Introduction
Trading forex in 2024 comes with its fair share of costs—spreads, commissions, and hidden fees can quickly eat into your profits. That’s where a forex cashback provider steps in, offering rebates on every trade to help you recover a portion of your expenses. Whether you’re a high-volume scalper, a long-term position trader, or someone exploring copy trading, choosing the right cashback service can significantly impact your bottom line. In this step-by-step guide, we’ll break down how to evaluate forex rebates, compare broker partnerships, and maximize your earnings—so you can trade smarter and keep more of your hard-earned gains.
1. Understanding Forex Cashback Basics
Forex cashback is a popular incentive offered by brokers and third-party providers to reward traders for their activity in the foreign exchange market. Whether you’re a retail trader, an institutional investor, or a high-frequency scalper, understanding how forex cashback works can help you maximize your trading profits and reduce overall costs.
In this section, we’ll explore the fundamentals of forex cashback, how it functions, and why selecting the right forex cashback provider is crucial for optimizing your trading experience in 2024.
What Is Forex Cashback?
Forex cashback is a rebate system where traders receive a portion of their trading costs (spreads or commissions) back as a monetary reward. This is typically offered in two ways:
1. Broker-Provided Cashback – Some brokers directly refund a percentage of the spread or commission to traders as an incentive for loyalty or high-volume trading.
2. Third-Party Cashback Providers – Independent platforms partner with brokers to offer additional rebates, often providing higher returns than broker-specific programs.
For example, if a trader executes a $100,000 trade with a broker that charges a $10 commission, a forex cashback provider might refund $2 per lot, effectively reducing the net trading cost to $8. Over time, these savings can accumulate significantly, especially for active traders.
How Does Forex Cashback Work?
The forex cashback mechanism is straightforward but varies slightly depending on the provider. Here’s a step-by-step breakdown:
1. Trader Signs Up with a Cashback Provider – The trader registers with a forex cashback provider and links their trading account (or opens a new one through the provider’s affiliate link).
2. Trades Are Executed – As the trader places orders (buy/sell), the broker records the volume and fees.
3. Rebates Are Calculated – The cashback provider tracks the trader’s activity and calculates rebates based on predefined rates (e.g., $0.50 – $5 per lot).
4. Payments Are Processed – The rebate is paid out weekly, monthly, or per trade, depending on the provider’s terms. Payments can be made via bank transfer, e-wallets, or even cryptocurrency.
Example of Forex Cashback in Action
Let’s say Trader A executes 50 standard lots (5,000,000 units) in a month with a broker that offers a $3 cashback per lot through a third-party provider.
- Total Cashback Earned: 50 lots × $3 = $150
- If the trader’s net loss was $200, the cashback reduces it to $50.
- If the trader was profitable, the cashback acts as an additional income stream.
## Types of Forex Cashback Programs
Not all cashback programs are the same. The best forex cashback provider for you depends on your trading style and preferences. Here are the most common types:
1. Fixed Cashback per Lot
- Traders receive a predetermined amount per traded lot (e.g., $1 per standard lot).
- Best for scalpers and high-volume traders who benefit from consistent rebates.
### 2. Percentage-Based Cashback
- Rebates are a percentage of the spread or commission (e.g., 10% – 30%).
- Ideal for traders using brokers with variable spreads.
### 3. Tiered Cashback Systems
- Higher trading volumes unlock better rebate rates (e.g., 0.5% for <100 lots/month, 1% for 100+ lots).
- Suitable for professional traders and hedge funds.
### 4. Hybrid Models
- Some providers combine fixed and percentage-based rebates for flexibility.
## Why Use a Forex Cashback Provider?
1. Lowers Trading Costs
Forex trading involves spreads, commissions, and overnight fees. Cashback mitigates these expenses, improving net profitability.
2. Works with Both Profitable and Losing Trades
Unlike profit-sharing schemes, cashback is paid regardless of whether a trade wins or loses.
3. Additional Passive Income
Even if you break even, cashback acts as an extra revenue stream.
4. No Conflict with Trading Strategy
Cashback doesn’t interfere with scalping, hedging, or algorithmic trading.
Key Considerations When Choosing a Forex Cashback Provider
Before selecting a forex cashback provider, evaluate the following:
- Reputation & Reliability – Check reviews, regulatory compliance, and payment history.
