What are the tips for foreign exchange investment and financial management?

Investors who participate in foreign exchange investment and financial management should not only pay attention to raising interest rates, but also pay close attention to the pressure of RMB appreciation. In the long run, the marketization of RMB exchange rate is the general trend. Under the pressure of RMB appreciation, investors should pay attention to some foreign currency financial management tips:

1. Convert US dollars into RMB. At present, the interest rate of domestic US dollar deposits is lower than that of RMB, the US dollar has a tendency to depreciate, and the opportunity cost of holding US dollars is increasing. At the same time, it is quite convenient to buy foreign exchange abroad now.

2. Convert US dollars into Asian currencies through foreign exchange transactions and hold them. The depreciation of the US dollar against the euro, Swiss franc and other European currencies exceeds 30%, but the depreciation against the Japanese yen is less than 10%. At present, the pressure of dollar depreciation has not been eliminated. It is suggested that investors with less risk can buy Hong Kong dollars, which is more risk-tolerant. You can consider buying yen.

3. By purchasing foreign exchange wealth management products issued by banks, the income of funds can be greatly improved under the condition of ensuring the principal.

4. Investors with certain foreign exchange knowledge can obtain the spread income of foreign exchange trading through foreign exchange trading under the guidance of bank traders.