My Fintech Empire

When his wife heard this unhesitating decision, she was stunned for a moment. When she came back to her senses, she looked at him with surprise on her face: "Are you really going to sell it to him?"

At this time, Mr. Liu looked at his wife and said: "I can't sell it. Don't look at this guy's politeness. He is not someone we can mess with with no background. I won the lottery and no one else can do it except you." Say, how did he know? And he knew it so quickly. I just learned from the bank a few hours ago, and he came to the door in person so quickly. Have you ever thought about the problems in this? "

His wife said unconcernedly: "He claims to be in the financial industry. Maybe he has internal connections in the bank. But even if he has connections, can he forcefully buy it if I don't sell it?"

Seeing his wife's thoughts, Mr. Liu looked straight at her and said: "You, you are too simple-minded. Have you ever heard of such a sentence? Seeing a three-year-old child holding gold bricks in the busy city, everyone in the world is a devil; The smiling Maitreya stands next to the Dharma Protector Skanda, and all the demons are saints. Have you ever heard of another saying? A man is not guilty, but he is guilty of having a treasure in his possession?"

Mr. Liu paused for a moment and then continued: "Our diligence now is like the three-year-old child holding the gold brick in the busy city, that is, the man holding the jade. The man named Li knew it as soon as I got the news, and he knew it so quickly. Come to our home, this matter will make people panic if you think about it. We have no background and no power, he said angrily this time, but if you don't agree, you can't guarantee what he will do in the future. If the interests are too great, it will drive people to take risks."

As he spoke, Mr. Liu thoughtfully added: "For example, if we don't agree, he may secretly cause man-made disasters, such as car accidents or other things, such as attacking you and me, or our children, or our father." If Mom takes action, it will cause consequences to our family. It will cost a lot of money and it is extremely urgent. What can I do then?"

"If something like that really happens, I can only beg him, and I have to beg him. At that time, he will raise the price, and it will not be as simple as selling for 2 million. Maybe everything will have to be packaged and transferred to him. . A sudden wealth has become a disaster for the whole family. I dare not bet on it, so I must agree."

His wife was also surprised when she heard these words, and couldn't help but said: "No way? What you said is too scary. How dare they be so lawless in today's society? Aren't they afraid of being severely punished by the law?"

Mr. Liu sighed: "Alas~, the law can only control good people who abide by the rules, but it cannot control the evil people who do not abide by the rules. Teacher Ma said it well, when the profit reaches 10%, they will be ready to take action; when the profit reaches 10%, they will be ready to take action. When the profit reaches 50%, they will take desperate risks; when the profit reaches 100%, they dare to trample all laws in the world; when the profit reaches 300%, they dare to risk hanging."

Mr. Liu turned to stare at his wife and said firmly: "In the long run, the profit of this financial product will be more than three times? We are ordinary people with no background and no power. I dare not risk the whole family to bet on that person or The character of the person behind that person.”

"Blessings and misfortunes, I can't let a sudden wealth turn into a disaster for the whole family. I also know that I have little moral character, talents and ambitions. I just want to live a well-off life with you and the whole family in a healthy and safe way." That's enough, but my greatest advantage is that I am self-aware, so I must not be too greedy and give up most of the benefits. The rest is enough for our family to live a good life."

In the end, Mr. Liu said: "When good luck comes, we need to be clear-headed. Let's think of it as losing money to ensure safety. We don't want to be the three-year-old children who embrace gold bricks and go to the busy city, so we don't have to worry."

After her wife heard these words, she thought about it and looked at Mr. Liu: "If you say sell, then buy it. You make the decision on major family matters, and I will listen to you."

Mr. Liu smiled and said: "Next week we will go to a few real estate properties to see if there is any house we like."

…

A situation like Mr. Liu's is happening to varying degrees across the country at this moment. Capital brokers active in various places have come to visit one after another. Some people have chosen the same decision as Mr. Liu and agreed to sell a sum of money in the future. Some people choose to refuse the right to benefit, preferring to suffer for a few more years.

Some financial brokers come to discuss cooperation and are rejected, so they choose to give up and look for another opportunity, while others are unwilling to give up this huge benefit, and even become cowardly before they achieve their goals.

When all these living beings face the same thing, everyone is making their own choices, and they are all different, and their choices will bring corresponding results. The results may be blessings or disasters. Blessings and misfortunes are your own choices.

…

During the next two days of weekends, the hottest topic on the domestic Internet is wealth funds.

People who won or did not win the lottery have been informed one after another in the past two days. Those who won the lottery were naturally ecstatic, while those who did not win the lottery lamented their bad luck.

At around 10 a.m. on the weekend, the Wealth Fund announced the statistical results of the lottery data. The lottery process was centralized and unified at the Wealth Fund headquarters, so the results were released very quickly.

According to data, the final lottery result for the first phase of raising 2 trillion yuan was that 3.5983 million family units won the lottery. The actual winning probability was 43.45%. On average, each family invested 555,800 yuan to purchase the first phase of financial products.

Judging from the final data results, the vast majority of families have not reached the 1 million yuan quota. Obviously, the majority of households like Mr. Liu who directly borrowed Solo to reach the 1 million yuan quota are not the majority.

Mr. Liu himself has 320,000 yuan, and he took out a loan of 680,000 yuan, which is equivalent to giving himself twice the extra funds he just had. This requires a lot of courage for an ordinary person.

The final data is actually quite normal, because the wealth management product of the wealth fund is targeted at the middle and lower classes.

This group has two characteristics: one is that the family is not wealthy enough, and generally a cash flow of more than 100,000 or 200,000 yuan that can be immediately used for investment and financial management is pretty good; the other characteristic is that the family is not wealthy enough and cannot afford to lose. The fault tolerance rate is low, so it is more risk-averse and the strategy adopted is more conservative.

There are not many people like Mr. Liu who dare to double the leverage and raise 1 million yuan decisively. Moreover, most families have to leave some money for themselves no matter how hard they are to deal with unexpected emergencies. If they can spend one or two hundred thousand yuan, It's already the limit.

Under this situation, each family invested an average of 555,800 yuan to purchase this financial product, which illustrates a problem. Everyone has increased leverage to varying degrees, but they have not doubled it like Mr. Liu.

As for investors' leverage, wealth funds have internal data, but they do not publish it to the public.

Its internal data shows that the overall leverage ratio of the 3.59 million families who purchased the first phase of financial products ranges from 0.96 times to 1.05 times.

...(End of chapter)