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Investment Return & Growth Calculator
Whether you're considering getting started with investing or you're already a seasoned investor, an investment calculator can help you figure out how to meet your goals. It can show you how your initial investment, frequency of contributions and risk tolerance can all affect the way your money grows.To get more news about risk and return calculator, you can visit wikifx.com official website.
Here’s a breakdown of the basics of investing, different risks to look out for and other factors to consider before putting your money to work.
A financial advisor can help you manage your investment portfolio. To find a financial advisor who serves your area, try our free online matching tool.
How Investing Works
Investing lets you take money you're not spending and put it to work for you. Money you invest in stocks and bonds can help companies or governments grow, while earning you compound interest. With time, compound interest can take modest savings and turn them into larger nest eggs, as long as you avoid some investing mistakes.
You don't necessarily have to research individual companies and buy and sell stocks on your own to become an investor. In fact, research shows that this approach is unlikely to earn you consistent returns. The average investor who doesn't have a lot of time to devote to financial management can probably get away with a few low-fee index funds.
People often put money into investments as a way to reach long-term goals. These could include reaching a financial milestone like buying a home, saving to pay for a child’s education, or simply putting away enough money for retirement.
Financial investments are financial products that are bought with the goal of making money. Common financial investments include:Stocks: Individual stocks are shares of a company that can increase in value as a company grows. Investors add them to their portfolios when they are prepared to take on additional risk in exchange for potentially higher returns.
Index funds: This asset is a portfolio of stocks or bonds that tracks a market index. It tends to have lower expenses and fees when compared with actively managed funds, and is based on a long-term strategy that relies on the market to outperform single investments.
Exchange-traded funds (ETFs): These combine features from stocks and index funds into a diversified investment that similarly tracks the returns of a market index and can also be traded. ETFs typically require smaller investments and also carry lower fees.
Mutual funds: This asset pools money from investors to buy a collection of stocks, bonds and other securities that are bundled and traded as one investment. These are typically best for retirement and other long-term investments.
How to Calculate Return on Investment (ROI)
Return on investment (ROI) allows you to measure how much money you can make on a financial investment like a stock, mutual fund, index fund or ETF.
You can calculate the return on your investment by subtracting the initial amount of money that you put in from the final value of your financial investment. Then you would divide this total by the cost of the investment and multiply that by 100.
While you can use ROI to determine how profitable a financial investment can be, you should note that it does not account for how much time that asset will be held. And depending on your time horizon and other financial needs, this is something you should keep in mind when calculating how much money you can earn.
Factors to Consider Before You Invest
All investments carry risk. Therefore, you should consider carefully how your investment can perform based on different factors. Here are five common factors that you should keep in mind to maximize potential returns on your investment.
The closer you are to retirement, the more vulnerable you are to dips in your investment portfolio. Conventional wisdom says older investors who are getting closer to retirement should reduce their exposure to risk by shifting some of their investments from stocks to bonds.
In investing, there's generally a trade-off between risk and return. The investments with higher potential for return also have higher potential for risk. The safe-and-sound investments sometimes barely beat inflation, if they do at all. Finding the asset allocation balance that's right for you will depend on your age and your risk tolerance.
Starting Balance for Investments
Say you have some money you've already saved up, you just got a bonus from work or you received money as a gift or inheritance. That sum could become your investing principal. Your principal, or starting balance, is your jumping-off point for the purposes of investing. Most brokerage firms that offer mutual funds and index funds require a starting balance of $1,000. You can buy individual equities and bonds with less than that, though.
Contributions for Investments
Once you've invested that initial sum, you'll likely want to keep adding to it. Extreme savers may want to make drastic cutbacks in their budgets so they can contribute as much as possible. Casual savers may decide on a lower amount to contribute. The amount you regularly add to your investments is called your contribution.
You can also choose how frequently you want to contribute. This is where things get interesting. Some people have their investments automatically deducted from their income. Depending on your pay schedule, that could mean monthly or biweekly contributions (if you get paid every other week). A lot of us, though, only manage to contribute to our investments once a year.
