Zhou Fangyuan, on his side, went up to the second floor, pushed open the door of the study, and entered it, and then greeted him with a word from his grandfather.

"I want to take your fourth grandfather over and live with me. ”

Take the fourth grandfather over?

Zhou Fangyuan didn't understand the meaning behind this sentence for a while, and nodded subconsciously, "Yes." ”

"What I mean, not only your fourth grandfather, but all the older generation of our family, if they are not in good health, I want to take care of them. ”

Grandpa then said.

Zhou Fangyuan reacted at this time, and the scattered expression on his face became serious.

"Yes, if you want. ”

Although the answer was given in a short time, he was considered.

It's okay to take care of the elderly, although this should be the business of the children of each family, but it makes sense that grandpa wants to take care of his brothers and sisters.

Don't worry too much about money, Zhou Fangyuan alone gives his grandparents more than five million pocket money every year. This is already a filial piety money, the family used to be poor, and when it came to the end of the year, the family gave 51,000 to the grandparents, which was considered a filial piety. Now that he has money, Zhou Fangyuan will not be stingy with his family, so he alone will take out five million a year, and he doesn't know how much his parents will give, but it is estimated that it is indispensable. With the addition of the second uncle and the third uncle and aunt, the money that grandpa has now is conservatively estimated to be 20 or 30 million. This money, according to normal expenses, grandparents and grandparents can spend it for a lifetime.

Not to mention that the two old people are already old and have entered the end of their lives, so they need less daily expenses.

With more than 20 million family funds and very little daily expenses, it is really not interesting to keep this money, money is only money if it is spent. What is stored motionless in the bank is called waste paper.

So even if grandpa made this, which seemed to be a redundant decision, Zhou Fangyuan still agreed, and he had no reason to object.

At this point, the grandfather finally showed a slight smile, and the old man leaned back in the chair, and in a trance, fell into memories.

"Your grandfather, that is, my father, came to Beitong to make a living, life was really difficult at that time, at that time, our two families, in fact, were still very close, and lived very close. It's just that with the death of your grandfather, I happened to go out to study again, and in time for the development of the city in those two years, the bungalow was demolished, and the two were completely separated. After all these years, I don't know where to go to find them, I'm not even sure...... Shouldn't you look for them...... What if I find it? What if I can't find it......"

In fact, if you want to find it, it is not difficult in itself, Beitong City is so big, as long as the people of the fourth grandfather's branch do not leave, and think of a way to do it, they can always contact each other.

But why didn't Grandpa do it? I think it's because of a kind of comparison.

This is normal, and everyone will have it, with the passing of the older generation, the younger generation is bound to gradually disperse, and once dispersed, it will no longer be as intimate as it once was. And there will be a comparison between each other, always thinking that they should mix better than each other, but who can guarantee that they can mix better than each other? So grandpa has never mentioned the matter of the fourth grandfather's branch, and he thinks the same way.

"I heard that the fourth child was sick just now, and suddenly I thought, this is boring...... It's been decades of old brothers, maybe one day it won't be there, if you don't take advantage of the fact that everyone is still alive now, seize the time to see each other more, do you have to wait for everyone to die before you can remember this? And our family is different now, thanks to your ......"

"Grandpa, don't say that, in fact, I ......"

Zhou Fangyuan hurriedly wanted to show his modesty.

"I said yes, I'm not stupid or blind, I still don't know about things at home? In short, now that life is good, money is no longer called money, you young people are busy with work and life, I just want to greet the older generation. Good health of the Russian,. It's okay to continue living with your children, and it's okay to come here. If you are not in good health, you will take care of them uniformly, and we will grow old and old, and we also have a talking partner. If you miss us, you can come and see us......"

Zhou Fangyuan completely understood.

Grandpa is going to build a nursing home, but it is only for the inside of their old Zhou family, listening to this tooth sound, it is obviously not ready to ask for a penny, it is purely grandpa spending money to raise the older generation who are not in good health, help them see a doctor, and take care of their lives......

