美元理财热遇冷？半年贬值超10%，高息诱惑下投资者何去何从

Core Viewpoint - The significant decline in the US dollar exchange rate has caught investors off guard, challenging their initial expectations of higher returns from dollar-denominated investments compared to RMB deposits [1][2]. Group 1: Investor Experiences - Investor Wang Lin exchanged 100,000 USD at an exchange rate of 7.35, expecting a 4% annual return, but now faces losses due to the declining exchange rate [1]. - Investor Liu Mei is contemplating whether to convert her dollar-denominated deposit back to RMB at a loss, despite the allure of high interest rates [2]. Group 2: Market Trends - As of July 7, the US dollar index fell to around 97, marking a cumulative decline of 10.59% for the year, with the USD/CNY exchange rate dropping to approximately 7.17 [1]. - Despite the low exchange rate, some investors are still looking to buy dollar assets to lock in high yields before potential interest rate cuts by the Federal Reserve [2]. Group 3: Product Offerings - There are numerous dollar-denominated financial products with performance benchmarks exceeding 4%, with 130 new dollar products launched since July, primarily fixed-income products with a maturity of 6 to 12 months [3]. - Some foreign banks are offering attractive dollar deposit rates, such as a 4.1% annual rate for a one-year deposit [2]. Group 4: Expert Insights - Experts caution that while there are opportunities in dollar products, risks associated with exchange rate fluctuations remain significant, especially if the exchange rate falls below 7.2 [2][4]. - The dollar to RMB exchange rate is expected to fluctuate between 7.0 and 7.5 throughout the year, influenced by the Federal Reserve's interest rate decisions and economic conditions in China [4].