Three risks to be paid attention to when investing in foreign exchange wealth management products
1. Income risk: In terms of income, the income of foreign exchange wealth management products is rising, but the average yield of RMB wealth management products is still higher than the former. Moreover, foreign exchange earnings also face uncertain risks such as unequal information and possible fraud. From the types of foreign exchange financial products, it can be divided into two forms: fixed income and foreign exchange structured products. The former has low risk and stable but not high income, while the latter has relatively high income and high risk, which may be high income, zero income or even negative income. Investors should pay special attention to prevent the risks of financial products behind.
2. Liquidity risk: Unlike RMB wealth management products, foreign exchange wealth management products generally have a long investment cycle and poor liquidity. If investors have insufficient funds and short-term liquidity problems, don't invest in foreign exchange wealth management products.
Three. Exchange rate risk: foreign exchange wealth management products are greatly affected by exchange rate fluctuations, and the exchange rate trend is difficult to predict. Once the exchange rate trend is unfavorable, investors lack effective means to avoid risks.
Although foreign exchange wealth management products are "fragrant", it is not easy to eat them. Financial planners suggest that if you hold foreign exchange in your hands, the risk of investing in foreign exchange wealth management products will be much reduced; If not, you should also choose RMB-priced foreign exchange wealth management products to minimize risks. In addition, in order to spread risks, don't hold too many foreign exchange wealth management products, and you can invest your money in domestic wealth management products such as P2P and trust.
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The postal savings bank's foreign currency wealth management products are the same, and they also have the above risks, but it depends on the product characteristics.
Some savings-type, bond-type and capital-guaranteed products can also appropriately reduce some risks.