財富管理之外幣資產配置

Abstract

在全球已慢慢步入地球村的狀態下，投資國際化、全球化已成趨勢，在台灣可以投資美國的股票、英國的保單、南非幣的存款，財富管理的資產配置幣別不再是只有台幣，擁有一籃子貨幣的投資，已是投資理財的趨勢。握有外幣資產，不僅可以保值，亦可作多元的投資規劃，擁有外幣資產可作為財富管理的增高器。財富管理可分為境內與境外，境內財富管理提供客戶原居地的商品與服務；境外財富管理則提供客戶原居地以外的商品與服務。本文針對境內金融通路可購得的外幣金融商品作介紹，藉由外幣商品的資產配置，進而提高整體資產的報酬率。本文研究目的分別列示如下：一、分析財富管理市場的現況。二、探討台灣常見的外幣相關產品與特性。三、研究外幣資產配置的步驟與實務。四、了解外幣資產配置的風險管理與法令遵循。根據資產配置所做的投資，應定期檢視績效與理財需求。當財務狀況發生改變，應該調整理財目標，重新規劃資產配置，確保理財目標順利達成。

In a world of global village, international investment has become a trend. In Taiwan, we can invest in stocks of the United States, policies of the United Kingdom and currency deposits of the South African. NT dollar is no longer the only currency in asset allocation of wealth management. Holding foreign currency assets not only preserve the value of assets, but also diversify the investment plans and increase the value of wealth. Wealth management can be divided into inshore and offshore aspects. Inshore wealth management provides clients of domestic products and services; offshore wealth management provides clients of offshore products and services. In this paper, foreign currency financial products introduced are all available in the domestic financial channels .By foreign currency asset allocation; the overall return on assets may be increased. The purposes of this study are listed as follows: First, to analyze of the wealth management market, second, to explore the common characteristics of foreign currency products, third, to study the steps and practices of foreign currency asset allocation, fourth, to understand the risk management and the laws of foreign currency asset allocation. Investing by asset allocation should regularly review the performance and financial demand. If the financial situation changes, we should adjust the financial targets and re-plan asset allocation to ensure that the financial target is reached.