Can overseas asset allocation reduce wealth shrinkage?

The biggest difficulty in investing abroad is legal and tax issues. On the one hand, there is the law, because the laws of each country are different, and if the assets are invested in the United States, the funds are not directly from China to the United States, but may be transferred through Cayman or Hong Kong, and there will be many channels for the inflow of funds, including investment in Europe, not directly to Europe, and through Luxembourg or other regions to transit. Then, different countries need to apply different laws, China, Cayman, the United States, and Europe each apply one set of laws, then at least you must understand each set of legal systems, otherwise you will not understand the risk of legal contact, resulting in the project eventually being yellow.

This kind of legal risk is indeed uncontrollable, and it is not a risk brought by the investment itself, but an external factor. On the other hand, taxation, in many cases, it is very likely to be transferred to the United States through the medium, which is more expensive than the tax directly from China to the United States, so the return on income of some assets is not enough to cover the tax expenditure, such an investment is of course not cost-effective, and the tax items of each individual project are different, and can not be universally applied, so it is necessary to understand the content very well.

If you want to carry out overseas asset allocation, you have to find professional financial institutions to cooperate, such as Huifu Group, which has rich experience in the industry.

To be precise, it is a global asset allocation, and there is no distinction between domestic and foreign. It's just that now with the advent of the expectation of RMB depreciation, more and more people are beginning to pay attention to overseas asset allocation. The country also provides more and more channels for overseas asset allocation.

For example, buying Hong Kong insurance is one of the most convenient and easiest ways to allocate overseas assets, followed by overseas real estate investment. Our company is an overseas asset allocation platform, which brings overseas asset allocation into China, helps domestic customers solve their needs and popularize knowledge.

In the past two years, the continuous depreciation of the renminbi, the slowdown in domestic GDP growth, and the sharp decline in the yield of various investment fixed income assets, so more and more investors have begun to invest in overseas assets. There are four main reasons:

The risk of single-currency investment is high, the shortage of domestic high-quality assets is aggravated, the risk of RMB depreciation is accumulated, and the proportion of global investment by high-net-worth individuals is low.

Our life is really good, and there are more and more people who have rich money.

This is like buying a **, China's market appreciation space is too small, and foreign appreciation space is large, so I love to allocate abroad. After all, businessmen only look at profits, not the state. However, China also has restrictions in this regard, and it is not arbitrary to allocate assets overseas.

With the expectation of RMB depreciation, more and more people have begun to pay attention to overseas asset allocation. The country also provides more and more channels for overseas asset allocation.

From the perspective of asset allocation, we should focus on the global perspective, because asset allocation is limited to domestic, and many risks cannot be diversified, especially systemic risks based on a single country. For example, during the Southeast Asian crisis, Malaysia's major asset classes (such as real estate, bonds, etc.) were falling, so asset allocation was useless. This is a lifesaver for overseas assets.

Here are some tools to consider first:

Buying foreign currency, buying overseas houses (Haitou Financial Meifangbao), buying QDII (tens of billions of dollars in unicorns**), buying domestic assets priced globally (such as **, **, ** and other ** products, or related listed companies**), and other foreign currency assets. Among them, there are many choices of QDII, including ** type (American, European, etc.), bond type, bulk commodities, ***, real estate and so on.

What about the configuration ratio?

This question is the most complex. Vary. My own idea is that the maximum is not more than 30%, and the domestic currency is kept at about 5-10% **, 3-40% real estate, and other ****.

There are several main ways to allocate funds overseas:

Foreign exchange deposits. Despite the variety of investment methods, foreign exchange deposits are still the first choice for high-net-worth individuals.

Foreign exchange deposits are simply exchanged for RMB into the corresponding foreign currency and deposited in foreign banks, and its advantages are mainly due to its low risk and high liquidity, although its yield is very low.

Overseas properties. Overseas real estate is a well-known investment method, and research data from China CITIC Bank and Hurun Report shows that high-net-worth individuals who have purchased properties abroad own properties overseas on average, and the United States is still the preferred destination for high-net-worth individuals to buy properties abroad.

There are certain risks involved in the purchase of overseas real estate, and it is necessary to purchase through an intermediary channel, preferably an agency with housing management services. Moreover, if you want to leave the property as an asset to your children and grandchildren, you should also pay attention to the relevant regulations such as property tax and inheritance tax of the corresponding country to avoid unnecessary losses. In recent years, Southeast Asia's largest fire, freehold property rights, hereditary, many properties also provide charter services, 5%-12% annualized income, is one of the first choice for domestic high-net-worth customers.

Other avenues. In addition, there are some investment methods such as venture capital, the establishment of overseas companies, overseas art collections, etc., which belong to investment methods with clear purposes and high thresholds, and the proportion of people who adopt this method is small.

Buying a house abroad, the real estate market in Southeast Asia is very hot now, and it's a big deal to immigrate.

I haven't done it yet, I'm rich and capricious.