For example, if you often travel abroad, or if you have children studying in the United States, you can change them.
Buying and selling dollar assets to make money hedging. If you have long-term funds and the ability to invest in dollar assets, you can change as much as you want according to your own asset ratio.
The exchange rate has a real impact on hundreds of millions of yuan of funds. If the cash assets exceed10 million, it is suggested that about 20% of the US dollar assets can be allocated. If the cash assets do not exceed10 million yuan, there is no need to allocate any dollar assets at all.
Of course, there must be logic and data support behind the point of view. Then, the reasons for putting forward the above three viewpoints are as follows:
Most people buy dollars because there is no investment channel, and finally they lie on their accounts and eat some interest, while the deposit interest rate of dollars is very low, about 1%. After deducting management fees, handling fees, and the price difference when buying foreign exchange at the bank, you may earn some exchange rates in the end, but you will eventually lose interest rates. By the end of the year and other special periods, bank financing with an annualized domestic income of about 4% can basically help you recover the exchange rate losses. Of course, if your capital is 6.5438+0 million, which is enough for qualified investors, you can still find many safe wealth management products with an annualized rate of return of 8%. If you can take certain risks, it is also a very good opportunity to participate in fixed-income products. There is such a rule in China A-shares. When the price is below 3,000 points, the probability of fixed-income products is above 80%. Therefore, more efforts and research on domestic financial management can basically help you recover these losses in the exchange rate.