Someone asked if I belong to the rich second generation, and I feel embarrassed to say that I don't consider myself wealthy at all. I can only say that I am in the upper-middle class, but my parents didn't help us. My spouse and I, one from the 70s and one from the 80s, relied on the benefits of the times and our own efforts to make it.

As for overseas investments, mainly in Hong Kong stocks, the blue chip I am currently optimistic about is the Hong Kong Stock Exchange, after all, as long as there is stock trading in Hong Kong, this stock has to be there. Many people like to buy HSBC, but that depends on personal preference.

In life, my material desires are still decreasing. If I have any desire, I used to impulsively think that if my child gets into a desirable university, one with a high international ranking, I would go out and give away a million. That would be worthwhile, but looking at the current grades, it doesn't seem very likely, so I guess that's just a joke.

After half a year, this answer has suddenly gained more attention recently, so I want to update it. Before, housing prices in first-tier cities skyrocketed, and now the house is valued at 40 million. However, the property tax is about to arrive, so it's quite virtual. Maybe many years later, if the house depreciates significantly, I can still boast to my grandchildren that my property once reached a sky-high price..

In the past six months, there have been changes in investments. The money from the maturing trust will no longer be reinvested because I have a feeling that the situation is unclear, and I don't know what some people really want to do.

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After half a year, I want to update again. Since Zhihu has opened address display, many viewers might understand why I have overseas investments, as we are a family that runs between mainland and Hong Kong. We basically earn money in the mainland, while Hong Kong is a flexible choice for living abroad for our children. 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 bought a few million in government green bonds, which is quite conservative.

As for the stocks of the Hong Kong Stock Exchange, my cost was over a hundred, it peaked at five hundred and is now over three hundred, and I plan to hold it long-term for dividends. I am also optimistic about oil stocks and have purchased some Sinopec shares, waiting for dividends as well. American stocks also include oil stocks.