手握100万，买房、黄金还是投资自己更划算

Core Insights - The current low interest rates make traditional bank savings ineffective for wealth preservation, leading to a need for alternative investment strategies [1][10] - Investing in gold is seen as a hedge against economic downturns, but it comes with high volatility and additional costs that can affect overall returns [2] - Real estate is traditionally viewed as a stable investment, but high entry costs and low liquidity can pose significant challenges [3] - Investing in personal development and skills can yield substantial long-term returns, often surpassing traditional asset growth [5][11] - A diversified investment strategy is recommended to balance risk and growth potential, avoiding concentration in any single asset class [6][10] Investment Strategies - Bank savings are becoming less viable due to low interest rates, which do not keep pace with inflation [1][10] - Gold is a viable option for wealth preservation but requires careful consideration of market fluctuations and transaction costs [2] - Real estate investments can be burdensome due to high costs and low liquidity, making them less attractive in a slowing market [3] - Investing in oneself through education and skill development is highlighted as a high-potential strategy for long-term wealth accumulation [5][11] - A suggested allocation strategy includes investing in gold, stable funds, and personal development to create a resilient financial structure [6][10]