From the perspective of asset allocation, investors holding a certain proportion of overseas assets can effectively resolve the risk of a single market, which is particularly important for investors with high assets. With the unilateral appreciation trend of RMB broken and the two-way fluctuation increased, the exchange rate, an important factor in allocating overseas assets, is no longer the main obstacle, and investors can allocate overseas assets more calmly.
From the operational point of view, investing in domestic QDII funds is a relatively simple way to allocate overseas assets. There are about 100 QDII funds in the domestic market, with many investment directions, including: stock index, bonds, real estate, gold, resources, top consumer goods, emerging markets and many other fields. These QDII funds not only provide more market choices, but also provide investors with basic assets that domestic products cannot involve in the fields of energy and top consumer goods.
When choosing QDII funds, we must have a clear understanding of their investment, and the analysis and research on relevant markets or targets will be of great help to product selection. In addition, from the perspective of asset allocation areas, funds with Hong Kong stocks and China Stock Exchange as the main investment targets are highly correlated with the domestic stock market and cannot really resolve risks. Investors can choose investment targets in a wider range of fields such as US stocks and BRIC countries.
QDII funds enrich the ways of asset allocation, but because of its wide investment scope and different risk attributes, ordinary investors are not familiar with the relevant markets, so it will be more difficult to choose, and investors can consult the relevant ones.