Foreign exchange trading, commonly known as "foreign exchange treasure", is a way of foreign exchange investment to achieve profitability by buying low and selling high. Foreign exchange treasure was launched early, which is a popular investment method in the market, but it is risky and the principal is not guaranteed, so it is easy to be blindly "set".
On the contrary, foreign exchange wealth management products are most suitable for most ordinary investors who do not have professional knowledge. Usually, the principal of such products is completely guaranteed, and investors can get higher returns than ordinary deposits after taking limited risks. However, foreign exchange wealth management products have a certain term, and investors generally cannot withdraw the principal in advance, which will inevitably sacrifice some financial flexibility.
Option deposits are between the two, and the investment period is short, usually 1 to 3 months. In addition to time deposit interest, investors also get higher option income. But the principal of this foreign exchange investment method is not guaranteed. At maturity, the bank can pay the principal and interest in another pre-agreed currency according to market conditions.
Judging from the recent trend of foreign exchange market, there are two main characteristics: the interest rate of one dollar rises steadily, and the exchange rate of two dollars fluctuates in a low range. With the Fed raising interest rates eight times in a row since last June, the short-term interest rate of the US dollar in the international market broke away from the 46-year low and began to return to a relatively "neutral" level. At present, the six-month LIBOR of the US dollar, an important reference index of interest rate in the market, is around 3.4%. Judging from a series of factors, the US dollar interest rate may maintain a steady upward trend in the future. On the contrary, the dollar exchange rate rebounded after reaching a low point at the end of last year. Although the twin deficits issue in the United States and other factors still exert great pressure on the exchange rate of the US dollar, the increase in interest rates and steady economic growth in the United States have brought quite favorable effects on the US dollar. Two factors have caused the exchange rate of the US dollar to fall into a range shock, and it is difficult to see a sharp decline last year.
Therefore, judging from the recent characteristics of the foreign exchange market, it is ideal to invest in foreign exchange wealth management products and option deposits at present, while the operation difficulty of foreign exchange treasure has increased, as follows.
Foreign exchange wealth management products: compared with the international market interest rate, the domestic dollar deposit interest rate is still very low, but the yield of foreign exchange wealth management products can rise steadily with the international market interest rate. In addition, most of the current foreign exchange wealth management products have short term and high yield, so investors can have certain liquidity while obtaining stable income.
Option deposit: Although the principal is not guaranteed, its annual rate of return can usually reach more than 65,438+00%. If the operation time is right, it is also an ideal foreign exchange investment method with short-term, high-yield and limited risk.
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Foreign exchange treasure: Because it is difficult to judge the trend of the US dollar, the profitability of long-term investment is not as reliable as last year, and the profitability of short-term investment is also greatly narrowed. Obviously, the advantages are not as obvious as the first two products.