Products refer to those used when individuals purchase financial products, which are only applicable to freely convertible foreign currencies, and income is also calculated according to the foreign currency value.
Wealth management products purchased through banks do not require investors to make their own judgments on investment decisions, and they completely follow the pre-designed terms and the guidance of investment professionals in banks.
It is also divided into two categories: fixed income foreign exchange financial products and foreign exchange structured financial products.
(1) fixed income products mainly foreign currency bonds fixed income of foreign exchange finance products as the underlying assets or the investment direction, under the condition of the same period, the yield is higher than with currencies, almost there is no risk of loss, but is affected by the financial crisis, countries have cut, fixed-income financial products of foreign exchange income space narrowing.
Many domestic banks have stopped selling lower-income fixed-income foreign-exchange wealth management products, most of which are short-term.
Therefore, under the premise of fully considering the risk, investors can try to convert into a higher level of foreign exchange, and can choose to buy fixed income wealth management products or simply in the form of bank deposits.
Since fixed-income foreign exchange financial products are generally not allowed to be redeemed in advance, investors must fully consider the liquidity risk of assets.
In the stage of sharp exchange rate fluctuations, they can choose short-term financial products to guard against risks.
(2) Forex structured financial products Forex structured financial products have a wide range of investment and related derivatives, which can be related to bulk commodities, overseas listed stock prices or indexes, hedge funds, gold and oil, etc.
It can be divided into static and dynamic.
Static means that the design structure remains the same after the product is released;
Dynamic will be based on market conditions for the corresponding investment adjustment.
At present, structured products will have a minimum amount of capital protection, with variable returns depending on the performance of the product’s associated objects.
The dollar rose on rising risk aversion and gold closed at its highest level in nearly three weeks.
Please pay attention to the specific operation, the market is changing rapidly, investment needs to be cautious, the operation strategy is for reference only.
