The answers are as follows:

1. Domestic U.S. dollar financial products

There are relatively few U.S. dollar financial products sold by banks in China, and the expected annualized rate of return is generally Below 2%. Go to the official websites of major banks and search to see the US dollar financial products on sale. Many people are familiar with RMB financial products, and many people also know that the return of the same type of RMB financial products is about 3% higher than similar products in US dollars. Therefore, only when the depreciation of the RMB is expected to exceed 3% (per year), US dollar financial products will be more attractive.

Rational investors need to ask themselves a question before investing: Why should I hold U.S. dollars? What is my purpose and long-term goals?

2. Overseas insurance

Many people choose to buy insurance in Hong Kong in order to spread risks. But in fact, insurance is insurance and investment is investment. Rational investors should not confuse the two.

3. QDII open-end funds

QDII has a low purchase threshold, a wide range of overseas markets and investment themes to choose from, and is not restricted by personal foreign exchange purchase quotas.

4. U.S. dollar private equity products

The investment threshold for U.S. dollar private equity products is relatively high, and they are mostly sold by some third-party financial institutions or private equity companies. Occasionally, securities firms and banks also participate in the sales. The admission amount usually starts from 1 million or 3 million yuan, and the term is longer (more than one year). The investment direction is mostly equity, commodities, financial derivatives, and some also participate in the issuance of new shares in the United States or the secondary market. This type of product is not suitable for ordinary investors. Therefore, most ordinary investors invest in QDII open-end funds.