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Thread: 谋定而后动 外汇理财淘宝经

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    Default 谋定而后动 外汇理财淘宝经

     选择好时机



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      没错,而今理财产品收益率正在攀升,有受益,投资者才会出手。



      中国银行在2005年11月7日至11月25日推出的一年期美元理财产品,其年收益率已达4.25%,该收益水平不仅超出国内小额美元一年期存款利率的2.5%,而且高于美国联邦基金利率4%的水平;而之前,民生银行推出的一年期美元理财产品年收益率甚至达到5%。



      这么高的收益率,无怪乎半年前还在持币观望的投资者蠢蠢欲动了。但是已高达800亿美元的居民外汇存款余额遭遇各中外资银行的理财花招时,将会怎样分流呢?



      外汇理财产品收益率为何会在一夜之间飙升。美元加息是主要诱因。



      业内人士张先生称,银行通过理财产品将资金积累起来,投资于国际外汇市场,随着美联储的加息,libor的年收益率也在上升,达到4.5%左右,从而借衍生市场的操作,赚取高收益。



      瑞士第一信贷波士顿最新一期美国经济研究报告认为,美基准利率2006年将升至5%。



      换言之,投资者可能会以为,既然固定收益的外汇理财产品的收益率还会随美元利率上涨,何不再等等或只购买短期产品?不过,依据一些专家的预测,目前libor已相对处于较高水平,国内美元理财产品的收益亦接近最高位。因而,现在或许正是外汇理财的好时机。

      然而,并非所有类别的外汇理财产品都可让投资者皆大欢喜。像与两种以上的货币汇率挂购的产品就需要投资者对外汇市场局势有正确的判断与把握能力。张先生表示。

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      半年以前,北京市民尹先生投资花旗银行的优利账户产品就有过不愉快的经历不仅没获益还赔了本金。其亏本原因,花旗理财顾问认为在于尹先生未听其劝告,急于在手持货币点位最低之时兑换成其他货币;而尹先生觉得,或许是落进了一个技术性陷阱。



      而优利的具体运作程序是,最低交易金额25000美元;首先选择基本货币,然后同时选择备选货币,即另一种到期有机会获益的货币,那样便有机会额外享受高达8%的年回报率。如果银行与客户预先协定一个澳元对美元的挂钩汇率,假设为0.6445,期限1个月,于是,除了美元定期存款年利率0.25%外,还将额外享受按年率计算为8%的期权收益率。不过,期权收益率会受所选择的基本货币、备选货币、挂钩汇率、期限等因素影响而上下浮动。

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    Default

    选择好时机

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    如果投资者以家庭生活的必须费用来投资,万一亏蚀,就会直接影响家庭生计

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    选择好时机

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    选择好时机

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    把钱给中行拿去投资,还不如自己去炒外汇

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    中行也是拿钱去做投资,如果自己有投资经验,根本不必给他们

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    自己去炒外汇有主动性。

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    谋定而后动,这句话适合炒汇,要氢每一次交易当作一次战役

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