Someone asked if I am a rich second generation, and I humbly said that I don't think I can be considered rich at all; I can only say that I am in the upper-middle class. My parents did not help us, and my spouse and I, one from the 70s and the other from the 80s, relied on the benefits of the times and our own efforts to make our way.

As for overseas investments, mainly in Hong Kong stocks, the blue-chip stock I am currently optimistic about is Hong Kong Exchanges and Clearing, since as long as there is stock trading in Hong Kong, this stock must be included. Many people like to buy HSBC, but that depends on personal preference.

In life, my material desires are still decreasing. If I have any desires left, I once impulsively thought that if my child got into a desirable university, one ranked internationally, I would go out on the street and give away a million; that would still be worth it. But looking at the current grades, the possibility seems slim, so it’s just a joke.

After six months, this answer has suddenly gained more attention, so I’ll update it again. Because in first-tier cities, housing prices previously surged, and now the house is valued at 40 million. However, the property tax is about to come, so it feels quite hollow. Perhaps many years later, when the house's value has dropped significantly, I can still brag to my grandchildren about how my property once reached such astronomical prices.

In terms of investment changes over the past six months, I won’t reinvest the money that came out of the trust when it matured, because there’s a feeling of not being able to see the situation clearly; I don’t know what some people really want to do.

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After six months, I’m updating again. Since Zhihu has enabled address display, many viewers might understand why I have overseas investments, as it’s a family that somewhat straddles both the mainland and Hong Kong. We primarily earn money in the mainland, while Hong Kong is a flexible choice for relocating our children abroad. My spouse and I are very cautious; previously, our property and cash assets were at a one-to-one ratio, and now our domestic and overseas assets are also at a one-to-one ratio. Yes, in the past six months, I transferred some money to Hong Kong because the interest rates there are very low. I have currently purchased several million in government green bonds, which is quite conservative.

As for the stock of Hong Kong Exchanges and Clearing, my cost was over a hundred, peaked at five hundred, and now it’s over three hundred; I have no plans to sell it and intend to hold it long-term for dividends. Additionally, I am optimistic about oil stocks and have bought some Sinopec. I am also waiting for dividends; U.S. stocks are also oil stocks.