Recently, many people have asked me, what’s a good investment now? How can 100k yuan avoid being eaten up by inflation? I’ve noticed that many are still waiting until they save a million before starting to invest, but that mindset might become more and more disadvantageous.

Look around, rent and prices have long since become unmanageable. The central bank’s interest rate is fixed there, and the purchasing power of every dollar is shrinking daily. But this is also an opportunity, because the threshold of 100k yuan is something you can truly save with effort. Many underestimate this amount; in fact, it’s like a seed—your most tangible weapon against inflation.

Investing isn’t just a game for the wealthy; the key is whether your mindset is right, whether you choose the right projects, and whether you have enough time. I’ve seen many small investors start with 100k yuan, gradually growing their assets through correct strategies. So, the question of what to invest in now really depends on your personal situation.

First, you need to understand your cash flow. Keeping a budget may sound old-fashioned, but it’s truly crucial. You should treat yourself like a company, clearly knowing how much money comes in and goes out each month, so you can set aside real spare cash for investment. The biggest taboo in investing is having an urgent need for cash, forcing you to sell at a low price, and then the loss becomes unrecoverable.

Then, ask yourself: why am I investing? If you just want a little extra pocket money each month, dividend-focused funds or high-yield ETFs are very suitable. Many funds now pay dividends of 7 to 8%, so 100k yuan a year could generate 7,000 to 8,000 yuan, with a few hundred yuan coming in every month. This method is especially friendly for office workers, requiring no daily market watching and not affecting your main job.

But if you want to accumulate wealth more quickly, you need to consider more aggressive strategies. The advantage of small capital is flexibility. Many trading platforms now have very low thresholds, allowing participation in US stocks, indices, and cryptocurrencies. As long as you pick the right direction, using turnover rate for higher returns, your accumulation speed can be much faster. I’ve recently been studying opportunities in dollar cycles and cryptocurrencies. The answer to what to invest in now will constantly adjust according to market rhythm.

Regarding specific assets, I categorize them into four types. For defensive assets, gold is a must. It doesn’t pay dividends itself, earning through price differences, but it’s especially resilient during economic instability. From 2023 to 2025, gold prices have risen significantly because the market faces too much uncertainty.

For growth assets, I still favor AI-related stocks. NVIDIA, for example, produces GPUs that are the core infrastructure for AI, with stable gross margins. TSMC is also a key player—being a semiconductor leader, it’s a crucial part of the global tech supply chain, and AI demand will only grow. NextEra Energy, an American green energy company, is also worth watching because AI servers consume a lot of electricity, and investing in power infrastructure is more stable than just solar or wind energy.

If you want steady long-term growth, ETFs are the best choice. SPY tracks the top 500 US companies and has risen 116% over the past 10 years, averaging about 8% annual growth. Although its dividend yield is only 1.1%, its capital gains ability is very strong. Taiwan’s 0056 is a high-dividend ETF with stable payouts, suitable for those seeking cash flow. My own view is that what to invest in now largely depends on whether your income is stable.

Bitcoin’s role has also changed over the years. It’s no longer just a speculative tool; it’s being incorporated into various institutional asset allocations. Although volatile, as a representative of digital assets, it still has a story in the long run.

In summary, successful investing requires good thinking, suitable projects, and enough patience. Whether earning 6,000 yuan monthly in dividends or 8% annual capital gains, as long as you persist, the power of compound interest will gradually show itself. Many people ask what’s good to invest in now; actually, the most important thing isn’t which asset to choose, but finding a method that suits you and sticking with it. That way, the days of small wealth accumulation are not far off.