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美元走弱，应该选择美元配置？

真正做过资产配置的人都知道：安全不只看稳定，更要看“能不能随时换成世界都认的流动性”。用一个比喻：新币像一张“本地通行证”，日常生活当然好用；但当你要做海外资产、跨境教育、移民、医疗、企业现金流安排时，你需要的是“全球通用的结算货币”。

对于中高净值人群而言，适度配置海外资产，尤其是以美元计价的资产，有助于分散单一市场与单一货币风险，并在长期实现更稳健的财富增长。即使近期美元走勢偏弱，也不代表其全球主導地位動搖。從數據與實際使用面來看，美元仍是全球金融體系的核心支柱。

 

美元霸权的关键

  • 储备货币：各国央行把美元作为主要外汇储备之一，用来稳定本国金融与汇率。IMF 的 COFER 数据显示，2025 年第三季美元在已分配外汇储备中的占比约 56.92%（环比小幅下降，但仍居首）。
  • 结算与定价货币：大宗商品（能源、贵金属等）与大量跨境贸易仍习惯以美元计价与结算（惯性很强，替代成本也高）。

  • 融资货币：很多国家的政府、企业、银行会用美元借钱（发行美元债、美元贷款），拿去投资/做生意/周转，最后要用美元本息偿还，形成“借美元-用美元-还美元”的循环。

 

美元对新币在走弱的好处

过去一周 USD/SGD 大致在 1.25975-1.2727 区间波动，1月也出现过更低点。你可以用更“便宜”的价格分批换美元用于资产配置。新加坡资产配置很强，但如果你想要更完整的全球布局，美元资产能更顺地连接：全球股票、债券、现金管理工具与多元资产-选择更多、市场更深，长期更有利于做“稳健增值”的组合结构。

富人配置美元，因为美元让资产更容易全球流动、更容易放进更大的投资工具箱，把财富传下去。欢迎私信我，我会先帮你能帮你把传承结构一次理清。

微信号：a19842182457 或 WhatsApp：+65 9465 3813

 

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:

Martin Hsia 乙未

歡迎來到我的個人網站，我是Martin乙未，土生土長的台灣人。曾經在澳大利亞和上海求學，目前定居於新加坡。

從小便對財務與投資充滿興趣，尤其是在家庭的熏陶下，這股熱情愈加濃烈。13歲時，便在金融海嘯中擁有了人生的第一張股票，也由此踏上了投資之路。在30歲之前，我成功累積了自己的第一桶金。

目前，我在新加坡最大的優質理財顧問公司工作，專注於為客戶提供資產增值和風險管理的專業服務，協助他們在多變的市場環境中穩健成長。

希望未來可以成為您在新加坡，投資理財的資源人士。

持續不斷為您輸出有價值的訊息，成為您在新加坡值得信賴的理財顧問。

 

 

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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