Some time ago, I talked about the topic of 1 dollar deposit.
In private, I was also fortunate to communicate this part of the content with some group members, which is consistent with the views of most group members.
It’s a pity that there is no US dollar in hand, so I didn’t think about it.
However, the perspective is always paying attention to it.
1,
Two days ago, the non-farm employment and unemployment rate data released by U.S. , the unemployment rate fell to 3.5%, tying the lowest point in 50 years. It is not an exaggeration to use
employment situation to continue to be strong, so it also gave the US imperialists a lot of confidence to raise rates at .
Of course, there are some situations, such as the rumor that the minutes of the Federal Reserve's Fed meeting showed that there will be a significant rate hike in the next two months, and other news has been reported.
...
To pay attention to the details, the interest rate of domestic US dollar deposits will continue to rise.
Right, the US Empire announced September CPI data today, which is basically a foregone conclusion (there is a high probability of 75 basis points).
On October 13, U.S. Bureau of Labor Statistics released data showing that the US CPI in September rose 8.2% year-on-year, higher than the market expectations of 8.1%, and the previous value of 8.3%; the September CPI rose 0.4% month-on-month, higher than the market expectations of 0.2% and the previous value of 0.1%.
Therefore, the current mainstream view still believes that it is highly likely that the interest rate hike will continue.
At this stage, in a sense it is a bright card.
This week, I talked with a few friends who are engaged in this area in my spare time, and the opinions are basically the same.
When asked, should we configure "USD Assets" now?
Although, the view on the future is slightly different.
But the suggestions and opinions given to me are basically the same.
does not recommend me (ordinary depositor) to participate in it in depth.
, especially friends like me who do not have cash exchange in their hands and have limited funds.
has several reasons, such as the high cost of purchasing foreign exchange, the relatively limited investment channels of the domestic US dollar, and the quality of the products you can buy is average... Some are pretty good, and there is still a little threshold (not reaching)..
However, my opinion may be slightly different.
2.
If we look at the interest rate level of US dollar deposits of 4% for one year (the current maximum can reach about 4.3%), it is now twice that of ordinary 1-year deposits.
Perhaps those who are now using private bank deposits may not look down on these 4%.
The existing products are actually much better than these 4% in terms of income level and capital flexibility.
However, think about it carefully.
Banks that can make US dollar deposits are basically better than private banks.
is very stable from the perspective of stability and security.
Even if you take a step back, these "strong" banks will be fine if they cease.
html $0 deposit is also covered by deposit insurance (like people's deposits, a single household with a minimum of 500,000 yuan).is put into practice in reality.
The actual interest rate of most friends holding deposit products is around 2-4%, and it will basically not exceed 4% at present.
If you choose US dollar deposit after purchasing foreign exchange, the returns will be very different.
, it will be at least 1% higher than the current deposit.
Of course, this is not a risk-free transaction.
The exchange rate of RMB against the US dollar still has major variables (the external environment is extremely complex).
But in the short term, it is basically still very obvious (RMB depreciation against the US dollar).
Here, you can just put 2 data and you can probably feel it.
"First Quarter 2022 Financial Statistics Report"
At the end of March, the balance of national foreign exchange reserves was US$3.19 trillion, and the exchange rate of RMB was 1 US dollar to RMB 6.3482.
"Finance Statistics Report for the First Three Quarters of 2022"
html At the end of September, the national foreign exchange reserve balance was US$3.03 trillion, and the RMB exchange rate was RMB 1 US$7.0998 against RMB.
Of course, if you have a certain amount of US dollars in your hand, "dollar deposit" is also an option that can be sold at a price.
Many bank foreign exchange account managers are looking forward to you enthusiastically.
basically has 2 ways.
is, you can wait a little longer, and it is likely to increase later.
One is to lock the product, and there will be variables in the future.
This hunger has also affected some major industries, such as the current interest rate of the first line in the universe can exceed 4%.
is basically the same as some banks, and even surpasses some commercial banks in some cities.
According to some media reports, the strong willingness to attract deposits in US dollars is mainly due to the soaring yields of US bonds .
Another foreign bank insider revealed that the main investment direction of large-scale US dollar deposits in China is US Treasury bonds. In the current context, banks have the motivation to "take advantage of the opportunity to arbitrage". In addition, the high US dollar stimulates foreign trade companies' willingness to settle foreign exchange, banks will also attract more US dollar deposits for the sake of balancing assets and liabilities.
If you have US dollars in your hand, it is definitely a good opportunity to allocate some US dollar deposits.
combines the operation suggestions of the following parties. You might as well consider 3 months first, and then the expiration depends on the situation (there is a high probability of 1 year).
configuration short-term + wait and see when expiration.
actually wants to talk about the overseas US dollar configuration part, but unfortunately I heard a lot.
has never actually been in practice, so we just think it is beyond our ability, so let’s not imitate it. If you have a chance behind
, please find a big shot to play.
3,
However, there are 2 points here, which are worth noting.
A. Procedures for female
RMB for US dollars, US dollars for people, the cost of the approximately handling fee is about 0.5%.
B. Exchange rate risk
is currently the highest point in 10 years. I can’t judge the subsequent trend.
Judging from historical data, this fluctuation is quite large~
calculates the funds in the pocket and looks at the yield of the deposited products in hand.
Cough cough, I won't participate....
