1, mainland insurance will be more popular.
After RMB depreciation, it is also converted into HK$ 65,438+000. In the past, we only needed 84 yuan, but now it may cost 103 yuan.
Undoubtedly, after the devaluation of the RMB, the cost for mainlanders to buy insurance in Hong Kong will increase. So in the next few days, mainland insurance will become the first choice for many people.
2. All the investors who bought the wrong stock cried.
Why do investors cry when RMB depreciates?
Stock is the face value of enterprise assets. If RMB depreciates, the asset valuation of A-share enterprises with RMB as the accounting unit will be lower, and the stock price can be imagined.
Although the depreciation of RMB will be beneficial to some industries or individual stocks, it is estimated that investors' tears will burst again when the leading sector weakens!
When the stock market is hot, you won't buy insurance; When the stock market is miserable, you are waiting for the opportunity to turn over; Now that the RMB has depreciated, what will you do?
Everyone who bought insurance laughed.
Since 20 12, insurance regulators have encouraged major insurance companies to spend no more than one-third of their assets on infrastructure, private equity and overseas investment, and have been encouraging overseas asset investment for the past three years. China's insurance companies are also very strong, and their overseas investments are fruitful. At present, the insurance funds invested overseas have exceeded 30 billion US dollars.
In the following days, the investment income of these assets will bring several years of exchange surplus. The profits of insurance companies with RMB as the accounting unit will show an increasing trend. And people who buy dividend insurance can naturally get higher income from it!
4. RMB depreciation, which assets can be hedged?
Since the country is focusing on economic restructuring, the real economy will become a place for hot money investment because of the profit-seeking nature of capital.
At the same time, because China has been strictly managing the foreign exchange rate, it is unlikely that hot money will flow out. As a window of overseas assets investment, insurance industry will undoubtedly become the focus of our investment and financial management.
Therefore, in the following days, in addition to buying some related security products, we should also pay attention to other wealth management products of insurance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.