What other high-quality assets can RMB be bound to besides the US dollar?

Overseas property, overseas insurance, private equity.

1, overseas property

At present, the number of China people buying houses overseas is increasing, and there are more than 100 overseas real estate agents in cities like Shanghai. Perhaps you can own an overseas investment property with high rental yield and high growth return only by spending the down payment similar to that in China and the interest similar to that in domestic provident fund loans. There is no reason not to be exciting.

At present, the mainstream of overseas real estate is still the United States, Britain, Australia and other European countries. The types of real estate in the United States vary greatly. As far as I know, some second-tier cities have the highest school district housing yield, which can reach 8%, but the housing price growth rate is not as good as that of first-tier cities and tourist cities. The newly developed properties in London are mainly concentrated in the southeast, the rich areas are all in the northwest, and Vanke and Greenland are concentrated in the middle and lower reaches of the Thames. The price of a two-bedroom apartment is around 500 thousand pounds. At the current RMB exchange rate, it is also the price of the Third Ring Road in Beijing. Because the calculation of foreign real estate is the practical area rather than the construction area, of course, fine decoration is necessary. The down payment is about 40%, and the rental income can basically cover the installment principal and interest. There is no property tax and property tax in Britain. At present, the yield of Australian real estate is 6%-8%. Of course, more people buy their children to go to school and immigrate to support the elderly in the future. It is worth mentioning that at present, buying a house in Portugal can directly immigrate, as long as it costs more than 500,000 euros. With an EU passport, it will be good for children to go to school in Britain, France and Germany in the future.

2. Overseas insurance

Foreign insurance is more profitable than domestic insurance, but it is also more risky, which may be influenced by the requirements of the China Insurance Regulatory Commission. The mainstream is still AIA, Prudential, AXA and Manulife. Of course, the threshold is still quite high. In the past, mainlanders bought annuity insurance of at least $65,438+0,000, which was paid annually. As an asset inheritance, it is still quite good. I once met a wealthy business owner who bought overseas insurance for his daughter just to prevent his son-in-law from getting the money. Rich people really think differently from ordinary people.

3. Private equity

More and more domestic institutions began to sell foreign currency-denominated private equity, including primary market equity, real estate, junk bonds and so on. And the life span is quite long. Generally, according to the 7-year PE calculation, the threshold is about 200,000-500,000 US dollars. If it is an equity product, it will eventually be listed overseas.