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Thread: 外汇储蓄 教你几招

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    Wink 外汇储蓄 教你几招

    目前,我国居民储蓄已高达6万亿元,虽然国家已连续7次降息,并对存款利息征收利息税,但对大多数家庭来说,把部分收入存入银行,仍是首选投资方向。这笔存款是以备生存、基本生活、子女读书、就业、买房所需。但在目前存款利率持续走低情况下,家庭可选择外汇储蓄,以增加投资收益。
      按规定,凡居住在中国境内的持有外汇现钞的居民均可开立外汇存款户,即境内居民个人外币存款户,家庭进行外汇储蓄,可以从存期、币种、账户三个方面进行考虑。
      存期选择存期时,投资者要看近期外汇利率走势,因为外汇利率变动频繁,如美元利率在1991-1996年间就变动过13次。一般来说,利率水平处于高点时应选择两年期的长期外汇储蓄,利率水平相对稳定时可选择一年期的中期储蓄,而利率水平异常波动或变化趋势不明显时,宜选择3个月或者半年期的短期储蓄以观望。存款到期后要及时转存,否则逾期部分按活期利率计算。
      币种在选择币种时,应兼顾利率和汇率两方面因素。一方面应选择高利率币种,以取得更多的利息收入,另一方面应选择硬通货币,也就是选择预期汇率将上升的币种。在二者不能兼顾时,投资者应灵活判断,相机抉择。
      账户外汇储蓄按其性质可分为现汇账户和现钞账户。进行外汇储蓄的投资者,可考虑现汇账户,既可方便换成外钞,也可自由进出国门,省却相当一部分手续费。

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    这个新闻是很早的了,不过道理还是相通的。储蓄高说明市场的避险情绪非常之严重,而且对未来普遍性担忧。

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    外汇储蓄里我还很远,炒外汇倒不远,呵呵

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    我也试过定期外汇储蓄,结果亏了不少.

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    外汇储蓄和外汇交易其实是一样的道理。

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