The birth of the Hong Kong Island family

Time flies and it’s mid-August (1986) in a blink of an eye.

Lin Zhichao was lying on the deck chair of the super yacht, looking aimlessly. It seemed that he was truly on vacation and had no career in his heart. This is very consistent with his current state of life, which is to make money while having fun.

"Honey, how about I give you another super yacht? This 'Rising Sun' is a bit old!" Audrey Hepburn stepped forward and said.

Hearing this, Lin Zhichao was in a good mood and stretched his hand to her inner thigh, feeling her still young body. Although this woman is 57 years old, her body is maintained like that of a thirty-five-six-year-old woman, and she is considered a mature woman. She was troubled by illness in her previous life, so when she was thirty-five, she looked like she was in her forties.

Of course, Lin Zhichao is a man who values ​​love and justice, so in addition to finding a young man, he also has to deal with the relationship with these women.

"How about it?"

Audrey Hepburn further presented her treasures. She was seen lying down on her waist, and her plump figure was clearly visible.

At this time, several women gathered around, three real people, three lovers, Li Jiaxin was not included in this team, after all, the PUA was not enough.

It is very easy for a rich man to sleep with a beautiful woman; but to want a beautiful woman to be devoted and absolutely loyal requires PUA. After all, a woman’s heart is as deep as the bottom of her heart.

At this time, these six women can be described as three levels: mature women, young women, and young girls, which are enough to meet Lin Zhichao's physical needs.

"I know you are rich, but even if you put aside those businesses and family offices, you are not enough in front of me!" Lin Zhichao said leisurely.

The business is considered to be for his son, and the family office is shared by family members, but Victoria Harbor Investment is Lin Zhichao’s personal investment.

The six women became concerned, especially Tang Caiyun, Xu Caiying, and Audrey Hepburn. They had always known that Lin Zhichao's Victoria Harbor investment had a lot of private investment, but they did not know the specific number. Today, Audrey Hepburn's net worth is still between five and six billion US dollars (calculated based on the shareholding of listed companies), which is actually not as much as the wealth of Victoria Harbor Investment.

Lin Zhichao glanced at the six women and immediately smiled and said: "Stop asking, on the day I die, there will be a lawyer and accountant who will give this money to future generations."

Tang Caiyun said quickly: "I didn't ask. If you say something unlucky, just live in this body. Not to mention that we can't survive you, but how many of your children can survive!"

The other five women nodded. They followed Lin Zhichao and vaguely knew the secret of this man's body. Let me ask you, as a 58-year-old man, he can still be crazy sometimes, and he is not an ordinary human being at all.

Lin Zhichao said: "Let's not talk about this customized super yacht. I'm really excited. I'll ask someone from the family office to give me a plan later!"

His Rising Sun superyacht is not a composite superyacht, that is, it does not have multiple decks. Nowadays, technology has been advancing rapidly, and the concept of superyacht has been defined (more than 24 meters). More importantly, it has multiple decks to increase the usable area. American media tycoon Malcolm Forbes commissioned Feadship to build a 164-foot (50-meter) superyacht with multiple decks, which was highly publicized by the media.

Audrey Hepburn said: "Yes, you like to rest on the yacht, so naturally it makes sense to change to a better one!"

Everyone knows that Lin Zhichao likes to rest on yachts. In addition to his love for the sea, it is also inconvenient to accompany other women shopping in Hong Kong, especially his new lovers. Lin Zhichao does not accompany them shopping in Hong Kong, but overseas. no problem.

Later, Tang Caiyun asked: "I heard that the three of them have made a lot of money in foreign exchange recently?"

As the patriarch of these women, she has nothing bad to say, and the three lovers will not hide anything from her, they are all trying to please each other first. Even if it was such a relatively private issue, as long as Tang Caiyun was concerned about it, a woman would tell her.

Of course, Lin Zhichao also said that except for businesses and family offices, everything else is wealth that he can use at will.

"They each earned HK$500 million. They are now worth HK$1 billion!"

Tang Caiyun, Xu Caiying, and Audrey Hepburn were surprised. This was making money too fast. However, they soon understood that if the three lovers made so much money in foreign exchange, then their husband's private investment company would probably make even more. . The wealth invested by Victoria Harbor may reach tens of billions of dollars. After all, they knew it was expensive when they were speculating in gold.

