With 5 Million RMB, Which Asset Will Win in Five Years?

A simple but powerful question has been making the rounds online:

“With 5 million RMB, you can only choose one of seven assets. Five years from now, which will be worth the most? And which the least?”

At first glance, it looks like an investment riddle. But in truth, it’s much more than that. It’s a mirror of our collective mindset. In the age of AI and Web3, it’s not just about money—it’s a test of what we believe in, of where we’re willing to place our trust.

So let’s walk through this thought experiment. Seven assets, one choice, and a five-year horizon.

The Seven Assets

Here are the contenders:

• 35 lots of Kweichow Moutai stock

• 4,000 shares of NVIDIA

• 6 Bitcoins

• 15 kilograms of gold

• 1 share of Berkshire Hathaway Class A

• 50 classic LV handbags

• A small apartment in a prime location in Beijing or Shanghai

All are valued at roughly 5 million RMB today. But the real question is, where will they stand in 2030?

My Ranking

I see two tiers.

The first tier holds structural, long-term value: Bitcoin, NVIDIA, and Berkshire Hathaway.

The second tier faces concentrated risks or is slowly losing relevance.

My final order is:

Bitcoin > NVIDIA > Berkshire Hathaway > Gold > Moutai > LV handbags > Small apartment

Bitcoin: A Currency Beyond Nations

Six Bitcoins, priced at about 114,000 US dollars each, add up to 5 million RMB.

But Bitcoin is more than an asset. It is a bet on a new kind of civilization—one that resists inflation, resists censorship, and flows freely across borders. In many ways, it is gold reborn for the digital age.

From where I stand, it is the strongest candidate to outperform between now and 2030.

NVIDIA: The Engine of the AI Era

NVIDIA, with shares priced at around 170 US dollars, is the beating heart of AI infrastructure. It holds the keys to the world’s computing power.

As AI continues to seep into every industry, NVIDIA will remain a clear winner of supply and demand. Yet its valuation is already sky-high, making another explosive leap harder to achieve.

Its future depends on one thing: whether it can maintain its moat. Betting on NVIDIA is betting on the hardware foundation of the AI revolution.

Berkshire Hathaway: The Discipline of Compounding

One Class A share of Berkshire Hathaway is worth about 5 million RMB. Think of it as a compounding machine—a carefully built structure that bundles cash flow, insurance, and disciplined capital allocation.

Even when Warren Buffett is no longer at the helm, the system endures. It may not dazzle, but it will remain steady. For me, it’s a final nod of respect to the old architecture of capitalism.

Gold: The Ancient Safe Haven

Fifteen kilograms of gold equals 5 million RMB. For thousands of years, gold has served as humanity’s fallback in times of crisis.

But in a world of smart capital and programmable money, gold feels increasingly outdated. It doesn’t yield, it doesn’t move easily, and it doesn’t adapt. Unless war breaks out, gold is more like a zero-interest stablecoin than a growth asset.

Moutai: The Fading Symbol of Power

Moutai stock, also worth 5 million RMB, was once a unique “social currency” in China—symbolizing prestige, influence, and relationships.

But its anchor is loosening. Young people drink less, anti-corruption campaigns continue, the economy slows, and cultural shifts deepen. Over the next five years, Moutai may lose its legendary aura.

LV Handbags: Symbols Rather Than Wealth

With 5 million RMB, you could buy 250 classic LV bags. But these are not investments. They depreciate quickly, they’re illiquid, and they’re vulnerable to shifting tastes.

They carry emotional weight, but they do not build financial wealth.

Tier-1 Apartments: The End of an Old Story

Buying a small apartment in 2020 made sense—you were in tune with the story of that era. But buying one in 2025 means clinging to the past.

Demographics are declining, policies are shifting, and ownership costs are climbing. True purchasing power is leaving Tier-1 cities, not entering. These properties may well become the silent losers of China’s asset mix.

Reflections

At its core, this isn’t a question about how to spend 5 million RMB. It’s about belief.

Do you trust fiat money, or open finance? Do you bet on the durability of old power structures, or the rise of digital assets? Do you anchor yourself in land and symbols, or in cross-border capital and digital protocols?

I rank Bitcoin first because it represents freedom and consensus beyond sovereignty. I place small apartments last because they mark the sunset of an old era.

In the end, we are not choosing assets—we are choosing our vision of the future. And those who survive the bubbles and are still standing after 2030 will be the true winners.

So, if you had 5 million RMB, how would you choose?