Chapter 184 Husband and wife are united and invincible!
Chapter 184 Husband and wife are united and invincible!
"I'm out of inspiration. Let me touch it again to replenish it."
"..."
"Okay?!"
"I'm a little hungry again."
"..."
"Not enough yet? Aren't you afraid of holding on?"
"Haha, I just laid a foundation."
"→_→"
Seeing that Li Baobao was about to lose his temper again,
Qin Han immediately stopped while he was ahead, and continued with a smile: "There are definitely basic standards. First, you must be rich. Second, you must have power."
"What about third?"
"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, that would be even better."
Li Baobao thought for a moment and then asked, "What does it mean to be rich? What does it mean to be powerful?"
"This one……"
Qin Han explained: "If you are rich, at least your assets must be over 10 billion. If it is less than 10 billion, you will not be qualified."
"..."
Li Baobao's face suddenly darkened, and she said coquettishly: "According to the standard you set, I don't even have the qualifications to enter?"
"You just understand."
Qin Han said with a smile: "So you have to keep up with Brother Qin's pace, and I will make you a billionaire in the future."
"嘁~"
Li Baobao curled his lips, "What does it mean to have power? It's hard to tell, right? ~"
"It's not bad."
Qin Han smiled and said, "If you can be called a local boss in the local area, you are almost qualified. The specific situation will depend on the specific situation. Now I have made it clear enough, right?"
"What about the high return you mentioned? What rate of return is considered a high return?"
"Um……"
Qin Han thought for a moment, then looked down at Li Baobao in his arms, "What do you think of 20%?"
"Ah? How much did you say????"
Li Baobao was startled, her beautiful eyes widened, and she looked at him in disbelief, "20% is impossible, what kind of financial product can have such a high return? And, what if it doesn't reach that?"
“Is that high?”
“Isn’t that high??”
Li Baobao frowned and continued, "Open Alipay now and take a look at the yields of the financial products listed. There are none that exceed 5% now, and you still have 20%... This is too ridiculous!"
"That's why it's called an SSVIP product, that's why there's a threshold, that's why it's not available for sale!"
Qin Han said with a smile: "Let me ask you, based on the A-share trend and sector market that I analyzed for you this time, how much have you earned so far? What is the rate of return?
And what was your rate of return on the last futures trading?"
Li Baobao blinked, "This... this... there is a lot of randomness, it's impossible to be accurate every time, right?"
"hehe."
Qin Han reached out and lifted Li Baobao's chin, smiling calmly, "Please trust your vision and trust your man!"
"Are you praising yourself or me?"
"There are many good horses, but few good horse trainers. Of course, I am complimenting you."
"Hmph~~"
Qin Han smiled and said, "Don't worry, since I said so, I must be very sure! Besides, how can investment be guaranteed to make money without loss? The greater the return, the greater the risk, this is an eternal truth!
I won't guarantee anyone a guaranteed profit, so even if you lose, you lose.
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? Even if he is a billionaire, can he remain calm about it?"
"Absolutely not!"
“So, this is the advantage that SSVIP products must have.”
Qin Han looked at the silent Li Baobao and said slowly, "Everything depends on human effort. Please trust your man."
This time,
Li Baobao stopped teasing. She blinked her beautiful eyes and smiled softly, "Okay, I'll wait and see."
After a pause,
She then asked, "What do you plan to do with the celebrity financial products? What is the appropriate rate of return?"
"What is the approximate rate of return of financial products on the market now? Tell me first." Qin Han asked instead of answering.
"The average seven-day annualized rate of return for cash management products is 1.78%, as of September this year."
"For fixed income investments, the investment return over the past three months was 0.43%, and the investment return over the past six months was 1.18%."
Li Baobao is a professional. She knows all this data by heart and can recite it fluently.
After a pause,
She continued: "There are also fixed income + equity products. As of November 2024, 11, among the public offering "fixed income + equity" products with an investment cycle of more than 7 years of wealth management companies, the arithmetic average net value growth rate and average maximum drawdown of RMB products in the past year were 3% and 1%.
