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].

Group 1 - The core viewpoint of the article highlights the significant adjustment in domestic bank deposit rates, with the one-year fixed deposit rate falling below 1%, leading to increased interest in dollar-denominated financial products due to their relatively higher yields [1][5] - The dollar deposit rates have seen a decline of 30 to 100 basis points, prompting a shift in the dollar wealth management products' performance benchmarks, which have dropped below an annualized 4% for mainstream low-risk products [1][2] - The market anticipates 1 to 2 rate cuts by the Federal Reserve this year, encouraging investors to seize the opportunity by selecting top institutions with strong cross-border investment management capabilities [2][5] Group 2 - Huahua Wealth Management has demonstrated strong performance in the dollar wealth management sector, with its product achieving an annualized return of 5.4%, ranking first among similar products, while maintaining a maximum drawdown of only -1 basis point [3][4] - The investment strategy of Huahua Wealth Management focuses on high-quality, low-volatility assets, primarily allocating to dollar deposits from large banks and selecting overseas fixed-income assets to enhance overall returns while controlling risks [3][4] - The company leverages its global perspective and local experience, supported by its foreign shareholder's extensive resources, to continuously identify quality overseas assets for its dollar wealth management products [4][5]

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