Hannah is Yannick's mother, and Jonas is Yannick's son, an immediate family member with a natural advantage.

There is no inheritance tax in Switzerland, and any wealth Yannick left behind can be credited to the two of them without discount.

When the will reached Philip's hands, Jonas, who was sitting next to him, saw the will.

First of all, the heir identified only Jonas alone, that is, even Hannah could not fight, and of course, she could not fight.

Jonas believes that if his grandmother dies, he will definitely be the greatest heir to the throne because of his grandmother's affection for him.

The property left by Yannick is mainly based on equity, and there is not much real estate, mainly because Yannick's business has been developing, and he has not yet reached the age of enjoyment.

The few real estate properties that were mainly inherited by Jonas's grandfather after his death, such as the main house where they lived.

And then Yannick also had some famous watches, that Ferrari, Rolls-Royce, etc.

In terms of equity, Yannick's investment is very complex, with many different companies cross-owning with each other, and if you want to liquidate them, you need professionals to deal with them.

The will does not specify the shares, but there is an approximate figure of the property and debts before the age of 83.

As a rough estimate, Yannick left behind a fortune worth about 700 million Swiss francs, including of course almost 300 million Swiss francs in debt, and a net worth of almost 400 million Swiss francs.

Jonas also knew that Yannick's greatest wealth was not the 400 million Swiss francs in assets, but his control over the entire team's more than 10 billion dollars.

Because of this control, he is qualified to sit on an equal footing with the heads of state and to call for wind and rain.

If he was only a rich man and twice as rich, it would not be possible for the heads of state to attend his funeral.

Of course, this control is something that Jonas simply cannot hope for now.

After Philip finished reading it, he sighed and said: "Yannick's departure is an incalculable loss for our Hoffman family, in just ten years, he has earned such a huge fortune outside the family industry, if he is given another twenty years, it is difficult to imagine how far he has developed." ”

Of course, Yannick's fortune is inseparable from the foundation of private banking, but on the basis of not moving private bank funds, Yannick has earned enough money.

With these funds, the development will only get faster and faster in the future.

Hannah's eyes turned red again, but she held back her tears. "He has always been my proudest son and he has never let me down. ”

Jonas gently grabbed Grandma's hand and comforted him, "Grandma, I won't let you down in the future." ”

Hannah nodded lightly and said, "Don't put too much pressure on you, at this stage, you still have to focus on your studies." ”

Jonas shook his head and said, "I used to think so, but now, I've changed my mind. Dad left us, but we can't let Daddy's career leave us completely, even to maintain the relationship with Uncle Mark and them, we can't shrink completely. ”

In the conversation a few days ago, Hannah revealed that all she meant was to shrink investment.

After the death of Yannick, the pillar, this is the safest approach.

But Jonas didn't think so, without the big tree of Yannick, he could only make himself a big tree as soon as possible.

Today, Richie's actions also shocked Jonas, and if Yannick's funds were withdrawn, the relationship between them and Richie would only be the friendship they had in the past.

When there is no interest involved, this kind of friendship can easily be disconnected.

Although Jonas has not yet figured out what to do, it is definitely not a good idea to withdraw all of Yannick's assets.

Although Jonas knows the history of the 80s, he is definitely not familiar with it, and what he remembers most clearly is the impact of the Plaza Accord on Dongying and the development of the electronics industry and the game industry.

The game industry is a relatively closed industry, if you are not in the industry, it is difficult to compete with those companies that win Dongying, Jonas does not understand this industry at all, and it is difficult to get a piece of the pie knowing that it is a huge profit.

But the development of the electronics industry is easy to get involved in, such as Microsoft, which is still an ordinary software company and has not become a giant in later generations.

You only need to eat a large number of shares of Microsoft when Microsoft goes public a few years later, and you can lie down and win.

There is also Warren Buffett's Berkshire Hathaway, Jonas once read a report that if you spend $10,000 to buy Hathaway's shares in 1956, 50 years later, the net profit after tax can reach 27,000 times, that is, $270 million.

Although there is not such a high return now, investing in Hathaway is still a huge profit.

Of course, these can only be thought about for the time being, because Yannick left behind assets, not funds, and if you want to turn assets into funds, even with the support of Richie, it is not so easy to get your hands on it.

