For the general public, the biggest worry is that family wealth will shrink after the devaluation of the RMB. Judging from the purchasing power of money, the depreciation of RMB will inevitably lead to the decline of purchasing power, inflation can be expected, and the preservation of family wealth has become a top priority. Therefore, it is wise to invest RMB in wealth management products and earn back 2% of the depreciation. William, a senior financial planner, suggested that on the one hand, when allocating wealth management products, we should actively adjust the investment methods. Some stable wealth management products such as Yishengbao launched by professional wealth management institutions can be focused on, but banks, overseas investment products and stocks affected by exchange rate should be treated with caution, because the investment income of bank wealth management products is still declining, while the threshold of overseas investment products such as US dollar investment products is higher, generally above US$ 6,543,805, and excluding exchange rate fluctuations, the expected yield of these products is generally lower than that of stable wealth management products such as Yishengbao, and the annualized income is about/kloc. On the other hand, RMB depreciation will divide the wealth management product market and benefit the gold and export industries. Therefore, when allocating wealth management products, we should pay attention to the investment of their funds, and at the same time, we can hold gold for a short time to hedge risks. As a channel to preserve family fortune's value, don't follow suit in the stock market and avoid aviation and steel stocks. After all, the depreciation of RMB exchange rate is a "one-time correction".

China took the initiative to raise the quotation of the central parity rate of RMB against the US dollar, with the main purpose of further promoting the marketization of interest rates and the reform of RMB exchange rate formation mechanism, and at the same time providing conditions for maintaining economic stability in the second half of the year. However, the depreciation of RMB exchange rate will also have some collateral effects, which will also have a two-way impact on the wealth management market. For investors, exchange rate differences can be partially compensated by purchasing wealth management products.