"Have you forgiven me, then?" Wu Nianjiao blinked her beautiful big eyes, pouted her cherry mouth slightly, and looked at Lu Xin with a pitiful and innocent expression.

Lu Xin smiled coldly: "I heard you say that, you are justifying yourself, you think that you are doing that is a professional habit, you are not wrong, since you are not wrong, then there is no need to get my forgiveness!" ”

He got up from the golden couch and walked out the door.

Wu Nianjiao hurriedly stretched out her hand to stop Lu Xin: "Mr. Lu, let's have something to say, if you have any opinions about me, just put it forward, I will change it if I can, but don't leave without saying a word." ”

Lu Xin saw that her black uniform was lifted high by her breasts, and her clothes were about to come out, and he stopped a little embarrassed, because if he wanted to push her away, his hands couldn't help but push towards her plump breasts.

Wu Nianjiao saw Lu Xin stop, thinking that he was moved by what he said, and hurriedly squeezed out a sweet smile: "Mr. Lu, please rest assured that you will hand over your 50 million to me, and I will be able to create a 5% appreciation for you in a year!" ”

"Only 5%?" Lu Xin originally wanted her to take the initiative to open the door by herself, but when she said this, he stared at Wu Nianjiao in surprise: "With such a low rate of return, you are embarrassed to say it!" Invest in the stock market, a limit is 10%! ”

"If it falls to the limit, five million will be gone!" Wu Nianjiao said with a serious face: "Most of the income of the wealth management products of various banks this year is less than 5%, and I can say that it is safe to help you appreciate by 5%. Well, the benefits and risks are directly proportional, and you ask for high returns. The risk is also higher, many trust products can reach 8% return, but they require more funds and a longer holding period, I don't think it is suitable for you now......"

"If you want to be risk-free, I'll keep my money in reserve!" Lu Xin thought that Wu Nianjiao was nothing more than that, so he said casually.

Wu Nianjiao said with a serious face: "I don't recommend that you save for a fixed time, the maximum interest rate for one year, three years and five years is only 5.6 percent, and the deposit reserve ratio may be raised once in April." The national currency is now in a state of inflation, and the attitude towards the currency requires monetary tightening. Interest rates will be higher than usual at this time. But if you feel like that's the option for you. I can tell you that there are even better benefits. You can pay attention to our bank's wealth management products, there are short-term, three-, five-day, seven-day and three-month, five-month and five-month medium-term wealth management products. The profit of these wealth management products will not be less than the interest rate of the fixed deposit. If you are really not satisfied with the income of the bank's wealth management products. You can put your money into the stock market to buy bank stocks. Such a return would be much greater than the interest rate deposited in the bank......"

Lu Xin is now completely lacking in financial knowledge, and he listens to a lot of what Wu Nianjiao said. In such a state of information asymmetry, it is easy to be fooled, so Lu Xin said calmly: "In this way, you tell me first, what do you do as a financial manager, I want to know more." ”

Wu Nianjiao smiled, told her the meaning of her work and job responsibilities, and tried her best to win Lu Xin's recognition: "We are a provider of comprehensive financial services, from personal financial planning, bank wealth management products to funds, stocks, insurance, gold, credit cards, we know everything, have a high degree of education, have passed various qualification examinations, and many people also have AFP, CFP, and even CFA certificates." If the bank is compared to a financial supermarket, then our financial manager is equivalent to a supermarket salesman, and some people compare the financial manager to the customer's health care doctor, and the fund manager's responsibilities are different from that the health care doctor provides customers with daily health care, maintain the financial health of customers, and the financial managers as health care doctors have a closer relationship with customers. ”

"That's a good thing to say!" Lu Xin heard the sentence "If the bank is compared to a financial supermarket, then our financial manager is equivalent to a supermarket salesman", combined with Wu Nianjiao's actions just now, he was a little disgusted with her perseverance, and sneered: "If you say this, it will be okay if you put it abroad, professional financial planners in developed countries in Europe and the United States will tailor investment and value preservation plans for customers according to the unique property characteristics of different families, but the current financial managers in our country say it well, in fact, it is to sell wealth management products to customers. Salesmen, actually! ”

"You're questioning my professionalism!" Wu Nianjiao's beautiful apricot eyes widened, and she forced Lu Xin: "Do you think I can't help you appreciate your value, but I just fooled you into throwing your money here with us?" ”

"Isn't it?" Lu Xin sneered: "You ask yourself, do you really have the kind of professional ability to help me appreciate?" ”

"I have!" Wu Nianjiao took a bunch of keys from her waist and threw them on the table: "I graduated three years ago, I relied on my own private stock trading, bought a house and a car by myself, if you can trust me and let me operate the stock for you, I promise to help you appreciate by 50% a year, but if you put it in the bank for financial management, you can only 5%!" ”

"Why is there so much difference?" Lu Xin's eyes widened in surprise.

Wu Nianjiao stared at Lu Xin calmly: "Some time ago, after a rich man from our mainland opened an account to invest in wealth management products in Xiangjiang DBS Bank and Xiangjiang Dutch Bank, not only did his tens of millions of net worth quickly disappear, but he also owed a huge debt to the bank. This trend is also affecting the banking industry in the mainland, investors are avoiding risks, the market demand for low-risk products is greater, and banks' current wealth management products tend to be conservative and follow the trend. In the past, some bank wealth management products have suffered huge losses, so that the wealth management products have gone down the altar, and the bank is also a long and wise, no longer blindly confident in their product design capabilities, and do not think that they can design products that only make money and do not lose money in the current economic environment, but also make a lot of money.

At present, except for a very small number of major banks, there are very few wealth management products linked to stocks, and other banks basically launch low-risk wealth management products that invest in bonds, treasury bonds, and central bank bills.

Low risk means low return, the higher the return, the higher the risk, you want high return, you have to accept the high-risk challenge, are you willing to accept the challenge with me? ”

"Hey, three sentences are not far from the bank, you are either promoting your bank, or you are promoting yourself!" Lu Xin stared at Wu Nianjiao, shook his head and sighed: "Don't you understand, my trust in you is very low, no matter how fanciful you are talking now, you can't move me, can't you think long-term and win my favor?" (To be continued......)