New York!

The most famous neighborhood is the infamous Wall Street!

This is a symbol of the high concentration of finance and investment in the United States and the world!

On Wall Street, there are headquarters of the New York Stock Exchange, the American Stock Exchange, investment banks, government and municipal securities dealers, trust companies, the Federal Reserve Bank, various utilities and insurance companies, and commodity exchanges for cotton, coffee, sugar, cocoa, etc.

It can hype up a variety of commodities in the world, and make people love and hate Wall Street!

"Xiao Lei, since we want to speculate in stocks, should we go directly to the New York Stock Exchange to open an account!" Looking at the towering skyscrapers around her, Li Yan couldn't help but sigh that capitalist countries are prosperous.

"No!"

Lei Weidong shook his head.

"Sister Yan, let's go to Citibank, they have stocks, securities, futures and other financial services, compared to Wall Street stock investors who eat people and don't spit out bones, Citibank still pays more attention to eating appearance!"

"That's right!" Lei Weidong's words made Li Yan nod uncontrollably.

"We can't stay in the United States for a few days, the money is still in the bank safely, although the handling fee is much higher than that of the securities company, besides, Citibank has a large number of offices in China, and it can also handle all kinds of capital business, and the money is placed there for them, and it is convenient to use it!"

Summoned a taxi, and the two went straight to Citibank's headquarters.

"Sir, Miss has anything to help with!" Seeing Lei Weidong and Li Yan coming in, the beautiful customer service lady stepped forward to greet her very politely.

"We need financial services!"

"Wait a minute, see the account information presented by Li Yan!" The enthusiastic attitude of the customer service lady immediately increased by thirty percent.

Don't look! The Americans are awesome and coaxing!

In fact, many people have negative property!

For ordinary people, multimillionaires are great big shots.

The sales manager who was soon notified rushed over and invited Lei Weidong and Li Yan to his office.

"What financial services do you want, stock investment or futures trading!" Howard, the manager of the sales department, said with a smile, "Our Citibank is one of the four major investment banks in the United States, with perfect investment channels, no matter what you want to invest, we can meet it!"

"I don't dare to be interested in futures, but now technology stocks are very hot, just like buying stocks of some technology companies, anyway, tens of millions of dollars are only stored in the bank to eat interest, it's a pity, and investing in financial business can maximize benefits!"

"Mr. Ray is right!" Howard nodded and picked up the phone, "Jack, you go and ask Miss Zi Hanyan to come to my company!"

Not long after, an oriental beauty in her 20s walked in, about 1.73 meters tall, with black hair, a white face, and delicate facial features.

"Both, this is our Citibank financial consultant Miss Zi Hanyan, she is a Chinese-American, a top student at Harvard University, in addition to English, she is also proficient in Chinese, Japanese, and Spanish, I believe that the communication between you should be very pleasant.

Han Yan, these two are Mr. Lei and Miss Li, they are our big customers, and from today onwards, you will be in charge of all the banking business of Mr. Lei and Miss Li. ”

"Mr. Lei, Miss Li is very happy to see you!" Zi Hanyan shook hands with Lei Weidong and Li Yan with a sincere smile on her face.

"I'm very happy to serve you, I will bring you the most professional service, I hope we have a happy cooperation!

"Miss Zi, where is your hometown!" Looking at Zi Hanyan's enthusiastic appearance, Lei Weidong smiled slightly, and when he just shook hands, Lei Weidong obviously felt that the other party was digging in his palm.

Is this the charm of wealth? Let the beautiful women take the initiative to pounce.

"My hometown is from the magic capital, and when I was 7 years old, I came to the United States with my parents?" Zi Hanyan quietly took the information from Howard's hand and looked at it randomly!

"What a coincidence, my hometown is also from the magic capital!" Seeing Zi Hanyan sticking to Lei Weidong, Li Yan felt a sour taste rise in her heart, and she quietly held Zi Hanyan's little hand, separating her from Lei Weidong.

"That's great, it turns out that we are really fellow countrymen!" Zi Hanyan exclaimed happily.

From the information, Zi Hanyan has learned that the young man and woman in front of her are multimillionaires, and they both have more than $10 million in deposits in Citibank.

Although Citibank stipulates that only those with deposits of more than $100 million have full-time financial advisors, customers with deposits of more than $10 million are only assigned part-time financial advisors.