The price paid is really not small, the living problems of the elderly, if you want to really take care of it in place, the doctors and nurses on site are indispensable, and there are some corresponding equipment and facilities, just the initial investment, I am afraid that it will be more than 10 million. Not to mention that the follow-up costs of various drugs and treatments are also bottomless, to be honest, if Zhou Fangyuan does this, the scope and fineness remain the same, and he may be able to barely persevere. But relying only on this bit of "pocket money" in the old man's hand, at most three or five years, I am afraid that it will bottom out.

Of course, Zhou Fangyuan did not hesitate to spend money on the old man, but except for his own old man, other families!

This is not a question of filial piety or not, people are emotional animals, and they have feelings for each other, so I am willing to pay for you. It's like he spends money on his grandfather, this is his grandfather, what's so reluctant. But what about the other elders, they don't have such deep feelings, let him pay so much, and if he talks a lot, can he still have no ideas in his heart?

But Grandpa Xi has obviously made a decision here, and Zhou Fangyuan doesn't want to say anything more to make Grandpa unhappy.

"What do you think, just say it. ”

He also thought about it, and his grandfather's request should be met as much as possible. But how to meet the specifics, this still has to have some explanations, in short, you can't blindly agree, but you can't do it brusquely, and you can't refuse when you come up.

"I thought about it......"

Grandpa said, pulling open the drawer, taking out a bank card from it and placing it on the table.

Zhou Fangyuan's eyes shrank, "Grandpa, this is your ......"

"I know, there are 30 million in this," the old man nodded, "You are all filial, me and your grandmother, we will say that you are good when we meet now, and others envy us." This money, to be honest, the two of us can't spend it, we don't go out to play, we have food, drink and clothing at home, this money is actually a waste for us. I thought, can I use this money to find a way to make money? Make money, and then use the money to carry out the plan I just made?"

“......”

Zhou Fangyuan blinked, oh, this time he completely understood.

"Do you mean, get a fund, it's called a pension fund, and you, grandma, and other grandparents will be included as the beneficiaries of the fund, and use the annual dividends and profits of the fund to realize your collective pension plan?"

I have to say, this plan is really interesting.

It's not a big deal, but it's only 30 million, to put it mildly, the money for a slightly larger project is not enough, like the project operated by the distant group in the past two years, basically 30 million soft sister coins are thrown in, I'm afraid I can't listen to it. But it can definitely be tossed a little, at the very least, use this wallet to block land or get a façade or something, take a loan from the bank, and then do what to do. Of course, this is a real business operation, and that's too complicated.

But grandpa's idea is obviously not a problem.

For example, get a fund out.

A fund, in a broad sense, refers to a certain amount of money that is set up for a certain purpose. It mainly includes trust investment funds, provident funds, insurance funds, pension funds, and funds of various foundations. From an accounting perspective, a fund is a narrow concept that refers to funds with a specific purpose and use. The funds we refer to mainly refer to securities investment funds.

According to different criteria, securities investment funds can be divided into different types:

According to whether the units of the fund can be increased or redeemed, they can be divided into open-end funds and closed-end funds. Open-end funds are not listed and traded (depending on the situation), and the fund size is not fixed through the subscription and redemption of banks, securities firms, and fund companies;

Secondly, according to the different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund, and is established by the fund manager, the fund custodian and the investor through a fund contract, and is usually called a contractual fund. China's securities investment funds are all contractual funds.

According to the different investment risks and returns, they can be divided into growth, income and balanced funds.

According to the different investment objects, it can be divided into stock funds, bond funds, money market funds, futures funds and so on.

According to the old man's vision, his eldest son, that is, Zhou Fangyuan's father, is the fund stock manager, Zhou Fangyuan is the fund custodian, and the grandfather is the fund investor. does not accept other investments, nor does it accept others to invest in shares, when the fund releases funds to the outside world, the specific beneficiary is decided by Zhou's father.