What's more, Jonas has always been most familiar with the energy industry.

One of the aspects of finance he is studying today is the anchoring effect that Kahneman and Tverski pointed out in 1973.

The original meaning is that people often give too much weight to the salient and memorable evidence when making judgments, and even distort perceptions from it.

One of the most obvious features of this theory is that it sets a basis for contrast, or the central point, the center of gravity.

In the process of studying, Jonas often substituted his own life into it, and wanted to analyze the life he had traversed.

He is different from ordinary people, who find it difficult for ordinary people to find the right benchmark in life for themselves, and everyone is more at the mercy of fate.

But he is different, the life experience of his previous life is his greatest wealth, and for most of his life, he will live and develop in a "familiar" environment.

Then, based on the experience of his previous life, it is easy for him to find his own anchor for himself.

This anchor is the energy industry, and his current family environment and living environment have allowed him to get out of the original trading stage and master the finance that can directly affect the entire industry.

Then, it is almost destined for the energy industry to become its own anchor and the financial industry to become its own sail.

As for other investments, they can only be regarded as oars at best.

This is the ship of his life, his own course, no matter how it develops in the future, he cannot abandon the foundation of the energy industry.

With such an understanding, how could he let his grandmother quit easily?

Hannah asked, "What do you want to do?"

Jonas looked back at Osberg and asked, "Osberg, Hoffmann Bank has been growing steadily under your management, and I don't think your position will be affected by your father's absence." ”

Osberg nodded and said, "I have always regarded Hoffmann Bank as my only business in life. ”

He looked at his grandmother again and said, "Grandma, like my father, I don't have much interest in the management of Hoffmann Bank, and I would rather continue to follow the path that my father has been walking than managing such a bank." ”

Hannah shook her head lightly and said, "Jonas, you are too young, the investment bank has a lot of equity, and the personnel relationship is very complicated. You're not going to be able to gain the trust of your partners, and I don't think now is the time for you to get involved. ”

"Grandma, I know this, so I will set my development goals based on Dad's asset cash-out. I don't have the luxury of being in charge of a company with assets of 10 billion yuan like my father, I just want to develop according to my own ideas and use the funds at my disposal. ”

Philip said, "Jonas, this is a lot of money, do you think you already have the ability to control it?"

"Nope. Of course not. Jonas looked at him and said seriously, "Grandpa Philip, I don't want to control all the assets now. I already have a plan in my heart, and I also have a collaborator, and I only need a part of the funds to support my father's current career. ”

"Who are the collaborators you see fit. ”

"Joseph Bennett, one of Daddy's subordinates, Osberg should have known. ”

Osberg nodded and said, "A capable young man, a genius in financial operations. But because of his sharpness, without Yannick's support, his situation is not very good.

Hannah didn't directly object, but she didn't express her support, but just said, "Let's wait until we find out what your father's assets are going to do, okay?"

"Of course. ”

Little Hannah ran from the kitchen, shouting as she ran, "Grandma, it's time for dinner." ”

Hannah turned to Osberg and said, "Osberg, you also stay for dinner, and you are not an outsider in this house. After dinner, we also need to arrange for the financial staff to accompany us to receive Yannick's assets. ”

Osberg is indeed not an outsider in this family, he was already the general manager when Jonas's grandfather was in power, and now he has experienced the Yannick era, and is about to usher in the Jonas era.

In the past few years, Jonas had an awkward relationship with Yannick, who was more like a father than Yannick and had been taking care of Jonas's study life.

In Jonas's mind, he was a trustworthy man and the only one who could use it without any worries these days.

After Yannick's departure, Jonas became eager to build his own team.

After dinner, the talks did not last long, and ended before ten o'clock.

For many days, no one had a good night's sleep, and today Yannick has been buried, and he can sleep well.

On the big bed, Jonas put his arms around Nicole's delicate body and couldn't help but sigh. "Nicole, you gave up an opportunity to change your future today. ”

Nicole put her arms around Jonas's neck and snuggled into his arms and said gently, "I hope you can understand that it's not because I don't love you, it's just that I'm not willing to give up my dreams." ”

"I understand, but it's also a little uncomfortable. I believe you love me, but you don't love me enough. ”