【导读】多款美元理财产品提前止盈，如何看待后续投资价值？ "美元理财还值得购买吗？"近期，多款美元理财产品因业绩"达标"而被提前止盈，甚至有产品相较于原 计划提前一年半结束，发售仅约7个月便触及止盈目标。 尽管如此，但市场对美元理财的热情却丝毫不减，发行量持续攀升。普益标准数据显示，截至7月17 日，美元理财产品的存续规模已突破5000亿元人民币（按当日汇率换算）。 在业内看来，鉴于短期内美国基础利率仍然较高，美元理财收益率相较于人民币理财仍具备一定优势， 但从长期来看，受美联储降息预期增加等因素影响，美元理财的投资价值将有所下降，建议投资者谨慎 决策，充分评估利率、汇率风险等因素。 多款美元理财提前止盈 近日，招银理财发布公告称，该公司旗下名为"招银理财招睿美元海外QDII（存款存单及国债）尊享目 标盈6号固收类理财"的美元理财产品因达到止盈条件已提前终止。 产品说明书显示，该产品主要投资于银行存款、存单及美国国债等固收类资产，风险等级为PR2（中低 风险），运作方式为封闭式，设定的止盈目标年化收益率为4.2%，同时该产品于2024年12月10日起发 行，于2026年12月15日产品结束。 换言之，该款美元 ...

Core Viewpoint - The article discusses the recent trend of early termination of several dollar-denominated wealth management products due to achieving performance targets, while the market interest in these products remains high. The total outstanding scale of dollar wealth management products has surpassed 500 billion RMB, and despite short-term advantages in returns compared to RMB products, long-term investment value may decline due to expectations of interest rate cuts by the Federal Reserve [1][5][11]. Group 1: Early Termination of Dollar Wealth Management Products - Several dollar wealth management products, such as the "Zhaoyin Wealth Management Zhaorui Dollar Overseas QDII" product, have been terminated early after reaching their profit targets, with some ending 18 months ahead of schedule [3][4]. - These products typically invest in fixed-income assets like bank deposits and U.S. Treasury bonds, with a risk level classified as PR2 (medium-low risk) and a target annualized return of 4.2% [3][4]. - The early termination allows banks to lock in profits for investors and enhances their credibility in market analysis and asset allocation [4]. Group 2: Growth in Dollar Wealth Management Product Issuance - Despite some products being terminated early, the issuance of dollar wealth management products continues to rise, with a total of 161 new products launched in June, marking a new high for the first half of the year [6]. - As of July 15, 2023, the total number of newly issued dollar wealth management products reached 68, showing sustained market interest [6]. - The total outstanding scale of these products exceeded 500 billion RMB as of July 17, 2023, indicating robust market demand [7]. Group 3: Investment Value and Market Outlook - Short-term, dollar wealth management products still offer attractive returns compared to most other investment products, with average annualized returns around 4% [7][8]. - However, with increasing expectations of interest rate cuts by the Federal Reserve, the long-term investment value of these products may decline, and potential currency depreciation could further compress actual returns [10][11]. - Investors are advised to carefully assess interest rate, exchange rate, and policy risks when considering investments in dollar wealth management products [11].