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"Have you forgiven me, then?" Wu Nianjiao blinked her beautiful big eyes, pouted her cherry mouth slightly, and looked at 6 Xin with a pitiful and innocent expression.

6 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 sand, took a stride and walked out the door.

Wu Nianjiao hurriedly stretched out her hand to stop 6 Xin: "Mr. 6, let's have something to say, if you have any opinions about me, just put it forward, I can change it, but don't leave without saying a word." ”

6 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 her plump breasts.

Wu Nianjiao saw 6 Xin stop, thinking that he was moved by what he said, and hurriedly squeezed out a sweet smile: "Mr. 6, please rest assured to hand over your 50 million to me, I can create a 5% appreciation for you in a year!" ”

"Only 5%?" 6 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 1o%! ”

"If it falls to the limit, five million will be gone!" Wu Nianjiao said with a stern 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 a sure profit to help you appreciate by 5%." Well, the return and risk are directly proportional, you require a high return, the risk is also higher, many trust products can reach 8% of the return, but require more funds. The holding period is also longer, so I don't think it's right for you right now......"

"If you want to be risk-free, I'll keep my money in reserve!" 6 Xin thought that Wu Nianjiao was nothing more than that, so he said perfunctorily.

Wu Nianjiao said with a stern face: "I don't build a fixed deposit, and the maximum interest rate for one year, three years, and five years is only 5.6 percent." There may be another RRR increase by April. The national currency is now in a state of inflation, and the attitude towards the currency requires monetary tightening. The interest rate will be higher than usual at this time, but if you think this is your choice, I can tell you that there is a better yield. You can pay attention to our bank's wealth management products, there are short-term, three, five, seven days. There are also three-month and five-month medium-term wealth management products, and the profit of these wealth management products will not be less than the interest rate of fixed deposits. If you are really not satisfied with the income of the bank's wealth management products, you can put the funds in the stock market to buy bank stocks, which will be much greater than the interest rate of depositing in the bank......"

6 Xin is now completely lacking in financial knowledge, and listening to Wu Nianjiao's big set of words, I can hear it in the clouds. In such a state of information asymmetry, it is easy to be fooled, so 6 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 and told her about the meaning of her work and job responsibilities. "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, through a variety of qualification exams, many people also have aFp, cFp, and even cFa certificates." If the bank is compared to the financial market, then our wealth manager is equivalent to the salesman of the city, and some people compare the wealth manager to the customer's health doctor, which is different from the responsibilities of the fund manager. Health care physicians provide daily health care to their clients and maintain their financial well-being, and financial managers who are health care physicians have a closer relationship with their clients. ”

"That's a good thing to say!" 6 Xin heard the sentence "If the bank is compared to the financial market, then our financial manager is equivalent to the salesman of the city", combined with Wu Nianjiao's actions just now. He was a little disgusted with her perseverance, and sneered: "If you say this, if you put it abroad, it will be fine, professional financial planners in Omeda countries 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 well, in fact, they are selling financial products to customers, in fact, they are salesmen!" ”

"You're questioning my professionalism!" Wu Nianjiao's beautiful apricot eyes widened, and she stared at 6 Xin: "Do you think I can't help you appreciate your value, but I just fooled you to throw your money with us?" ”

"Isn't it?" 6 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 for three years, 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 5o a year, but if you put it in the bank for financial management, you can only 5%!" ”

"Why is there so much difference?" 6 Xin's eyes widened in surprise.

Wu Nianjiao stared at 6 Xin calmly: "Some time ago, there was a rich man from our mainland who 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!" 6 Xin stared at Wu Nianjiao, shook his head and sighed: "Don't you understand, I have a very low sense of trust in you, no matter how fanciful you say now, you can't move me, can't you think long-term and win my favor?" ”