Some experts believe that RMB depreciation should only be a short-term phased adjustment, and it is unlikely that it will continue to depreciate. For investors who already have some experience in foreign exchange operation, experts suggest choosing band operation. At present, there are many trading tools in the foreign exchange market, such as foreign exchange margin trading and foreign exchange option trading, which are still very attractive to investors.
It is worth mentioning that, assuming that RMB enters the depreciation channel, the investment value of foreign currency wealth management products will be highlighted. Judging from the current market situation, foreign currency wealth management products with a yield of less than 3% last year have recently risen to more than 5%. In particular, wealth management products such as the Australian dollar have a maximum yield of 5.2%.
The futures market is worthy of attention, and the continuous decline of RMB will have a great impact on the domestic refined oil market. First of all, the depreciation of RMB means the increase of import cost, so for some domestic oil companies that mainly import, the cost will increase and the product price will rise accordingly. Secondly, the decline of RMB will also boost the price of locally produced gasoline and diesel, and the price of gasoline and diesel will rise accordingly, thus supporting the entire domestic refined oil market.
For ordinary investors, although there are not many channels for direct investment in futures and the risks are great, they still invest indirectly through various means, especially structured wealth management products. This kind of wealth management products are suitable for customers with judgment. It is generally recommended to allocate 10% of assets, that is, only 10% of assets are used to purchase wealth management products linked to gold. At the same time, it is suggested that investors can consider gold wealth management products with unilateral touch and interval accumulation during the period. The income of these two kinds of products is judged by the performance of commodity prices during the whole observation period, not only the price at maturity, but also the actual income is greater than the products that are bullish or bearish at the end of the period.