday, with the three major U.S. stock indices all below the previous day's close. Bitcoin and Ethereum saw slight increases, gold rose modestly, and the crude oil market remained weak. The rise in U.S. Treasury yields has sparked inflation concerns. Broadcom's earnings exceeded expectations, increasing the risk of Oracle bonds. Additionally, relations between the United States and Belarus improved, while Trump expressed uncertainty about the political situation.

Many investors who have just entered the stock market are confused by these three concepts: What exactly does being listed or OTC mean? Why are some stocks traded in Market A and others in Market B? What happens if you choose the wrong one? Today, we will break down the fundamental differences among these three forms of listing and OTC to help you quickly find the investment approach that suits you.
Quick Introduction: What do Listing, OTC, and Emerging Market mean?
Listing = Official Registration
In Taiwan, listing means a company is listed on the "Taiwan Stock Exchange" (TWSE). The concept of listing also exists in the US stock market—companies are listed on the New York Stock Exchange (NYSE) or NASDAQ.
Listed companies need to pass an approval process, with financial reports made public, quarterly disclosures required, and strict regulation by the Securities and Exchange Commission. Companies that do not meet these requirements will be delisted. Because of these standards, listed companies are usually large-scale, operationally mature, and have high financial transparency, like TSMC, Delta Electronics,

In recent years, geopolitical risks have intensified and inflation issues have continued to ferment, prompting many to turn their attention to traditional safe-haven assets like gold. The problem is, there are many ways to invest in gold—some hold physical gold bars, others trade paper gold in accounts, and some rely on leveraged contracts to speculate on short-term price differences. How can you buy gold in the most cost-effective way? This article outlines five mainstream gold investment channels, comparing their risks, costs, and returns to help you find the method that suits you best.
Is gold still worth buying now? Let the data speak first.
International gold prices have experienced a remarkable upward trajectory in recent years:
- Between 2022 and 2023, gold prices fluctuated dramatically between $2000 and $1700, mainly influenced by geopolitical conflicts and Federal Reserve interest rate hikes.
- After entering 2024, thanks to rising expectations of US rate cuts and record-breaking gold purchases by global central banks, gold prices have continuously broken historical highs. Global central banks net purchased gold in 2024.

In recent years, soaring prices have become a global common issue, with costs from daily consumption to mortgage payments rising rapidly. Under this wave of inflation, relying solely on salary increases is no longer sufficient to keep up with the rising cost of living. Many young professionals and small investors are beginning to realize that maintaining quality of life and achieving financial goals require investment and financial management as essential skills.
For investors holding around in funds, the key question is: how should this capital be allocated to ensure stable asset growth? The answer is not a single option but depends on your time horizon, risk tolerance, and expected goals. This article will analyze various investment paths for to help you find the most suitable financial plan.
Three Core Elements of Capital Deployment
The foundation of successful investing is not luck but the perfect combination of mindset, projects, and time. Before deploying , make sure to prepare the following:
Master Cash Flow Management
First, it is essential to clarify one principle: only use disposable income for

After Taiwan and the US issued their first joint statement on exchange rates, the NT dollar exchange market experienced noticeable changes. The market opened today at 31.13 yuan, appreciating by 2 points in the short term, then the gains narrowed, and the day showed significant volatility. According to market analysts, if the NT dollar's trend against the US dollar reverts to the strong appreciation seen in early May 2022, it could exert pressure on multiple industries in Taiwan.
Increased exchange rate volatility challenges the central bank's stability efforts
The NT dollar non-deliverable forward (NDF) jumped by 4 cents immediately after the statement was released, reflecting a significant shift in market expectations for the exchange rate outlook. The large daily fluctuation has already put pressure on the foreign exchange market, and the market generally expects the central bank to intervene appropriately. Based on past experience, the NT dollar has risen to around 28 during tariff negotiations. While the current level of 31 does have room for appreciation, the central bank will take appropriate measures to suppress excessive volatility. In the short term, the NT dollar is expected to remain within the 30 yuan range with fluctuations.

The NT dollar to Japanese Yen has reached 4.85, depreciating nearly 9% since the beginning of the year. Want to exchange for Yen but don't know where to start? Actually, there are more than one way to exchange Yen in Taiwan, and just the exchange rate difference can amount to over 2000 NT dollars. This article will explain the four latest major currency exchange channels, so whether you're traveling or investing, you can find the most cost-effective option.
Why exchange for Yen? It's not just for traveling abroad
Many people think exchanging Yen is only for traveling abroad, but in fact, the uses of Yen are much broader than you imagine.
Daily life: Cash remains the main payment method in Japan
- Shopping in Tokyo, Osaka, skiing in Hokkaido, vacationing in Okinawa, most stores only accept cash (credit card penetration rate is only 60%)
- Purchasing from Japan, overseas shopping for cosmetics and clothing, requires direct payment in Yen
- Study abroad and working holiday participants exchange currency in advance to avoid sudden exchange rate fluctuations
Investment aspect: Yen is one of the world's three major safe-haven currencies
The Yen, along with the US dollar and Swiss franc, is among the top safe-haven currencies,

