For the new week, ask for [Recommendation] [Recommendation] and [Recommendation].

The incident will be resolved this week and will not be delayed any longer.

————————————————————

Robbery, is it really marriage? Lin Qiang wanted to ask, but about this kind of personal question, it was really difficult to ask too obviously, so he had to ask in a different way: "Mr. Luo, your career has been done like this, it stands to reason that it is time to buy some insurance for your family." ”

"Well, a lot of people have recommended insurance and want me to put my money into products that last for decades." Luo Yongsheng rubbed his eyes with both hands, and the topic just now made him look tired, "But I don't have the idea of buying these products for my insiders for the time being." Sorry, but do you have any other recommendations? ”

Lin Qiang's heart moved, and Luo Yongsheng would be full of energy whenever he talked about his career, but when he talked about his wife, he would be depressed. Sure enough, Luo Yongsheng's career is booming, but is there a fire in the backyard?

"If I'm not mistaken, your wife and you were classmates when you were studying abroad, right?"

"Hehe, yes, when I was studying abroad, the two of them cooked together, living in a low-rent house of more than ten square meters, living in poverty, but full of hope." Luo Yongsheng shook his head with emotion, "Now, I see that I am out of the mix......"

Lin Qiang stared at Luo Yongsheng, hoping that he would continue, but Luo Yongsheng frowned and asked, "Manager Lin, what products do you want to recommend?" ”

Lin Qiang knew that the current situation could no longer be forced to ask, that would only force this customer away, he snorted his throat and said boldly, "I am going to recommend to you a product that will absolutely, definitely not make money." ”

"Absolutely, absolutely not a product that will make money?" Although Luo Yongsheng was surprised, he was more curious at this time, this was the first time he had seen this strange sales method, and he was a little eager to try, "Then please, please try to convince me to buy this thing that will definitely not make money!" ”

Lin Qiang picked up a black pen and wrote a line of large characters on the whiteboard-

United Charitable Foundation.

"This is a business that only the private banking consultant of my bank will propose, and I directly recommended it beyond my authority." Lin Qiang clasped his palms together and began to introduce, "United Charity Fund, more than 20% of the funds in the fund will be used for charity, and the rest of the funds will ensure the operation of the fund and will be appropriately invested. Investing in this fund, in the form of a donation, but not equal to a donation, is a new type of product that mixes charitable and commercial funds, with an expected return of negative 10% to zero, and it is absolutely impossible to make a profit. ”

Although Luo Yongsheng was confused, he still tried to think about the meaning of Lin Qiang's words: "Do you want me to be a philanthropist?" ”

"Philanthropist is just a title that comes by the way, and there is more to this fund."

"Please be clear, I've never heard of this."

"Have you heard of the Bill Gates Fund?" Lin Qiang asked.

"Of course." Luo Yongsheng's expression moved, as if he understood something, "He donated all his equity to the charity funds in his name, claiming that he would not leave a penny for his children, but in fact, his children have become billionaires by inheriting this fund." In this way, he couldn't help but lose his reputation as a philanthropist, and at the same time avoided the inheritance tax of tens of billions. ”

"What do you mean...... It won't be ......" Luo Yongsheng was surprised and proud.

This Lin Qiang, compared himself with Bill Gates, he was really a little fluttery for a while.

"The principle is similar, but the process is a little different." Lin Qiang continued, "This fund is specially applied for by our bank, which is fully in line with the relevant national policies, and because of its charitable background, it also has considerable advantages in tax rate and inheritance. At the same time, it accepts cash, equity and other forms of investment. Annual dividends can be withdrawn in January each year, and at the same time, there will be a large-scale fundraising reception in December every year. This is a very high-end product of my bank, and I should have been recommended by a private banker, and I dared to do it. ”

"Well......" Luo Yongsheng asked after thinking for a while, "Let's talk about it bluntly, can I understand it this way, this fund can allow me to directly use equity investment to avoid certain taxes, in addition, because of my charitable background, I will also have advantages in the inheritance of my children." The only downside is – it will definitely not be profitable. ”

Lin Qiang nodded: "Yes, it will definitely not be profitable." As for taxes, in fact, there is no way to completely avoid them, although there is no tax when donating, but dividends are subject to tax. ”

"Ha Luha, that's an interesting thing." Luo Yongsheng became even more curious, "If there are any promotional materials, I want to see if there are any promotional materials." ”

"This ...... Sorry, our office is too small, and I have to find a colleague from the private banking department to borrow it. Lin Qiang said embarrassedly, "You can leave an address, and I will courier a copy as soon as possible." ”

"Okay, can you tell me more about it?" Luo Yongsheng had already drunk his coffee, put down his cup, and asked expectantly, "For example...... What kind of charity is used, who is investing in it, and so on. ”

"Of course, this fund is mainly invested in education, and in the two years since its establishment, 52 hope primary schools have been established, and thousands of poor students have been subsidized to go to university."