A pip is the unit of measurement of a change in a currency pair’s value
You’ve probably heard of the terms “pips,” “pipettes,” or “forex pip” thrown around in forex trading, and now we’re going to explain what pips are and show you some forex pip calculation examples for any type of currency pair and account currency. Take your time with this information, as it is required knowledge for beginners. Don’t even think about getting started until you are comfortable with forex pips values and calculating profit and loss. To get more news about forex pip calculator, you can visit wikifx.com official website.
What is Pip in Forex Trading
A pip is a very small measure of change in a currency pair in the forex market. Because the price in which currency pairs are denominated varies with the counter currency, traders measure price changes in pips, which are universally recognized as the smallest unit of price movement measured, roughly like a tick in stock trading. The value of forex pips varies depending on the currency pair and quantity traded.
For pairs with the JPY as the counter currency, it’s 0.01 Yen. For all other pairs, it’s 0.0001 of the counter or quote currency.
For example:
For the EURUSD and most other pairs, movement from 1.4000 to 1.4001 is one pip.
For the USDJPY, a movement from 80.00 to 80.01 is one pip.
Its cash value is always in terms of the quote currency (the one on the right), which you then convert to whatever currency your account is denominated in, using the currency pair price, which is the actual exchange rate.
You need to know how much each forex pip is worth so you know how many pips you can afford to lose and can manage your risk and money accordingly. Serious forex traders generally don’t risk more than 1 to 3 percent of their accounts on any one position, so they need to know how many pips equal that much cash. Once they know this, they can set their stop-loss orders on their trading strategies to automatically close their trades after losing that number of pips. As we’ll learn in the next CAPEX Academy courses, one of the primary criteria for choosing a trade is whether the likely maximum move against your position, per your technical analysis, is one you can afford, meaning one that doesn’t exceed 1 to 3 percent of your account size. If it does, don’t take the trade because it’s too risky.
How to calculate the pip value of your forex trades
In practice, any decent trading platform or trading app will have a pip calculator to perform this function quickly and easily. Still, it’s helpful to know how to calculate a pip if you need to monitor a position when you are away from your computer.
A few things will determine pip movements, including:
The volatility of the currency pair being traded
The size of the position
The currency pair’s current market price (exchange rate)
#1 Pip Calculation When Trading a USD Account
The most heavily traded currency pairs in the world involve the U.S. dollar (USD). When the USD is listed second in a pair the pip value is fixed and doesn't change, assuming you have a USD dollar account.
The fixed forex pip amount is:
$10 for a standard lot which is 100,000 worth of currency.
$1 for a mini lot which is 10,000 worth of currency.
$0.10 for a micro lot is 1,000 worth of currency.
These forex pip values apply to any pair where the USD is listed second, such as the EUR/USD, GBP/USD, AUD/USD, NZD/USD If the USD isn't listed second:
Divide the pip values above by the USD/XXX rate.
For example, to get the pip value of a standard lot for the USD/CAD, when trading a USD account, divide $10 by the USD/CAD rate. If the USD/CAD rate is 1.2500 the standard lot pip value in USD is $8, or $10 divided by 1.25.
#2 Pip Calculation for a Non-USD Account
Whatever currency the forex account is when that currency is listed second in a pair the pip values are fixed.
For example, if you have a Canadian dollar (CAD) account, any pair that is XXX/CAD, such as the USD/CAD will have a fixed forex pip value. A standard lot is CAD$10, a mini lot is CAD$1, and a micro lot is CAD$0.10.
To find the value of a pip when the CAD is listed first, divide the fixed pip rate by the exchange rate. For example, to find the value of a mini lot, if the CAD/CHF exchange rate is 0.7820, a pip is worth CAD$1.27.
If the pair includes the JPY, for example, the JPY/CAD, then multiply the result by 10. For example, if the CAD/JPY is priced at 89.09, to find out the standard pip value divide CAD$10 by 89.09, then multiply the result by 10, for a pip value of CAD$11.23.
Go through this process with any account currency to find pip values for forex pairs that include that currency.
#3 Pip Calculation for Other Currency Pairs
Not all currency pairs include your account currency. You may have a USD account but want to trade the EUR/GBP. Here is how to figure out the forex pip calculation for pairs that do not include your account currency:
The second currency is always fixed if a person had an account in that currency. For example, we know that if a person held a GBP account, then the EUR/GBP pip value is 10 GBP for 1 forex lot, as discussed above. The next step is converting GBP10 to our own currency. If our account is USD, divide GBP10 by the USD/GBP rate. If the rate is 0.7600, then the pip value is USD$13.16.
