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¥
Chinese Yuan
CNY · China
23
Low
Risk
Risk
Historical Scores
What does this mean for you?
The Chinese Yuan is one of the safest currencies in the world, scoring just 23 out of 100. Strong institutions, low inflation, and global trust make it a reliable store of value.
You only need about 1.6%/yr to stay ahead. A basic savings account is enough. Calculator ↓
Inflation
0.1%
Debt / GDP
Not available
GDP Growth
5.0%
FX Volatility
14.6
Governance
-0.2
Reserves
11.9 mo
Analysis
What's working well
Prices are stable — your money holds its value well
Economy is growing healthily
Healthy foreign currency reserves as a safety net
What to watch out for
No major concerns
Savings Impact Calculator
¥
Holding cash in CNY0.1% inflation
¥997−¥3 (0% purchasing power lost)
Your ¥1,000 buys 0% less in 5 years
What if you invested ¥1,000 instead? (5yr, in CNY terms)
Hold USD Cash
¥859
−¥141
-3.0%/yr net in CNY
S&P 500
¥1611
+¥611
range: ¥734–¥3176
10% USD return + 0.0% FX · ±16% vol
Gold
¥1469
+¥469
range: ¥418–¥4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
¥3052
+¥2052
range: ¥180–¥18.4k
25% USD return + 0.0% FX · ±54% vol
All values in CNY. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between China (0.1%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.
Holding other assets too? Calculate your full portfolio risk →
Recent News
All news →This score is based on our 12-factor risk model. Think inflation or debt should matter more? Build your own model with custom weights and see how CNY ranks differently.