Steady / Stable diligent masters investment task (New version: Both US and HK market adopt this template): Software without program code (adopt encryption code - input data only, no function update): Software price $39980 is without encryption! Federal Reserve will lower interest rates that benefit ETF market & Bond market (cost rise ~fifty cents per hundred recently): Buying at different month can cause within 0.5% p.a. difference, e.g. 7% v.s. 6.5%, Buying at different date or time can cause ~ 0.05% p.a. difference, e.g. 7% v.s. 6.95%, Average agent fee is not major factor for experienced forex trader (Year 2025 buy cost at: 7.83). Empirical investment user with several tens of thousands monthly income for continuous months Promotion price HK$3,998 for 2 years / + $2,000 install HKDS Primeval vanguard license & warranty of UVCS system. (Poker game: Zheng Shangyou alike graph feature / High society client) For steady ETF investment: Usually ~2-10% yearly floating interest rate daily (max: - < 15% p.a., extreme: ~21% p.a.) (Daily maximum change: ~1.58% (> 27% yearly int. rate) rise, differentiable by different ETFs: Most rapid two ETFs of a month of 2025 in system are chosen for statistics (similar to Youtuber Henry's 4-6% ETF choices): Both are not VTI: *5-7% gain monthly, empirically bought in between: 6.8% purely gain / 2.1% by standard 23 / 12 trade days system statistics), as a result, with empirically next month investment salary income > HKD 40,000. By several million investment & below real case study: statistically > 95% ensure to receive > 20% yearly interest rate at around 25th date of the month. Daily high price and daily low price are not mentioned above. [Standard calculation method] Normally Buy signal (A) for ETF is MA line: price line approaches 10-Day MA or price line approaches 20-Day MA, and inversely view below charts. Sell signal (A): At top of Bollinger.: e.g. Index near value 1. Sell signal (B): MACD line is about to go downwards across EMA by obvious trend: Graphic 1,2: -0.61 % (point 16) -0.27 % (point 17) (MACD is 9-day average line of EMA thus grey in color). On the contrary, Buy signal (B): MACD line goes upwards across EMA: after point 26, +0.92%, +0.21 %, +0.52%, for yearly revenue rate, empirically achieve exact > 40% p.a. raise within a month (Extreme). Signal (C): - Empirical notes i): Compare low-risk Bond, ETF & Gold chart trend (Compare other ETFs' Bollinger top) / - Empirical notes ii): Keep constant. Observe longer term yearly % rate, e.g. by: Year to Date (YTD) [View] / - Empirical notes iii): Cover (Prepared to add shares after plummet, consider buying at market starting price) / - Empirical notes iv): Pre-market trend is foreseeable by HKDS trade information app or ETF system web (preview hrs ~16-21:30p.m., 4-8a.m.), order price can be not highest market price / - Empirical notes v): Review cash flow & time deposit status (Diversification is most stable, hold amount of ETFs according to indicators & yearly interest % of days reference)    Significant trend index 10 days statistics:    e.g: Early August 2025 one of real ETFs interest rate according to market price & user ETFs price buy cost reference:    30.00% or above p.a. = 3 days (Assume: Invest all concentration on ETF with principal of minimum plan, around: above maximum salary income)    20.00% - 29.99% p.a. = 6 days (Assume: Invest all concentration on ETF with principal of minimum plan, around: empirical salary to maximum salary income range)    10.00% - 19.99% p.a. = 1 day  (Assume: Invest all concentration on ETF with principal of minimum plan, around: target to empirical salary income range)    Less than 10.0% p.a. = 0 days (Assume: Invest all concentration on ETF with principal of minimum plan, around: target salary range) / - Empirical notes vi): If: sell part of ETF shares, Bond procurement may arrange later to execute according to actual market change / - Empirical notes vii): For highest fluctuation besides bond yield (market price can be big difference): Year 2050 Treasury Notes and Bonds can rise ~3% monthly, fall ~2.5% monthly (All software statistics of a month of 2025 by monthly ref.), volatility of days can be around 5%. HKDS Net purchased other year bond every 3 months with > 6.7% p.a. with steady "buy & sell difference, e.g. accurate cost = adjust principal of Bond Face Value * 99.719% & vice versa" (Callable bond / Redeemable bond) / - Empirical notes viii): Maximum profit of bond: > 6% p.a. / Average cost & days of ETFs count by Excel, e.g. Fund $80 sell, $78 buy, buy cost is ~ $76 / - Empirical notes ix): ETF market: About 7 days rise & 3 days drop per 10 days / - Empirical notes x): Volatility expected for interval, frequency to trade (e.g. per 10 days, several days / mth) / - Empirical notes xi): Exclude crisis such as government tariff effect (greatest drop of 5 years = ETFs react about max: #5-6% daily for both 2 days), recover within a month / - Empirical notes xii): Over ten years stock / basket of securities trade experience, provide professional software / - Empirical notes xiii): Long term ex-dividend date, the longer time investment, the more steady situation, e.g. 3 - 10 years ETFs investment Apps (tailor-made web integration):