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The impact of raising interest rates is limited.
ICBC foreign exchange financial experts analyzed this. At present, due to the instability of the US economic recovery and the Fed's repeated reaffirmation of the "prudent and orderly" rate hike, it is unlikely that the US dollar interest rate will rise sharply in the short term, and its impact on foreign exchange investment and wealth management markets at home and abroad is also very limited.
Of course, if the US dollar interest rate continues to rise and the domestic US dollar deposit interest rate rises, the risk of investing in wealth management products will inevitably increase. Mainly manifested in the following aspects: First, the interest rate rises, the gap between foreign exchange deposit income and wealth management products income will narrow, and the potential income of wealth management products will decrease. However, because the annual income of wealth management products on the market is usually much higher than the deposit interest rate in the same period, even if the deposit interest rate is raised, it is unlikely that the deposit income will overtake the wealth management products. Secondly, as interest rates rise, products linked to LIBOR will face greater risks. If the term is long and there is no early redemption right, the income of such products may be zero in the next few years, and investors will lose the opportunity to obtain other investment income. However, in order to make up for this risk, banks usually give investors a high first-year fixed rate of return, so that even if the later income decreases, the average annual rate of return of products can still be maintained at a high level. Third, with the rise of interest rates, products linked to the Li-BOR range are relatively safe, but there are also certain risks. Banks generally consider future trends when setting interest rate ranges. As long as the US dollar interest rate does not suddenly rise sharply, LIBOR is likely to fall within the predetermined range in the next few years. However, if the preset interval is narrow, the possibility of LIBOR exceeding the interval in the later period still exists.
Select products according to tolerances.
In short, the uncertainty of foreign exchange wealth management products will increase with the rise of interest rates. However, because banks will constantly adjust the nominal yield of products according to the basic interest rate at that time, investors can still get good returns as long as they master the characteristics of different products and choose the most suitable products according to their risk tolerance. Take ICBC's "Jin Ju" foreign exchange wealth management product series as an example, which contains a combination of various types and risks, including products with stable returns, products with moderate risks and products with high returns and high risks. Ordinary investors who lack research on the foreign exchange market are safer to choose "higher and higher" and "more funds and more stars"; And those investors who have certain risk tolerance can choose "lucky stars" with higher potential returns. In addition, banks will launch some targeted new products according to market changes. For example, ICBC is planning to launch a foreign exchange wealth management product with a new structure: first, a target rate of return is preset, and when the accumulated income of investors reaches the target, the product will be terminated, so that even if the interest rate of the US dollar rises, the income of investors can be guaranteed.
It can be seen that foreign exchange wealth management products are gradually getting rid of the role of foreign exchange investment substitutes in the period of low interest rates, becoming the mainstream foreign exchange wealth management channel with wider, safer and higher returns for investors, and are widely accepted by investors. Lu Xianghua and Chen Yuling