In ancient times, if you deposit money with me, I will help you keep it safe, and you have to pay me for it.
But later, as more and more banks appeared, people started to lend money to those who deposit money. This was because they were using the money saved by others to lend out loans, and the interest was higher.
If you deposit 1 million RMB, I will give you 20,000 RMB interest every year. But if I lend this 1 million RMB, I will get back 40,000 RMB interest every year. The difference of 20,000 RMB is my profit.
Other than the banks, no one needs so much cash. Even the banks will not store so much cash. Most of them are just numbers. If you want a large amount of cash, you can call to make an appointment.
To make a lot of money, you must have a lot of money.
The more you have, the more you can make. If you only have 10 RMB, other than buying lottery tickets, what else can you do to make 1 million RMB in one night?
But if you have 10 million RMB, there are many ways to make 1 million RMB in one night. The financial industry is good at this.
Yi Dong Company might seem to have suffered a significant loss this time. But if they were to refund 18 to 30 months' worth of mobile phone charges and include the price of the mobile phone, they had suffered a significant loss.
But if they included their mobile phone charges and the profits they made in the past one and a half to two and a half years, they had made a profit.
Even if Yi Dong Company had only bought government bonds, there will still be profits. If they had invested in other things like stocks, the profits might be higher!
And this profit was much more than the money they lost. Perhaps it could be understood in another way. This was a form of fundraising.
Master Lu had used this theory to convince his higher-ups to let him do this. No matter if this money is used for investments or for other things, it will not be a loss if he gets it first.
But Master Lu did not intend to use this money as profits. He decided to use this money for investments. This way, he will still make money, and his political achievements will be better.
But Master Lu needs to think carefully about what to invest in. Investing in government bonds was the safest option. Based on the current interest rates, there will be no losses. But the maturity is too long.
Master Lu will not choose to keep his money in the bank, but investing in the stock market is against the rules. The only option left is to invest in funds.
… …
"Master Lu, are you sure you want to invest in my company's funds?" Feng Yu asked Master Lu. But he did not expect Master Lu to look for him again.
"Of course, your company has two consulting companies. The return on investment is obvious to all. The higher-ups might not agree to let your company invest this money. But it is not a problem for me to invest in your company's funds. "Master Lu replied.
He had discussed with his family and his subordinates for a long time, and this was the safest method. Also, the Lu family felt that Feng Yu was investing in Master Lu's political career and will not cheat him.
With Feng Yu's reputation, no one will object to him investing in his companies. Many people wanted to invest but couldn't.
"So, which fund do you want to invest? "Master, I don't know." The company has its own funds, and it's fine for Yi Dong to invest. Furthermore, Feng Yu's consulting firm can also make more profits.
Master. Lu Master Lu he Master, "There are different."
Feng Yu was speechless. You don't even know what a fund is, and you want to invest in it? People like you are the ones who lose the most in investments!
"Anyway, this is a fund in the form of a contract. We'll sign a contract, and you'll give the money to our company. Then, we'll give you a certificate of benefit. You can use this certificate to exchange for money in the future."
"You are the investors, and we are the managers. The custodian between us is Minsheng Bank. Forget it, you wouldn't understand even if I told you. "
"Let's do it this way. We have also divided this fund into stock funds, bond funds, currency funds, and futures funds. Among them, I recommended you to buy the stock fund and the futures fund. They are also the main products of my company and have higher returns. The other two don't have a large circulation, and their profits are average. "
Stocks and futures are also the main investment directions of Feng Yu's two consulting companies. In Feng Yu's previous life, Feng Yu did not come into contact with bonds. Although he can invest in bonds, he does not have many advantages. There was a manager in charge of the company, but it was a pity that they did not earn much.
He needed to keep an eye on the currency, because most currencies' exchange rates wouldn't fluctuate too much, unless a big shot made a move, like Soros's team.
But with the current situation, no matter if it is stocks or futures, Soros can make money. Investing in the long term and does not need to worry about a small drop.
"That stock fund only invests in stocks, and the futures fund only invests in futures, right?" Master Lu asked.
"As the name suggests, that's it."
"Can't we have that kind of hybrid fund? You all can decide which funds to invest and give us the highest returns? "
Feng Yu rolled his eyes. "Stop dreaming! My company has so many professional brokers and people who collect information, and they are all working for nothing? You are making all the money? "
"No. Don't you all also get commission? Isn't your commission the highest in the industry?" Master Lu replied. "I know everything. You can't lie to me."
It was the most troublesome to explain to people who thought they knew everything because they didn't know much about it.
Feng Yu decided to give a simple explanation. "We do not have the type of funds you mentioned, but we can invest directly. Let us entrust your cash account to you and let us invest on our own. We will calculate the returns at the end of the year, and we will charge 30% of the profits as commission. If there are any losses, we will compensate you for your losses. "
"Wait. Why are you saying there are losses? I thought your company had never suffered losses? I need to make money from my investments, and you are giving me my capital? I might as well save my money in the bank! "Master Lu replied anxiously.
"We had never suffered losses. It is just a representation of the past. Actually, one of our brokers made a mistake and helped a client to buy junk bonds. In the end, he suffered losses, and the company had used money to make up for his losses. The client had gotten back his capital, but our company's other investments had a return of more than 30%. That client had lost at least 30%! "
"You better invest in those funds with guaranteed returns. Our fund has a guaranteed return of 5 years, and it is a closed-end fund. You can exchange your funds after one year, and you can also trade your funds in the market."
"Last year, our closed-end fund's lowest return was 17%, and the highest was 108%. The average return was 36.3%, and it is more than double the industry's average return. This year, the market will be better, and the returns might be higher. "
This year, the global economy had become better, and the financial market was also doing well. The stock market had entered a bull market, and investments will surely be profitable.
The lowest return will be 17%? Master Lu had forgotten that the guaranteed return is based on the bank's 5 years interest. If the returns are more than 100%, it will be profitable!
This way, he will get more credit!
… …
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