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A person has 4.5 million, but can no longer find a job. He can only invest. What is the safest way?
Just save money honestly.
Continuously reduce your living costs to offset inflation.
I have heard a speech by a Hong Kong financial planner. She said that a considerable number of Hong Kong people spend their lives like this. When they are young, they live frugally, buy a small house, then change to a big house, and then change to a bigger house. After the children leave the nest, they change to a small house, and the extra cash can be used. Moreover, by constantly changing houses, you can meet the needs of different ages. For example, when you are young, you need to be close to the company, when you are middle-aged, you need to have a good school district, and when you are old, you need to be close to the hospital, etc.
In the past ten years, Hong Kong people have also been migrating to the mainland. They sold their houses in Hong Kong and bought houses in Guangzhou more than ten years ago. Recently, they sold their houses in Guangzhou and bought houses in Shunde and Zhongshan. The extra money can live for many years.
In recent years, there have been constant layoffs. Some employees of large factories in Shenzhen have been laid off and can no longer find suitable jobs. They simply sold their houses in Shenzhen and returned to their hometowns. Of course, the education and future of their children still need to be worked hard. However, at least the lives of their generation are guaranteed.
When people make a lot of money, they tend to have unrealistic fantasies about their future, thinking that they are great and that they will always make a lot of money. So their consumption will also be unrealistic. The house should be good, the children's kindergarten should be international, and the wife's jewelry should be good... In fact, most of us are ordinary people. We caught the wind and made a lot of money by chance, but it does not mean that we can make a lot of money all our lives. In this case, we should plan the lives of ordinary people well.
4.5 million yuan is really not a small amount, enough to live a good life.
My answer is for ordinary people. Ordinary people refer to people who live by labor rather than assets. Inflation is specially designed to prevent ordinary people from accumulating wealth and have to work. To put it nicely, it is something that makes social wealth flow. If you can invest more than inflation, you are not an ordinary person. The most frightening thing is that you made 4.5 million yuan by accident and you think you are out of the ordinary.In the end, you find that you are just an ordinary person, and then you lose 4.5 million yuan in investment.
Therefore, it is very important to know yourself. As an ordinary person, you can have 4.5 million yuan as a guarantee, whether it is medical care or retirement, you are actually very confident. Of course, you also have to understand that this money is for guarantee, not for high-end consumption. If you have your own house, you don’t spend too much on daily food and drink. Even if you don’t have your own house, you can go to an economically underdeveloped tourist attraction or go back to your hometown, and you won’t spend too much money on daily life.
