中文：

随着经济的发展和人民收入的提高，越来越多的人开始将手中的余钱进行投资。然而，投资并不是一件简单的事情，需要做好充分的准备和计划。那么，对于只有10万元的人来说，投资什么比较好呢？

首先，可以考虑投资股票。虽然股票市场风险较高，但只要做好研究和分析，还是有可能获得不错的收益的。建议选择一些稳健的蓝筹股，或者一些具有成长性的小型企业股票。

其次，可以考虑投资基金。基金是由专业的基金经理进行投资管理的，相对于个人投资来说更加专业和安全。建议选择一些业绩稳定、管理规范的基金，或者一些专门投资于某个领域的主题基金。

此外，还可以考虑投资房地产。房地产是一种相对稳定的投资方式，可以获得长期的收益。建议选择一些有发展潜力的城市或地区的房产，或者一些房地产投资信托基金。

总之，对于只有10万元的人来说，要想做好投资，需要做好充分的市场调研和风险评估，并根据自身的风险承受能力和投资目标来选择合适的投资方式。

英文：

With the development of the economy and the improvement of people's income, more and more people are starting to invest the spare money in their hands. However, investing is not a simple matter and requires thorough preparation and planning. So, for someone with only 100,000 yuan, what is a good investment?

First, you can consider investing in stocks. Although the stock market has high risks, as long as you do research and analysis well, you may still obtain good returns. It is recommended to choose some stable blue chips, or some small enterprises with growth potential.

Second, you can consider investing in funds. Funds are invested and managed by professional fund managers, which is more professional and safe than personal investment. It is recommended to choose some stable performance and well-managed funds, or some theme funds that invest specifically in a certain field.

In addition, you can also consider investing in real estate. Real estate is a relatively stable investment method that can obtain long-term returns. It is recommended to choose some real estate in cities or regions with development potential, or some real estate investment trust funds.

In general, for someone with only 100,000 yuan, to do well in investing, you need to do thorough market research and risk assessment, and choose the appropriate investment method according to your own risk tolerance and investment goals.