For foreign currency wealth management products, especially those in a devaluation channel, experts generally recommend to "be very cautious". For one category of capital-protected fixed income products, the annualized yield given by banks (in US dollars) is only 5%-6%, while the interest rate for RMB fixed deposit for one year can reach 4.14%. This means that within one year, the appreciation of RMB needs to be less than 1.86% to ensure that these products do not have exchange rate risks. And according to last year's appreciation of 6.9% within the year, 1.86% is obviously easy to surpass. Another category of foreign currency wealth management products are mostly floating income products. Although the yield of 20%, 30% is very attractive, these products are mostly structurally linked products. From the recent zero-yield incidents, it can be seen that banks' own R&D capabilities are still shallow, and investors should particularly pay attention to the market risk and liquidity risk involved.