What should we do with our money in order to avoid RMB depreciation? You can invest to preserve and increase the value.
(1) Buy gold
In fact, as we all know, gold is the most valuable, and gold is very valuable at any time. Similarly, in recent years, the gold index has remained at 1200~ 1600 USD. There is no sharp depreciation, which can really avoid the impact of RMB depreciation.
(2) buying bank stocks
Use the existing funds to enter the stock market, and directly buy the shares of the four major state-owned banks after entering the stock market. Because the bank stocks in the A-share market have long-term value investment and pay dividends every year, the annual dividend income is about 4%~6%, which can completely offset the impact of RMB depreciation, thus indicating that the fund can maintain and increase the value of bank stocks.
(3) You can deposit large certificates of deposit in small banks.
The bank's deposit business belongs to risky financial management, and the funds deposited in the bank are actually only used to preserve the value. Therefore, in order to avoid the impact of RMB, a large deposit certificate with money in a bank, similar to a five-year large deposit certificate of a small bank, can also preserve the value, which can completely impact the impact of RMB depreciation.
(4) can invest in industry
It is difficult to invest in industry at present. You can use your own funds to invest in industries you are familiar with, or you can invest in shares. As long as the annual return rate of the investment industry is 6%, the depreciation of the RMB can be defeated. Only in this way can human wealth overcome the depreciation rate of RMB.
In short, the currency of any country will depreciate with the development of economy and the rise of prices. With the rapid development of domestic economy, the depreciation of domestic RMB is inevitable. It is becoming less and less valuable to want your own money to avoid RMB depreciation.
Therefore, the money in our hands must be invested. Only when the money is between 4% and 6% every year can we really maintain and increase the value and avoid the impact of RMB depreciation.