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A diverse portfolio reduces investment risks. But my savings may still be dominated in a single currency. One portfolio that diversifies currency holdings are special drawing rights: U.S. dollar 41.73%, Euro 30.93%, Renminbi (Chinese yuan) 10.92%, Japanese yen 8.33%, British pound 8.09%. It seems to me that holding such seems like the currency equivalent of an index fund, diversifying currency exchange rate risks. Is it possible for an individual to hold such special drawing rights or something equivalent?

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To my understanding, Special drawing rights are assets defined and maintained exclusively by the International Monetary Fund and exclusively to be used between IMF and member-countries and are not available to retail clients per se.

That being said, there's nothing that prohibits you from actually making such a currency portfolio for your savings should you want to do so on your own.

If you don't want to be bothered with re-balancing etc and can take the fees involved, you can always go for something like this to gain exposure to an SDR-like product.

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