If you can only find a "backward" quote, such as the GBP/USD rate being 1.3152, then divide one by the rate to get 0.7600. That is the USD/GBP rate. You can then do the forex pips calculation above.
If your account currency is euros and you want to know the pip value of the AUD/CAD, remember that for a person with a CAD account a standard lot would be CAD$10 for this pair. Convert that CAD$10 to euros by dividing it by the EUR/CAD rate. If the rate is 1.4813, the standard lot pip value is EUR6.75.
Always consider which currency is providing the pip value: the second currency (YYY). Once you know that, convert the fixed pip value in that currency to your own by dividing it by XXX/YYY, where XXX is your own account currency.
Genshin Impact Shenhe build and materials guide
The best Genshin Impact Shenhe build relies on boosting Attack and Energy Recharge to maximize the Cryo character’s value as a Support and Sub DPS. This 5-star polearm-wielder from Liyue is an expert at shredding the defense of any adversary, thus increasing the entire team’s damage output, making her a great addition to many Cryo or Physical compositions.To get more news about recharge genshin impact, you can visit topuplive.com official website.
Her Elemental Skill, Spring Spirit Summoning, unleashes a wave of Cryo energy when charged up. This does not only apply Cryo on hit targets, but also increases the damage of any Normal, Charged and Plunging Attacks, Elemental Skills and Bursts that deal Cryo damage based on Shenhe’s Attack.
Shenhe’s Elemental Burst, Divine Maiden’s Deliverance, creates an even larger area-of-effect Cryo attack that lasts for a while and periodically applies Cryo on targets. In addition, this field reduces the resistance of enemies to Cryo and Physical damage, making it the perfect set-up for powerful follow-up attacks from your Main DPS.
We’ll show you how to get the most out of Shenhe in this guide, detailing her best weapons, artifacts, and team compositions. You’ll find everything you need to ascend Shenhe and upgrade her talents as well.
Like many other 5-star characters, Shenhe’s best weapon has been tailor-made for her – the 5-star polearm Calamity Queller provides a substantial boost to the Attack stat of its wielder as well as other team members after casting an Elemental Skill. That helps with strengthening Shenhe’s own buffing ability and is a strong support effect by itself.
We’ve already seen that boosting Shenhe’s Attack stat as much as possible is an important part in making her effective. The other aspect you need to consider is that a lot of her value comes from her Elemental Burst, which has a pretty high energy cost. Getting some Energy Recharge artifacts will greatly help with that, ensuring you can activate Shenhe’s Elemental Burst as soon as the cooldown is done.
The exact set you should equip on Shenhe depends on your situation: Since she’s a Support, you could go for a full set of Noblesse Oblige to provide the entire team with another useful damage boost, if no other character is carrying it. On a Freeze team you may want to opt for a full set of Blizzard Strayer to maximize the Cryo damage output. If you’re looking for the maximum amount of Attack on Shenhe, mixing two pieces each of Gladiator’s Finale and Shimenawa’s Reminiscence is the way to go.
Kamisato Ayaka is a fantastic Main DPS for Freeze teams and will create the Cryo Resonance when combined with Shenhe. While she’ll do most of the on-field work, Shenhe is there to cast her abilities to boost Ayaka’s damage output and help her and Kokomi to keep the enemies in a frozen state. Kazuha further assists with crowd control and reducing resistances.
Likee creators showcase talent & spread joy on Eid
During the long weekend, creators on Likee, a global short-video platform, showcased their talent by posting unique content about the celebrations and fun they shared with their followers, family and friends during Eid-ul-Adha — a festive time that begins at the end of the Hajj pilgrimage.To get more news about top up likee, you can visit topuplive.com official website.
During the Eid holidays, social media was filled with content from users who participated in relevant challenges to celebrate the spirit of Eid whilst demonstrating generosity and fun. On Likee, creators were eager to communicate their happiness and produced different types of relatable content that inspired positivity in their followers from both the MENA region and around the world.
