30 million yuan is a relatively large sum of money, and the funds for operating this amount can be divided first. First of all, the capital preservation fund accounts for about 45% of the total funds. The investment goal of this part of funds is: projects with less risks and lower transaction costs, and it is best to reduce taxes. The expected income can be smaller, with the purpose of capital preservation and appreciation (recommending national debt, educational charity fund or national debt). For 15% assets (i.e. 4.5 million) are emergency funds, which require high liquidity and good turnover rate, so it is more reasonable to invest in short-term bonds, short-term bank deposits and commercial bills with high liquidity. The remaining 40% of the funds can be used for stock funds with relatively high risks or directly participate in the investment of stocks or stock index futures. Personally, I have no expectations for real estate. But I suggest that even if I am worth 30 million yuan, I should find a job to enrich myself, keep in touch with the society and keep learning, so as to keep or even expand more funds.