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Core Viewpoint - The article discusses the benefits of investing in USD-denominated financial products, highlighting their potential for higher returns and risk diversification for investors with overseas needs [2][3]. Group 1: Benefits of USD Financial Products - Benefit 1: Enhanced Yield Growth Potential USD financial products encompass a range of investments such as USD deposits, bonds, and cross-border structured tools, providing investors with opportunities for higher returns compared to single-currency investments [2]. - Benefit 2: Diversification of Market Risk Global allocation helps avoid concentration risk, as USD financial products are typically linked to overseas markets, offering options for risk diversification and hedging for investors holding USD assets [3]. Group 2: Accessibility and Risk Levels - Accessibility: Low Investment Threshold Most USD financial products have a minimum investment amount of just 1 USD, making them accessible for ordinary investors with needs related to overseas study or consumption [4]. - Risk Levels: Predominantly Low-Risk Products The current market features mainly fixed-income USD financial products, with risk ratings typically classified as R1 (low risk) or R2 (medium-low risk) [6][12]. Group 3: Product Features - Product Structure: Closed-End Operation The "Jinxin" series of closed-end USD financial products focuses on USD fixed-term deposits and aims to effectively diversify risks associated with single currency and asset types, enhancing portfolio resilience [11][12]. - Purchase and Redemption: USD Transactions Investors can purchase and redeem these products in USD, ensuring that both principal and returns remain in USD, which facilitates continued investment or use for other foreign currency needs [5]. Group 4: Risk Awareness - Currency Risk: Exchange Rate Fluctuations Investors should be aware of currency risks, as fluctuations in exchange rates can impact actual returns, particularly if the RMB appreciates against the USD [9].