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Why is the Japanese Yen worth paying attention to? Not just for travel, but also for risk hedging
At the end of the year, the TWD to JPY exchange rate has reached 4.85, appreciating about 8.7% from 4.46 at the beginning of the year. For those planning to travel abroad or allocate foreign currency assets, this is a timing worth serious consideration.
The value of the Japanese Yen extends far beyond tourism expenses. On a daily level, traveling to Japan still mainly relies on cash (credit card penetration is only 60%), and purchasing, online shopping for Japanese goods, or long-term studying abroad all require JPY. But more importantly, on a financial level, the Yen is one of the three globally recognized safe-haven currencies (alongside the US dollar and Swiss franc).
When global markets are turbulent, funds tend to flow into the Yen for protection. During the Russia-Ukraine conflict in 2022, the Yen appreciated 8% within a week, while the stock market fell by 10%—this inverse volatility characteristic makes it an effective tool for Taiwanese investors to hedge against Taiwan stock risks. Moreover, the Bank of Japan has maintained ultra-low

Current situation: Rate cuts arrive as expected, but the market shows no excitement
The Federal Reserve has duly cut the benchmark interest rate by 25 basis points, but market reactions appear somewhat tepid. Bitcoin continued to fluctuate around $90,000 during Thursday's Asian trading session, with the entire trading period oscillating narrowly between $91,000 and $92,000, showing limited response to this policy adjustment. Latest real-time data indicates Bitcoin is currently trading at $93.77K, with a 24-hour increase of only +0.90%, which is indeed disappointing.
Meanwhile, Ethereum remains around $3,270, and major cryptocurrencies like Ripple and Solana show no significant gains. On-chain capital flows remain cautious, and the overall market is in a wait-and-see mode.
Divergence within the Federal Reserve widens, unclear prospects for rate cuts next year
Not all members supported this rate cut—two members voted to keep rates unchanged, while others advocated for a larger cut.

Latest Reminder: The United States entered Standard Time at 2:00 AM on November 2, 2025. Taiwanese investors should pay attention to the time difference changes. During Standard Time, the regular trading hours are adjusted to 10:30 PM to 5:00 AM Taiwan time the next day.
1. How Standard Time Affects US Stock Trading Hours
The US switches between Daylight Saving Time and Standard Time at specific times each year, which is crucial for Asian traders. Standard Time begins at 2:00 AM on the first Sunday of November each year and ends at 2:00 AM on the second Sunday of March the following year, during which the clock is turned back by 1 hour.
Since Taiwan does not observe daylight saving adjustments throughout the year, Asian investors must closely monitor this time difference change to accurately grasp US stock trading opportunities. During Daylight Saving Time, the time difference is 1 hour shorter than during Standard Time, which directly affects Taiwanese investors' order placement timing.
2. The Three Major US Stock Exchanges and Trading Schedule
The biggest difference between US stocks and Taiwanese stocks is

The strong upward expectation is prominently displayed, with the $30 level becoming a key watershed
Recently, Asian currencies have collectively strengthened, but the performance of the New Taiwan Dollar (NTD) has been particularly impressive. In just a few trading days, this appreciation wave has not only set new records but also ignited enthusiasm in the investment community. Many investors are beginning to wonder: how long will this NTD appreciation trend last? What does the psychological level of 30 actually represent?
According to the latest research from UBS, the NTD's appreciation trend is expected to continue. Valuation models show that the NTD has shifted from moderate undervaluation to a fair value that is 2.7 standard deviations higher, and the foreign exchange derivatives market indicates the "strongest appreciation expectation in 5 years." All these data points are telling us that the era of exchanging 30 NTD for 1 USD is being rewritten.
Understanding the true significance of 30: psychological barrier or technical support?
For investors, 30 is more than just a number—it represents the market consensus on the value of the NTD. Over the past decade (20

With Australia's consumer data performing well and inflation remaining persistent, market expectations for the Reserve Bank of Australia's policy shift have increased. It is expected to pause rate cuts and possibly raise rates in 2026. The Australian dollar's appreciation against the US dollar is clear, while the RMB faces depreciation pressure against the Australian dollar, which has significant implications for related trade and investors.

Last Week's Market Summary
In the foreign exchange market from December 15 to December 19, the US dollar index rose slightly by 0.33%, while non-US currencies showed mixed performance. The Japanese yen depreciated the most, falling 1.28% for the week; the euro declined by 0.23%; the Australian dollar dropped by 0.65%; and the British pound remained nearly flat, with a slight increase of 0.03%.
European Central Bank Holds Steady, Fed Rate Cut Expectations Still Uncertain
The European Central Bank maintained its interest rate policy as expected, but President Lagarde's remarks did not provide the hawkish signals the market was hoping for. This caused the EUR/USD to initially rise and then fall back, ending the week down 0.23%.
US data performance was relatively mixed. November employment data was a mixed bag, and the CPI increase was actually lower than economists' previous forecasts. Investment banks like Morgan Stanley and Barclays pointed out that these data are heavily affected by seasonal adjustments and statistical noise, which are insufficient to reflect the true state of economic activity.