“It is incredible to see quality content foster social connections and a sense of both community and unity between people,” said Gibson Yuen, head of Likee global operations. “Users are benefiting from past traditions and new technologies to spread positive emotions as well as taking time to show how they and their families celebrated Eid-ul-Adha this year. We are excited to watch more creators continue promoting their creativity and talent along with good virtue and kindness on Likee for the rest of 2022.”
Likee creators used different hashtags such as #Eid_Year and #memes_imitation to capture the spirit of Eid, showcase their talent and make it a joyful occasion.
The #Eid_Year hashtag generated more than 6.6 million views over the past week. Likee creators showcased their talent and created unique messages that were specific to both Eid and Likee.
Creators @ShireenAlame, @6090311159 and @Hasan_Alrsam all took to Likee to wish their followers a very happy Eid, whilst encouraging them to participate in the sticker challenge and join in the celebrations.
For the #memes_imitations hashtag, users were encouraged to participate in a sticker challenge where they had to imitate the meme that was displayed on the screen. The hashtag challenge proved to be a success as it generated more than 2.4 million views over the past week.
Likee creators were able to generate a significant number of views with their imitations and were also instrumental in encouraging more users to participate in this fun and light-hearted challenge.
Each one of us comes from a unique cultural and geographic background, but that is not a barrier to making close friendships with one another. “Likers” proved that people around the world can participate in the same activities and imitate traditions even though they grew up in completely different environments. Embracing these similarities will not only help us relate to and sympathize with each other but to also stand together for good causes.
TripleA enables Bigo Live’s Users to pay with Crypto
Bigo Live, one of the world’s fastest-growing social live streaming platforms, has enabled their users to top up account by paying with Cryptocurrencies like Bitcoin (BTC), Ethereum (ETH), Tether (USDT) and USD Coin (USDC).To get more news about topup bigo live, you can visit topuplive.com official website.
Powered by licensed crypto payment gateway TripleA, Bigo Live’s users can enjoy instant top up on their accounts, using cryptocurrencies. Cryptocurrency payments are made via a QR code displayed at point of purchase, providing users with a seamless payment process.
The live streaming market is expected to reach 184.27 billion USD by 2027. (Source: Tech Jury) Bigo Live currently has over 400 million users in over 150 countries, as well as an average monthly active userbase of 32 million.
Millennials and Gen Zs are the largest group of consumers for live streaming content. 63% of people aged 18-34 are watching live streaming content regularly (Source: Neil Patel). Correspondingly, 83% of millennials millionaires own crypto (Source: CNBC). Millennials also have the most positive outlook with regards to crypto payment, with 39% of the generation confident that crypto payments would be the future, the largest across all the other generations. (Source: PYMNTS).
Globally, more than 300 million people own cryptocurrencies. Payments in digital currencies are becoming commonplace. A survey contacted by Deloitte indicates that nearly 85% of executives from various retail organisations expect digital currency payments to become ubiquitous in their respective industries in the next five years.
“TripleA is delighted to team up with Bigo Live to drive growth within the creator economy. Diversity in payment methods is always useful in onboarding new users and giving platforms a competitive edge, and digital currencies are especially key on live streaming platforms.” Eric Barbier, CEO of TripleA stated.
About TripleA
TripleA is a licensed crypto payment gateway that helps businesses increase their revenue by enabling crypto payments and payouts, giving them access to the spending power of the fast-growing 300m+ cryptocurrency users.
TripleA’s white label crypto payments solutions allow businesses from all industries to leverage the benefits of the growing crypto market without being exposed to volatility risk or having to handle or convert digital currencies. Their solutions are compatible with all wallets, easy to integrate and offer instant confirmation, locked-in exchange rates and chargeback protection.Licensed by the Monetary Authority of Singapore (MAS) and trusted by over 15,000 businesses, TripleA makes accepting crypto payments simple for businesses across the globe.
robust-led-strip-lights
Turck is expanding its LED lighting portfolio with the new versatile series WLS27 of its optics partner Banner Engineering. Featuring a shatterproof, UV-stabilized, polycarbonate shell, WLS27 LED strip lights are ideal for machinery and workplace lighting in harsh indoor and outdoor applications. Designed with the same durable, low-profile design and efficiency as Banner’s work light strip family, WLS27 LED strip lights are optimal for mounting even in narrow installation situations.To get more news about custom neon signs, you can visit htj-led.com official website.
