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新币：美元人民币之外的第三种选择

特朗普再次当选后，世界加速进入乱纪元。

我们每个人都在通过自己的方式去找到更多确定性，特别是在理财和投资上。

 

在过去，美元是全世界共同的信仰，是稳定和避险的代名词。

现在，美国债务加速膨胀，特朗普的政策又一天一个样，恨不得与全世界为敌，让大家纷纷对美元以及美元资产投出不信任票

 

而风暴的另一端，人民币，因为受到关税的影响，币值会怎样波动，在短期内也并不明朗。

所以，在这个特殊的时期，我们需要把目光投向别处，寻找一个安全稳定的第三方。

 

刘润老师曾经说过一句非常直白的话，新加坡是东南亚的首都。

 

新加坡的法定货币新币，对于整个东南亚乃至整个亚洲的人，都是非常好的避险货币。

主要原因有下面这几点：

 

1、新加坡是亚洲唯一的AAA主权信用评级国家。

作为一个小国，新加坡很懂得如何在两个大国之间保持独立又能维持微妙的平衡，而且政治廉洁高效，法律体系又跟英美接轨，比较守规则。

 

强劲的信用评级背后是全世界对新加坡安全和稳定的认可。

 

2、新加坡是亚洲最成熟稳定的金融中心之一。

作为东盟最主要的经济体，新加坡货币政策透非常明。

咱们之前讲过，新币既不挂钩美元也不挂钩人民币。而是挂钩一揽子货币。

根据与新加坡贸易和经济相关性高的主要货币（例如美元、欧元、人民币、日元等）来统一决定。

 

新币汇率也是以贸易加权篮子货币为基础进行管理浮动，不像人民币有严格资本管制，也不像美元那样受美联储政策左右。

 

3、长期的升值潜力和预防通胀。

新加坡长期奉行“轻微升值”的货币政策来对抗通胀，因此长期持有新币能起到保值和抗通胀作用。

新加坡采用货币局制度Currency Board System，每发行一单位的新加坡元，都必须由等值的外汇储备支持。

这么一来就确保了新币的稳定性，大大幅降低通货膨胀的风险。

 

同时新加坡的外汇储备在全球名列前茅，为新币提供了强有力的后盾。

过去10年新加坡的平均通胀率仅为1.5%左右，远低于全球水平。

而且在接下来全球贸易格局重塑的时期，新加坡会凭借自身的地理位置的优势，让新币在全球贸易结算中承担更重要的作用。

 

总之，如果你觉得持有美元和人民币都不足以分散风险，让资产保值。

新币以及新加坡资产会是一个分散风险的理想货币币种。

 

 

我是Joey，一名从业12年的新加坡资深理财顾问。如果你想详细了解这个产品更多细节，或者想根据自己的情况做一个测算，欢迎留言

欢迎添加微信：JOEYWUZUHUA 或What’s App:+6593214536

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Joey Wu Zuhua吴祖华

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

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  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策