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Thread: 人民币升值快 外汇理财回报降

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    Wink 人民币升值快 外汇理财回报降

    人民币升值的脚步越来越快,一些市民意外发现,自己多年前购买的外汇理财产品受到不小冲击。但银行业内人士说,如果提前终止合同,损失更大。
      不少市民看中外汇理财产品预期的高收益,有的把手中人民币换成美元投资,然而,当人民币升值之后,不仅美元等资产出现贬值,市民投资的外汇理财产品收益率也下降了。
      前两年是银行业推出外汇理财产品的高峰期,一些市民发现,从2005年开始,人民币不断升值,美元兑人民币从1美元兑8.3元人民币,跌到1美元兑7.75元人民币左右,而一些外汇理财产品这两年累计的收益率也仅8%左右,如扣除升值因素,几乎无利可图。
      银行业内人士说,早先银行设计和发售理财产品时,银行方面对libor(伦敦同业拆借利率)的走势判断有失误,导致大部分理财产品收益率较低。
      但是,如果客户要提前终止合同,银行和客户双方都要蒙受较大的损失。对银行来说,因为这些资金都在海外运作,因此,银行也会受损。所以最好不要提前终止。
      理财专家建议,对于手上有美元、港币等资产的客户,如果短期没有子女留学等支出,建议结汇。因为人民币升值的趋势一两年内还没法改变,因此,早结汇比晚结汇好。
      还有一个办法,就是将美元、港币的外汇资产换成欧元、澳元等强势货币。其实近年人民币升值仅表现在兑美元升值上,兑欧元还是处于贬值的,但是这要求投资者对外汇实盘行情比较熟悉。还有就是直接通过QDII等渠道投资海外股市,股市收益率都较高,因此有可能抵御美元等资产的汇率风险。

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    人民币升值快,对国内物价不好

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