Global interest rate hike / The life of a small citizen who cares about one thing and another

Since the US announced interest rate hikes, the currencies of other countries have depreciated relatively. One US dollar can be exchanged for more currencies of other countries than before. This is good for those who already own US dollars, because they can take this opportunity to exchange their own currency and want to travel abroad. People can also exchange more foreign currencies, such as the Japanese yen, which has recently fallen to a near-record low.

The USD/JPY is almost 140. I started asking my friends to buy a little and keep it. First, I can earn the exchange difference. Second, my friends who like to travel to Japan can buy some at a low point to use as pocket money. It can be said that It kills two birds with one stone.

I have never made a foreign exchange difference before, and basically I don’t think that making a foreign exchange difference is a good investment tool, but this time the Japanese currency has really fallen so badly that I really can’t afford it if I don’t buy it.

In addition to the exchange rate, the biggest impact of interest rate hikes should be on mortgage borrowers. Because interest rates have been rising, we will pay more and more interest on loans, and the loan interest rate will always be higher than the deposit interest rate. Therefore, if you have money now, you must repay the mortgage first. ? Or use it to make a little investment with a high dividend yield? It all needs to be carefully measured.

Many people say that gold is the best anti-inflation tool, but this time the global interest rate rises, the gold fund I hold on a regular basis has plummeted, which is really unexpected, so I should increase it more on weekdays. Financial knowledge, lest the assets in hand not only fail to resist inflation, but also fall even worse...

Taking care of this and losing the other, in the end, it is really not pleasing to both sides.