However, for most people who invest and consume in China, the depreciation of RMB will lead to a decline in the valuation of assets denominated in RMB, thus weakening the financial and real estate sectors and dragging down the overall market. At the same time, the outflow of hot money will also tighten the liquidity of A shares and increase the fluctuation range.
In the field of daily life, the depreciation of RMB will increase the cost of imported raw materials such as oil, natural gas and soybeans, cause imported inflation and affect people's food, clothing, housing and transportation.
For families who are about to study abroad or intend to emigrate, the depreciation of the RMB directly leads to the increase of their costs. Even girls who are keen on Haitao can't buy it happily in buy buy now.
Should we change our RMB into dollars now to avoid the risk of depreciation? Don't tell me, this is really a problem of being too poor and loving the rich. Eating food depends on people.
For the ultra-high net worth people with investable assets of more than 6,543,800+million, many have already started the allocation of overseas assets, such as sending their children to study abroad, emigrating the whole family, buying homes overseas and so on.
Since China has a quota of US$ 50,000 per person per year, we suggest to purchase foreign exchange by stages within a reasonable range according to needs, so as to reduce the exchange cost.
When exchanging foreign exchange, if the amount of funds is large, you can also make an inquiry to the bank to get a better exchange rate.
At the same time, in operation, choose formal financial institutions, and don't blindly take some illegal means to prevent devaluation and eventually cause economic losses.
For investors whose investable assets are less than10 million and more than 5 million, and whose income source and consumption are in China, you can appropriately allocate some US dollar assets from the perspective of diversifying investment and preventing the risk of a single currency, but not more than 65,438+00% of your overall assets. After all, the US dollar is not your common currency, neither can it circulate in China, and the investment channels and return rate are very limited compared with RMB.
If you just have no confidence in RMB and want to change it into US dollars, what can you do in China after the change?
If you only choose US dollar deposits, the listing interest rate of most domestic banks is around 0.5%, and some banks have launched US dollar high-interest term products, which can reach 2%. Think about the interest rate of RMB products. Do you think socialism is better? !