Chapter 184: Husband and wife are united and invincible!
“I’m out of inspiration, let me add some more.”
“…”
“Okay?!”
“ A little hungry again.”
"..."
"Not enough? You're not afraid to hold on!"
"Haha, just a little cushion."
"→_→"< br>
Seeing that Li Baobao has a tendency to get angry again,
Qin Han immediately accepted it and continued with a smile: "There must be basic standards. First, you must be rich. Second, you must be powerful."
"What about the third one?"< br>
“There is no third.”
“That’s it? Just these two points??”
“Yes, just these two points.”
Qin Han nodded and said calmly: "One of these two points is enough. If you have both, it would be better."
Li Baobao thought for a while and asked again: "Then what is considered rich? What does it mean to be powerful? ”
"This..."
Qin Han explained: "If you are rich, at least the assets must be more than 10 billion, anything less than 10 billion will not be qualified."
"..."
Li Baobao's face suddenly darkened, and he said sternly: "According to the standards you set, I'm not even qualified to get started?"
"As long as you understand."
Qin Han laughed. said: "So you You have to follow Brother Qin's footsteps and let you become a billionaire in the future."
"Bang~"
Li Baobao curled his lips, "Then what does it mean to be powerful? Right? ~”
"It's not bad."
Qin Han smiled and said: "Those who can be called local snakes are almost qualified. The specific situation will depend on the specific situation. Now am I clear enough? ”
“Then what you said What about high return income? "
"Hmm..."
Qin Han thought for a moment and looked down at Li Baobao in his arms, "What do you think of 20%? Like? ”
"Ah? How much did you say????"
Li Baobao was shocked, her beautiful eyes widened, and she looked at him with disbelief, "How is this possible at 20%? What kind of financial product do you have? Can such a high income be achieved? What if it is not achieved? "
"Is this very high? ?”
“Isn’t that high?”
Li Baobao frowned and said, “You can open the payment shell now and see what the profit rate is. There is no more than 5%, and you still have 20%... This is ridiculous!”
"That's why it's called an SSVIP product, that's why there's a threshold, that's why it's not for sale!"
Qin Han said with a smile: "Let me ask you, regarding the A-share trend I will analyze for you this time, Section market, how much have you earned so far?
And what was your rate of return last time on futures?”
Li Baobao blinked, “This...this...is a big chance, it can’t happen again. You read it accurately every time, right?”
“Haha.”
Qin Han reached out and lifted Li Baobao's chin, and smiled lightly, "Please believe in your vision and your man!"
"Are you praising you or me?"
< br>"Thousand-mile horses often exist, but Bole does not always exist. Of course I am praising you." "
"Humph~~"
Qin Han said with a smile: "Don't worry, since I said so, I must be absolutely sure! The greater the return, the greater the risk, this is an eternal truth!
I will not guarantee anyone a guaranteed profit without losing any money, so even if I lose money, I will lose it.
Not a big problem. "
This is true.
As a financial practitioner, Li Baobao naturally understands this simple truth.
The reason why she is shocked now is because of the high rate of return!
Qin Han smiled and said: "Do you think if there is a 20% rate of return, will everyone flock to it? Can even a billionaire treat it calmly?"
"Absolutely not!"
“So, this is This is a must-have advantage for SSVIP products."
Qin Han looked at the speechless Li Baobao and said leisurely: "It depends on people. Please believe in your man."
This time,
Li Baobao didn't make any more teasing words. She blinked her beautiful eyes and smiled softly: "Okay, then I'll wait and see."
After a pause,
she asked again Said: "What do you plan to do with celebrity financial products? What is the appropriate rate of return?"
"What is the approximate rate of return of the financial products on the market now? Tell me first." Qin Han didn't Answer a rhetorical question.
“The monthly average seven-day annualized return rate of cash management products is 1.78%. This is the data as of September this year.”
"For fixed-income investments, the investment income in the past three months was 0.43%, and the investment income in the past six months was 1.18%."
Li Baobao is a professional. She knows these data by heart and speaks them out.
After a pause,
she continued: "There are also fixed income + equity products. As of November 7, 2024, financial management companies have public offerings with an investment cycle of more than 3 years." Among "fixed income + equity" products, the arithmetic of RMB products in the past 1 year The average net value growth rate and the average maximum drawdown are 3.62% and 0.87%.
