Domestic foreign exchange wealth management products can be described as various, which can be classified into four categories: interest rate category, exchange rate category, credit category and index category, and each category contains products with different structures. According to the current market environment, financial experts suggest paying attention to the following points:

1. Notice deposit: Some banks have introduced US dollar notice deposit, and depositors can get back the deposit principal by giving five days' notice in advance, and get the deposit interest rate equivalent to the same level of time deposit interest rate according to the actual deposit period, which provides the greatest convenience for customers to manage their finances.

2. Structured deposits with investors' right of early termination: the term can be 1-3 years, and the fixed coupon rate can reach 1.5% to about 3.0%. The biggest feature of this product is that it can give investors the right to terminate, and decide whether to terminate the deposit in advance and start a new product on each interest payment date.

3. Linked interest rate interval deposit: This product is linked to LIBOR interest rate interval, with a deposit term of 2 years, and the deposit interest rate is calculated according to the number of days LIBOR is in the agreed interval. This kind of deposit has a short term, and under certain market risks, it is possible to obtain income several times higher than the deposit interest rate in the same period.

4. RMB exchange rate-linked deposits: RMB appreciation is a hot topic in recent years. Assuming that the speed and magnitude of RMB appreciation is not too great in the short term, customers can consider investing in "structured deposits linked to RMB exchange rate". The term of this kind of products is generally less than 6 months. If investors judge the exchange rate in line with the market trend, they can greatly improve the wealth management income.