I have two facades, one in Shanghai and the other in Suzhou. And I am a native of Shanghai, so I can give you some advice in this respect! First of all, I want to say that it&;s a little early to provide for the aged at 40, and it&;s hard to buy a suitable shop with 2 million funds! We must know that the impact of e-commerce is quite big now. For shops, good goods are not cheap, and cheap goods are not good. Therefore, it is necessary to have a certain financial threshold to buy shops in good locations! ! At present, my two shops have a rate of return of more than 7 points, and they were also bought a few years ago, but at present, they are all in the stage of renting and repaying loans, with little balance! So if you use 2 million as a down payment to buy a shop, I think there is still a good rate of return! Remember, if you buy a shop now, you must buy a new shop, a bottom business, a self-employed, catering and street-oriented one! The shop you buy must meet two conditions: 1. The annual rate of return is more than 7%! 2, the monthly rent can be deducted from the mortgage! ! With a down payment of 2 million, a loan of 2 million and a 10-year term, the monthly repayment amount is 22,000 yuan, which is 264,000 yuan a year! Then your rent must be greater than this figure to be considered as a qualified shop. From the point of view of a set of 4 million shops, the annual rental return of 280,000 is more appropriate and qualified! Remember, shops rely on support, and it is impossible to buy them immediately and bring you higher returns! Nowadays, the threshold for a good shop is very high. It is difficult to buy a shop with a return rate of more than 7% with a total investment of 2 million yuan. Therefore, if you want to sell a shop for investment or even provide for the elderly, it may not be easy to achieve it at the age of 40. At least wait until you are 45-50 years old and pay off the shop loan! But if you invest now, you will be happier than many office workers by that time! Although the era of three generations of shops is over, it is no problem to raise one generation in one shop. Secondly, investment is originally a measure to invest in the future. Ten years ago, the arrival of e-commerce hit the entity. Who knows if the entity will make a comeback after 10 years? ? Therefore, it is no problem to have the ability and the funds to match 1-2 sets, but from the perspective of 2 million funds, 40-year-old pension is a little early. If you don&;t invest, it is easy to live on empty land! If you agree with me, please add mine. Thank you for your support.