Should Investors Now Exchange Dollars?

At the moment, the RMB exchange rate has plummeted. What stage is this fall? Is it the end of the fall or the drop of relay? If it is the end of the fall, it may not be meaningful to do asset allocation conversion at this time. It may even miss the chance to rebound. If it is a drop relay, it should adjust the asset allocation strategy.

But fundamentally, the renminbi does not have the basis for a sustained devaluation, but how long will the fall of the exchange rate continue, and which assets have an opportunity in such a continuous process? This requires a keen sense of smell.

The trend of RMB exchange rate fluctuate is known as "monkey market" by insiders.

Recently, the RMB exchange rate has plummeted, and the A share market has also plummeted. Hong Kong dollar exchange rate and Hong Kong stocks have also fallen sharply.

Why did the RMB exchange rate plummet? This is not the first time it has encountered. Every time the RMB exchange rate plummeted, there will be various reasons for it. Moreover, they are all economists.

As an ordinary investor, if there is no foresight, when the depreciation of the RMB really comes, there is no need to panic too much.

The answer is not complicated: if you are a long-term investor, you can ignore the current RMB crash; if you are a short-term investor,

People should pay close attention to short-term financial products or switch investment strategies.

The most fundamental reason for the fall of the current round of RMB is probably the decline of global economic growth, especially the emerging economies represented by China. After experiencing many years of high growth, it has entered the 2 era of pformation and upgrading. The rise of labor costs, the decline of demographic dividend, and excess production capacity are faced with multiple factors such as clearing up, stocktaking and deleveraging.

At the same time, exports are also not as fast as the previous era of high growth. The RMB exchange rate declined against the US dollar. There are economic fundamentals. There are also many factors, such as the decline in foreign exchange reserves, the central bank's monetary policy and the Fed's interest rate increase.

Exchange rate and interest rate are closely linked. It is not a clear sentence to talk about exchange rate, nor is it understood by ordinary ordinary people at one thirty.

After the sharp fall in the RMB exchange rate, there are a lot of reasons for the Internet, WeChat and other media.

The renminbi exchange rate will affect the stock market and foreign exchange market in the near future, which will also affect the strategy of RMB internationalization.

But one thing is certain that the renminbi has long been in the path of appreciation, and there is no asset that has long been rising or falling.

Now that it is down, the reason is definitely a lot of things. It is a lot of things to be said. It is nothing more than a matter of fact that it has been a long time to revalue, and now it is down and down.

Moreover, the decline of the RMB exchange rate has also occurred many times.

If you are a short-term financial manager, at present, the fall of the RMB exchange rate has affected the stock market. The stock market in the world is all in a cold spell, but it may shrink on equity assets, but this is actually a belated afterthought.

Just now,

It has already fallen into thin air. At this time, we will sell the equity assets again. Maybe the market will fall later, but at least it should not fall.

And if it is not sold, it can actually configure a low risk asset, such as the class a share of the fund, the classification fund, or even some equity products.

It is said that in the first ten years, if you have nothing to do with buying real estate, it may not be related to financial freedom. In the next ten years, it must be the era of equity investment. In this case, simply believe that the product of equity investment is actually good.

However, this product generally has a higher investment threshold and can participate in the form of equity financing.

Alternatively, you can change part of the renminbi assets into gold or dollar assets.

The US is the leader in the current economic recovery.

The hegemony of the US dollar determines that US dollar assets are relatively safe in the short run.

So if you think the renminbi will continue to depreciate, you may want to take part of the asset allocation into the US dollar.

At least, as the largest economy in the world, the US economy is the most robust. The probability that the US dollar will depreciate significantly in a short time is relatively low.

Therefore, if you have an international asset allocation vision, part of the asset allocation to the US dollar will be a safe choice.

Many times, for the public, unless some kind of

It is meaningful to form a trend of rise or fall.

For a while, this opportunity is not what ordinary investors can grasp. In this case, it is better to ignore it.

Therefore, asset allocation must be paid attention to in many cases. Whether you have more money or less money, the concept of asset allocation must have.

The RMB exchange rate crash is only a reminder that you should pay more attention to asset allocation and develop this investment habit.

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