<prompt> Human: Backstory:Chinese PIL live in china, both with fairly stable jobs but will be heading to retirement soon incl govt pension.No debts and own house. So far they have just been keeping their savings in high interest savings accounts but it seems like a wasted opportunity.Their daughter lives in Australia with me but I dont think plans to move here are on the table language problems.Any advice?  <response>: Sounds like theyre doing everything right. Might ask them if they have advice for you. 