In fact, they would not have thought that Victoria Harbor Investment is now worth more than 20 billion US dollars.

Now that this topic has been brought up, Lin Zhichao added: "They entered the market with a margin of 100 million Hong Kong dollars on the U.S. dollar against the Japanese yen, and made a profit of 500 million Hong Kong dollars. Now I asked them to buy Japanese stocks with their funds, and in three days It will be more than one billion Hong Kong dollars in four years. Coupled with local investment, the wealth value can reach more than 2 billion in the 1990s."

His words were immediately surprising, because there is no need to consider risks when investing?

Tang Caiyun asked: "Why are you so confident?"

She knew that her husband was the god of management and that he might be very talented in finance, but she didn't know that he could reach the point of becoming a god.

Lin Zhichao said with a smile: "It's very simple. Now that the Bank of Japan has accumulated a large amount of wealth from various countries, the bank will set the interest rate very low to encourage everyone to invest. In this way, a large amount of money will be piled up in real estate and the stock market, and it will not rise even by two cents." It would be weird to have three movies. Of course, this is a process of bubble formation. Smart people must learn to talk a little before talking. Remember, don’t tell anyone this. I have already revealed a lot of secrets today!" He finally opened the door Start joking.

In fact, even if Lin Zhichao makes a public appeal, not many people may follow suit. It's like the country telling you not to speculate in stocks, but a few people listened. Back then, HSBC Sandus and Cheung Kong Lam publicly called for risks in the Hong Kong stock market, but everyone listened for a day and then forgot about it.

In short, most investors believe in their own opinions!

This time, Lin Zhichao, his company, and his lover made huge profits by speculating on foreign exchange between the US dollar and the Japanese yen.

First of all, Victoria Harbor investment made a profit of US$2.5 billion, of which US$2 billion was foreign exchange and US$500 million was profit from currency exchange.

Secondly, Hang Lung Bank and Overseas Trust each made a profit of HK$1 billion, with half of the profits from foreign exchange and currency exchange.

In the end, the three lovers each made a profit of HK$500 million.

It is so easy to make money, especially when grasping the historical trend, it is basically incomprehensible!

Of course, apart from familiar stocks, Lin Zhichao’s financial investments would only choose to invest in other highly leveraged investments before he knew about the ‘black swan incident’.

Currently, Lin Zhichao divides financial investment into two parts:

Part: It is family office investment, generally focusing on recently listed high-quality US stocks and a small number of British stocks. For example, when Microsoft was listed in March this year, Lin Zhichao's family office intervened. When it was listed, the market value was less than 200 million US dollars, but now it has increased nearly four times. According to history, it seems to have increased six times this year.

One part is Victoria Harbor Investment, which generally focuses on established ‘blue chip stocks’ and ‘potential stocks’, as well as high-risk financial investments (futures, oil, foreign exchange, etc.).

Of course, whether it is a family office or Victoria Harbor Investment, it will not only invest in financial investment, but also invest in industry; and as wealth grows, more and more industries will be invested.

Lin Zhichao came to the office building in Harbor City, which is the headquarters of the Wharf Group.

The market value of Wharf Group is slightly behind Hutchison Whampoa, but it cannot be denied that it is still among the top ten listed companies in Hong Kong. The main reason for this is that the Wharf Group owns Harbor City and Times Square, especially now that Harbor City has become a major profit maker.

Of course, the Wharf Group also has many other businesses, such as its equity interests in Modern Container Terminals, the Star Ferry, and the Hong Kong Tram Lighting Comprehensive Business.

In the office, Lin Zhichao asked: "Has the foreign exchange position been closed?"

Lin Ruihai said immediately: "The liquidation is completed. The total profit is HK$410 million. The current cash flow of Wharf Group is HK$1 billion."

Wharf Group invests in Times Square. Although construction costs and other expenses require 2 billion Hong Kong dollars, it does not require land fees; construction fees are usually paid in installments, and loans can be obtained, so the pressure is not great at all.

At the same time, the Wharf Group in this life participated in a lot of real estate development and gold speculation in the early stage, so the financial situation has already improved. Compared with his previous life, Wu Guangzhen only reshaped the conservative image of Wharf Group in the 1990s, and the conditions are obviously much better.

