Here's

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a simplified version of your story:

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I want to share a true story. I have a classmate who made over 10 million yuan five years ago. Instead of buying a house, investing in stocks, or other financial products, he put all the money in a bank and only withdrew the interest each year to deposit it back.

When I heard this, I felt a mix of amusement and sadness. His conservative method is safe, but it might not keep up with inflation. With the highest annual interest rate of 3%, he only gets 300,000 yuan a year, which won't help his money grow much over time.

I suggested he invest some of his money in the stock market or stock funds for higher returns. However, he admitted he has no experience in investing and is afraid of losing money. I mentioned that he could invest in stable blue-chip stocks or well-known stock funds to spread the risk. But he still didn't want to touch his principal.

I've done my best to persuade him, but it's up to him to be open to new ideas. Sometimes, being too cautious can prevent greater gains. His 10 million yuan might not grow much due to his overly safe approach.

What do you think? Is my idea better or is his approach right? Everyone has different views, so investment choices vary. What are your thoughts?

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