First of all, according to the information you provided, you plan to repay 4,500 yuan per month and pay off 50,000 debts within one year. In the next four years, you want to resume credit reporting and conduct investment and financial management. It is estimated that your monthly salary is 5000, and you plan to save 4000 every month. After four years, you expect to accumulate192,000 yuan (excluding interest), plus 20,000 credit cards, and the total * * * will reach more than 2 10000. Then there is the question of how to invest and choose.

1. Investment options:

-Buying real estate: consider using part of the funds to buy a house, which can meet the housing demand and asset appreciation at the same time.

-Financial products: You can choose low-risk financial products, such as bank time deposits and money funds. These products are relatively stable and suitable for preserving value and accumulating wealth.

-Other options: Besides real estate and wealth management products, other investment methods can be considered, such as stocks, funds and bonds. But please pay attention to the balance between risk and reward.

2. Feasibility of the plan:

-repayment plan: according to your plan, it is feasible to pay off the debt within one year, but you need to ensure a fixed monthly repayment amount and abide by the repayment plan.

-savings plan: the goal of saving 4,000 yuan per month is concrete and feasible, but in the process of implementation, we should reasonably control living expenses and develop good savings habits.

-Investment plan: It is feasible to accumulate more than 265,438+0,000 yuan in four years, but it is necessary to choose investment products carefully and understand the related risks.

3. Recommendations:

-Optimize the budget: In addition to repayment and deposit, it is recommended to allocate wages reasonably for daily expenses and emergency reserve funds to ensure the quality and stability of life.

-Learn financial management knowledge: understand the investment market and various financial products, and attend relevant training or courses to improve your investment level.

-Seek professional advice: If you are uncertain about how to invest or have limited knowledge of the market, you can consult a professional financial consultant or institution for more accurate advice.