The hygienic design in a robust round housing meets the high requirements in the food industry, as well as in the machine tool or in the area of mobile machinery. The WLS27 LED strip lights are suitable even for applications in the semiconductor industry, requiring a laminar air flow.
The WLS27 LED strip lights resist exposure to high-pressure, high-temperature water, solvents, cutting oils and a broad range of chemicals. They are available in rugged, water resistant IP67 and IP69K construction. An internal temperature monitoring circuit protects the device in extreme conditions, ensuring the light does not overheat.
To satisfy diverse applications, the WLS27 is available in eight lengths from 145 mm to 1130 mm and multiple color illumination options, including single, dual, dimmable and cascadable configurations. Color options include cool white, warm white, red, green, blue and yellow. WLS27 LED strip lights are offered in flexible mounting options, allowing users to deploy them in areas and applications where other lights may not fit. Optional snap clips are also available for simple installation and repositioning.
Explosion-Proof Cameras – Video Borescopes For Oil
ITS Videscopes’ Explosion Proof Camera – when you need some of the clearest HD imaging available today. Cold LED/Fiber Optics in the tip means no heat, eliminating the possibility of sparking. Articulating tips allow you to see more of your workpiece. Aerospace and petroleum companies especially appreciate our Class 1 Division 2 rated borescopes.To get more news about industrial videoscope, you can visit seesemborescopes.com official website.
Our explosion-proof cameras are rugged, rugged, rugged. The cable is multi-layered Tungsten braid. Did you know that a diamond, the hardest substance on Earth, is the only thing that can scratch Tungsten? Know material our competitor uses? Nylon. You know what scratches nylon? My fingernail, for one. The monitors have industrial rubber protection bumpers. Even the carrying case/storage case is heavy duty and features custom-designed packing foam.
We have just released a revised product datasheet for our Explosion Proof Videoscopes using Cold Fiber. Key product advantages:
Cold Fiber Optic Illumination. There’s NO heat coming off of the LED light. There’s nothing to possibly ignite any volatile gas that might be present.
2. The high resolution Videoscope is available in 3mm, 4mm,6mm, & 8mm. with a 90-degree Field Of View. The 4mm. 6mm and 8mm are 4-Way Articulation, this means that the Videoscope will have a 120-degree total view, it can almost see behind itself; no side adapter required.
Titan Tool Supply Introduces Industrial Videoscope Series
Titan Tool Supply has announced the global market introduction of the TVM Series of accurate, cost-effective, handheld industrial videoscopes.To get more news about video borescope, you can visit seesemborescopes.com official website.
Offered in four standard models, TVM Series industrial videoscopes provide high-quality, speedy remote visual inspection and diagnostic capabilities across a diverse array of applications. All TVM Series models feature a 4.3-inch monitor and user-friendly button technology. Individual models are further offered with a choice of either a 4.5 mm or 6.2 mm diameter cable, and either a 1.5 m or 3 m working cable length. All TVM Series cabling further includes a Tungsten braided sleeving for added durability and reliability within dirty or harsh industrial applications.
The mechanical joystick that is incorporated into each Model TVM Series unit is expressly designed for ease of operator control. It offers full-360° four-way articulation, as well as operator-applied and guided input capabilities, for smooth, accurate, and direct control of both the camera and articulating camera tip during remote visual inspections. The camera can also accurately hold its designated position after joystick pressure is released. Design of the articulating camera tip incorporates a series of high-intensity LEDs with five-step intensity control. The LEDs allow the joystick to guide the videoscope more accurately and easily through narrow bores, channels, curves, and other complex geometries, and including in areas where diminished lighting conditions may otherwise be of concern.
Typical applications for the TVM Series include aviation MRO, automotive service inspections, casting inspections, cavity inspections, diesel and gasoline engine repair, locomotive maintenance, ship maintenance, industrial machinery and equipment monitoring, manufacturing quality control, or virtually any other industrial application requiring accurate, cost-effective remote visual inspection.