A part-time financial advisor is generally responsible for five to ten of these clients!

It's just that I'm a woman, or a Chinese!

It is natural to be discriminated against in European and American societies!

Although I am very good, I am a master's student in the Department of Finance at Harvard University, and my performance during the internship is also very good!

But after more than a year at Citibank, I didn't have an exclusive customer, so I could only do some miscellaneous work!

This made Zi Hanyan very unhappy!

Now the opportunity has come, although it is only 20 million level customers!

But with their own efforts, they will soon be able to become hundreds of millions of VIP customers, which will make those who look down on them regret it.

"Two, this is not the place to talk, let's go to my company, and I will give you a detailed list of investment and financial management plans for your reference!"

Zi Hanyan stretched out her hand and made a gesture of please.

"Okay!"

Lei Weidong and Li Yan followed Zi Hanyan and walked out.

Howard, the department manager, got up and sent the two to the elevator, shook hands and said goodbye, and then watched the elevator close before turning to leave.

Lei Weidong had to sigh in this regard!

The fact that large international companies can stand for hundreds of years without falling down really has a lot to do with their corporate culture.

Department manager at Citibank's headquarters!

Not to mention multimillionaires, even billionaires are seen every day.

But he still serves Lei Weidong and Li Yan very well and considerately, and it can be said that he really regards customers as God, which is much better than the personnel in the domestic service industry.

"Mr. Lei, Miss Li, please take a seat!"

Zi Hanyan's office is certainly not as luxurious as the department manager, a little cramped, but it is very clean and warmly furnished, and although the sparrows are small, there is no shortage of things to entertain customers.

Invite Lei Weidong and Li Yan to sit down on the sofa and give the two of them coffee after!

Zi Hanyan picked up the information and looked at it carefully from beginning to end!

"Mr. Lei, Miss Li, can I ask, do you want a simple financial plan to ensure that your wealth does not shrink, or do you want to make a lot of money and invest directly in stocks and futures!"

Zi Hanyan closed the information in her hand and asked.

"Of course it's stock investment!" Looking at Li Yan looking at himself, Lei Weidong knew that this was to let everything be decided by himself.

"We don't know much about futures, or don't touch them, although simple financial management can ensure that our wealth does not shrink, but it is not suitable for young people like us, Miss Han Yan, you still give us an introduction to the stock market!"

"Yes!"

Zi Hanyan showed a charming smile.

"If you want to invest in stocks and make a lot of money in a short period of time, I recommend you buy technology stocks!"

"Tech stocks!"

"That's right!" Zi Hanyan nodded to Li Yan, not at all angry that her words were interrupted.

"From 1994, when the Mosaic browser and World Wide Web came to the fore, a public website became a necessity for most U.S. public companies.

Because the Internet has a strong convenience, it greatly facilitates everyone's life.

As a result, as long as it is a company that is involved in the Internet, the stock price has skyrocketed!

Among them, the most famous are Microsoft, Cisco, AOL, Yahoo, Amazon, and other companies, whose stock prices have increased more than tenfold, dozens or even hundreds of times in just a few years.

The market capitalization is stronger than many established companies that have monopolized oil, steel, and automobiles. As for those high-tech companies that make money under the slogan of high-tech, and their stock prices are flying wildly, there are even more. ”

"The stock price has increased dozens of times in a few years, so what if it collapses, the higher you stand, the harder you fall, and the people who buy those stocks will die!" Growing up in a wealthy family, Li Yan is not a novice to stocks.

I also heard the elders talk about the fate of those shareholders who have fallen sharply in the country several times.

So as soon as I heard that technology stocks have multiplied dozens of times, I subconsciously didn't want to touch it, the risk was too great!

"There will definitely be a day when the crash will collapse, but no one can say when it will crash!"

As a top student at Harvard University, Zi Hanyan also knows that the current technology stocks are very abnormal!

The market capitalization is a bit too high, and it has deviated from the normal market.

It's just that during this time, the NASDAQ index has been hitting economists in the face, creating one miracle after another.

Many people think that it should collapse at 2,000 points, but unfortunately it didn't!

The index has been going all the way up, and now it has begun to challenge like 3,000 points!

During this period, I don't know how many bears have lost their money!

Now everyone is betting 3,000 points!

Bears and longs will fight over and over again here!

