My Fintech Empire

Mr. Liu was very confused. He just told his wife, how did this stranger know?

He was also secretly wondering where the other party came from. Could it be that his personal private information was leaked? Or does this person have his own internal connections at the bank? All have certain possibilities.

The strange man looked careless and seemed unwilling to say more about this matter. Mr. Liu also noticed it, so he chose not to dwell on this matter. His wife sat aside and remained silent.

After a while, the strange man smiled and said: "First of all, congratulations to Mr. Liu for winning the lottery. To be honest, our industry's view of this financial product is that you can make sure you make money without losing money. Needless to say, Fang Hong's ability to make money, this financial product With him on the side, it’s hard to lose money.”

Mr. Liu also listened and echoed. After chatting for a few words, the strange man finally revealed the reason for his visit: "I'll get straight to the point. Our company hopes to reach a cooperation with Mr. Liu."

Hearing this, Mr. Liu stretched out his hand and said, "Please tell me."

After looking around the room for a moment, the strange man looked back at Mr. Liu and said with a smile: "I guess after Mr. Liu purchased the first phase of the wealth management product of the wealth fund, he may not have extra funds to improve his life in a short period of time, such as changing to a more comfortable house. Improve the living environment, give your children better educational support, etc.”

Mr. Liu nodded calmly and said, "Indeed."

The strange man then asked: "Then has Mr. Liu considered solving these problems as soon as possible?"

Mr. Liu smiled helplessly and replied: "You have to have money, right? You just said it, and it is indeed right. We don't have extra funds to make these life improvements now. We can only hope that this financial product will be available in a few years." Let’s talk about it after we make money.”

The strange man immediately said: "This is the main purpose of my unpretentious visit. I can help Mr. Liu get a cash flow as soon as possible to improve your life."

Mr. Liu's wife next to him said something: "Is there such a good thing?"

Mr. Liu said calmly: "Please tell me."

So, the strange man said in an orderly manner: "Mr. Liu, the cooperation I am talking about is that you can sell the income rights of the first phase of the wealth management product you won the lottery to our company for the next ten years for a price of 2 million. As long as you agree, We can remit the 2 million cash to your designated account in as little as one week or as little as ten working days."

After hearing this, before Mr. Liu could speak, his wife immediately said: "The expected ten-year income of this financial product is 3.04 million. If you offer a price of 2 million, you will make a net profit of 1.04 million as soon as it is sold. This is It’s too much.”

The strange man said quickly: "Mrs. Liu, you can't say that, let alone settle the accounts like this. Yes, that's right, our company will make a net profit of 1 million yuan, but have you ever thought about it, after my company takes over? Bearing all the potential risks in the next ten years, this is not a rigid payment of capital and profit after all.”

"You have made over 1 million less, but at the same time all the risks have been passed on, as well as the currency inflation in the next ten years. If you include the currency depreciation at the inflation level in the next ten years, our company will definitely not earn one million. The maximum is five to six hundred thousand, is that true?"

Immediately afterwards, the strange man said: "Besides, not only have you passed on the risk, but you can also enjoy a high-quality life ten years in advance. With these two million, you can buy a house in full right away, which is more than enough. You no longer need to live in such a shabby apartment, but you can also buy a new car and enjoy a high-quality life ten years in advance. This cannot be simply measured by money. How many decades are there in life? Is this true? Then retreat To put it more seriously, your children are growing up day by day and waiting for no one. At this time, we should give him better educational conditions..."

The strange man kept talking, and Mr. Liu's wife was silent for a while. She thought about it and found that what he said was not unreasonable.

What do you want to earn so much money for? Aren’t you looking for a better life?

There are indeed only a few decades in life, and children do grow up day by day. Children’s education cannot wait.

Just spending a million or so can get these, it's not a loss if you think about it.

Obviously, Mr. Liu’s wife did not calculate this account clearly. On the surface, it seems that the other party only took the risk for ten years and made a price difference of about 1 million, but in fact it was much more than that. Mr. Liu’s wife ignored an important point: compound interest.

With a compound interest of three million, if the income rights in the next ten years are bought at a price of 2 million, the net profit will be 1.04 million in the first ten years without taking into account inflation. The real huge profits will be after ten years.

What about the second decade? With an annual return of 3 million yuan of 15 percentage points, the compound interest over ten years would be 12.1367 million yuan.

After Mr. Liu and his wife sold the future income rights in the first ten years, they would still pay rolling compound interest on the principal of 1 million in the second ten years. The total amount is about 4 million, which is only one-third of the other party's, and they still have to pay the bank. After paying interest for ten years, he will earn more than three million yuan.

If he hadn't seen the profit expectations after the second decade, how could this strange man have given such good conditions? In fact, he was just a financial broker, helping another financial owner to connect, and this financial owner It is impossible to really wait twenty years later. As long as I get the beneficial rights for the next ten years, I will package it twice and find a new buyer to take over. I will cash out the less money as soon as possible and exit early. As for whether the next buyer will find a new buyer. Next home, that is not something he should care about.

Mr. Liu’s wife didn’t realize the point of compound interest for a while, but Mr. Liu himself did, but he seemed very calm at the moment. He didn’t tell the truth after seeing through it. Instead, he smiled and said: “Didn’t you say before that this financial product is Is it guaranteed to make a profit without losing any money?”

Hearing this, the strange man said with his hand: "That's what I said, but as you know, Mr. Liu, it is written in black and white on this financial product that it is not principal guaranteed, which is different from the rigid redemption of bank deposits. As the saying goes, God has everything." Unforeseen circumstances, it is impossible to predict what will happen tomorrow, let alone ten years from now? What if you don’t make money? What if you lose money? These risks have been passed on to our company, and you are guaranteed to make steady profits for at least the first ten years. 2 million, you have a strong sense of whether the risks and benefits of this transaction are fair, right?"

Mr. Liu nodded: "Indeed."

Hearing this, the strange man looked at him and couldn't help but said: "Then what is your intention...?"

After Mr. Liu lowered his head and thought for a moment, he turned to look at the strange man: "Let's see, Mr. Li, what happened suddenly is that my wife and I put it all together. For a successful person like you, it may not be a big deal, it's just a joke business. But for ordinary people like us, it is not an exaggeration to say that it is a big deal. Give me three days to think about it. After three days, I will give you an accurate answer no matter what, how about it?"

In fact, Mr. Liu had already made a decision in his mind at this moment, but he still had to wait three days for a reply.

When the strange man heard what he said, it was natural that he had to answer now. So he stood up and said with a smile: "I understand, it should be so. Then I will wait for your news in three days. I won't bother you anymore." .”

Mr. Liu stood up to see the strange man out, and pointed to the business card in his hand and said, "That's the contact information above, right?"

The strange man nodded: "Yes, that's my phone number. You can call me at any time."

The two exchanged a few polite words, and the strange man left. Mr. Liu closed the door and returned to the house. His wife immediately asked, "What do you think of this?"

Mr. Liu sat down and said without hesitation: "Sell it to him."

...(End of chapter)