"Hmm...... What is the approximate size of the funds? ”

"Hehe, even if I know the Tao, I can't say this." Lin Qiang smiled, "After all, there is a large amount of capital contribution in the form of equity, which is difficult to judge, right?" ”

"This too, equity ...... Equity ......" Luo Yongsheng's expression suddenly moved, and he pondered to himself.

"In today's financial age, equity accounts for much more than cash."

"Hmm......" Luo Yongsheng leaned back on the sofa, lost in thought again.

"Invest with equity...... he thought about all the possibilities.

The room was silent for a few minutes.

"Wait until you send me the specific information, you need to be more detailed." Luo Yongsheng finally looked at Lin Qiang and spread his arms, "This project is too big, I have to be cautious, equity is a very virtual thing, but at the same time, it is also the most important thing for me." ”

"Of course." Lin Qiang also knew that Lu Dao's opening this time was a little too big, to leave Luo Yongsheng time to think, it was useless to urge, this kind of person must rely on his own reason to judge.

However, there is one thing now that may make Luo Yongsheng lose his mind.

"By the way, I forgot a very important point." Lin Qiang sat down next to Luo Yongsheng lightly, and said in a suppressed voice, "This...... It's not easy to say this, but considering the possibilities, I'll tell you in advance. ”

"Please."

"Since this 'investment' is actually in the form of a donation, whether it is a cash donation or an equity donation, the money does not belong to you during the operation of the fund and until you withdraw your capital."

"Oh?" Luo Yongsheng is a smart person, and he has realized the key from this, and his expression has become interesting, "Please explain it more clearly." ”

"Well, to put it more thoroughly, this donation can be inherited, but it cannot be divided, it is an honor of donation, but before the withdrawal, it is not the property of real money." Lin Qiang looked at Luo Yongsheng with a sly smile, "That is to say, if you happen otherwise, your children can inherit this donation; But if you get divorced, your spouse doesn't have the right to divide the money. Because the money belongs to the Foundation, you've already donated it. ”

Luo Yongsheng slapped his fist on his palm and asked excitedly: "So if I donate my existing equity, then the dividend after the company's listing ......?"

"Nominally it belongs to the foundation, but it can be withdrawn in January every year." Lin Qiang smiled silently, "So actually, it's still yours." However, it should be noted that this fund is a charitable fund after all, and it is completely impossible to make a profit when it is eventually withdrawn. ”

"Interesting, interesting!" Luo Yongsheng kept clapping his palms, and after hesitating, he looked back at the door of the room, and then asked in a low voice, "I won't tell you, my relationship with my inner person has been ...... recently." Somewhat troublesome. ”

"Oh?" Lin Qiang pretended to be surprised, "Your career is so successful, how can you be in trouble." ”

"Well, it's just that my career is so successful." Luo Yongsheng's expression changed, and his pupils revealed a little resentment, "You know, once the company is listed, my original shares will be worth a lot of money." She saw the moment and tried to take away the fruits of my years of hard work. ”

"......," Lin Qiang asked in surprise, "As a wife, you should obviously double your assistance to your husband at this time, right?" What could happen for Lang? ”

"! I want to know that too! Luo Yongsheng suddenly slapped the table desperately, "In the competition in the shopping mall, I can face many opponents calmly, but when I was about to go public, my family gave me such a show, which is really chilling." ”

"I see." Lin Qiang said, "I shouldn't ask about the matter between you and your wife, but if the matter is as you said, your wife is greedy, relying on my professional knowledge, I can ensure that your money will not be taken away by her." ”

"Hmph, I'm not so ruthless." Luo Yongsheng leaned on the back of the sofa and sighed, "After all, after so many years of coming together, the house can be given to her, and then give her millions of assets, which is easy to say." But now, she is aiming at my original stock, which is the result of my life's work, which is intolerable and cannot be tarnished. ”

"Although I shouldn't have asked...... But I'm still curious about this. Lin Qiang wondered, "After so many years, why did she want to do this?" ”

"Maybe it's a pursuit." Luo Yongsheng smiled bitterly and patted Lin Qiang's shoulder, "She hopes to immigrate to the United States, and I insist on returning to China to start a business; She wanted to go out every weekend, but I had to work overtime all night...... In the long run, there are more and more conflicts between husband and wife. ”

Luo Yongsheng just casually talked about his life, but when he heard Lin Qiang's ears, he seemed to be talking about himself, what a similar experience, what a similar two people. If he had kept her at that time, would he have faced the same outcome?

"But that's no longer the case." Luo Yongsheng raised his eyebrows and said, "I am a person with a conscience, but the behavior of coveting my equity is absolutely intolerable." ”

Now that Luo Yongsheng has spoken, Lin Qiang no longer retains: "As a bank employee, I can guarantee the safety of your property, and you will not be stripped away because of divorce disputes." ”

For mobile phone users, please read it on m.biquge.info.