Your piddly RMB savings won't help you much back in either the UK or Australia (if that's where you're from ), two high cost of living nations.

You are right here, BUT the RMB is a strong currency at the moment. It would be prudent to invest in a bond or some such in Hong Kong, where there would be no tax, and you would get some small return for your money.The RMB is considerably stronger than the HKD at the moment, and if you save a lot, you could live very well in HK, without the need to work. But I agree it does bugger all to help you back in the Western countries.