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【题目】小王现有13万元闲置资金想投资理财。该年1月银行一年期整存整取的人民币利率是1.5%,同期美元利率为1%,人民币兑美元中间价为6.5,假如一年内美元兑人民币升值1%。不考虑其他因素,你给小王最理想的投资建议及理由是

A.以活期储蓄方式存入人民币,活期储蓄比定期储蓄灵活方便

B.以定期储蓄方式存入人民币,因为人民币利率高于美元利率

C.以活期储蓄方式存入美元,美元在世界市场支付更便捷

D.以定期储蓄方式存入美元,因为美元升值会使收益更高

【答案】D

【解析】根据题意,虽然该年1月银行一年期整存整取的人民币利率是1.5%,同期美元利率为1%,但是由于美元一年内预期会升值1%,其升值部分超出了存款利息,所以要把人民币兑换成美元,并且采用定期存储,因为定期储蓄的利率要高,D符合题意。其他选项均不符合题意。

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