Kwikset’s latest smart lock recognizes your fingerprint
Forget using an app or security code to access your smart lock -- Kwikset's new Halo Touch smart lock is fingerprint-enabled. The device stores up to 100 fingerprints from 50 users and offers one-touch locking and unlocking.To get more news about smart lock with fingerprint, you can visit securamsys.com official website.
Halo Touch connects directly to the building's WiFi, and homeowners should be able to install the lock themselves. It can be controlled and monitored through the free Kwikset app, which offers lock notifications and shows activity. Thanks to the app, you won't need a third-party hub or subscription. Halo Touch also works with Google Home and Alexa. Similar to other devices with biometric log-ins (your MacBook Pro, say), the fingerprints are stored on the device itself, not in the cloud. In case any of this tech fails, the lock does come with a physical key as a failsafe.
Kwikset has been developing smart locks for a decade, and this time last year, the company unveiled its first WiFi-enabled, Home Kit-compatible lock. Halo Touch makes sense as an addition to the larger lineup. It will be available sometime this year, though it's not clear when.It will come in three finishes: nickel, bronze and black.
Introducing a smart lock with a biometric fingerprint reader. We are already used to using the fingerprint when unlocking smartphones or other devices, so the door can be unlocked quickly, safely and conveniently (additionally it can be unlocked with a remote control or smartphone application).
The advantages of such a smart door lock:
Sturdy, durable and stylish looking body.
The biometric fingerprint reader meets the requirements of the level of banking security.
Only fingerprint scanning, copy protection or other forgery is used.
Scans 999 different fingerprints (3 admin + 996 users). This is more than enough for all family members or office workers. From experience, we recommend signing up for the fingerprints of both hands, you will feel how convenient it is when you return with your purchases.
No wires are required for the lock to work, only 3 AAA batteries last for at least a year. The lock will warn you about low batteries in advance.
The door lock is adapted to outdoor and indoor conditions.
The fingerprint scanner is rightly called one of the technologies of the future that is becoming more widely used in customization and security systems. Doubts are still often heard about the slightly different design of the lock than usual, but we can assure you that a lot of attention was paid not only to functionality, security, but also to the design.
Vital Essentials unveils new look
Vital Essentials, the flagship brand of the Carnivore Meat Company, will unwrap a new look of its award-winning dog and cat food and treats at the Global Pet Expo March 22-24, 2023, at the Orange County Convention Center in Orlando, Florida.To get more news about vital markets, you can visit wikifx.com official website.
Since 2009, Green Bay-based Vital Essentials has been a pioneer in the raw, freeze-dried and frozen pet foods category. Its vast variety of dog and cat food, treat, and supplements are purely raw, ensuring that pets are provided the highest quality whole animal protein available, supporting energetic playtimes; healthier and shinier coats; lean, strong muscles; digestive and oral health; and immune system and heart health. Vital Essentials' new branding underscores the importance of the quality and care in every step of its process. Just as pet owners head to the butcher to procure the finest quality meats for themselves, they have turned to Vital Essentials for the same quality of proteins for their pets. While the new branding and premium kraft paper packaging intentionally has evolved to evoke the experience of visiting a butcher shop, the company's conviction to ultra-premium quality and variety remains the same.
"Vital Essentials boldly entered this market as a trailblazer in the raw pet food category nearly 15 years ago, and this rebrand highlights our continued commitment to enriching the lives of pets and their families worldwide through our cross-category portfolio of brands," said Lanny Viegut, CEO of Vital Essentials. "Ever since we entered the marketplace 15 years ago, we have not wavered on our mission to deliver the finest quality Butcher Cut Protein on the market, and we're especially excited to debut our new branding at the Global Pet Expo, where attendees can see firsthand how we're continually delivering innovation to our customers and retailers nationwide."
From March 22-24, Global Pet Expo attendees are encouraged to visit Vital Essentials at booth #253 to enjoy a first look at the new and improved packaging, meet the team, hear about the brand's exciting new marketing and merchandising initiatives and be among the first to place their wholesale orders. Media is also invited to an intimate and exclusive event at the Expo on Thursday, March 23, at 3 p.m. at the Vital Essentials booth through an interactive demonstration about the quality and benefits of butcher-cut protein and the difference it can make in a pet's life.