The RMB has depreciated by two feet again!
Today (July 19), the spot exchange rate of RMB against the US dollar was as low as 6.70 17, which fell below the sensitive mark of 6.7. It is the lowest since 20 10, 1 1. On June 5438+09, the central parity rate of RMB against the US dollar was reported at 6.697 1.
In the same period last year, the central parity of RMB exchange rate was around 6.2, which means that it is now exchanged for 1 10,000 US dollars, nearly 5,000 yuan more than last year.
1. How much has the RMB depreciated? Let's first calculate how much RMB 1 10,000 yuan needs to be converted into foreign currency.
According to Sina's foreign exchange data, in the past year, the RMB depreciated the most against the Japanese yen, reaching 26.80%, while against the euro and the US dollar, it was 10.39% and 7.94% respectively. Among the major currencies, RMB only appreciated by 8.65,438+07% compared with last year.
The depreciation range of RMB against major foreign exchange
In other words, it is more expensive to study in Japan and the United States. In the same period last year, the central parity rate of RMB against the US dollar was around 6.2, which was lowered to 6.696 1 yesterday. In other words, the same exchange rate 1 10,000 US dollars will cost nearly 5,000 yuan more this year than last year.
How much has the RMB depreciated? Let's calculate, how much RMB is needed to change 1 10,000 yuan of foreign currency?
(Source: Sina foreign exchange spot exchange rate)
As can be seen from the above figure, except for the appreciation of the pound, the RMB has depreciated against other foreign exchange. Last year, it cost 96,857 yuan to exchange 1 10,000 pounds, but this year it only costs 88,944 yuan, 79 13 yuan less than last year. Converting 1 10,000 dollars cost 4932 yuan more than last year.
Study abroad party, Haitao party can go to Britain to chop chop hands.
Second, the devaluation of the RMB, how to keep our money bag.
The depreciation of RMB makes many investors worry about the preservation of assets in their hands. What's better to invest in foreign exchange, buy a house or stock market?
1 USD, recommended index: ★
First of all, the dollar will not raise interest rates in the short term. Secondly, the interest rate of dollar financing is too low. The interest rate of one-year time deposit in US dollar is 0.6%, and that of one-year time deposit in RMB is 1.5%.
The annualized income of guaranteed dollar wealth management products is about 1.2%-2.85%, and the purchase threshold starts at $5,000 or $8,000, while the annualized income of RMB unstructured bank wealth management products is about 4.5%.
Finally, QDII funds are not much better than A shares. There are few funds to buy, and the risk is high. It is better to invest in our domestic funds.
2 gold, recommended index: ★★
When it comes to hedging, the first thing that comes to mind is definitely gold. If you really want to invest in gold, you can consider funds and paper gold products and participate in a small amount. It is not recommended to put most of your wealth on gold. After all, the price of gold is elusive. You know, the Chinese aunts who went to Wall Street to buy gold in those years just got rid of them.
3 Real estate, recommended index: ★★★★
Although it is not so easy to make a lot of money by pointing to the house, the function of maintaining the value of high-quality real estate is justified in the situation that everything you buy now may lose money. Theoretically, RMB depreciation will lead to a decline in house prices, but because high-quality real estate itself has value-added benefits, it can hedge some RMB depreciation risks.
For high-quality buildings in first-and second-tier cities, especially houses with good infrastructure and convenient transportation around schools and business districts, you can consider buying them if you have money; But for third-and fourth-tier cities, the possibility of falling house prices is high, so these houses are not suitable as hedging tools.
4 Stock market
The wayward A shares will not be evaluated for the time being, but the depreciation of the RMB is good for these major sectors. Investors can refer to the following:
(The above content was originally created by Feidi Information)