The Australian stock market is standing at a critical crossroads.
In 2024, the overall performance of Australian stocks remains steady—ASX200 up 12.95%—but industry differentiation is extremely pronounced. Lithium mining stocks are experiencing overcapacity, with declines of up to 30%, while copper mining giants are doubling their stock prices due to explosive demand from AI data centers. This is not just a simple supply cycle fluctuation but a structural revaluation brought about by the global energy transition.
How will the changes in Australia's energy policy rewrite the game rules?
Federal Treasurer Chalmers' new policies have become a watershed—starting in 2025, Australia will subsidize green hydrogen export companies by 2 AUD per kilogram and legislate to phase out all coal-fired power plants before 2030. This is not just an environmental stance but real industry support.
After the EU carbon border adjustment policy went live, traditional resource giants face two choices: either be marginalized or invest heavily in technological upgrades. BHP plans to invest 3 billion AUD in carbon

The recent RMB appreciation trend has truly arrived.
According to the latest data, the onshore USD/CNY has fallen below 7.08, and the offshore rate has dropped below 7.08 as well, hitting a new low in over a year. Meanwhile, the CFETS RMB Exchange Rate Index has surged to 98.22, the highest level this year. Goldman Sachs' latest forecast is even more bullish: it may reach 7.00 by the end of the year, and by 2026, the RMB against the USD could further appreciate to 6.85.
This is not a coincidence. Under the continuous rate cuts by the Federal Reserve, the RMB has indeed gained room for appreciation. But there is a deeper logic behind this appreciation—it's actively driven by China's central bank. The daily midpoint prices are constantly guiding the exchange rate upward, and state-owned banks are frequently buying USD to stabilize fluctuations, jointly pushing the RMB higher.
From a broader perspective, this move has strategic significance. Demonstrating the RMB's stability and strength is essentially about building credibility for internationalization.

From 1G to 5G, the evolution of wireless communication technology has driven the digital transformation of society. Today, 5G is gradually becoming the mainstream in the communication market and has created huge investment opportunities. This article will delve into the current development status of the 5G industry and the most promising investment targets within it.
What are 5G concept stocks?
5G (fifth-generation mobile communication technology) is not just a technological upgrade but has also spawned a large industrial ecosystem. The so-called 5G concept stocks refer to publicly listed companies whose business is closely related to 5G technology.
According to the division of the industry chain, the 5G ecosystem is divided into three levels:
Upstream: component manufacturing (base stations, antennas, RF chips, optical modules, fiber optics, etc.)
Midstream: communication equipment supply (core network equipment, network coverage equipment)
Downstream: operators, terminal manufacturers, internet application companies
Current Status of Global 5G Leading Stocks
According to ICE

The RMB market in 2025 is facing a turning point, and it is expected to break the depreciation trend and appreciate. A weakening US dollar, improved China-US relations, and the return of foreign investment will support the RMB, but attention should be paid to risks such as Federal Reserve policies and domestic economic recovery. Investors should understand the exchange rate driving logic and make reasonable arrangements.

Tokens serve as certificates of digital assets on the blockchain, distinguished from Coins that have their own independent blockchain. Tokens can be categorized into payment, utility, and asset types. They offer advantages such as rapid iteration and low failure costs but are highly volatile. When investing, it is essential to choose a secure platform and develop a risk management strategy.

Many novice investors, after getting involved in stocks, will quickly hear the concept of futures. But what exactly are futures? Why do some make huge profits from it, while others lose everything? This article will help you deeply understand the essence of futures trading.
What are futures? Explained in one sentence
Futures are standardized contracts where both buyers and sellers agree to trade a certain quantity of the underlying asset at a price determined today, at a future date. The "underlying asset" can be soybeans, gold, crude oil, or even stock indices, exchange rates, and bonds.
Key point: You only need to pay a portion of the margin now to lock in the trade, rather than paying the full amount. This is the biggest difference between futures and spot trading.
History of futures: Starting with agricultural risks
The birth of futures is closely related to agriculture. Early farmers faced huge market risks—grain prices falling during bumper harvests and skyrocketing during poor harvests. To hedge against these uncontrollable price fluctuations, merchants and farmers began to sign

U.S. stock futures are a necessary step for many stock investors to advance their trading skills, but their complexity often deters people. This article will systematically analyze the operating logic of U.S. stock futures, mainstream products, trading details, and risk points to help you build a comprehensive understanding.
Core Mechanism of Futures Contracts
A futures contract is essentially a standardized agreement where both parties commit to completing a transaction at a predetermined price on a specific future date. The most intuitive understanding of this concept comes from commodity markets— for example, locking in the right to buy 1,000 barrels of oil at the current price of $80 per barrel three months from now. If the oil price subsequently rises to $90, the value of this contract increases accordingly.
U.S. stock futures follow the same logic, but the underlying asset is not a single commodity but a stock index. Since an index represents the overall performance of a basket of stocks, buying or selling U.S. stock futures is effectively an operation on the entire index component stocks. Its notional value is calculated using the following formula:

