How can I preserve the value of RMB? What is the method of hedging the value of RMB

In the current environment of high inflation in China, we are already in the era of negative interest rates, which is a macro background and cannot be avoided. All people are thinking about how to keep the value of the RMB, at least not depreciated, in China, the only thing that can not depreciate is land, compared to the market said that the ** can maintain value, etc., I personally do not agree. Therefore, there are two most profitable things in China now, buying a house and lending usury, and there is no particularly stable way to maintain the value of investment in the other.

At this stage of the economy, you can only find a way to make more money.

What do you mean is how to keep the value of your property from shrinking in the current inflationary period?

If this is the case, then there is no other way but to invest and make profits to offset the depreciation due to inflation, and ** as a hard currency is undoubtedly the best tool.

Hedge between a stable foreign currency (such as the Australian dollar) and the RMB.

It can't be said that it is RMB hedging, but you have to think about how to keep her purchases, that is to say, your current deposit must be able to withstand the test of CPI!

Zhengzhou, username contact, I'll tell you specifically!

Method 1: Deposit a large amount of bank certificates of deposit.

Or Smart Deposit.

Bank deposits. Everyone is most familiar with the deposit rate.

In different banks, different tenors, different methods, the same principal gets different interest every year.

For those who are not willing to take risks, the best way to preserve value in the next few years is to deposit money in a large deposit or smart deposit in the bank.

Five-year certificate of deposit or smart deposit, annual interest rate.

At least it can reach between 4%, and if the interest is calculated at this rate, it is completely possible to maintain the value and not make your money worthless.

Method 2: Purchase wealth management products.

Nowadays, there are a variety of financial products on the market, and if you really want to choose the financial products that are suitable for you, and you can also achieve value preservation, the products that meet these two conditions vary from person to person.

For example, if you have a little risk tolerance, you can buy the bank's low- and medium-risk wealth management products, with an annual interest rate of between 4% and 6%.

If the risk tolerance can be stronger, you can buy trust wealth management products and trust products.

The annual interest rate varies, and the medium interest rate is between 7% and 9%, which can definitely achieve value preservation by receiving a high trillion income.

Method 3: Invest **, enter ****.

**I believe everyone is no stranger,** is high-risk and high-return, with personal investment ability to eat, good investment is an ATM, bad investment is a meat grinder.

Of course, choosing to take investment ** to make the money not depreciate is only suitable for some people who have risk tolerance, and are more greedy and want to increase their assets, and there is no risk tolerance to stay away**.

If you simply want money not to depreciate, the best way to enter the ** is to hold bank stocks for a long time, as long as you hold bank shares with peace of mind, you will be able to achieve money without depreciation, and dividends will be paid every year.

The risk is greater, and those who pursue higher returns can only do it, chase hot spots, and fast in and out, but most people fail in this method.

Integrate current investment and financial management.

There are many options for market products, as well as considering that everyone's risk tolerance is different, and if you really want to achieve money without depreciation in the next few years.

For example, deposits, treasury bonds, buying wealth management products, buying, buying, or investing in industry, etc., as long as the annual income exceeds the inflation rate.

It is equivalent to the realization of value preservation, and the realized appreciation of income is greater than the inflation rate.

Therefore, in the next few years, how to make money not depreciate, it will be better for individuals to calculate that it is a large certificate of deposit or smart deposit, and the rest of the investment and financial management with different risks should be cautious investment, blind investment not only can not maintain value, but will only make their money loss, and must be responsible for their own money.

When the market economy environment is facing challenges and adjustments, the money stored in the bank will definitely not be able to run through the expansion, then the cash is actually affected by the financial crisis, it becomes less valuable, so the money is invested in the place where it can maintain or even increase its value, it is also a way to make money by preserving the capital, which can be considered from the following aspects:

1.Investing funds in real estate, such as the real estate industry, the stability of housing prices and the ability to add value are still stable, which is relatively safe, but which plot to invest in requires comprehensive planning and future development of the investor;

2.Relatively speaking, the ability to retain value is still sufficient;

3.Investing in antiques or collectibles, this type of investment requires the investor to have a certain degree of professional understanding of antiques and other collectibles;

4.Invest in insurance and wealth management products or **, but whether to choose long-term high yield or short-term low return, you need to determine according to your own economic actual situation;

5.In addition to physical investment, you can also invest in your family and yourself, similar to course training, etc., which is also a way to invest in self-improvement and self-appreciation.

1. Buying a house: I believe everyone is familiar with this and it is also a must-have for life. The idea of the older generation of Chinese is that if you have a house, you will have a home. With a house, you can maintain your value, and maybe the thick cherry blossoms can even appreciate in value.

2. **: Although the recent market is unstable, A-shares have fallen sharply, the RMB has depreciated repeatedly, and the Sino-US war has made the situation tense, but the impact on the market is very small.

3. Yu Bao: This method is more suitable for three kinds of people, the first type is the student party, because they do not have the requirement of value-added closure. The second type is lazy people, who don't spend a lot of energy on financial management. The third category is people who are flexible in their use of money.

In principle, any currency in circulation does not hold its value. The main reason is that the exchange rate and purchasing power of the currency are all fluctuating. The foreign exchange rate of the renminbi is passive, and the change in purchasing power caused by the increase or decrease of commodities is active.

For example, everyone says that the value is preserved, but in fact, the real value is "hard currency". **The value of the currency fluctuates with the exchange rate.

Generally speaking, value preservation refers to the fact that the market value of a commodity will not decrease if the social conditions are maintained and economic turmoil does not occur.

