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Thread: 外汇资金巧打理

  1. #1
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    Default 外汇资金巧打理

    今年以来,人民币升值、美联储连续加息、油价飙升等经济事件不断冲击着投资者手中的家庭外汇资产价值。结汇、储蓄、外汇理财产品、外汇宝、b股?不由得令投资者细细掂量。为此招商银行上海分行首席外汇分析师针对目前外汇持有者较集中的几大误区,提出了以下建议:误区一:外汇资产结汇避风险在目前人民币升值的预期下,是保留外汇资产还是兑换成人民币是外币投资者首先考虑的问题。其实投资者不必盲目跟风结汇,而是应根据自己家庭外币资产配置、消费需求及未来一段时间内的用途和去向做出决定,如家庭有子女留学、出国旅游、海外定居等外币消费需求的,建议保留足量外汇,因为人民币的升值并不影响外币在所属国的使用价值。而且由于我国当前的外汇政策还不允许个人自由兑换外币,对持有大量外汇现汇的家庭而言,是否全部变换成人民币应是一个慎重的决定,从长期而言保持多币种的资产配置也是提高家庭整体资产的抗风险能力。所以关于结汇,投资者可根据自己家庭情况,将部分多余闲置外币兑换成人民币。误区二:外币储蓄是鸡肋

      尽管外汇理财产品层出不穷,但储蓄存款的高安全性、流动性和低风险性,仍是外币投资中最基本的选择,由于在国内外币使用频繁度远低于人民币,且定期储蓄可随时提前支取,建议将外币流动资金除小部分放活期,其余根据预估使用期限存入定期,提高外币流动资产的收益率。误区三:

      理财产品宜短不宜长虽然市场上外汇理财产品层出不穷,令人眼花缭乱,但今年以来低风险的固定收益型类产品受到了外币投资者的追捧,占据了市场主流。由于美联储连续12次加息,美联邦基准利率已升至4%,市场上外汇理财产品收益率也相应节节攀高,预计美联储慎重有序的升息政策将至少能维持到明年第一季度美联储主席格林斯潘卸任,届时新主席贝南克上任后将面临政策延续性的风险,且那时的利率也处于相对高点,上升空间缩小,今年以来投资者购买理财产品宜短不宜长的策略也应随之有所调整,现时在期限配置上,除了短期产品,可开始适当考虑1年期以上产品。招行目前正在推出美元3个月年率3.6%及美元1年期4%理财产品。误区四:外汇宝很难掌握

      由于外汇买卖需要投资者自行操作,且风险较大,为此建议具有一定抗风险能力、且有时间、有兴趣关注外汇市场的投资者可考虑该投资方式。美元指数在去年年底跌至近十年低点80.42后,今年一路震荡上行,最近又摆脱了近4个月的横盘整理格局上限90.80强行向上突破,预计美元强势有望延续到明年第一季度,以日元、澳元、欧元、英镑等非美货币为本币的投资者可通过适当介入美元的操作来盈利,以美元为本币的投资者则可以短线抢反弹操作为主。

  2. #2
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    人民币升值也是暂时的,会降下来的
    http://lotto.siteem.com 外汇智能交易,免费赠送50美金玩德州扑克

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    08年就象是过山车一样,开始猛加息,后来就猛减息.

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