持有美金及持有港元做定期的分別?

1. It depends on what exactly your purpose is.

For example, if you have plans using USD (like going to the U.S.), it is not a bad idea at all.

Other than that, it depends on how much difference in interest.

2. The good news is HKD is linked with USD. So the exchange rate is stable. So you will not suffer a big loss in exchange in case of any problem. Beside, in case you are not yet ready to exchange USD into HKD, you can put the USD into a saving account.

The bad news is the difference in interest among any currencies is not significant. USD, HKD, etc. will not make a difference that your money is losing value due to inflation. This makes no point of making any changes.

其實呢個問題,係同目的有關.

基本上轉做美金同轉做人民幣既原理一樣,就係對港元不信任,亦即係你應該係希望所投資既貨幣智相對港元係升值(包括埋利息).

咁轉做人民幣就唔難理解,但轉做美元就冇咩呢個特點,因為掛左鉤.

唯一理由就係,就係港元萬一脫鉤所帶來既風險,首先機會好低,其次港元反而可能會暴升,第三係你有既錢係多到需要做呢個咁萬中無一既風險管理.

咁你諗你勒.