Once the NASDAQ index breaks through 3,000 points, it will not rest!

So how many points can be reached in the end is not something that everyone can guess.

"Xiao Lei, now that technology stocks are so dangerous, are you sure you want to go in, beware of losing all your money!" Li Yan looked at Lei Weidong with some worry.

A few months ago, we bet on whether "Ghost Shadow" could succeed, and in the end we succeeded, so why not bet on a big one! If you win, you will make a big profit, and it doesn't matter if you lose, the money you should earn has been earned, and you don't have to worry if you lose the money, anyway, the company is on the right track. ”

Lei Weidong's introverted personality belongs to a small fortune, and he will not use his net worth to fight until he has to!

But don't forget that Lei Weidong is a person who has been reborn, he knows the general trend of the stock market, and he looks desperate to rush forward, but in fact, there is no danger at all, and the answer has long been seen and what are you worried about.

This is something that no perfect investment solution has!

"Okay, since you insist so much, let's fight!" Lei Weidong's words made Li Yan make up her mind, "Anyway, the money is earned by you, you have the right to dispose of it, it doesn't matter if you lose, just earn it back!"

"What company shares are Mr. Lei going to buy, whether to diversify his investments and put his eggs in several baskets, or to identify a company to buy!"

When Lei Weidong and Li Yan were talking, Zi Hanyan sat aside like a mute and listened silently!

She didn't give any advice, because she knew that doing more is more wrong, and sometimes not saying a word is better than anything!

Now I hear that Lei Weidong decided to buy stocks!

Although the expression on his face has not changed at all, he is already happy in his heart!

24 million US dollars, all the purchase of stocks, if you earn, your own share of the commission is absolutely large.

"What is Cisco's market capitalization now?"

Although it is a reborn, know that the Internet bubble burst in 2000!

The Nasdaq went from more than 5,000 points to more than 1,100 points a year later.

Countless Internet companies have gone out of business.

But except for a few world-famous big companies!

How much the stock price of an Internet company has risen, how many times it has increased, Lei Weidong doesn't know anything!

The Reborn is not omnipotent!

Only the easiest way to choose!

Gnaw a few pieces of meat from Cisco!

In 2000, Cisco was the most famous high-tech company, with a market value of nearly $600 billion!

If you buy it now, the benefits should be okay!

"I'll take a look!"

Zi Hanyan turned on the computer on her desk and skillfully opened the interface.

"Now the NASDAQ index is 2821 points, and the market capitalization of Cisco is 116.3 billion US dollars, and it is currently in a stage of violent shock, Mr. Lei, you are sure to buy Cisco shares!"

"Sure! $24 million to buy all Cisco shares!"

Hear that Cisco's stock is now just over 11 billion!

Lei Weidong couldn't help but feel happy in his heart!

It's already September, and it's only half a year before the Nasdaq crash!

Earn five times the profit in half a year!

That's a good payoff!

Lei Weidong is very satisfied with this!

"Mr. Lei, Miss Li, please fill out this form to prove that you are not Americans!" Zi Hanyan asked someone to send two forms and handed them to Lei Weidong and Li Yan to fill out.

"Do I have to fill out this form!" Looking at the all-English form in front of him, Lei Weidong scratched his head a little.

"Of course, you must fill it in, otherwise your profits in the stock market will have to pay capital gains tax, and taxes ranging from 20% ~ 30% will be charged according to the specific situation!"

The United States is known as the country of ten thousand taxes, and taxes have penetrated into the daily life of every American family.

If it's domestic!

After the last transaction on the stock market is completed, investors need to pay a stamp duty of 0.1% of the transaction amount and a brokerage commission of up to 0.3% when selling. These fees are basically charged based on the transaction value.

But in the U.S., there's more to it than that!

Taxes can't be run!

Because the U.S. stock market is open to people from almost all countries around the world, in order to reward investment, attract foreigners to buy shares of U.S. companies!

Therefore, the government stipulates that foreign investors are exempt from withholding U.S. income tax on capital gains derived from the purchase and sale of securities, but please complete the Form W-8BEN provided by the IRS when opening an account in order to enjoy the tax exemption.

Of course, this is only a reduction in capital gains tax, but it does not exempt stocks and funds from dividend tax, and this part of the income is subject to a 10% tax amount.

It can be said that in the financial market, the United States is much more ruthless than at home.