The maximum amount of foreign exchange settlement for domestic individuals is 50,000 US dollars a year, and there are no other restrictions. At present, domestic residents' own foreign exchange funds have the following investment channels:

1. Invest in B shares;

2. Investing in foreign exchange wealth management products issued by commercial banks;

3. invest in various QDII products;

4. Foreign exchange and gold trading. With Tianjin Binhai New Area carrying out the pilot project of domestic individual direct investment in overseas securities market, the number of foreign exchange financing methods for individual residents has increased to four.

The foreign exchange market has a unique advantage. The trading hours of the stock market are usually from 9: 30 a.m. to 3: 30 p.m., so many office workers can't trade normally. Foreign exchange margin can be traded 24 hours a day except Saturday [6.29% fund research report] and Sunday, and many office workers can make financial investment without affecting their work. In addition, there is a short-selling mechanism for foreign exchange margin, which can be traded in two directions and can be bought and sold. Third, the daily trading volume of the foreign exchange market is about 2.5 trillion US dollars, and almost no one or institution has the ability to dominate the market, which is fairer to ordinary retail investors.