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The Taiwan stock market fluctuates around 28,000 points. The AI concept remains hot, but market funds are quietly shifting—bank stocks and financial holding companies are becoming the focus of institutional reevaluation.
Imagine this comparison: a fixed deposit for one year yields only 2%, while financial stocks steadily offer a cash dividend yield of 5-7%, plus the potential for stock price rebound. The difference is more than double. What market logic does this reflect?
Why are financial stocks shifting from supporting roles to main characters?
Valuation discounts are emerging.
Tech stocks have seen a fierce rally, especially AI supply chain leaders, with P/E ratios soaring above 30, yet profit growth is slowing down. In comparison, large domestic bank stocks have P/E ratios mostly between 10-12, and major US financial giants are only around 15-20.
This is not just a numerical difference but a reflection of market pricing ability—against the backdrop of a gradually clear soft landing of the economy, funds naturally gravitate toward more reasonably valued assets.

Investment Must-Know: Breakdown of Taiwan Stock Trading Cost Structure
Many investors focus only on stock price fluctuations when buying stocks, but overlook the hidden costs involved in the trading process. In fact, the calculation of Taiwan stock transaction fees involves multiple layers of charges, including broker commissions and government taxes. According to regulations, Taiwanese investors are required to pay a 0.1425% transaction fee (commission) and a 0.30% securities transaction tax when buying or selling stocks, with the transaction tax only incurred upon selling.
Most Taiwanese brokers offer discount promotions, typically between 50% to 60% of the standard rate, meaning the actual fee paid is significantly lower than the standard rate.
How exactly are Taiwan stock buying and selling costs calculated?
Buying phase:
Transaction fee = Stock price per share × Number of shares × 0.1425% × Broker discount
Selling phase:
Transaction fee = Stock price per share × Number of shares × 0.1425% × Broker discount
Securities transaction tax

1. Rediscovering the Essence of the KD Stochastic Oscillator
The KD indicator, officially known as the "Stochastic Oscillator," was developed by American analyst George Lane in the 1950s. Its core purpose is to capture shifts in price momentum and turning points in market trends. The indicator's values range from 0 to 100, quantifying the current closing price's relative position within a specified period by recording the high and low price fluctuations over that timeframe.
The KD indicator consists of two lines: the K line (fast line) and the D line (slow line). The K line represents the relative strength or weakness of the current closing price within a specific cycle (usually the past 14 trading days). The D line is a moving average of the K line (typically a 3-period SMA), which reacts more slowly to price changes.
In practical trading, when the K line crosses above the D line, forming a golden cross, it is generally considered a buy signal; when the K line crosses below the D line, it is typically viewed as a sell signal.

The TWD to JPY exchange rate is currently 4.85, but did you know? The hidden costs of different currency exchange methods could make you spend an extra 2,000 yuan?
Exchanging for JPY seems simple, but each of the four methods—bank, airport, online, ATM—has different foreign currency handling fees and exchange rate spreads. We use real market rates to help you calculate clearly, so you won't get ripped off.
4 Types of Currency Exchange Cost Breakdown
First, the key point: if you have a budget of 50,000 to 200,000 NT dollars, the most cost-effective method is a mix of "online currency settlement + airport withdrawal" or "online currency exchange + foreign currency ATM."
| Exchange Method | Foreign Currency Handling Fee | Total Cost (50,000 NT) | Fastest Speed | Suitable Group |
|---------|----------|-----------------|--------|--------|
| Counter Cash | 1.5

The three core standards for choosing a market analysis software
Before starting to invest in stocks, many investors face the same question: with so many market analysis apps on the market, which one should I choose? To find a tool that truly suits you, these three points are the most critical—real-time data accuracy, user-friendly interface, and comprehensive features. Especially for investors who follow both US stocks and Taiwan stocks, a good market analysis software can save you a lot of time and reduce the risk of missing market opportunities.
US Stock Market Analysis Applications: Five Professional Tools
1. Interactive Brokers
Founded in 1977, Interactive Brokers is a top global online brokerage firm that offers trading in over 30 countries. Its professional trading software, Trader Workstation (TWS), is highly regarded in the industry and has been recognized for 18 consecutive years by Barron’s as a low-cost broker.