Therefore, Lin Zhichao said: "Recently, Lawyer Li from Singapore invited some of our Hong Kong rich people to inspect investments. You will go with us later. The next step for the Wharf Group is to invest in commercial real estate projects in Singapore and even acquire local listed companies. I I support you in making large investments in Singapore, but remember to be decisive and make preparations in advance. Communicate with me more!"

Lin Ruihai was excited, but said calmly: "Okay, I will definitely live up to my father's expectations!"

Now, he can finally show off his skills. Although he has to communicate with his father in advance, as long as there are no obvious mistakes, his father will give him enough freedom to take charge. He knew this very well, because his eldest brother had said that as sons, with their father taking care of them, they would simply eliminate the wrong things.

Lin Zhichao nodded. He gave the media the feeling of being in a semi-retired state at this time, because his four sons, Lin Ruihuan, Lin Ruijiang, Lin Ruihai, and Lin Ruikai, have become the vice chairman and general manager of the group. In the Western world, they are equivalent to The top leader in business management.

In the West, although the chairman is the real leader of the company, in many companies the chairman is actually elected by the board of directors, so the authority may not be higher than that of the president/general manager.

Of course, as long as the chairman holds a large number of shares and is the founder, he is almost the proper 'boss', and the president is just a part-time worker.

In any case, Lin Zhichao's four sons are already in the process of 'taking over' the company, and Lin Zhichao still holds the title of chairman.

If these sons didn't listen to him very much and admired Lin Zhichao, Lin Zhichao wouldn't worry that this handover was too early. After all, his experience was invincible.

This time, Lin Zhichao asked Wharf Group to further invest in Singapore. Of course, his vision has reached 2023 and he knows that Singapore's future prospects are very good. Therefore, the Wharf Group's investment in commercial real estate projects in Singapore is definitely profitable, and Singapore's return on investment in the past few decades has ranked second in the world (18.3%), second only to Hong Kong's 19%.

Cheung Kong Group already has a lot of business in Singapore, including two commercial complexes (Raffles City Plaza and Pacific Plaza "under construction"), and will then be handed over to the Wharf Group for investment.

"While investing in Singapore, Wharf Group should also examine the markets of Southeast Asian countries such as Thailand and Malaysia. In the next five to eight years, it can try these countries." Lin Zhichao continued to give guidance.

Lin Ruihai nodded seriously and said, "I will investigate carefully and communicate with my father!"

Lin Zhichao said: "Well, these countries are emerging economies and there will be another real estate wave. According to my analysis, it should be in the last 5 to 8 years."

"OK"

Lin Zhichao is certainly familiar with this wave of history. The Asian financial crisis in Southeast Asian countries was caused by bubbles, wasn't it? Around 1988, the bubble in Southeast Asia began to form, and the bubble grew bigger and bigger. It became prominent after about 1994, and finally burst in 1997.

Therefore, investing in Southeast Asia in the next five years is obviously a perfect fit.

Of course, in order to be smarter, Lin Zhichao usually lets companies use the land to build the projects (shopping malls, integrated commercial office buildings) in the name of investment; in this way, he can avoid being called a 'speculator'.

During the construction period, it is natural to buy some more properties, so as to avoid the reputation of a 'speculator' and at least keep a low profile.

Of course, commercial projects in Singapore almost always have to be held for a long time. For the Southeast Asian commercial projects that you build yourself, you can sell most of the equity in the later stage and strive to keep the management rights in your hands. If it is not possible, you can sell all the equity.

With Lin Zhichao's plan, I believe that Wharf Group will soon become a large real estate group.

Invest in Southeast Asia first, with the focus on investing in Singapore;

After that, he waited until 1992 and then transferred to the mainland to invest in real estate.

After some operations, the Wharf Group in the future will definitely be much stronger than its previous life.

As for the Cheung Kong Group, although its business is similar to that of the Wharf Group, it controls comprehensive groups - Hutchison and Hong Kong Electric. Moreover, the Cheung Kong Group will invest in Europe and the United States in the future to avoid being in the same area as the Wharf Group - Competition in Southeast Asia.

As for the mainland market, it is too big to allow two companies to invest, not to mention that Cheung Kong Group will invest more comprehensively.