The exchange rate risk caused by continuous currency appreciation, the risk of stock decline and the emergence of gold - Chinese investors are facing an increasingly complex investment environment, and their choices will determine their success or failure. Currently, China's investors are experiencing an unprecedented complex situation. The rapid appreciation of the RMB has made them worry about the depreciation of their foreign exchange assets; the sharp fall in overseas stocks has made the prospects of China's stock market extremely unclear, with a huge reduction in market value.