- Broker Compatibility – Ensure the provider supports your preferred broker.
- Rebate Structure – Fixed, percentage, or tiered? Which aligns with your trading volume?
- Payout Frequency & Methods – Daily, weekly, or monthly? Bank transfer, PayPal, or crypto?
- Hidden Conditions – Some providers impose minimum withdrawal thresholds or trade volume requirements.
## Conclusion
Understanding forex cashback basics is the first step toward optimizing your trading performance. A well-chosen forex cashback provider can significantly reduce costs, enhance profitability, and provide an additional income stream. In the next section, we’ll dive deeper into how to compare and select the best cashback service for your needs in 2024.
By leveraging cashback effectively, traders can turn an otherwise overlooked aspect of forex trading into a powerful financial tool. Whether you trade occasionally or professionally, integrating cashback into your strategy is a smart move in today’s competitive market.
2. Evaluating Forex Cashback Providers
Choosing the right forex cashback provider is a critical step in maximizing your trading returns. With numerous options available, traders must carefully assess each provider based on key factors such as reliability, payout structures, broker partnerships, and transparency. This section will guide you through the essential criteria to evaluate when selecting a forex cashback provider in 2024.
Key Factors to Consider When Evaluating a Forex Cashback Provider
1. Reputation and Reliability
A reputable forex cashback provider should have a proven track record of timely payouts and ethical business practices. Traders should:
- Check online reviews on forums like ForexPeaceArmy, Trustpilot, and Reddit.
- Look for regulatory compliance—some providers are registered with financial authorities, adding credibility.
- Verify the company’s history—long-standing providers (e.g., Cashback Forex, FX Rebates) are often more trustworthy than new entrants.
Example: A provider with consistent positive feedback over five years is more reliable than one with mixed reviews or frequent payout delays.
2. Broker Partnerships and Coverage
The best forex cashback providers partner with a wide range of reputable brokers. Key considerations include:
- Broker compatibility—ensure your preferred broker is supported.
- Exclusive vs. non-exclusive deals—some providers offer higher rebates through exclusive partnerships.
- Global coverage—top providers support brokers in multiple regions (e.g., IC Markets, Pepperstone, XM).
Example: If you trade with Pepperstone, confirm whether the provider offers rebates for all account types (Raw, Standard) or only specific ones.
3. Rebate Structure and Payout Frequency
Different forex cashback providers offer varying rebate models. Traders should analyze:
- Fixed vs. variable rebates—fixed rebates (e.g., $2 per lot) are predictable, while variable rebates (e.g., a percentage of spreads) may fluctuate.
- Payout thresholds—some providers require a minimum balance before withdrawals (e.g., $50).
- Payment methods—options like PayPal, bank transfer, or cryptocurrency affect convenience.
Example: A high-volume trader may prefer a percentage-based rebate, while a casual trader might benefit from fixed payouts.
4. Transparency and Reporting
A trustworthy forex cashback provider should offer:
- Real-time tracking—dashboard access to monitor rebates per trade.
- Detailed statements—breakdowns of spreads, commissions, and rebate calculations.
- No hidden fees—some providers deduct processing fees, reducing net gains.
Example: Providers like Cashback Forex and ForexCashback.org offer transparent dashboards showing exact rebate earnings per trade.
5. Customer Support and Responsiveness
Efficient support ensures smooth issue resolution. Evaluate:
- Response time—24/7 live chat vs. delayed email responses.
- Multilingual support—important for non-English speaking traders.
- Problem resolution history—check if past complaints were resolved satisfactorily.
Example: A provider with a dedicated support team can quickly address payout delays or missing rebates.
6. Additional Perks and Loyalty Programs
Some forex cashback providers offer extra incentives:
- Referral bonuses—earn extra by inviting other traders.
- Tiered rebates—higher volumes unlock better rates.
- Promotional cashback—limited-time boosts on select brokers.
Example: A provider may offer a 10% bonus on rebates for the first three months, increasing profitability for new users.
Red Flags to Avoid
When evaluating a forex cashback provider, watch for:
- Unrealistically high rebates—if an offer seems too good to be true, it likely is.
- Lack of broker verification—fraudulent providers may claim partnerships with brokers they don’t work with.
- Poor communication—delayed responses or vague terms indicate potential issues.