The renminbi itself is a currency, not a commodity, and there will be no fixed model to achieve the effect of maintaining value.

What should we do if the renminbi depreciates?

Since the beginning of 2015, some sensitive investors have been concerned about the potential depreciation risk of the renminbi and have begun to take the initiative to understand the allocation of overseas assets. For example, bonds, fixed dividend products, overseas real estate investment, or buy some overseas insurance for yourself and your family.

Among overseas investment products, US dollar investment products have a high threshold, generally more than US$150,000, and the investment period is longer. Excluding exchange rate fluctuations, the expected rate of return of these products is generally lower than that of domestic wealth management products.

The investment cycle of foreign exchange investment products is relatively long. For example, equity products generally have an investment period of 3 to 4 years, plus an exit period of up to 4 5 years. During the investment period, the possibility of project withdrawal and capital repatriation cannot be ruled out.

Overseas insurance products are more stable than other wealth management products. For Chinese mainland residents, Hong Kong insurance is undoubtedly the best choice.

Where are the investment opportunities due to the depreciation of the RMB?

In the 5 categories of RMB, USD, **, real estate and equity, the biggest opportunity is in **? Financial people give their views:

1. In the next 10 years, the biggest opportunities and the biggest risks are in equity investment.

The opportunity to make a thousand, hundredfold profit in 10 years can be found in equity investment. But this probability is very small, less than 1 in 10,000. Therefore, it is basically not suitable for ordinary people.

2. In the secondary market, the return is high and the risk is high.

After the implementation of the registration system, you will know how expensive the current ** is, and how unsuitable it is for long-term holding (with the exception of individual high-growth enterprises). At that time, the pressure to survive will be even greater, because there is too much information and it is difficult for you to judge. For most people, I'm afraid it's still necessary to leave the money to ** to take care of.

3. The renminbi may be the worst asset in the next 10 years.

This is determined by the nature of banknotes, as well as by China's national conditions. Over the past 30 years, the renminbi's average annual purchasing power has declined by 10%, and in recent years by 7% per year. In the future, it will be difficult to limit the decline of 5 percentage points per year.

4. In the past 10 years, the world's best assets have been real estate in China's big cities, but not necessarily in the next 10 years.

Although real estate in China's big cities, it is still worth holding more than the yuan. But if it is converted to dollars or ** denomination, it is difficult to say.

5. As for the relationship between the renminbi and the US dollar, it depends on the economic development of the two countries.

If China continues to issue money at a rapid pace, the renminbi will probably have to depreciate by 5 to 7 percentage points per year against the dollar. If you hold back and don't depreciate, you will have a big devaluation in a few years.

6. Eventually, technological advancements (such as VR, personal aerial vehicles, driverless technology, and car sharing) will definitely change the face of cities and the value of homes.

The next 10 years don't seem like enough for disruptive change. After 20 to 30 years, not necessarily. At that time, the value of urban centers will fall, the value of school district housing will also be disintegrated, and it is difficult to say whether it is scarce or not.

As a risk hedge, overseas asset allocation is imperative.

Buy**, turn banknotes into **, this is the best way to preserve value, **anywhere can be circulated, and recently**has been rising in price, so this is a good choice.

Recently, purple sand porcelain calligraphy and painting are very popular, so you might as well consider doing this.

Let the money maintain its value, and the deposit bank is estimated to have a slight drop in price. This year's ** starting point is relatively low, you can consider taking out a few hundred yuan every month to base the Zen gold fixed investment, although the income is not very high, but this year is very stable. In addition, if there are tens of thousands of yuan or tens of thousands of yuan, you can buy the bank's investment products at the end of the month, which is equivalent to a short-term deposit with a high interest rate and no risk.

1.Regular bank wealth management.

2.**。3.Index**.

4.**。Extended Resources:

1.Hedging refers to the act of buying and selling foreign exchange by foreign exchange dealers to avoid or eliminate the risk of exchange rate changes through spot foreign exchange transactions and forward foreign exchange transactions. Hedging is only to eliminate or avoid foreign exchange risks, to minimize the losses caused by foreign exchange risks, and not to use foreign exchange risks to make profits.

2.Money is a product of the exchange of goods. The earliest money that appeared at the end of primitive societies was physical money. Generally speaking, nomadic people use livestock and animal skins to achieve monetary functions, while agricultural peoples use grains, cloth, agricultural tools, pottery, seashells, pearls and jade as the earliest physical currency.

3.China is the first country in the world to use coinage, and a lot of "unwritten copper shells" were unearthed from the tombs of the late Yin Shang dynasty 3,000 years ago, which is the most primitive metal currency. In addition to shellfish coins in the late Western Zhou Dynasty, there were also some metal weighing currencies such as loose copper blocks and copper ingots without a certain shape, which were also unearthed in archaeological excavations.

4.Hedging Methods:

Due to the poor international economic environment, domestic import and export has been greatly affected, and the development of industry is not optimistic; Playing antiques, coins, stamp collections, ordinary people do not know how to do it, afraid of being deceived; Speaking of **, people are even more "bitter tears". There is nowhere to go for the funds in everyone's hands, and real estate has to be chosen. The children are now young, and the house can be rented after being bought, and the rate of return is higher than the interest on the bank's deposits; Later, when the children work and get married, the house can be used as a wedding room.

If you don't buy it, you may not be able to afford it even more in the future, so while you have idle funds in your hands, it is better to go out first or join forces to keep the house in your name, which is also the capital left to your children.