The depreciation of RMB will make residents' money worthless, and it can be preserved by allocating some of the following wealth management products:

1. Allocate some US dollar assets

In the case of RMB depreciation, the US dollar has appreciated relative to China, so residents can consider allocating some US dollar assets to preserve the value of their funds. For example, when residents go to the bank to exchange some US dollars, the SAFE still has strict control over foreign exchange, and the personal quota is limited.

2. Buying gold

As a hard currency, gold has the function of storage. At the same time, gold reserves have always been used by the central bank as an important means to prevent domestic inflation and regulate the market. For residents, buying gold can achieve the purpose of increasing value and preserving value in the case of RMB depreciation. Among them, residents can go to banks or gold shops to buy gold.

3. Although buying stocks

is risky, it is also profitable. Under the devaluation of the RMB, residents can choose to buy some blue-chip stocks, white-horse stocks, or stocks that benefit from the devaluation of the RMB, such as textiles and clothing, toys, home appliances and other foreign trade industries, to resist the depreciation of the RMB.

4. Real estate

In the case of RMB depreciation, residents can allocate some real estate, such as shops and houses, hold them for a long time, and appreciate them.

5. Buying funds

The income of funds is between bank deposits and stocks, but its risk is less than that of stocks. Under the depreciation of RMB, residents can choose to allocate some funds, and it is best to choose the way of fixed investment. By constantly buying and increasing the share of positions, they can spread risks and exchange time for income.

6. Bank wealth management products

When RMB depreciates, residents can reduce bank deposits and increase the allocation of wealth management products, so as to reduce the negative impact caused by RMB depreciation through the excess income of wealth management products. At the same time, residents should choose products that are suitable for their investment preferences when purchasing wealth management products.

7. qdii investment

qdii fund refers to a securities investment fund established in a country and approved by the relevant departments of the country to engage in securities business such as stocks and bonds in overseas securities markets. It is a transitional institutional arrangement that allows domestic investors to invest in overseas securities markets to a limited extent when the currency is not fully convertible and the capital account is not yet open.

8. certificates of deposit

certificates of deposit refer to certificates of deposit issued by banking deposit-taking financial institutions for individuals, non-financial industries, government organizations, etc. They have a certain term, and are generally divided into 1 month, 3 months, 6 months, 9 months, 1 year, 18 months, 2 years, 3 years and 5 years. The longer the term, the higher the expected rate of return.

9. Fixed-income wealth management products

Fixed-income wealth management products, that is, its expected income is locked in a certain range, and its risk is small. Investors can buy such products through banks, insurance companies or securities companies.

1. National debt

National debt is a creditor-debtor relationship formed by the state based on its credit and raising funds from the society. When the national debt expires, it will return the principal and pay interest, which is basically zero risk. Among them, the larger the amount of national debt purchased, the longer the term, and the higher its interest rate.