Recently, the market expectations for the Federal Reserve to cut interest rates in September have increased, and high-interest dollar deposits have also continued to attract attention. According to reporters, although the Federal Reserve has not officially cut interest rates, some banks have already cut interest rates on dollar deposits; at the same time, the performance comparison benchmarks of individual dollar wealth management products have also declined compared with before. Industry insiders have suggested that the possibility of the Federal Reserve cutting interest rates is increasing, which means that the later dollar deposit interest rate will enter a downward channel. When investors buy related products, they should pay attention to the impact of interest rate and exchange rate fluctuations on actual returns.