Objective:
To analyze the value changes of four investment funds – US (SPY, QQQ), European (VGK), and Emerging Markets (EEM) – over the 2020–2025 period, assessing growth dynamics and investment strategy effectiveness.

Hypotheses:

• US funds have greater long-term growth potential.
• Value changes in 2024–2025 correlate with global economic slowdown.
• Portfolio diversification increases investment stability.

Findings:

• The US funds SPY and QQQ showed the highest growth, while EEM remained stable.
• The decline in 2025 may be due to temporary market correction or incomplete yearly data.
• Diversified investment across regions helps reduce risk and ensures more stable returns.