## Final Checklist Before Choosing a Provider
Before committing, ensure the provider:
✅ Has positive independent reviews
✅ Supports your preferred brokers
✅ Offers a competitive and transparent rebate structure
✅ Provides real-time tracking and reliable payouts
✅ Delivers strong customer support
Conclusion
Selecting the right forex cashback provider requires thorough research and comparison. By assessing reputation, broker coverage, rebate models, transparency, and support, traders can optimize their cashback earnings while avoiding scams. The best providers enhance profitability without compromising reliability, making them a valuable tool for active forex traders in 2024.
In the next section, we’ll discuss “Maximizing Your Forex Cashback Earnings”—strategies to leverage rebates for higher returns.
3. Broker-Specific Cashback Dynamics
When selecting a forex cashback provider, understanding broker-specific cashback dynamics is crucial. Not all brokers offer the same cashback structures, and the terms can vary significantly depending on the broker’s policies, trading conditions, and partnership agreements. This section explores how cashback works across different brokers, key factors to consider, and practical insights to maximize your rebates.
How Broker Policies Influence Cashback
Forex brokers have varying approaches to cashback programs, which directly impact the rebates you receive. Here are the primary ways brokers structure their cashback offerings:
1. Fixed vs. Variable Cashback Rates
- Fixed Cashback: Some brokers provide a fixed rebate per lot traded, regardless of the spread or commission. For example, a broker may offer $5 cashback per standard lot (100,000 units) traded. This model is straightforward and predictable.
- Variable Cashback: Other brokers adjust cashback based on trading volume, account type, or market conditions. For instance, a broker might offer higher rebates for high-volume traders or during volatile market periods.
Example:
- Broker A offers a flat $3 cashback per lot.
- Broker B provides 0.5 pips cashback, meaning the rebate fluctuates with the instrument’s pip value.
### 2. Spread-Based vs. Commission-Based Cashback
- Spread-Based Cashback: Some brokers return a portion of the spread (the difference between bid and ask prices). If the spread is wide, the cashback may be higher.
- Commission-Based Cashback: Brokers charging separate commissions (common in ECN accounts) may refund a percentage of the commission per trade.
Practical Insight:
- If you trade frequently on tight-spread accounts (e.g., ECN), a commission-based cashback model may be more beneficial.
- For standard accounts with wider spreads, spread-based cashback could yield higher returns.
### 3. Tiered Cashback Structures
Many brokers implement tiered cashback programs where rebates increase with trading volume.
Example:
- Tier 1 (1-50 lots/month): $2 per lot
- Tier 2 (51-200 lots/month): $3 per lot
- Tier 3 (201+ lots/month): $4 per lot
This incentivizes traders to increase activity, but you must assess whether higher volumes align with your strategy.
Broker-Specific Cashback Conditions
1. Eligible Instruments
Not all brokers offer cashback on every instrument. Common inclusions:
- Major Forex Pairs (EUR/USD, GBP/USD, etc.) – Most providers include these.
- Minor & Exotic Pairs – Some brokers exclude or offer lower rebates.
- CFDs (Indices, Commodities, Cryptos) – Rebates may differ from forex.
Key Consideration:
Check if your preferred trading instruments qualify for cashback before committing to a forex cashback provider.
2. Payment Frequency & Minimum Thresholds
- Daily/Weekly/Monthly Payouts: Some brokers process cashback daily, while others consolidate monthly.
- Minimum Withdrawal Thresholds: Certain brokers require a minimum rebate amount (e.g., $50) before allowing withdrawals.
Example:
- Broker X pays cashback weekly with no minimum threshold.
- Broker Y pays monthly but requires $100 accumulated cashback before payout.
### 3. Restrictions & Exclusions
- Scalping/Hedging Policies: Some brokers exclude high-frequency trading strategies from cashback.
- Bonus Conflicts: If you claim a deposit bonus, cashback may be voided.
- Inactivity Fees: If an account becomes dormant, accumulated rebates may expire.
Pro Tip:
Always review the broker’s terms to avoid surprises.
Maximizing Broker-Specific Cashback
1. Compare Multiple Brokers
Not all brokers work with every forex cashback provider. Some have exclusive partnerships, so compare:
- Cashback rates
- Payout reliability
- Supported account types
### 2. Optimize Trading Style for Higher Rebates
- If a broker offers higher cashback on specific pairs (e.g., EUR/USD), focus on those.
