依家做5年定存有咩貨幣好?

1. Only 2 - USD and HKD.

Too many things can happen during the next 5 years, so HKD and USD (due to linked exchange rate) will be more stable.

2. No one knows. Interest rates have been stayed low for years.

同意Gary網友的意見，應該是美元。
美聯署今年6份加息的機會大，幾乎眾口一辭。筆者仍然認為是今年的9月份，才是真正加息時間表的開始。

盧布,因為油價下跌,利息加到10%以上,但匯價就跌左4成.

其實唔買外幣,持有港幣都屬於係一個投資(美元升值),你要買一隻外幣仲要睇5年,真係好難估計,正如上年都唔可能估油價會跌一半啦,5年真係好長喎.