1. Customers who hold foreign currency for different purposes need to consider different financial management strategies. For example, citizens who hold foreign currency and will have "rigid demand" for foreign exchange trade, study abroad and immigration within half a year or 1 year can consider the "capital preservation" strategy, that is, buy some capital preservation foreign currency wealth management products to ensure an annualized rate of return of about 2.5%.

Foreign exchange savings are not recommended. As banks cut interest rates on foreign currency deposits in succession, the interest rates of many currencies even fell by as much as 70%, far below the guaranteed foreign exchange wealth management products. Such foreign exchange holders can temporarily ignore the current exchange rate fluctuations. As long as the foreign currency wealth management income is compared with the inflation rate of the user country, the income only needs to outperform the local inflation rate, then the "transaction" is considered successful.

2. For investors who have foreign currency in hand and have no need to use it within 1 year, it is suggested to choose to settle foreign exchange, convert foreign currency into RMB, buy RMB-denominated wealth management products or choose other RMB wealth management channels. On the one hand, it can avoid the losses caused by the continuous depreciation of foreign currency. At the same time, from the domestic market, except for a few currencies (Australian dollar), RMB is better than euro and pound.

3. Investors with certain foreign exchange reserves, time and professional experience can conduct certain firm trading and margin trading to realize the preservation and appreciation of foreign currency. At present, many banks have opened foreign exchange firm trading, and many banks have also opened foreign exchange margin trading for choice.