- Adjust trade sizes to qualify for higher-tier rebates (if volume-based).
### 3. Leverage Broker Promotions
Some brokers run limited-time cashback boosts (e.g., +20% rebates for new traders). Stay updated on promotions.
Conclusion
Broker-specific cashback dynamics play a pivotal role in selecting the best forex cashback provider. By analyzing fixed vs. variable rates, spread vs. commission models, and payout conditions, traders can optimize rebates effectively. Always verify broker terms, prioritize transparency, and align cashback structures with your trading habits for maximum benefit.
In the next section, we’ll explore “4. Evaluating Cashback Provider Reliability”—ensuring you partner with a trustworthy rebate service.
4. Maximizing Cashback for Your Trading Style
Choosing the right forex cashback provider is only the first step—the next crucial phase is optimizing your cashback earnings based on your trading style. Since different traders employ varying strategies, understanding how to align cashback benefits with your approach can significantly enhance profitability.
In this section, we’ll explore how scalpers, day traders, swing traders, and long-term investors can maximize cashback returns while maintaining their preferred trading methodologies.
Understanding How Cashback Works with Different Trading Styles
Forex cashback is typically calculated based on trading volume (per lot) or spread markup (rebate on spreads). The more you trade, the higher your potential earnings—but this doesn’t mean you should overtrade just for cashback. Instead, you should integrate cashback into your existing strategy to improve net profitability.
1. Scalping: High-Frequency Trading for Maximum Rebates
Characteristics:
- Trades held for seconds to minutes
- High trading volume (dozens to hundreds of trades per day)
- Relies on tight spreads and low latency
How to Maximize Cashback:
Since scalpers execute numerous trades daily, they generate substantial trading volume, making them ideal candidates for high cashback returns.
- Choose a forex cashback provider with per-lot rebates – Since scalpers trade frequently, a fixed rebate per lot (e.g., $2-$5 per standard lot) can accumulate quickly.
- Prioritize brokers with low spreads – Cashback often offsets spread costs, so pairing a tight-spread broker with a strong rebate program enhances profitability.
- Avoid brokers with restrictions on scalping – Some brokers penalize high-frequency trading, which can negate cashback benefits.
Example:
A scalper trading 50 standard lots per month at $3 cashback per lot earns $150/month in pure rebates. If their net profit is $500, cashback boosts returns by 30%.
2. Day Trading: Balancing Volume and Strategy
Characteristics:
- Trades held for hours, closed within the same day
- Moderate to high trading frequency
- Focuses on intraday price movements
How to Maximize Cashback:
Day traders can benefit from both per-lot and spread-based rebates, depending on their broker’s structure.
- Opt for a hybrid cashback model – Some providers offer a base rebate per lot plus additional incentives for higher volumes.
- Monitor broker execution quality – Slippage and requotes can erode profits, so ensure your broker’s execution aligns with cashback benefits.
- Use partial closes strategically – Some brokers pay rebates only on fully closed trades, while others credit partial closes. Adjust your exit strategy accordingly.
Example:
A day trader executing 10 standard lots weekly at $2.50 per lot earns $100/month in cashback. If their average monthly profit is $800, rebates contribute an extra 12.5%.
3. Swing Trading: Leveraging Rebates on Fewer, Larger Trades
Characteristics:
- Trades held for days to weeks
- Lower trade frequency but larger position sizes
- Focuses on macroeconomic trends and technical patterns
How to Maximize Cashback:
Swing traders don’t generate as much volume as scalpers or day traders, but they can still optimize cashback by focusing on lot size and broker selection.
- Select a forex cashback provider with high per-lot payouts – Since swing trades involve larger positions, a higher rebate per lot (e.g., $5-$10) can be more beneficial than spread-based models.
- Negotiate custom rebate tiers – Some providers offer better rates for traders with consistent high-volume positions.
- Avoid brokers with high swap fees – Swing trades often incur overnight financing costs, so ensure cashback offsets these expenses.
Example:
A swing trader placing five 10-lot trades monthly at $7 per lot earns $350/month in cashback. If their net profit is $2,000, rebates add 17.5% to returns.
