2.1 million cash, using the classic 631 rule, buy 60% stocks, 30% bonds, and 10% cash!

Stocks, 1.26 million, buy China Shenhua, China Merchants Bank, or Industrial and Commercial Bank of China, just one bank is enough, they have stable operations, consistent dividends, and a dividend yield greater than 5%, if calculated at 5%, this is 63,000 per year!

Bonds, 630,000, directly buy low-volatility fixed-income products on Alipay, it is recommended to prioritize China Merchants, Guangfa, Ping An, and E Fund, approximately stable at 3%-5% per year, calculated at an average of 4%, which is 25,200!

Cash, 210,000, for personal living expenses or emergency family medical needs, at 40 years old, parents are aging, children are still young, there may be times when money is needed!

Estimated total annual income is 88,200, which is 7,350 per month. When things are good, stock positive returns + dividends might exceed 100,000! Then, I could get a regular job, or drive a Honda Accord for Didi + carpooling, earning 10,000 a month, easily, even in second or third-tier cities, living comfortably! 😌

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