Ace Elite Lecture Hall-人民币贬值如何理财？

Ace Elite Lecture Hall-人民币贬值如何理财？ 
近期，人民币兑美元中间价持续下调，美元汇率趋势不断走高。人民币贬值常态下，投资者应该如何打好财富保卫战?理财投资方面又应该注意哪些问题? 
gold可逐步长线投资熟悉投资的人都知道，货币市场和黄金市场是处在杠杆的两端，当货币市场持续贬值的时候，对黄金市场来说是利好的，投资者们不妨在货币贬值的时候投资黄金。  
    黄金的价格趋于稳定，是保值的好方法，若黄金市场出现升值，对于投资者来是很大的福利。黄金以美元计价，人民币贬值相当于间接抬高金价。如果决定入手黄金，应考虑交易渠道、购买时机及手续费等问题。 
适度增加美元资产美元的价值相对来说比较稳定，当国内货币市场出现贬值情况时候，投资者不妨考虑购买美股。 
目前的人民币贬值对个人的影响更多的是体现在金融资产的管理上。对于拥有大量金融资产的人来说，要注意不要把资产集中在单一货币上，可以适度增加美元资产。 
投资美元存款和美元理财有助于资产保值，但如果只是短期持有美元，高昂的手续费可能抵消换汇收益;即便中长期持有，也应考虑人民币对美元有无持续贬值空间。 
专家还提醒，尽管人民币对美元短期略有贬值，但对欧元、日元等还在升值。消费者未必紧盯着美国商家，可以到汇率更为合算的其他国家购买，比如汇率较为划算的欧洲、俄罗斯、日本等地。而且，由于不少美元投资设有门槛，对资金量不多的投资者来说选择范围较窄。 
购买境外保单 
由于境外保单以美元或港元结算，在美元对人民币升值的情况下，购买境外保单可以提高投资回报率。但目前香港保单市场鱼龙混杂，投资者要谨防被骗。 
此外，不少人出国喜欢刷信用卡购物，如果人民币升值，延期还款能够少还点钱。但如果人民币贬值，那就不如提前还款划算了。 
同时，对普通老百姓而言，人民币贬值时期出国旅游需谨慎，贬值会带动出国旅游的开销。
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