I am a 66 year old insurance broker and have owned business..Insurance brokerage agency since 1985. My wife is Chinese. I go to China often--and considering moving to Island of Hainan in South China Sea when/if I retire. My modus operandi has been a modest life style and no debt. My bottom line has been effected more on amount I save more so than high return. In this day and time I'll take 5% return and sleep well at night.