In ancient banks, if you deposit money with me, I will keep it for you, and you will have to pay me a storage fee.
But later, as the number of banks increased, people began to give money to people who deposited money, because they used the money deposited by others to lend money and charged higher interest rates.
If you save one million yuan, I will give you 20,000 yuan in interest every year. But if I lend the one million yuan, I can get back 40,000 yuan in interest every year. The difference of 20,000 yuan is what I earn.
Who needs so much cash reserves except banks? Even banks don't store that much. Most of them are just numbers. If you want a lot of cash, you can make an appointment by phone first.
If you want to make a lot of money, you must first have a lot of money.
The bigger the base, the more you can earn. You only have ten dollars in capital. How can you make a million legally in one night except buying lottery tickets
But if you have 10 million, there are many ways to make one million overnight, and the financial industry is especially good at this.
Yidong Company seems to have lost a lot this time, at least based on this calculation, if the phone bills for eighteen to thirty months are returned, plus the price of the mobile phone, they will lose a lot.
But if you include the profits they can make from their one and a half to two and a half year investment of their pre-deposited phone bills, then it’s not a loss, but a profit.
Even if Yidong Company only buys very safe treasury bonds, it is guaranteed to make profits. If it invests in other things, such as stocks, the profits may be even higher!
And this part of the profit is much more than the money lost. Perhaps we can understand it in another way, this is a kind of fund-raising.
Mr. Lu also relied on this theory to convince the leaders above him to agree to do this. Whether the money is used for investment or for other purposes, if you get it first, you will never lose money.
However, Mr. Lu had no intention of directly counting the money as profits and turning it over. He decided that the money would be used for investment, so that he would make money on the books, and his political achievements would be even more beautiful.
It’s just that you need to think carefully about what you want to invest in. Investing in treasury bonds is the most stable. According to the current treasury bond interest rate, it is enough to guarantee that you will not lose money, but the term is too long.
Bank deposits are definitely not an option, but investing in the stock market doesn't seem to be in compliance with the rules, so the only option left is funds.
…
"Master Lu, are you sure you want to buy the fund issued by our company?" Feng Yu paid attention to Master Lu, but he didn't expect that Master Lu would find him again.
"Of course, the return on investment of the two consulting companies under your company is obvious to all. If this money is put into your company for you to invest, the superiors may not agree. But there is absolutely no problem in buying funds issued by your company. ." Mr. Lu said seriously.
He had studied with his subordinates and his family for a long time, and this was the safest way. Moreover, the Lu family also believes that Feng Yu is making political investment in Mr. Lu, so they will not cheat him.
With Feng Yu's name, no one would object to investing in the companies he controls. Many people want to invest, but they still can’t.
"So which fund do you want to buy? We can only issue contract funds." The company already has funds, so it's okay to let Yidong invest, not to mention that Feng Yu's consulting company can also make more money.
Mr. Lu looked confused: "Are there many forms of funds?"
Feng Yu was a little helpless. You probably don't even know what a fund is, so you are clamoring to invest? The people who lose the most in investing are usually people like you!
"Anyway, this is a fund in the form of a contract. We sign a contract, you give the money to our company, and then we will issue you a benefit certificate. You can use this certificate to exchange money with us in the future."
"You are the investors, we are the managers, and the custodian institution that provides guarantee between us is Minsheng Bank. Forget it, you don't understand even if I tell you this."
"Well, our fund is also subdivided, including stock funds, bond funds, currency funds and futures funds. Among them, stock funds and futures funds are what I recommend you to buy. They are also mainly issued by our company, and the income is relatively high. High. The other two types of issuances are not large and their returns are average.”
Stocks and futures are also the main investment directions of Feng Yu's two consulting companies. In his previous life, Feng Yu had little contact with bonds. Although he could do it, he lacked many advantages. The company is controlled by agents, but unfortunately they don't make much money.
You need to keep an eye on currency, because the exchange rates of most currencies will not fluctuate much now, unless there are predators, such as the original Soros team.
And with the current situation, whether it is stocks or futures, you are guaranteed to make money. When investing in the long term, you don’t need to be frightened by a small drop. It’s easy and safe.
"The stock fund only invests in stocks, and the futures fund only invests in futures, right?" Mr. Lu asked in detail.
"As the name suggests, that's what it is."
"Can't we have that kind of mixture? You look at the investment and then give us the higher one?"
Feng Yu rolled his eyes: "What a beautiful idea you have! With so many professional agents in our company and so many people who specialize in collecting information, they all work in vain and all the money is made by you, right?"
"No, don't you also have commissions? Aren't your commissions the best in the industry?" Mr. Lu said, "I understand, you can't fool me."
It is the most troublesome to explain to people who have only a little knowledge and think they know everything.
Feng Yu decided to give the simplest explanation: "We don't have the kind of fund you mentioned, but we can invest directly. Trust your cash account to us and let us invest independently. Then at the end of the year, we will charge a percentage based on the income calculation." Thirty percent of the profit will be used as commission. If you lose, we will be responsible for compensating your capital."
"No, why is there still a saying that it is losing money? Doesn't your company never lose money? I want to make money when investing. If you give me a capital later, then I might as well deposit it in the bank!" Mr. Lu was anxious.
"It's never a loss, it just represents the past. In fact, a broker in my company made a trading mistake and helped a client buy junk bonds. In the end, he lost a sum. The company used money to make up for it. The client took the principal. We went back, but the annual returns on our company’s other investments that year were all over 30%. Calculating this, the client lost at least 30%!”
"You should buy a fund that guarantees a minimum return. The fund we launch has a guaranteed minimum interest rate based on five-year regular interest, and it is a closed fund. It can be exchanged after one year and can be traded directly in the market."
"Last year, the lowest return of our closed-end funds was 17%, and the highest return was 108%, with an average of 36.3%, which was more than double the average of our peers. This year If the market is better, the income may be even greater.”
This year, the global economic situation has generally improved, and the financial market is even more so. The stock market is ushering in a bull market, and investment will definitely make money.
Is there a minimum profit of 17%? Mr. Lu has automatically ignored the statement that the minimum guarantee is measured according to the bank's five-year regular interest rate. If it can earn more than 100%, it will be a huge profit!
In this way, his political achievements will be even stronger!
… (To be continued.)