4. Long-Term Position Trading: Slow but Steady Cashback Accumulation
Characteristics:
- Trades held for weeks to months
- Minimal trading activity
- Focuses on fundamental analysis and long-term trends
How to Maximize Cashback:
Since position traders execute fewer trades, cashback plays a smaller but still valuable role in overall profitability.
- Look for forex cashback providers with no minimum volume requirements – Some rebate programs require high activity, which may not suit long-term traders.
- Prioritize brokers with low commissions – Since position traders hold trades longer, swap and commission costs matter more than frequent rebates.
- Combine cashback with other incentives – Some providers offer loyalty bonuses or annual rebate boosts for consistent trading.
Example:
A position trader opening two 20-lot trades quarterly at $8 per lot earns $320/year in cashback. While not as substantial as active traders, it still provides a risk-free return boost.
Additional Tips for All Trading Styles
1. Track Your Rebates Religiously – Use spreadsheets or cashback tracking tools to ensure your provider credits all eligible trades.
2. Avoid Overtrading for Rebates – Never increase trade frequency solely for cashback; focus on strategy first.
3. Diversify Cashback Sources – Some traders use multiple brokers and cashback providers to maximize earnings.
4. Stay Updated on Rebate Changes – Forex cashback providers occasionally adjust rates, so periodically review your program.
Conclusion: Aligning Cashback with Your Trading Style
A well-chosen forex cashback provider can significantly enhance profitability, but the key lies in tailoring rebates to your trading approach. Scalpers and day traders benefit most from high-volume rebates, while swing and position traders should focus on maximizing per-trade payouts.
By integrating cashback intelligently—without compromising your strategy—you can turn an otherwise passive benefit into a powerful profit-boosting tool. The next step is evaluating cashback providers that align with your trading frequency and broker preferences, ensuring you extract maximum value from every trade.
5. 2024 Trends in Forex Cashback
The forex cashback industry continues to evolve rapidly, driven by technological advancements, regulatory changes, and shifting trader preferences. As traders seek ways to maximize their profitability, selecting the right forex cashback provider becomes increasingly critical. In 2024, several key trends are shaping the landscape, offering traders new opportunities to optimize their rebates and enhance their trading experience.
1. AI and Automation in Cashback Calculations
Artificial Intelligence (AI) and automation are revolutionizing how forex cashback providers process and distribute rebates. In 2024, leading providers are leveraging AI to:
- Accurately track trades in real-time, eliminating discrepancies in rebate calculations.
- Automate payouts, ensuring faster and more reliable cashback deposits.
- Personalize cashback offers based on trading volume, strategy, and broker preferences.
For example, some providers now use machine learning algorithms to analyze a trader’s historical activity and suggest brokers that offer the highest cashback rates for their specific trading style.
2. Expansion of Multi-Asset Cashback Programs
Traditionally, forex cashback programs focused solely on currency pairs. However, in 2024, top forex cashback providers are expanding their offerings to include:
- Stocks, indices, and commodities – Traders can earn rebates on CFDs and other instruments.
- Cryptocurrencies – With the growing popularity of crypto trading, cashback on Bitcoin, Ethereum, and altcoins is becoming common.
- Futures and options – Some providers now include derivatives in their cashback schemes.
This trend allows traders to consolidate their rebates across multiple asset classes, increasing overall profitability.
3. Increased Transparency and Regulatory Compliance
As regulators tighten oversight on forex incentives, transparency in cashback programs is now a top priority. Reputable forex cashback providers in 2024 are:
- Providing detailed transaction reports – Traders can verify every rebate with timestamps and trade IDs.
- Complying with ESMA and FCA guidelines – Ensuring cashback offers do not encourage excessive trading.
- Offering no hidden fees – Full disclosure of payout thresholds and processing times.
For instance, some providers now integrate with MetaTrader 4/5 and cTrader to give traders direct access to their rebate logs, fostering trust and accountability.
4. Tiered and VIP Cashback Structures
To cater to high-volume traders, forex cashback providers are introducing tiered and VIP programs in 2024. These structures offer:
- Higher rebate percentages for traders with larger volumes (e.g., 2-3 pips per lot instead of the standard 1 pip).
- Exclusive broker partnerships with enhanced cashback rates.
- Dedicated account managers for personalized support.
For example, a trader executing 100+ lots per month may qualify for VIP status, unlocking premium rebates and faster withdrawals.
