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 Zhongshan. The extra money can live for many years.

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, the wife's jewelry should be good... In fact, most of us are ordinary people. We may make a lot of money by chance by catching the trend, but it does not mean that we can make a lot of money all our lives. Since this is the case, we should plan our lives as 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 make 4.5 million yuan by chance and you think you are out of the category of ordinary people. In the end, you find that your level is that of an ordinary person, and then you invest and lose 4.5 million yuan.

Therefore, it is very important to know yourself. As an ordinary person, you can have 4.5 million yuan as a bottom line, whether it is medical care or retirement, you are actually very confident. Of course, you also have to understand that this money is for the bottom line, not for high-end consumption.#热门事件