For financial management companies with better income performance, such as ABC Financial Management, the arithmetic average net value growth rate of RMB products during this period was 5.88. %;
The arithmetic average net worth growth rate of China Post Financial Management, Shanghai Banking Financial Management and CMB Financial Management in the past year also exceeded 4%. ”
“In addition to these, there are also some equity products. Although the return rate of these products is very high, some annual interest rates can even reach 30%... However, these products have a higher risk level and are more volatile. It is large, has a high threshold, and has little reference value for individuals. "
Qin Han nodded and asked: "What about long-term products? ”
“Most of the long-term financial management products are closed-end net worth public offering financial products. Among the redemption income of the products due in September 2024, the redemption yield (annualized) is the highest 4.77%, which is Su Yin Financial management Hengyuan’s target profit is once every 2 years. "
Li Baobao said: "This is number one on the list and has the highest yield. ”
"It's not very high... Every two years, the annualized rate of return is only 4.77%?" Qin Han raised his eyebrows. This rate of return is really not that good.
“This is already very good.”
Li Baobao explained: “The environment has not been very good in the past three or four years, and fund companies that can achieve this amount of annualized return are already very powerful. !”
“What kind of financial products do the general public prefer?”
“Of course, products with high yields, low thresholds, and flexible deposits and withdrawals!”< br>
"Oh..."
Qin Han thought for a while and said, "Then let's solve the people's pain points. Whatever products they want, we will make them."
Speaking of Here,
Qin Han thought of rice. The reason why this company is welcomed by many people is because of its down-to-earth attitude.
At least on the surface, this is indeed the case.
A netizen posted a simple sketch with random doodles in the comment area, saying that he wanted a washing machine like this that can be washed in separate areas.
Put outer clothing in one hole, socks in another hole, and underwear in the other hole.
Put whatever clothes you need to wash in the hole. If you need to wash both clothes at the same time, put the clothes in the hole.
In this way, you no longer have to wash socks and underwear by hand, and you don’t have to worry about cross-infection when all the clothes are washed together... Da Mi really listened to his advice, and later he actually made a washing machine like this.
Is it true that no washing machine manufacturer has noticed this pain point of users before?
Obviously not.
But no one did it.
The rice is done.
And before his washing machine was officially put on the market, the product had already become popular on the Internet, and a large number of people were ready with their money and waiting to buy it!
It can be seen that
solving people's pain points and making products they want and need is actually a very feasible thing.
“As for the rate of return, let’s set the annual rate of return at 5%.” Qin Han said.
Li Baobao was noncommittal. She had heard of the 20% annualized rate of return before, but what does it mean if the current annualized rate of return reaches 5%?
Only a quarter.
"What about the specific period and the purchase threshold? You can't buy it for just one dollar, right?" Li Baobao asked.
"Of course not."
Qin Han shook his head and said with a smile: "1,000 yuan is a threshold, but it is very low. Who doesn't have 1,000 yuan these days? If even People who don’t have 1,000 yuan don’t need to manage their finances.”
“As for the period, let’s say seven days. You can redeem it every seven days.”
Li Baobao concluded: “So, this celebrity financial product is like this: the minimum investment is one thousand yuan, and it can be redeemed in seven days. Redemption, annualized return of 5% in seven days.”
"That's right, that's right. The summary is very good. You are worthy of being professional."
"ε=(ο｀*)))Oh..."
Li Baobao sighed, his face Showing a hint of worry, "If it is really publicized like this, the annualized rate of return at maturity will not be If it reaches 5%, there will be big trouble!
This already involves false propaganda...
Even if the Financial Supervisory Authority does not deal with us, it will only be the complaints from those peers! Reporting is enough to give us a headache
It can range from fines to fines, to suspension of business for rectification, plus fines! "
"Hey, you reminded me of this. "
Qin Han raised his eyebrows and said with a smile: "At that time, you can add such a clause to the purchase agreement to guarantee a minimum profit. Or this product can be directly converted into fixed income, and the annualized rate of return is 5%.
If it is not reached at the time of redemption, then we will make up for the insufficient gap!
