2.QDII fund.
3. Overseas insurance.
4. American real estate.
5. American private equity funds.
6. American stock market.
1, deposit and bank financing. The bank deposit interest rate of USD is 0.05% for current account; The one-year time deposit rate is 0.75%; The guaranteed interest rate of bank wealth management is about 1%, and the non-guaranteed interest rate is about 2%. The general term is half a year or one year. The threshold for bank financing dollars is generally $8,000. There are quite a few US dollar wealth management products sold by domestic banks, and the expected annualized rate of return ranges from 0.75% to 3. 1%.
2.QDII fund. Fund products issued by domestic financial institutions and invested in overseas markets through legal foreign exchange channels. Through QDII funds, you can also know what kinds of dollar investment assets are. At present, QDII funds denominated in US dollars have become the main channel for China investors to invest in US dollar assets. QDII funds do not need to occupy the foreign exchange quota of 50,000 dollars per person per year, nor do they need to exchange dollars in advance. They can directly invest in RMB, which can not only enjoy the benefits of investment, but also bring exchange rate benefits once the RMB depreciates. The threshold for purchasing QDII funds is very low, generally ranging from 65,438+0,000 yuan to 65,438+0,000 yuan, and most QDII funds are denominated in US dollars. The management fees, subscription fees and redemption fees of QDII funds are about 1% higher than those of domestic funds.
3. Overseas insurance. For investors with financial assets below $300,000, if they still live in China, it is inconvenient to need money urgently, and the income after changing money into dollars or wealth management products may be unsatisfactory. Another way is to buy overseas insurance and allocate foreign currency assets through a reasonable combination of insurance types. At present, Hong Kong insurance is the most popular overseas insurance, including critical illness insurance, endowment insurance and dividend insurance for investment and wealth management, which can better meet the needs of high-end customers for high insurance coverage, overseas asset allocation and high-end medical services.
Take Hong Kong deposit insurance as an example. Basically, it is a US dollar insurance policy, which is equivalent to a savings plan for medium and long-term financial management goals. Usually enjoy a stable and considerable return (the annual return rate is around 6%), which is quite attractive. You can know what kinds of assets are invested in dollars, but don't forget that domestic laws are not applicable to Hong Kong insurance, so you should know the laws there before buying Hong Kong insurance.
4. American real estate. The houses in some high-quality residential areas in the United States are still very stable. Although house prices also fell sharply during the financial crisis, they rebounded rapidly after the financial crisis. To buy a house in the United States, we should understand one problem: the house price in the United States is definitely only rising but not falling, and the subprime mortgage crisis is a bloody fact. Compared with China, the housing price in the United States is relatively low, but it is already high compared with the United States itself. The higher the house price, the smaller the room for growth; Most people only see that houses in America are cheap, but they don't know the difficulty of raising a house in America. If you own a house in the United States, you will face complicated problems such as tax, law, daily maintenance and so on. What's more, the laws of these problems vary from state to state. Simply put, buying a house is just the beginning, and it is much more difficult to raise a house than buying a house.
5. American private equity funds. The management scale of private equity funds in the United States is eight times that of private equity funds in China, so the types of private equity funds in the United States are also richer; In addition to traditional hedge funds, PE, VC and real estate, there are also asset securitization funds and liquidity funds. Not to mention the types of dollar investment assets, there are so many private equity funds in the United States. Compared with the domestic private equity industry, the return on investment is simply incomparable, because the United States is, after all, a market with more intense financial competition and more saturated supply and demand. In addition, investors should bear their own risks. In the United States, there is no hidden rule of rigid redemption at all, and the investment income cannot be reflected in the short term.
6. American stock market. American stock market, Japanese bonds and China real estate are called the three bubbles in the world. If you don't panic about money, I suggest you don't do such a reckless thing. The participants in the US stock market are mainly institutional and professional players, unlike China, which is dominated by retail investors. Although the American stock market will not be like the China stock market, like a roller coaster, it is also ebb and flow and unpredictable.