In view of the possibility of RMB appreciation in the near future, I think there are several safest and most effective investment modes (below 65,438 yuan +0.5 million yuan), which are arranged according to the safety factor.
1. Buying a house If you are a first-tier city in China, the appreciation of the renminbi will inevitably lead to the promotion of the housing market and the stock market, and it is very likely that house prices will rise. If it is a second-tier city, it doesn't matter, but when choosing a house, you must choose a potential location. More reliable. A relative of mine bought a building this summer, which has appreciated by tens of thousands of yuan so far, but now the RMB has not really appreciated. Therefore, the housing market still has a lot of room for appreciation. Maybe you think the real estate bubble in China is very high, but believe me, no matter how high the real estate bubble is, it can't stop China private capital and overseas hot money. When will there be no real estate speculators in China, then you have to worry about this problem again, so I recommend buying a house.
2. Buy heavy metals to preserve value, and many people will think of gold to preserve value. In fact, you can not only buy gold, but also other metals such as tin and copper, but it is best to have an acquaintance to introduce the purchase channel, which is not recommended here. In addition, don't buy second-hand gold to preserve the value, because the value of second-hand gold is very low, and the world economy has recovered steadily recently, and the price of gold will not rise or even fall sharply. The so-called "buying gold in troubled times" is a universal truth. For example, after the last financial crisis, the price of gold rose sharply, but domestic gold accounts were troublesome and failed to seize the last chance. Metal preservation is still not recommended, at least the gold market should not participate.
3. speculation in foreign exchange, the problem is that RMB appreciation is the most likely, so what should I do if I buy foreign exchange with RMB and then sell it, and finally accompany myself? Actually, this is very easy to handle. Although there is no short-selling mechanism in China, people are alive. If institutions cannot invest, they can invest in individuals. Simply put, you can "borrow" foreign exchange from other units and individuals and then change it into RMB. When the RMB appreciates, it will be converted into foreign exchange return. If the RMB appreciates, the foreign exchange will definitely be more than the original, so the rest is the profit you earned. As for what kind of units and individuals "borrow" foreign exchange?
I think the above three points are most suitable for public investment, so I listed them. Of course, you can also open a physical store to run some good projects, but if you don't have that much energy and management ability, I still recommend you to buy a house. It can't be wrong.
I wonder if you are satisfied with my answer?