BUY FXO Forum Shares
1316
Shares in the BANK:
We BuyWe Sell
$1.8773$1.9354
Results 1 to 2 of 2

Thread: 人民币破7理财也变招

  1. #1
    In Profit
    Join Date
    Apr 2008
    Posts
    110
    FXO Shares
    0
    FXO Bonus
    0.000
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default 人民币破7理财也变招

    人民币对美元汇率上周顺利破7,投资理财招数也要变一变。






      是否全部结汇要因人而定

      案例一:陈先生,今年46岁,是一家装修公司的老板。为了送儿子出国留学,3年前就托人换了1万美元存在银行。人民币对美元不断升值,存在银行的1万美元如今只相当于约7万元人民币,儿子还要过一年才出国。陈先生想知道,存在银行的这1万美元该怎么办?

      案例二:江女士在一家事业单位上班。两年前朋友从国外汇来2000美元,由于平时用美元机会很少,突然有一天,她发现这2000美元正在慢慢缩水:两年前还可以换16000多元人民币,而现在却只能换14000元了。这2000美元要不要换成人民币?

      理财师观点:虽然美元对人民币在贬值,但撇开通货膨胀因素不考虑,美元在美国国内的购买力是不变的,何况将美元兑换成人民币客户会损失一定的手续费,因此建议陈先生继续持有这1万美元。不过,在儿子出国前,这1万美元可以尝试炒汇、购买外币理财产品等投资。江女士手上的美元不太多,她未来需要使用美元的机会不大。建议将已有的美元先结汇。

      经常出国一定要持有美元

      案例:李先生常年在成都做生意,每隔一段时间,他就会去东南亚进货。出国前,他总是要兑换一些美元,到了东南亚后再将这些美元换成当地货币。有人预言,美元对人民币汇率年底就会反弹,他要不要现在多兑换点美元?

      理财师观点:李先生经常出国,在他的个人资产配置中,一定要有一部分是美元。因此,建议李先生适当增持一点美元,但不宜过多,最好不要超过5000美元。

      将美元暂时换成非美货币

      案例:冯太太的儿女在国外,每年都会收到晚辈们寄来的赡养费,几乎都是美元。她本人对外汇不太懂,这些钱怎么处理好?

      理财师观点:将收到的美元去投资一些外汇理财产品,尽量不要做存款。最近,各家银行的外汇理财产品收益都有所上升。

      还有一个办法,人民币对美元虽然在不断升值,但它对欧元、澳元、英镑等非美货币却在贬值。冯太太也可以将美元存款换成澳元、欧元、英镑等,既能避免美元贬值损失,也能投资于这类币种的理财产品,其收益率是银行同期存款的3~5倍。

  2. #2
    In Profit
    Join Date
    Apr 2008
    Posts
    106
    FXO Shares
    0
    FXO Bonus
    0.000
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default

    外汇市场是一个风险很大的市场,它的风险主要在于决定外汇价格的变量太多。

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
Disclaimer
2005-2017 © FXOpen All rights reserved. Various trademarks held by their respective owners.

Risk Warning:: Trading on the Forex market involves substantial risks, including complete possible loss of funds and other losses and is not suitable for all members. Clients should make an independent judgment as to whether trading is appropriate for them in the light of their financial condition, investment experience, risk tolerance and other factors.

FXOpen Markets Limited, a company duly registered in Nevis under the company No. C 42235. FXOpen is a member of The Financial Commission.

FXOpen AU Pty Ltd., a company authorised and regulated by the Australian Securities & Investments Commission (ASIC). AFSL 412871ABN 61 143 678 719.

FXOpen Ltd. a company registered in England and Wales under company number 07273392 and is authorised and regulated by the Financial Conduct Authority (previously, the Financial Services Authority) under FCA firm reference number 579202.

FXOpen does not provide services for United States residents.

Join us