Financial management companies with good return performance, such as Agricultural Bank of China Wealth Management, had an arithmetic average net value growth rate of 1% for RMB products in the past year;
The arithmetic average net asset value growth rate of China Post Wealth Management, Shanghai Bank Wealth Management and China Merchants Bank Wealth Management in the past year has also exceeded 1%. "
"In addition to these, there are also some equity products. Although these products have a high rate of return, some of them can even reach an annualized rate of 30%... However, these products have a high risk level, large fluctuations, and high thresholds. For individuals, they have no reference value."
Qin Han nodded and asked, "What about long-term products?"
"Most long-term wealth management products are closed-end net value public fund wealth management products. Among the redemption returns of products due in September 2024, the highest redemption yield (annualized) is 9%, which is the target profit of Suyin Wealth Management Hengyuan for 4.77 years and 2 period."
Li Baobao said: "This is number one on the list, with the highest rate of return."
"It's not that high... Two years per period, and the annualized rate of return is only 4.77%?" Qin Han raised his eyebrows. This rate of return is really not that high.
“That’s pretty good.”
Li Baobao explained: "The environment has not been very good in the past three or four years. Fund companies that can achieve this annualized rate of return are already very impressive!"
"So for the general public, what kind of financial products do they like most?"
"Of course, it is a product with high yield, low threshold and flexible deposit and withdrawal!"
"Oh……"
Qin Han thought for a moment and said, "Then let's solve the pain points of the people. We will make whatever products they want."
Speaking of which,
Qin Han thought of rice. The reason why this company is popular with many people is because it is down-to-earth.
At least on the surface, that's true.
A netizen posted a doodle in the comment section, saying that he wanted a washing machine that could wash in zones.
One hole is for outerwear, one hole is for socks, and one hole is for underwear.
Put whatever needs to be washed in whichever hole. If they all need to be washed at the same time, put the clothes in whichever hole they belong to.
In this way, you will never have to wash socks and underwear by hand again, and you don’t have to worry about cross-infection by mixing all the clothes together... Da Mi really listened to the advice and later made a washing machine like this.
Is it true that no washing machine manufacturers have noticed this pain point of users before this?
Obviously not.
But no one did it.
The rice is done.
Then, before his washing machine was officially launched on the market, the product had already become popular online, with a large number of people ready with money waiting to buy it!
This shows that
Solving people’s pain points and making products they want and need is actually a very feasible thing to do.
"As for the rate of return, let's set it at 5% annualized rate of return," Qin Han said.
Li Baobao did not comment. She had heard of an annualized rate of return of 20% before, so what was the current annualized rate of return of 5%?
Just a quarter.
"What about the specific period and the buying 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: "1000 yuan, it is a threshold, but it is very low. Who doesn't have 1000 yuan these days? If you don't even have 1000 yuan, then there is no need for financial management."
"As for the deadline, let's say seven days. You can redeem it once every seven days."
Li Baobao concluded: "So, this star financial product is like this: minimum investment of 5 yuan, redemption within seven days, and an annualized rate of return of % within seven days."
"That's right, that's right, the summary is very accurate, you are indeed a professional."
"ε=(ο｀*)))Alas..."
Li Baobao sighed, a worrying look on his face, "If we really advertise it like this, and the annualized rate of return does not reach 5% when it matures, we will be in big trouble!
This involves false advertising...
Even if the Financial Supervision and Administration Bureau does not deal with us at that time, the complaints and reports from our peers alone will be enough to give us a headache.
The punishment ranges from a minor fine to a serious one, such as suspension of business and additional fines! "
"Hey, you reminded me of this."
Qin Han raised his eyebrows and said with a smile: "When the time comes, you can add a clause like this to the purchase agreement to guarantee a minimum return. Or you can make this product a fixed income product directly, with an annualized rate of return of 5%.
