Financial management is a hot currency exchange investment not advisable

Experts remind a financial market outlook investment should be cautious, choose deadline in 6 months less than products safer

Frequently in more than 6.5% or higher annualised rate of return, let a financial product has been at the top of the list of financial product yields, recent product yields a continued to remain high, common at about 7%.

Financial experts don't suggest investors stereotyping RMB yuan to finance a.

Financial management is a hot models

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High yield to product to become a "star", why can a long-term financial pulls ahead?

A: A trend gratifying, financial revenue then rise

Recently, in the big institutions of the financial product release earnings list, is a financial product show strong, frequently in more than 6.5% or higher annualised rate of return, let a financial product has been holding high the top spot.

PuYi wealth release the latest issue of bank financing weekly show, last week in yields higher financial products rankings, financial products include a three. Among them, the travel of bonds to a $1 financial products, investment deadline for 32 days, expire to get 7.00% of the annualised rate of return; Citic bank (601998, shares it) due to a $1 of the bond of products, investment deadline for six months, the due get 6.80% of the annualised rate of return. September due in financial products, expire to change yield 6.00% and in the financial products total more than 35 section, which is of a $18, and the top three are $for finance, agriculture bank a 90 day period of the products due to a $earnings of 8.3%, ranking first.

Financial web site financial products research center said the financial planers, trend is the Australian dollar in a financial product benefits the main cause of the rise. "From a record high near 1.10 back sharply in the $10 months began to bounce back, or up to 1100 basis points."

B: a recent product revenue at around 7%

Now the issue is a financial product still keep a high expected rate of return. Reporters from chengdu branch that citic bank, the bank is currently selling a period of six months a financial product, the starting point for a $8000 investment amount, expected earnings of 7.1% annualised.

According to financial web site financial products research center data to see, in the last week of bank financing products issued overall ranking top 10, with bank of China issued a travel to the product which located in issue before a list of the two. Her issue of "rise successively"-a $109 return at ease, financial planning of guaranteed type of financial products, implement investors no breach the financial planning redemption, that investment is not the default of China merchants bank (600036, shares it) can fully protect the principal, the highest financial planning annualised rate of return of 7.00%.

C: have a pressure situation, buy a product should be cautious

$for financial products market outlook, finance website issued the latest issue of financial weekly analysis points out, "the fed's recent is expected to Australia is very hard to raise interest rates, if economic slowdown and even the possibility of lower interest rates. From fundamentals and technology, see a few months face difficult to have substantially increased, rise space is very small, the investors to buy products also a $be careful."

Citic bank chengdu branch double nan branch retail manager DuanYuJuan think, although Australia the fed has been pushing interest rates high unchanged. But Australia the fed announced on October 18, the meeting minutes suggest that the fed may be the earliest on November to cut interest rates. Facing the expected to cut interest rates to warm up, and with the great pressure to a $trends. "With the European debt crisis, investors continue to deepen in the foreign exchange market selling euros, such as a heavily high, buy the dollar, yen currency hedge currencies such as, overall and present a $$to reverse the trend of change. If the euro dipped again, mean more hedge funds flowing into dollars, will lead to a $. The debt crisis fluctuations and didn't get to thoroughly solve the existing, many uncertain factors, therefore, investors should be for a cautious, don't cut copy bottom."

Market outlook investment should be cautious

Face "hot" financial $, investors have what note?

A: it is not recommended to put RMB into A financial management

Financial investors for $keen, DuanYuJuan suggest investors consider the current international exchange rate changes of environment, "a large currency fluctuations, and had gathered the bigger risk, investors do not blindly follow through. At the same time, to different monetary varieties configuration, holding foreign currencies citizens can consider, but not a financial product to recommend that investors will hand a RMB to do again to foreign currency finance.

"If because of a product go strong, and most of the assets are $for will invest, exacerbating the investment risk. Investors for the exchange rate risk may outweigh the product interest rate advantage." DuanYuJuan points out, because of the domestic credit crunch, libor rate high, and to promote the domestic Banks, financial products yields, making the financial interest spread with a narrowed advantage. At present, a bank in financial products change yield in 7-8% or so, and the expected rate of return of the financial product has up to 5-6%.

B: choose hook bonds, interest rates of mark a product

In addition, but also pay attention to a financial products investment mark, suggestion choice hook bonds, interest rates of mark a $financial products, they risk is low, the income is considerable.

Despite the current financial product yields a obvious advantages, but the Dutch bank a "$spread" the financial product in zero profit, investors to hook products "mind fear", DuanYuJuan think, investors should not be completely negative such products. "From overseas financial market's practice, the hook type of product release has formed certain scale and obtained the approval. This kind of investors products can with stocks, commodities, index, foreign exchange in markets such as the existing investment mark hook, structure design, flexible and can ensure the principal, in this premise participate in high risk of investment, which decrease the market the investment risk and have the opportunity to earn a good income."

C: the choice of 6 months less than products safer

For investors within the territory of the PRC, the biggest risk comes from the $exchange rate risk. DuanYuJuan Suggestions, investors from the following aspects to reduce the possibility of exchange rate risk. First, choose 6 months less than short-term products safer. Some product yields even more than 7%. But recent global economy some negative factors are on again, for investors, also can choose some Banks with the release of the short term rolling products, such as on the investment plan for the unit, expires can scroll to the next phase of renewal product, for investors have some flexibility.

Next, it is to focus on product callable terms. Try to choose the right of investors have callable products, reporters noticed that in some bank deposit account with the release of the higher products, because interest rates make higher, investors callable/withdrawal products also had some restrictions, such as a particular 12 month period fixed deposit of $products, investors may not be required in advance deposit withdrawals. DuanYuJuan thinks, "if a substantial torsion of the exchange rate, similar to the restrictions will give investors with larger losses."