How Big Is The Influence Of RMB Devaluation?

Over the past ten years, the renminbi has been rising, and every Chinese feels that the motherland is thriving and its strength is hard.

Recently, the yuan began to depreciate at a time, making the "young" investor like the next door man panic.

Then, will the renminbi depreciate greatly? Will the people really want to change the US dollar? Xiaobian intercepts the chart of the US dollar against the RMB over the past ten years. It is easy to see that the RMB appreciated by 25% against the US dollar. We thought it was normal, and then depreciated by 10%.

At present, many experts and scholars have given the expectation of the future devaluation of the renminbi.

But to alleviate Uncle Wang's worries, we still need to understand how the devaluation will affect us.

As we all know, devaluation will be a good thing for export enterprises. It will benefit from the fact that export prices are cheaper in the international market, and the improvement of price competitiveness will help to increase orders and increase profits.

But for most of the people who invest and consume in China, the depreciation of RMB will cause the valuation of RMB denominated assets to decline, leading to weaker financial and real estate sectors, which will drag down the overall market. At the same time, the outflow of hot money will also tighten the liquidity of A shares and the volatility will also increase.

In the field of daily life, RMB

It will cause the cost of raw materials such as oil, natural gas, soybeans and other imported raw materials to increase, resulting in imported inflation and affecting people's clothing, food and shelter.

For families who are going to study abroad or plan to immigrate, the depreciation of the renminbi is directly causing their cost to rise. Even the poor girls who are keen on the sea can not happily buy and buy them now.

Now, do we really need to change the RMB in US dollars into the risk of depreciation? Let alone, it is really a problem of being poor and rich and having to watch the dishes.

For ultra high net worth people who can invest more than 10 million of assets, many of them have begun to configure overseas assets, such as sending children to study abroad, family migration, overseas home purchase and so on.

Since there is a domestic limit of 50 thousand US dollars per person per year, we propose to purchase foreign exchange in stages and on a reasonable basis in order to reduce the exchange cost.

In exchange for money, if the amount of money is large, you can also ask the bank to ask for a better exchange rate.

At the same time, on the operation, we should choose regular financial institutions, do not blindly take steps to prevent depreciation and take some illegal means, and finally cause economic losses.

For investors who can invest in assets less than 5 million, and the source of income and consumption are domestic investors, from the perspective of diversifying investment and guarding against a single currency risk, you can properly configure some US dollar assets, but do not exceed 10% of your total assets. After all, the US dollar is not your common currency and can not be circulated in the domestic market. Compared with RMB, the investment channels and return rates are also very limited.

If you have no confidence in RMB, you want to change it.

After that, what investment can we make at home? In fact, in the long term economic cycle, the appreciation or depreciation of any country's currency is normal.

If only the US dollar is fixed, the interest rate of most domestic banks will be around 0.5%, and some banks will provide us $2% regular products with high interest rate.

Think about the interest rate of RMB products, do you still feel that socialism is good?

The US dollar can also be used to invest in overseas bonds, usually in 3-6 months, with a period of 1-10 years or even longer. It is a good choice for investors who prefer fixed interest classes and more conservative ones.

But in addition to taking credit risk, bonds will also follow the market.

Fluctuations in supply and demand are not guaranteed capital.

Moreover, such bonds have a higher investment starting point and local tyrants are optional.

In addition, there are many QDII fund products in China, and direct investment in US dollars. Foreign exchange quota is limited. There is no limit to the allocation of US dollar assets by investing in the QDII fund.

It can be purchased either in dollars or in Renminbi.

For investors with higher risk tolerance, they can also participate appropriately without a reasonable asset allocation ratio.

For some of the investment products linked to foreign exchange options provided by some banks, because of the greater risk, if you are a customer without foreign exchange investment experience, you should not follow any confusion.

Speaking of which, those ordinary families who neither go abroad nor emigrate or rely on Jingdong Tmall may have been impatient.

Xiaobian sincerely feels that the slow depreciation of the RMB will not have a special effect on your life.

The depreciation of the renminbi is not equal to inflation, nor is it equal to vicious inflation. The downward trend of exchange rate does not mean that domestic prices have soared and money bags have shrunk rapidly.

Whether depreciation or appreciation, in the long run, how to invest well in the domestic market and enhance their overall return rate is much more important than avoiding the risk of RMB depreciation.

The philosopher says that no one can live beyond his time.

To put it plainly, ordinary investors try hard to find an investment way that can surpass the index and beat inflation. Work hard and find ways to earn more money than anything else.