How to manage the depreciation of the RMB, and how to manage the depreciation of the RMB?

At present, there are many ways for China Merchants Bank to invest in personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, etc., and the investment starting point of different products is different, and the corresponding risk level is also different. It is recommended that you open the homepage of China Merchants Bank and click **Customer Service for further consultation.

1. The market and the currency market are a leverage, because of the depreciation of the RMB, we should pay attention to the investment in the market, because in the case of currency depreciation, the value of the market will get everyone's attention, and there is often an appreciation at this time.

2. If we travel abroad, we should also pay attention to our money bags, because now the depreciation of the RMB will increase your own expenses, and the number will increase a lot, but we can travel to Japan, which is more cost-effective, because the yen has depreciated.

3. The depreciation of the RMB is a very good news for friends who invest in the United States, because if you invest in the United States, you can make money by the exchange rate alone, and the United States is more optimistic in the medium and long term, then your income is double, and it is recommended that you can invest in the United States.

In recent years, depreciation has become a hot issue of social concern and the focus of many investors. There are many investors who are worried about the impact of the depreciation, but they are hungry and do not know how to deal with it.

First of all, we need to understand how depreciation affects financial management. On the one hand, depreciation will have an impact on our investment returns, because the depreciation of the limbs of the currency will lead to a decrease in investment returns. On the other hand, depreciation will also affect our consumption, because currency depreciation will lead to prices**, which will affect the consumption behavior of consumers.

Second, we need to know how to deal with the effects of devaluation. First of all, in terms of investment, we can choose some investments that are not affected by currency depreciation, such as fixed income investment products, which can allow investors to obtain relatively stable income. Secondly, on the consumption side, we can try to avoid importing goods to avoid prices due to currency depreciation**.

In dealing with the effects of devaluation, we also need to minimize the circulation of currency to avoid currency depreciation. Therefore, we can minimise the use of cash and use electronic payment instruments as much as possible to reduce cash circulation.

In short, depreciation is a complex issue, and we need to properly understand its impact and take effective countermeasures to protect our investment and consumption returns.

Clause. First, as the common people will buy a good potato some financial products, we currently observe that the current income of RMB wealth management products is basically maintained at about [4%], such data is estimated to decline soon, so it is recommended that you pay attention to the risk.

Clause. Second, we should also pay attention to the risk when investing in general ** products, because there are a lot of currency exchange investments, in this case, if they are doing some overseas investment, then the risk will increase, it is recommended that you be cautious.

Clause. Third, the market and the currency market is a leverage, because of the depreciation of the RMB, we should pay attention to the investment in the market, but because of the currency depreciation, the value of the market will get everyone's attention, and there is often an appreciation at this time.

1. Reduce the amount of bank deposits, the income of bank storage itself is very low, and in comparison with our soaring prices, investment bank storage itself is an option for asset depreciation, and it is not suitable to choose bank storage in the case of RMB depreciation.

2. Select ** or foreign exchange hedging. If the RMB continues to depreciate, the first thing that most people will think of is to buy, how serious the depreciation of the RMB is, how high the ** will rise. Their gains are in the opposite direction.

However, it is a hedging tool, but the rate of return in kind is too low to maintain its value.

3. Boldly participate in the online loan P2P investment and financial management method, you can invest the excess funds through the reliable P2P investment and wealth management platform, and grasp your own investment income at the normal level of interest rates.

How to invest in financial management in the case of RMB depreciation? Some time ago, the RMB showed a rare continuous trend, which triggered the market's concern about the depreciation of the RMB. Although it is still too early to judge the future direction of the renminbi, it will be of great help to investors to plan ahead and understand the knowledge of other financial channels.

The following is an introduction to foreign currency wealth management, wealth management and wealth management channels.

Seniority - Foreign currency wealth management.

The foreign currency wealth management value part believes that the depreciation of the renminbi should only be a short-term phased adjustment, and the possibility of continuous depreciation is not large. For those investors who already have a certain experience in foreign exchange operations, it is recommended to choose swing operations, and there are still a lot of trading tools in the foreign exchange market, such as bank foreign exchange margin trading and foreign exchange options trading, which are still very attractive to investors.

It is worth mentioning that assuming that the renminbi enters the depreciation channel, the investment value of foreign currency wealth management products will be highlighted again. Judging from the market situation, some of the foreign currency wealth management products with an expected annualized rate of return of less than 3% last year have risen to more than 5%. In particular, the expected annualized expected rate of return of Australian dollar wealth management products has reached the highest - ** wealth management.

Returning to the bull market **** continues to strengthen, for the "Chinese aunt", it is really a big relief. The market has set an upside target of around $1,400 an ounce, and if you plan to invest in the long term, it is recommended to take dips. But for those investors, it's better to go in and out quickly.

In terms of physical goods, it was said that the central bank announced the 2014 project issuance plan. There are a total of 10 items and 58 varieties, of which 29 are gold coins and 29 silver coins. Compared with 2013, this year's project issuance plan has been expanded, but the issuance of many varieties has decreased significantly.

Market participants said that the decrease in circulation is a good thing for the market and collectors.

**Financial. **The market is worth paying attention to the continuous emergence of RMB**, which will have a relatively large impact on the domestic refined oil market. First of all, the depreciation of the RMB means an increase in the cost of imports, so for some import-based domestic oil companies, the cost will increase, and the products will be corresponding. Secondly, the RMB** will also have a boost to the locally produced gasoline and diesel**, and the gasoline and diesel ** will correspondingly**, so that the entire domestic refined oil market will be supported.

For ordinary investors, although there are not many channels for direct investment, and the risk is large, but indirect investment through various means, especially structured wealth management products. This type of wealth management product is suitable for customers with judgment, and it is generally recommended to carry out 10% asset allocation, that is, only 10% of the assets are used to buy linked ** wealth management products. At the same time, it is recommended that investors can consider the ** wealth management products of unilateral touch type and interval accumulation type during the period.

The expected annualized expected return of these two types of products is judged by the performance of commodities during the entire observation period, not limited to the time point of maturity, and the actual expected annualized expected return may be greater than that of bullish or bearish products at the end of the period.