Want to venture into forex trading but don't know where to start? Choosing the wrong platform could pose risks to your funds, while selecting a legitimate forex platform can make your efforts more effective. This article outlines the 7 licensed brokers in the Taiwan market in 2025, comparing their regulatory qualifications, trading costs, deposit and withdrawal methods, helping you quickly find the trading partner that best suits your needs.
Top 3 Platform Selection Concerns for Taiwanese Traders
Before diving into the details of each broker, let's clarify the three decision points that forex traders are most likely to overlook:
Regulatory Authority Determines Safety: Licensing and regulation are not just formalities. Platforms regulated by authoritative agencies such as Taiwan's FSC, ASIC, FCA, etc., must adhere to strict standards for fund segregation and risk management. Conversely, unregulated platforms offer no recourse in case of disputes. The verification method is simple—visit the platform's official website to see if they publicly display their financial license number and links to the regulatory authority's website.
Cost Structure May Seem Similar but Is Worlds Apart

Faced with inflation eroding purchasing power, relying solely on a fixed salary is no longer enough. Many newcomers to the workforce and employees with limited funds are starting to ask: Can small-scale investing really turn things around? This article will reveal, from a practical operation perspective, how small investors can systematically grow their funds, even with a monthly surplus of just 1000 yuan or less.
The True Dilemma of Small-Scale Investing
Traditional bank fixed deposits offer negligible interest rates, with real returns already turning negative. Instead of watching savings be eaten away by inflation, it’s better to take proactive action. But the reality for small investors is:
- Limited funds, how to avoid losing too much to transaction fees?
- Investment platforms are numerous; which ones are trustworthy?
- No trading experience, which products should I start with?
The answer is simple: start by understanding your own risk tolerance.
6 Small-Scale Investment Strategies Suitable for Small Investors
Different investment channels correspond to different risk-return profiles.

Technological innovation becomes the core driving force
Day-A recently achieved a major breakthrough in the field of cable materials. The independently developed "Superconducting Hot Copper Coated Aluminum Wire (TD-CCAW)" has obtained an invention patent. Compared to traditional materials, this technology features significant lightweight properties, high thermal conductivity, and longer endurance, and has been successfully integrated into mass production processes and recognized by the market. This technological innovation has opened new opportunities for Day-A in the drone industry.
The cooperation with industry leaders such as Thunder Tiger(8033) and Chung Guang Electric(5371) has officially begun, with the three parties jointly deploying the global drone market. Especially with the Ministry of National Defense’s military-grade drone project valued at over 50 billion yuan, the order growth potential for related supply chain manufacturers should not be underestimated. Day-A’s TD-CCAW technology can significantly extend drone hover time, becoming a key factor in competitive success.
Policy incentives drive the demand for power grid construction
In addition to the drone market, Taiwan Power Company’s resilient power grid plan has also become

Global financial markets are in the red today. Gold prices once touched $3998 per ounce, declining for four consecutive days; Bitcoin fell below the psychological threshold of $90,000, currently at $87.61K; Ethereum also failed to escape, dropping to $2.94K. What exactly is behind this wave of selling?
Japan's "Triple Kill" Storm Spreads Globally
Japan's market bears the brunt first. The Nikkei 225 index closed down 3.2%, and the yen exchange rate fell below the 155 mark (USD/JPY at 155.17), with stocks, bonds, and currencies all collapsing simultaneously. Market concerns about potential adjustments to Japan's government spending policies, massive sell-offs in tech stocks, and escalating geopolitical risks have all contributed.
This Japanese crisis quickly spilled over into global markets.
US Stock Technical Breakdown, Futures Drop Simultaneously
Signals indicated warning signs before the US market opened. As of 4:55 AM Eastern Time, Dow futures fell 0.21%, and S&P 500 futures dropped 0.18%.

Want to start investing in stocks but don't know where to begin? Seeing others share investment insights makes you eager, but you're worried about pitfalls? Don't worry, this latest 2025 stock investment tutorial will help you avoid detours. This article will analyze in detail the three mainstream trading methods: Taiwan stocks, US stocks, and CFDs, helping you quickly get started with stock investing.
Step 1: Choose the right broker and start your stock investment journey
The first step in stock investing is selecting the appropriate trading platform, which directly affects your trading costs and experience. When choosing a broker, these factors are the most critical:
Fees and cost differences
Taiwan stock trading fees are generally 0.1425% of the transaction amount, but discounts for electronic orders vary greatly among different brokers. For US stocks, pay attention to the minimum fee per trade (some platforms charge $10 per trade), which significantly impacts small investments. CFD platforms usually use a spread model, with no fixed commission but hidden costs.