Some people may say that this is very wrong, how unhealthy it is, how it is completely overlord clause.

Yes, it's just unhealthy, it's Zhou Fangyuan and their grandchildren who have the final say, is there anything wrong?

To make one point clear, that is, for Zhou Fangyuan and them, the existence of this so-called fund is actually some small thoughts of grandpa. The old man hopes to use his own money to provide some help for his brothers and sisters, those old men and old ladies who are also old. Don't let them spend a penny, and don't want them to pay anything, just enjoy it in vain...... Besides, according to the old man's idea at the beginning, he even just wanted to use the money to make some investments, and then use the money to make money to achieve his own goals.

Supporting an elderly person is simple and simple, but it is also really difficult to say that it is difficult, mainly depending on what kind of standard you use to implement it.

If the standard of implementation is based on the standard of ordinary people, it is not expensive, and 2,000 yuan per person a month is enough. But if you add the resident doctor, medical equipment, nursing staff, and treatment drugs...... According to such a standard, 10,000 yuan a month for one person is not too much, so if you want to let the grandparents of the old Zhou family live a good life in their old age through the money in the hands of their grandfather as much as possible, it is necessary to invest and make money.

So in this way, you can do this, first of all, set up a foundation, non-public fundraising, and the beneficiaries are limited to the Zhou family. The source of funds is donations, and the donor is the established fund, which uses the grandfather's money to operate, uses the money to make money, uses the money to support money, and then injects profits into the foundation, which is responsible for the old life of the Zhou family......

Some people may say, wouldn't it be good to just give money?

Hehe, unless you're a fool to do that.

In the case of foundations, it is even easier to set up a non-public fund.

The foundation first achieved maturity and development in the United States. The United States Foundation began to flourish after the 20th century. The Carnegie Foundation and the Rockefeller Foundation in 1900 were two of the more well-known of the first foundations. Founded in 1936 and funded by the Ford family, the Ford Foundation has billions of dollars and projects around the world with a wide reach. In 2000, the Bill & Melinda Gates Foundation was established as the world's largest philanthropic foundation to advance equality in health and education around the world.

According to the statistics of the United States Foundation Center, 90,000 of the 1.6 million charitable organizations can be considered foundations. In 2011, the total annual donation was $305.8 billion, of which 72% came from individual donations, and some in the form of microcredit. Of these, 8% comes from donations from the estate at the time of death, mostly to church organizations. Nearly 20 per cent of donations come from foundations and corporate foundations.

In 1981, China's first foundation was established. Later, with the development of society and the change of government policies, the foundation of our country has also made great progress. First of all, it's in its infancy. The Foundation has gone through the process of starting from scratch, and there are no relevant regulations on the operation and management of the Foundation.

The second is these at the end of the 20th century, when the foundation was in a heavy regulatory phase. In 1988, the Measures for the Administration of Foundations were promulgated, establishing a three-tier regulatory system to strictly restrict the development of foundations. From 1997 to 2003, it was in the stage of cleaning up and rectifying. In 1996, the state and the government issued the "Notice on Strengthening the Management of Social Organizations and Private Non-enterprise Units", and began to clean up and rectify the foundation, and the development of the foundation came to a standstill.

Especially since the year before last, that is, since 2004, China's foundation has entered a stage of rapid development. In 2004, the Regulations on the Administration of Foundations were promulgated, which clearly regulated the internal governance, financial accounting system and use of charitable funds. The development of the foundation has accelerated, and its social influence has been further enhanced. Policy changes in recent years have further promoted the development of non-public foundations. Many provinces across the country have delegated the authority to register and manage foundations, and non-public foundations can be registered with civil affairs departments at the city and county levels.

Because of the decentralization of registration authority, China's foundation has entered a stage of rapid development, and there is a broader space for growth.