This is a big highlight, remember to focus on it when promoting it! ”
"You still guarantee the bottom line???"
Li Baobao's head suddenly got bigger, "If we do this, it will definitely set off a storm in the market! I can guarantee that everyone who sees this advertisement will feel a little bit confused. Anyone with a smart mind will choose to buy some! In this way, the number of customers and funds involved will reach a terrifying scale... "
"Isn't that better?"
Qin Han laughed and asked: "In this case, wouldn't Vision Trust become an instant success? < br>
Not to mention too much, when Vision Trust develops to a scale of 100 billion, how many of the Zhou family, Zhou Xingwang and Zhou Zijian will be counted?”
"..."
Li'er is this Li'er.
If this low-barrier, ultra-high-yield, short-term flexible product can really be realized, Li Baobao feels that the ‘vision’ can really take off.
The kind that soars into the sky!
Ten billion scale, easily achieved overnight!
A scale of 100 billion is not impossible, or even not difficult!
Nowadays, people are not without money, but they are cautious and smart. They will still invest, but they must invest in products that they think are good.
"As I said before, just believe in your man."
Qin Han said with a smile: "I will show you the direction, and you will be responsible for the execution. We husband and wife are of the same mind, and it is beneficial to Broken gold, invincible, invincible in the world!”
“Bah~~~”
Li Baobao blushed immediately, glared at Qin Han with her beautiful eyes, and said coquettishly: "Who is married to you, talking nonsense, talking nonsense!"
"You."
"I'm not. Are you marrying me? Or am I? Do you have a marriage certificate?”
“Hey.”
Qin Han waved his hand with a smile, “Don’t worry, take your time, there will be bread and milk. There will be, everything will be there.”
Um? ?
Hearing this,
Li Baobao's heart suddenly moved, and a touch of joy surged into his heart.
Is he hinting that he will marry himself in the future and get a marriage certificate from him?
Is this a statement? ? ?
Qin Han didn't think so much. He just said casually that we would talk about the future later. Why did he think so much?
Some things cannot be said now, but can actually be done later.
"I suddenly thought of another loophole!" He said suddenly.
Li Baobao said: "What?"
"We have to add a limit. Each customer has a limit, so we have to set an upper limit. We have all added a guaranteed income. If it is not enough, we will pay compensation. , if the Zhou family is attracted in the future, the old guy Zhou Xingwang will just buy it for several hundred million. Doesn’t this mean that we will work for him and help him make money?”
"Um..."
Li Baobao was startled at first, then nodded: "It is possible. After all, it is written in the agreement that the return rate is less than 5%, so we will make up for the rest. In fact, it will not only attract Zhou Xingwang, but also many other wealthy people, and even companies.
< br>In the current economic environment, the profitability of many companies is very low. Many of them work hard for a year, but in the end they make little profit, and some even suffer losses!”
“Well, Then increase the amount."
Qin Han looked at Li Baobao, "How much do you think is appropriate?"
"One million?"
"It's a bit too little. In Shanghai, the capital, and those demolished households, there are many people with assets far exceeding 1 million."
"How about that? 5 million.”
“ 5 million is okay, so let’s tentatively decide on 5 million. I don’t care about the specific product details and the investment redemption agreement. You are a professional.”
Li Baobao nodded, “Okay, these are all. Easy to handle.”
Qin Han said: "For the SSVIP product, you should also make a draft. I will take a look at it later. I already have a candidate for the first SSVIP quota."
"Lin Haotian?"
" Haha, I knew you could guess it."
"Tch~"
Li Baobao glanced at him with a smile, "You are really good at talking."
"Speaking from the bottom of my heart."
"Only a ghost can believe it."
Li Baobao smiled and said: "By the way, I also have a good candidate."
Qin and Han's eyes In a flash, "Feng Qianhua?"
"Huh? How did you know?" Li Baobao was a little surprised.
Qin Han frowned and said displeased: "Don't underestimate your man's IQ too much."
"Hmph~ Stop putting gold on your face, you are not the one."
" Hey, I'm hungry again, come here and let me have two more bites!"
"No, no, I'm not a mother, what are you eating..."
Li Baobao started to struggle again! stand up.
……
(End of this chapter)