美元理财也“被套”？美元半年贬值逾10%，仍有投资者入场锁定超4%高息

Core Viewpoint - The depreciation of the US dollar by over 10% in the first half of the year has led to significant concerns among investors who entered dollar-denominated financial products at the beginning of the year, as many are now facing losses due to unfavorable exchange rates [1][6]. Group 1: Dollar Depreciation Impact - The dollar index has dropped to around 97 points, with a cumulative decline of 10.59% since the beginning of the year [1][6]. - Investors who exchanged RMB for USD at a rate of 7.35 are now experiencing losses, as the current exchange rate is approximately 7.17 [1][6]. - The depreciation of the dollar has been attributed to several factors, including a slowdown in the US economy, uncertainty regarding Federal Reserve policies, and a global trend of "de-dollarization" [6]. Group 2: Investment Behavior - Despite the depreciation, many investors are still looking to buy into dollar-denominated products, hoping to lock in high interest rates before potential Federal Reserve rate cuts [1][10]. - Some investors express a willingness to continue holding dollar deposits, prioritizing interest rate differentials over short-term exchange rate fluctuations [6][11]. - There is a notable increase in demand for dollar financial products, with some offerings showing annualized returns exceeding 4% [7][8]. Group 3: Financial Product Offerings - Various banks and financial institutions are offering competitive interest rates on dollar deposits, with rates for 3-month, 6-month, and 12-month terms ranging from 3.60% to 4.35% [7][8]. - A significant number of dollar-denominated financial products have been launched recently, with many fixed-income products offering annualized returns between 3.80% and 4.30% [8][9]. - Financial institutions are actively promoting dollar financial products, capitalizing on the current high-interest environment [10].