5. Integration with Social and Copy Trading
Social and copy trading platforms are gaining traction, and forex cashback providers are adapting accordingly. In 2024, traders can expect:
- Cashback on copied trades – Followers on platforms like ZuluTrade or eToro can earn rebates on mirrored trades.
- Incentives for strategy providers – Successful signal sellers may receive additional cashback bonuses.
- Community-driven rebate pools – Some providers offer group cashback rewards based on collective trading volumes.
This trend makes cashback programs more inclusive, benefiting both active traders and passive investors.
6. Blockchain and Cryptocurrency Payouts
With the rise of decentralized finance (DeFi), some forex cashback providers are now offering:
- Instant crypto payouts – Rebates paid in Bitcoin, USDT, or other stablecoins.
- Lower withdrawal fees – Blockchain transactions reduce processing costs compared to bank transfers.
- Smart contract automation – Self-executing payouts based on predefined conditions.
For crypto-savvy traders, this provides faster access to funds and greater flexibility.
7. Enhanced Mobile Cashback Tracking
Mobile trading is dominant in 2024, and cashback providers are optimizing their platforms for smartphones. Key developments include:
- Dedicated cashback apps – Real-time tracking, instant notifications, and one-click withdrawals.
- Seamless broker integrations – Syncing with mobile trading apps like MetaTrader Mobile.
- QR code rebate claims – Some providers allow traders to scan a code to instantly register trades for cashback.
This trend ensures traders can manage their rebates efficiently, even while on the go.
8. Eco-Friendly and Ethical Cashback Initiatives
Sustainability is becoming a priority in forex trading, and some forex cashback providers are introducing:
- Green rebate programs – A portion of cashback is donated to environmental causes.
- Carbon-neutral trading incentives – Rebate bonuses for traders using brokers with sustainable practices.
- ESG-compliant partnerships – Collaborations with brokers adhering to ethical trading standards.
This appeals to socially conscious traders looking to align their investments with their values.
Conclusion: Choosing the Right Provider in 2024
The 2024 trends in forex cashback highlight a shift toward automation, multi-asset rebates, transparency, and innovative payout methods. When selecting a forex cashback provider, traders should prioritize:
✔ AI-driven accuracy in rebate calculations.
✔ Multi-asset coverage for diversified earnings.
✔ Regulatory compliance and transparent reporting.
✔ VIP and tiered structures for high-volume traders.
✔ Mobile and crypto-friendly features for convenience.
By staying informed about these trends, traders can maximize their cashback potential and choose a provider that aligns with their trading goals in 2024.
8 FAQs on Choosing the Best Forex Cashback Provider in 2024
What is a forex cashback provider, and how does it work?
A forex cashback provider refunds a portion of trading costs (spreads/commissions) per trade. These rebates are paid weekly, monthly, or per-lot, depending on the provider. Traders sign up through the provider’s link and receive payouts based on their trading volume.
How do I evaluate a reliable forex cashback provider?
Look for:
– Transparency (clear terms, no hidden fees)
– Broker compatibility (supports your preferred broker)
– Payout reliability (consistent payment history)
– Customer support (responsive to queries)
Can I use multiple forex cashback providers at once?
Yes, but ensure your broker allows multiple affiliate links. Some brokers restrict cashback to a single provider, so check their policies first.
What are the 2024 trends in forex cashback?
Key trends include crypto payouts, dynamic rebate tiers (higher volume = higher returns), and AI-based cashback optimization tools that analyze trading patterns for maximum rebates.
Do forex cashback providers work with all brokers?
No—each cashback provider partners with select brokers. Always verify if your broker is supported before signing up.
How much cashback can I realistically earn?
Earnings depend on:
– Your trading volume (more lots = higher rebates)
– Provider’s rates (varies from $2–$10 per lot)
– Broker’s fee structure (ECN brokers often offer higher rebates)
Are forex cashback providers safe to use?
Reputable providers like CashbackForex, ForexCashback, and TopCashback are safe, but always:
– Read user reviews
– Avoid providers demanding upfront fees
– Check regulatory compliance (if applicable)
How do I maximize cashback for my trading style?
- Scalpers: Prioritize providers with per-trade rebates (high-frequency trades add up).
– Swing traders: Opt for higher per-lot rates since trade volume is lower.
– High-volume traders: Negotiate custom rebate tiers for better returns.