What is PCE? Why must investors pay attention
The Personal Consumption Expenditures (PCE, Price Change Index) is a key economic indicator that measures changes in U.S. household spending. In simple terms, it tracks consumer expenditure trends in areas such as food, clothing, housing, transportation, and healthcare, representing the most important driver of the economy—consumption capacity.
Why should you pay attention? Because fluctuations in the PCE index directly influence the policy decisions of the U.S. Federal Reserve, which in turn impacts global financial markets. When the PCE index rises, it indicates increasing inflationary pressure, and the Fed may continue to raise interest rates; conversely, if it falls, rate hikes may pause. These chain reactions are transmitted through exchange rates, commodity prices, stock markets, and other channels to markets like Taiwan.
From historical data, see the real power of the PCE index
To understand the influence of the PCE index, let's look at two real cases.
2009 Financial Crisis

December 10, 2025, the Taiwanese dollar against the Japanese yen has surpassed 4.85—this is the highest level this year. For many people, this timing raises a key question: Is it a good time to exchange for Japanese yen now?
The short answer is: partly advantageous, but you need to use the right method.
Compared to 4.46 at the beginning of the year, the yen has appreciated by 8.7% over the year, which indeed presents an opportunity for investors looking to enter the market. But the issue is not just the exchange rate, but also which channel you use to exchange—because just choosing the method can result in costs exceeding NT$1,500.
Is now the golden time to exchange for Japanese yen?
Global risk aversion sentiment is rising
As one of the three major safe-haven currencies in the world (alongside the US dollar and Swiss franc), the Japanese yen often becomes a safe harbor during market turbulence. During the week when the Russia-Ukraine conflict broke out in 2022, the yen appreciated by 8% in just seven days, while the stock market fell by 10%—this demonstrates the power of safe-haven assets.

Ponzi schemes have never disappeared; they are just constantly changing faces. From the 1920 postal investment scam in Boston, to the $17.6 billion case on Wall Street in 2008, and now to new types of financing scams under the guise of blockchain, this classic "rob from the rich to help the poor" trick continues to harvest investors around the world.
How Ponzi schemes have evolved into contemporary financial monsters
The core logic of Ponzi schemes is actually very simple: using the money from new investors to pay "returns" to old investors, maintaining operation by creating an illusion of wealth until the funding chain breaks.
The inventor of this scam was Italian immigrant Charles Ponzi. In 1919, with the global economy in chaos after World War I, Ponzi saw an opportunity. He claimed that buying European postal notes and reselling them in the United States could generate profits, designing a complex investment plan to sell to the public. In just one year, nearly 40,000 Boston residents invested, most of whom lacked financial knowledge.

Why is now a good time for foreign currency investment?
Against the backdrop of Taiwan's prolonged low-interest-rate environment, with bank fixed deposit annual interest rates averaging only 1.7%, more and more investors are turning to foreign currencies in search of better returns. The appeal of foreign currency investment lies not only in interest rate differentials but also in its provision of a comprehensive asset allocation tool.
Currently, global central bank policies are diverging. In 2025, the U.S. Federal Reserve, after multiple rate cuts, is maintaining a target range of 4.00%-4.25%. In contrast, the European Central Bank remains optimistic about economic growth, while the Bank of Japan has paused its rate hikes due to domestic factors. This policy environment creates abundant arbitrage and exchange rate trading opportunities for investors.
Understanding Foreign Currencies and Forex: The Difference Between Two Concepts
Many beginners easily confuse "foreign currency" and "forex," but these two have significant implications in investment practice.
Foreign currency refers to currencies other than the domestic legal tender, while forex (foreign exchange) involves the trading of these currencies in the global market.

Technical analysis plays an important role in stock investing, and the head and shoulders top and bottom are classic patterns in chart analysis. However, many investors only recognize their shapes but do not understand their uses, ultimately falling into traps during actual trading. This article will start from practical trading, deeply analyzing the causes, identification methods, and operational strategies of these two major patterns to help you better grasp the timing of entry and exit.
Head and Shoulders Top: A Warning Light for Selling Signals
How does the Head and Shoulders Top form?
The Head and Shoulders Top indicates that the stock price has reached a high point, and subsequent rebounds are losing momentum. This pattern consists of three relatively high points: the left shoulder, the head, and the right shoulder. Simply put, when the stock price fails to break through the previous high, this pattern gradually emerges.
Left Shoulder Stage: After the stock price hits the first high, some profit-takers exit, but there are still buyers optimistic about the future, leading to increased trading volume. The stock then slightly adjusts downward, falling to a relatively low point—this is the neckline, which acts as an important support level.