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新币很稳，为什么富人依然选择美元，用来增值和传承财富？

很多人以为，新币稳定，汇率增值，就够安全了。可为什么富人还是偏爱美元呢？

原因很现实：如果你的资产没放在全球认可的货币里，可能会遇到流动性不足、市场波动，甚至财富缩水的风险。

美元之所以可靠，有几个关键原因：

  • 美元是全球第一储备货币，占全球外汇储备 58%。（可参考下图：蓝色代表美元占比例）

  • 过去十年，美元兑新币大约在一块美元兑换 1.25–1.40新币波动，新币稳，但美元背后有美国金融市场的深度和广度。
  • 美国国债规模全球最大，美元计价的大宗商品交易（石油、黄金）仍占主导。
  • 短期波动不可避免，但对长期投资者来说，这正是低成本买入的机会。

富人通常把美元作为核心资产配置，同时用保险工具优化：

  • 常用的保险工具包括：指数型万能寿险、分红储蓄险、年金险
  • 保险可以合理避税、指定受益人，做好传承规划，更是避免家庭纷争。
  • 现在的美元寿险可以挂钩标普500、纳斯达克，让寿险杠杆更高，更有价值。
  • 标普500指数过去的表现也可以轻易佐证了美国的经济发展。

总结：

美元不仅是一种货币，它是全球金融的锚。
想让资产稳健增值、顺利传承给指定的家人？
欢迎联系我，了解更多美元资产配置策略！

我是一位新加坡的理财顾问，根据你的需求为你定制一份专属你的资产配置和传承方案。

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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.

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Lidwina Teo 维娜

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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/.

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