寻找高息美元存款

Core Viewpoint - The article discusses the fluctuations in USD deposit rates and the increasing attractiveness of USD wealth management products, particularly in the context of recent Federal Reserve interest rate changes [1][3][14]. Group 1: USD Deposit Rates - USD deposit rates have experienced significant volatility, rising from around 3% to approximately 5.5% during the Fed's rate hike cycle, but have since decreased to below 4% following the recent rate cuts [3][5][6]. - As of late September, some banks are offering USD deposit rates as high as 3.85% for a one-year term, which is considered competitive in the current market [2][5]. - The decline in USD deposit rates is expected to continue, with some banks already adjusting their rates downward in response to the Fed's actions [5][6]. Group 2: Wealth Management Products - Wealth management products, particularly those denominated in USD, have seen annualized returns exceeding 5% from 2023 to 2024, significantly outperforming traditional deposit rates [1][9]. - The average yield of USD wealth management products has been declining, with recent statistics showing average annualized returns of 3.96% for one-month and three-month periods, down from higher levels in the previous year [10][11]. - The design of wealth management products, including features like profit-taking clauses, has led to some products being terminated early due to market conditions, impacting overall returns [11]. Group 3: Investor Considerations - Investors, like Ms. Pan, are weighing their options between renewing USD deposits and investing in wealth management products, considering factors such as interest rates and currency exchange risks [6][10]. - The recent appreciation of the RMB against the USD has raised concerns about potential currency losses for investors converting USD back to RMB [7][10]. - Economic forecasts suggest that the Fed may continue to lower rates, which could further influence the attractiveness of both USD deposits and wealth management products [14][15].