For ordinary people, it's really not difficult to get an annualized income of 15% -20%! The difficulty is that you hold onto a pile of hopeless junk assets and refuse to let go, dreaming of turning things around with them! Listen carefully, do these two things immediately: Firstly, sell all the non self occupied properties and junk assets in your hands that have no cash flow and only consume your costs! Cash out, don't keep any bad money! Second, open Alipay and directly search for the S&P 500 and Nasdaq 100, even if you close your eyes and buy in a supermarket, or buy in a one-off way, or buy in a fixed investment according to the plan. Of course, there will be a limit on the amount, so please continue to choose global active funds if necessary. Simple Science Popularization: There are active and passive bases in Alipay fund: Passive basis: It refers to "copying homework", where the stock market follows suit, usually with words such as index 100. Proactive fund management: "Do your own exercises", buy more of the best fund managers and sell the worst. Usually comes with global selection, global technology, etc. For example, Proactive Fund's global selection, currently one of the most handsome guys, with an average annual return of 34%. The excellent initiative has also been organized for your brother and posted on the website. https://www.btcdca.me/us-fund-holdings/ How to choose the road depends on yourself!!