中文：

4万元在当今社会中算是一笔小额资金，但用来投资或创业也未尝不可。那么，4万元能做什么呢？

首先，可以考虑用来购买一些有潜力的股票或基金。通过合理的投资，有可能获得较高的收益。但要注意风险与回报并存，投资需谨慎。

其次，可以用来开一家小店或摊位。例如，在人流量较大的地方开设一家特色小吃店或精品店，提供个性化的服务和产品，吸引顾客的关注和喜爱。

另外，还可以考虑用来购买一些实用的设备和工具，如手工艺品制作工具、维修工具等。通过提供专业的服务或制作独特的产品，也可以获得一定的收益。

除此之外，可以用来参加一些培训课程或学习技能，提升自己的能力和竞争力。例如，学习一门新技术、新语言或新技能，可以增加自己的就业机会和收入水平。

总的来说，4万元虽然不算是一笔大额资金，但只要合理规划和利用，就有可能创造出更多的价值和收益。

英文：40,000 yuan is a small sum of money in today's society, but it can also be used for investment or entrepreneurship. So, what can 40,000 yuan do?

Firstly, it can be considered to buy some promising stocks or funds. Through reasonable investment, it is possible to obtain high returns. However, risks and returns coexist, so investment needs to be cautious.

Secondly, it can be used to open a small shop or stall. For example, open a specialty snack shop or boutique in a busy place, providing personalized services and products to attract customers' attention and love.

In addition, it can also be considered to buy some practical equipment and tools, such as handcrafted crafts production tools, maintenance tools, etc. By providing professional services or producing unique products, it may also obtain certain returns.

In addition, it can be used to participate in some training courses or learn skills to enhance one's ability and competitiveness. For example, learning a new technology, new language or new skill can increase one's employment opportunities and income level.

Overall, although 40,000 yuan is not a large sum of money, if it is reasonably planned and utilized, it is possible to create more value and returns.