Global inflation continues to rise, the US dollar depreciates, and purchasing power diminishes—these have become realities. Investment and wealth management are no longer optional but essential. Especially for newcomers just entering the workforce, facing limited salaries and rising living costs, how to use small investments to achieve wealth growth has become a key concern.
Many people are asking: Can small investments really make money? Can I turn 1000 yuan into a fortune? How can I find safe and reliable investment channels? This article will provide detailed answers for investors with limited funds and share various feasible strategies for small-scale investing.
6 Investment Paths for Small Investors
Traditional bank fixed deposits are safe, but they are no longer an ideal choice—the ultra-low interest rates accelerate the depreciation of savings. With the development of financial technology, small investors now have more options. Even with only 1000 yuan, or even 100 yuan, you can immediately start an investment plan.
Investment Option 1: Foreign Currency Fixed Deposit (Low Risk)
In the past

Can foreign currency investments really make money? This is one of the most common questions asked by many beginners. The answer is yes, but the premise is that you need to understand market rules, choose the right investment methods, and manage risks. This article will delve into the underlying logic of foreign currency investments to help you find a money-making path that suits you.
The essence of foreign currency investment: exchange rate differences and interest rate differentials
Many people complicate foreign currency investments, but the core is quite simple—earning from exchange rate differences and interest rate differentials.
Exchange rate difference refers to the profit gained from changes in currency exchange rates. For example, if you buy USD at 33 TWD per dollar and later the USD appreciates, selling at 35 TWD per dollar, the difference is your profit.
Interest rate differential is the difference in benchmark interest rates between countries. For instance, currently, Taiwan's fixed deposit rate is about 2%, while the US has a 5% rate. This 3% gap is the additional income you can earn when holding USD.
But there's a trap here: you might earn interest but lose due to unfavorable exchange rate movements.

If you've invested in the financial world, you've probably heard the term "Ponzi scheme." This classic financial scam has been around for over a century since its inception, yet it continues to evolve in appearance, using new names to relentlessly prey on investors eager to get rich quickly. Why is the Ponzi scheme so persistent? Because it exploits the most irresistible weakness of human nature—greed.
Where did the Ponzi scheme originate?
To understand why this scam persists over time, we need to go back to its origins.
In 1903, an Italian named Charles Ponzi immigrated illegally to the United States. He worked as a painter, laborer, and various low-level jobs, and had served time in Canada for forgery and in the U.S. for human trafficking. But it was through these experiences that Ponzi discovered the most lucrative business—financial fraud.
In 1919, just after the end of World War I, the global economy was in chaos. Ponzi saw this as an opportunity to...

The trading market is constantly changing, and a misjudgment or improper operation can cause your funds to evaporate in an instant—this is the dreaded liquidation that all leveraged traders fear. It not only wipes out your principal but may also leave you in debt. How exactly does liquidation occur? Why is leverage trading particularly risky? And how can you use risk management tools to prevent it? This article provides an in-depth analysis to help you avoid this financial disaster.
Core Principles of Liquidation
What is liquidation?
Liquidation is a forced closing mechanism. When your trading position moves against you, and losses gradually accumulate, causing your account equity to fall below the minimum margin requirement set by the broker, the system will automatically close all your positions, leaving no chance to recover. Simply put, your principal is insufficient to support your current positions, and the broker forcibly closes them.
Why does liquidation happen?
There are mainly two core reasons:
1. The trading direction is opposite to the market, and losses deplete the margin to the point where it cannot be replenished
2.

Ethereum is currently facing a key resistance at $3100. Market sentiment is polarized, and technical signals are ambiguous. A breakout will depend on a significant increase in trading volume and a stable macro environment. Bulls should cautiously add positions, while bears should set stop-losses. The overall situation suggests the market may experience repeated fluctuations.

After the Bank of Japan raised interest rates, the Japanese yen faced depreciation pressure, and global bond markets experienced increased volatility. The Federal Reserve maintained interest rates, and the Consumer Confidence Index declined. U.S. stocks rose across the board, with notable highlights in the commodity markets. Cryptocurrencies demonstrated resilience, and the US Dollar Index remained strong. The United States emphasizes lunar exploration, and technology regulation has become stricter.

The central bank's monetary policy stance directly influences foreign exchange market fluctuations, especially the shift between hawkish and dovish policies. In 2022, the US rate hikes led to a strong dollar, while dovish policies during the pandemic period caused the dollar to depreciate. Central banks adjust interest rates to balance economic growth, inflation, and employment, and traders need to be sensitive to officials' remarks to seize market volatility opportunities.