If the amount is not reached during the redemption, we will make up the shortfall!
This is a big highlight, remember to emphasize it when promoting it! ”
"You still have a guarantee???"
Li Baobao was overwhelmed. "If this is done, it will definitely cause a huge storm in the market! I can guarantee that anyone who sees this advertisement and has a bit of brains 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, "If that's the case, wouldn't Vision Trust become an instant success?
I won’t say much. When Vision Trust grows to a scale of 100 billion, what will the Zhou family, Zhou Xingwang, and Zhou Zijian count for? "
"..."
That's the reason.
If this product with low threshold, high return and short-term flexibility can be successfully implemented, Li Baobao feels that "Vision" can really take off.
The kind that soars into the sky!
A scale of tens of billions can be achieved easily in one go!
A scale of hundreds of billions is not impossible, and it won’t even be that difficult!
People today are not short of money, but they have become more cautious and smarter. They will still invest, but they will invest in products they think are very good.
"Again, just trust your man."
Qin Han said with a smile: "I will show you the direction, and you will be responsible for the execution. As husband and wife, we are united in purpose and can break any obstacle. We will be invincible and unbeatable!"
"Bah~~~"
Li Baobao blushed immediately, and glared at Qin Han fiercely with her beautiful eyes, and said coquettishly: "Who is your spouse? You are talking nonsense!"
"You."
"I'm not. Did you marry me? Or did I marry you? Do we have a marriage certificate?"
"Huh."
Qin Han smiled and waved his hand, "Don't worry, take your time, there will be bread, there will be milk, and everything will be there."
Um? ?
Hearing this,
Li Baobao's heart suddenly moved, and a touch of joy surged in his heart.
Is he hinting that he will marry me and get a marriage certificate with me in the future?
Is this a statement???
Qin Han didn't think so much about it. He just said it casually. Let's talk about the future later. Why think so much?
Some things can't be done just by talking about them now.
"I suddenly thought of another loophole!" he said suddenly.
Li Baobao stammered, "What?"
"We have to add a limit. Each customer has a limit, so we have to set an upper limit. We have added a guaranteed return, and if it is not enough, we will pay compensation. What if the Zhou family is attracted in the future? Zhou Xingwang, the old man, will directly buy hundreds of millions. Doesn't this mean that we are working for him and helping him make money?"
"Forehead……"
Li Baobao was startled at first, then nodded and said, "It is possible. After all, the agreement states that the rate of return is less than 5%, so we will make up the rest. In fact, it will not only attract Zhou Xingwang, but also many other wealthy people, and even companies.
In the current economic environment, many companies have very low profit margins. Many companies work hard for a year but end up with meager profits, or even losses! "
"Well, then add an amount."
Qin Han looked at Li Baobao, "How much do you think is appropriate?"
"100?"
"It's a bit too little. In Shanghai, Beijing, and those who have been relocated, many people have assets far exceeding 100 million."
"How about 500 million?"
"Five million is fine, let's set it at five million for now. I won't worry about the specific product details and the investment redemption agreement. You are a professional."
Li Baobao nodded, "Okay, these are easy to handle."
Qin Han said, "For that SSVIP product, you should also prepare a draft and I'll take a look at it later. I've already selected someone for the first SSVIP spot."
"Lin Haotian?"
"Haha, I knew you could guess it."
"Cut~"
Li Baobao smiled and glanced at him, "You are really good at talking."
“This is from the bottom of my heart.”
"Only ghosts believe it."
Li Baobao smiled and said, "By the way, I also have a good candidate."
Qin Han's eyes flashed, "Feng Qianhua?"
"Huh? How did you know?" Li Baobao was a little surprised.
Qin Han frowned and said unhappily, "Don't underestimate your man's IQ."
"Hmph~ Stop flattering yourself. You are not one of them."
"Hey, I'm hungry again, come here and let me have two more bites!!"
"No, no, I'm not your mother, what are you eating..."
Li Baobao began to struggle again.
……
(End of this chapter)