After immigration, how to plan the real estate?

Immigration is not a product of impulse. Once a decision is made, all kinds of potential problems should be fully considered. Kaisheng immigration experts suggest that before emigrating, we should sort out our assets one by one and formulate countermeasures one by one according to the specific situation. Should we continue to maintain the status quo or realize it as soon as possible, stay in China in the form of RMB or transfer it abroad after exchange? Kaisheng immigration experts believe that how to deal with and plan their own property is mainly based on several considerations: First, whether the overseas life after immigration is comfortable, if there is no worries, you might as well leave some assets at home, and cross-border diversified asset allocation can effectively reduce the market risk of your portfolio, which is an ideal structure; Second, growth investment opportunities in emerging markets. After all, China is the most attractive emerging market in the world. In the foreseeable future, China's economy will continue to grow at a high speed. Many foreign investors are trying their best to squeeze into the China market, hoping to get a slice of the growth opportunities in China market. However, there are also structural risks in the development of emerging markets, and it is necessary to consider what kind of assets to keep and how much to keep. Third, exchange rate changes. Judging from the macroeconomic situation at home and abroad and the trend of NDF in recent years, it is probably a long-term trend for the RMB to maintain a small and steady appreciation in the next few years. In this case, holding RMB assets is a better choice, especially compared with some non-commodity currencies; Fourth, the factor of interest rate level. Interest rates vary from country to country. It depends on the comparison between the interest rate level of the destination country and the RMB interest rate level. Due to factors such as curbing inflation, the RMB may continue to raise interest rates in the past two years and maintain a high interest rate. If you immigrate to countries with extremely low interest rates such as Japan, it is obvious that the better opportunity to invest in fixed-income products is at home. Kaisheng immigration experts believe that it is a relatively tasteless choice to continue to make fixed-income investment products in China after immigration, unless the product income is high enough to cover maintenance costs and opportunity costs. Therefore, for some unexpired bank deposits, bonds or other fixed-income investment products, if the loss of income from early withdrawal is not great, we can consider realizing them as soon as possible before immigration and converting them into foreign exchange. If some trust products with fixed income are not allowed to withdraw in advance, we can consider discounting part of the income and transferring it to other investors later. Of course, if it is a fixed-income product with higher income, you can also consider continuing to hold it, but you need to confirm whether the principal and income will be automatically transferred to the bank account after maturity. For some stock assets, Kaisheng experts suggest clearing their positions as much as possible before immigration, especially for small-cap stocks with high valuation. If it is a blue chip with low valuation and stable performance, it can be held appropriately. Although the internet can erase the restrictions of national boundaries, after all, people have lived overseas for many years, and there may be some deviations and lags in mastering the dynamics and information of the domestic market. Moreover, stock is a forward-looking investment, so it is safer to change the style to long-term investment rather than short-term speculation after immigration. Choosing some funds with good quality, stable long-term performance and small fluctuation is an optional scheme. Because the performance of domestic funds is mostly unstable, it is necessary to pay close attention to the dynamics of the net value of funds after immigration and do a good job in the rotation of some fund varieties in time. If you have physical gold or gold ornaments, you must cash them, because the country has strict regulations on taking gold out of the country, and the total weight cannot exceed100g. In addition, if you have a family car, you need to sell it as soon as possible. What needs special attention is that all assets before immigration should be concentrated on one bank card as far as possible, which is convenient for future operation. This bank card must have a perfect online banking function. In addition to basic settlement functions such as transfer, it is more important to have financial management functions such as self-help, trading funds and third-party depository. It would be better if the handling fee could be lower.