The Bank of Japan's rate hike decision has sparked market reassessment, with global stock markets showing a mild upward trend over the weekend. The three major U.S. stock indices all rose, with the Nasdaq leading the gain at 1.31%, while the Dow Jones and S&P 500 increased by 0.38% and 0.88%, respectively. European stock markets also moved higher, with the UK, France, and Germany indices showing mixed performances, with gains ranging from 0.01% to 0.61%.
The yen continues to face depreciation pressure, and intervention warnings have been issued again.
Japanese Finance Minister Shunichi Suzuki stated to the media after participating in the G7 online meeting that the yen has continued to weaken despite the central bank's rate hike. The Japanese government will take necessary measures to address excessive exchange rate fluctuations. The USD/JPY has risen by 1.39%, approaching the 158.0 level, and such unilateral sharp fluctuations have raised high alert in Tokyo.
Suzuki emphasized that any intervention will be based on the framework of the US-Japan joint statement signed in September, focusing on addressing speculative volatility. Although the Bank of Japan has initiated a rate hike process (raising

Amid the wave of Taiwanese dollar depreciation, many people are turning their attention to the Japanese yen and other Asian currencies. On December 10, 2025, the TWD to JPY exchange rate reached 4.85, but do you know? Choosing the wrong exchange method could cost you an extra NT$1,500-2,000 unnecessarily. We tested the four major foreign currency ATMs, online remittance, and bank counter services in Taiwan to compile the most cost-effective currency exchange strategies.
One chart to understand: Cost comparison of 4 JPY exchange methods
| Exchange Method | Estimated Loss (NT$50,000) | Real-time | Exchange Rate Favorability | Recommendation Index |
|------------------|---------------------------|-----------|----------------------------|---------------------|
| Bank Counter Cash | NT$1,500-2,000 | ⭐⭐ | ⭐ | ⭐⭐ |
| Online Exchange + Withdrawal |

2026 First Week Market Overview
At the start of the new year, the precious metals market experienced a significant rally. According to Bloomberg, gold and silver showed strong performance on their first trading day of 2026, continuing the impressive results of 2025—both gold and silver achieved their best annual gains since 1979.
Spot gold opened with a gap up on Friday, ( January 2, ) jumping over $14, and the rally accelerated thereafter. During the Asian session, gold prices briefly touched $4353 per ounce, with intraday gains approaching $35, demonstrating bullish strength.
Spot silver also performed well, rising 2%, with the silver price reaching a high of $73.00 per ounce. Palladium and platinum also rose close to 2%. The US dollar index fell by 0.1%, with a weaker dollar providing support for precious metals.
The Driving Forces Behind Gold and Silver
Bloomberg analysts pointed out that traders are optimistic about the future of gold and silver, mainly based on further US interest rate cuts.

Taiwanese investors wanting to enter the US stock market often find that the key issue is not "which stock to choose," but "which trading channel to use." Different trading methods can directly impact your investment costs. This article will delve into the two main routes Taiwanese investors use to trade US stocks and the hidden commission costs associated with each path.
Two Main Routes for Taiwanese Investors Trading US Stocks
If you want to buy US stocks in Taiwan, there are essentially two options: through the sub-brokerage channel of domestic brokers or by opening an account directly with an overseas broker. Both methods have their advantages, but the cost differences can be quite significant.
Route One: Sub-Brokerage — Convenient but Higher Fees
In simple terms, sub-brokerage (Sub-Brokerage) means outsourcing your US stock buying tasks to a domestic broker. Investors open a sub-brokerage account with a domestic broker and place orders to buy US stocks or ETFs through their system. Since buy and sell instructions must go through

When it comes to Return on Investment (ROI), many people's first reaction is complex mathematical formulas and boring financial jargon. But in reality, understanding the core logic of the ROI calculation formula can help investors quickly determine which assets are worth investing in and which pitfalls to avoid.
What exactly does ROI measure?
Simply put, ROI is the percentage of profit you make relative to your initial investment. A more precise definition is the ratio of net profit or loss from the investment to the total amount of capital invested, expressed as a percentage, reflecting the capital appreciation ability.
This metric is widely used because it applies to almost all types of investments—whether stocks, cryptocurrencies, real estate, or business projects—allowing for efficiency measurement with this logical framework.
ROI Calculation Formula Breakdown
Basic formula: ROI = (Net Profit / Invested Capital) × 100%
Where net profit = investment income - investment costs

Why Should You Pay Attention to Biotech Stocks?
The healthcare industry is experiencing a golden era of rapid growth. With the global aging population, continuous emergence of new drugs, and booming telemedicine, the pharmaceutical and biotech sectors have become focal points in the capital markets. Unlike electronics, which are subject to economic cycles, medical demand has a rigid characteristic—regardless of economic fluctuations, people's need for medical services and medications remains constant. This makes biotech stocks relatively resilient to economic downturns.
The U.S. biomedical market is the largest and most dynamic in the world. According to forecasts, by 2027, the U.S. biotech market will reach $445 billion, with a compound annual growth rate (CAGR) of 8.5%. Against this backdrop, understanding the investment logic of biotech stocks is becoming increasingly important.
The Unique Nature of Biotech Stocks: Why Are They Difficult to Evaluate Using Conventional Methods?
Valuation logic for biotech companies is completely different from that of traditional enterprises. Most biotech companies in