In the technical analysis toolbox, the KDJ indicator is regarded as one of the three essential indicators that retail traders must learn, but very few traders can use it flexibly. Why is this seemingly simple indicator so popular? How does it actually help investors capture market turning points? This article will delve into the core mechanism of the KDJ indicator and its practical application methods.
One Minute to Understand the Essence of the KDJ Indicator
The KDJ indicator, also known as the stochastic indicator, quantifies price fluctuations to identify overbought and oversold opportunities. Unlike other indicators, the KDJ uses three lines to depict market conditions:
- K line (fast line):敏銳捕捉短期價格動向
- D line (slow line): a smoothed version of the K line, filtering market noise
- J line (direction-sensitive line): reflects the divergence between the K and D lines
Simply put, the K and D lines help us determine whether the market is in an overbought (≥80) or oversold (≤20) zone, while the J line acts as a market reversal

Preface: The Root Cause of Noun Confusion
In the early days of cryptocurrency development, the main circulating native currencies were Bitcoin, Litecoin, Dogecoin, and others. As the blockchain ecosystem evolved, especially with the rise of Ethereum, the concept of tokens gradually entered investors' view. However, due to the unified Chinese translation as "代幣" or "cryptocurrency," many participants still find it confusing to distinguish between the two. This article will systematically explore the essence of tokens, their classifications, and their differences from traditional currencies.
Definition and Operating Principles of Tokens
Tokens are essentially digital assets issued on existing blockchains, representing specific rights, certificates, or value carriers. They can be traded, transferred, and exchanged on their respective blockchain networks.
Unlike independently operated currencies, tokens do not have their own dedicated public chain. The ERC-20 standard introduced by Ethereum in 2015 marked a watershed moment for token issuance, enabling any developer to

In foreign exchange trading and international investment, quickly and accurately identifying the currencies of different countries is fundamental. Especially when you see currency pairs like EUR/USD, GBP/JPY in the forex market, you must immediately understand what the euro symbol and the dollar symbol represent in order to make correct decisions in the rapidly changing market.
Why must forex traders master currency symbols?
Currency symbols are the universal language of the financial world. They not only simplify the writing process (for example, writing "$100" is much faster than "100 US dollars") but also help investors quickly identify trading targets.
In the forex market, each currency symbol represents the economic influence of a country or region. Seeing € (euro symbol) indicates involvement with the Eurozone's complex political and economic relationships, while ¥ requires judgment whether it refers to the Japanese Yen or the Chinese Renminbi. Mastering each country's currency symbols and codes is equivalent to mastering the global foreign exchange trading.

The explosive popularity of generative AI has passed the initial frenzy. From the emergence of ChatGPT to now, the performance of AI concept stocks has been a tale of two extremes—some have doubled, while others have fallen from high levels. So, entering 2025, do AI concept stocks still have investment value? How should one choose? These questions are worth discussing.
Why AI Concept Stocks Still Worth Paying Attention To
First, the conclusion: AI concept stocks still have opportunities in the short term, but precise selection is necessary.
According to the latest IDC forecast, global enterprise spending on AI-related technologies and solutions will reach $307 billion in 2025. Even more astonishing, by 2028, this figure will double to $632 billion, with a compound annual growth rate of 29%. This is not just a number; it reflects real enterprise investment demand.
One of the most critical points: the proportion of accelerated server spending will exceed 75% by 2028. This means

Liquidation refers to forced closure of positions due to losses, where investors not only lose their principal but may also incur debt. The main causes include incorrect trading directions and insufficient margin. Common operational pitfalls such as high leverage, gambler's mentality, and neglecting hidden costs can easily lead to liquidation. Beginners should operate cautiously, set stop-losses, and use risk management tools to ensure the safety of their funds. Understanding market risks and allocating investments reasonably can help prevent liquidation from occurring.

Why are more and more Taiwanese investing in US stocks?
In recent years, the US stock market has attracted a large number of Taiwanese investors. Similar to opening an account with a local broker to invest in Taiwanese stocks, entering the US stock market also requires going through a legitimate trading platform or broker. However, with many options available on the market, how to choose the most suitable US stock trading platform has become a primary concern for many investors. This article will help you find the most appropriate US stock investment plan from multiple dimensions such as platform security, trading costs, and service quality.
Five Key Factors for Choosing a US Stock Trading Platform
Before deciding to invest, you must evaluate based on your actual situation. Different investors have different needs—beginners value ease of use, experienced investors focus on the variety of trading products, and small investors care about the minimum deposit requirement. Therefore, the following five factors should become your screening criteria.
First Element: Fund Security and Regulatory Qualifications
Overseas investment