The so-called wealth management products refer to non-principal-guaranteed wealth management products that are paid by wealth management companies to investors in accordance with the agreed conditions and actual investment returns, and do not guarantee the payment of principal and the level of returns.

Among them, wealth management companies refer to the wealth management subsidiaries of commercial banks established in accordance with the law in China, as well as other non-bank financial institutions mainly engaged in wealth management business approved by the China Banking and Insurance Regulatory Commission.

The wealth fund company that Fang Hong decided to set up at this time obviously belongs to the latter.

Tian Jiayi, who was sitting on the side, made a memo, and nodded at the same time and said: "I agree with this, the wealth gap in the current society is becoming more and more wide, which is not conducive to the stable and healthy development of the entire national economy. ”

Tian Jiayi continued: "The general public of the middle and lower classes basically have no financial management ability, and they must be eight leeks out of ten when they enter the market alone. ”

When Fang Hong heard this, he couldn't help but smile and be happy.

The beautiful assistant went on to say: "The waist bag that is not rich is cut like this, which will only lead to further disparity between the rich and the poor, and someone needs to stand up to help them manage their wealth preservation and appreciation, otherwise they will not be able to eat anything from the dividends of the industrial upgrading and development of our galaxy, and the principal will have to be pasted in." Looking around, I see that apart from you, I'm afraid no one will really pull them. ”

Fang Hong touched his nose and said with a smile: "Gao Gao is my fanatical fan, so he should be a favorite fan." ”

There is no doubt that this is a matter of fame and fortune.

It can not only bring a huge amount of liquidity to the independent valuation system of the galaxies, but also shorten the gap between the rich and the poor to a certain extent.

No matter how strong the consumption power of the rich is, it is only a very small group, and no matter how fierce the consumption is, it is impossible for him to eat ten meals a day, and the basic plate of economic development will always be the group of middle and lower class people who represent the absolute majority.

Others are patronizing and fishing, because they don't care, and when they have caught enough, they will be rich.

Fang Hong didn't think about moistening, and there is no possibility of moistening now, so even from the perspective of his own interests, he must actively maintain the healthy development of this environment.

If you do these well, you will inevitably gain fame, and your reputation will also rise.

In this matter, Fang Hong actually thought about handing it over to Chen Yu's quantitative capital directly at the beginning, but after thinking about it, he still forgot it, and he still did it himself, after all, he could earn more fame and achievement points.

As for Chen Yu's quantitative capital, let them accept the asset management entrustment of the private wealthy group.

This wealth fund company is specially aimed at the majority of middle and lower-class people, taking them on the bus, allowing them to eat the dividends of a series of industrial upgrades of Qunxing Capital, and achieving a certain scale of wealth preservation and appreciation.

Qunxing Capital does not accept asset management from the middle and lower classes of the private sector, nor does it accept the asset management of the private wealthy groups, only Guo Jia's team and Huayang Group, which bet on the early stage, will not absorb other groups into it.

In fact, there are countless invisible rich people who want to give their money to Qunxing Capital, but none of them have accepted it.

It's all accepted, who will be responsible for losing money?

No one loses money, how can you eat enough with the volume of Qunxing Capital? But what is certain is that Guo Jia's team must not lose money, so naturally it can no longer attract new members to the bus, and Qunxing Capital can maintain the current structure.

Fang Hong pondered and said: "According to the current national credit expansion rate of more than 10% per year, then the income of the wealth fund's wealth management products will be controlled at an average annual rate of about 15%. ”

Tian Jiayi lowered his eyes and said nothing, and made a memo of his orders one by one.

The so-called national credit expansion, to put it bluntly, refers to the country's newly printed money, with an average annual growth rate of more than 10%, which means that if an individual's salary income remains unchanged, the purchasing power will fall by about 10% every year, and even if the average annual wage rises by about 10%, the purchasing power can only be equalized.

Just imagine, now that I have a monthly income of 3,000 yuan, and ten years later, I will still earn 3,000 yuan a month, and how much my purchasing power has shrunk, it is absolutely scary to calculate.

Now a 100-yuan bill can still cost two days, but ten years later, a 100-yuan bill can't be held for a day, and when you go out to the next restaurant, you have to ask for one or two hundred yuan casually, which is still a lot.

Fang Hong gave this wealth fund company an average annual return of about 15%, which is equivalent to allowing middle and lower-class people to have about 5% wealth appreciation while outperforming the depreciation of purchasing power.

In fact, the vast majority of people's income growth cannot even outperform currency depreciation, and let them invest and manage their finances independently, and there are not a few pants left to lose.

After the memo, Tian Jiayi said: "After the launch of this wealth fund, coupled with your current appeal and credit, it is estimated that it will be robbed crazy, I will not have any doubt about this." ”

Indeed, there are few channels for ordinary people to invest, and there are nine out of ten pitfalls.

Ordinary people are keen to invest in buying a house, which also accounts for a large factor, because they find that it is more reliable to buy a house after going around in circles.

But once this wealth fund company appears, it is equivalent to an additional reliable investment channel, and it is also a channel for investment and financial management provided by Qunxing Capital for the middle and lower class groups.

And the middle and lower class people, and a large number of people can't even afford to buy a house, this group is also the object of Fang Hong's support, and the threshold of the wealth fund company's wealth management products is definitely lower than that of investing in buying a house.

Don't you have to go crazy?

Fang Hongyan said succinctly: "Therefore, we have to limit purchases, and we have to set up cards at all levels to ensure that this group really benefits." ”

Hearing this, the beautiful assistant couldn't help but be curious: "Have you thought about it?" ”

After speaking, he was ready to continue to unfold the memo posture, Fang Hong nodded and said in a deep voice: "First of all, the family is the unit, the single group is no longer among them, if you want me to help you make money and manage your finances, you must first marry me and have children." ”

"Secondly, the investment ceiling of a family unit shall not be higher than 1 million yuan, so those who can take root in first-tier cities are excluded, and this group may also have difficulties and pressures, but no matter how difficult they are, the family assets will not be less than one million, and the group we are facing is a group of people who are more difficult than them."

"Under that, it is necessary to draw on the experience of the education grant fund and adopt the allocation of indicators according to the proportion of the population of the province and its income structure. For example, if the central and western regions have a large population and lower income than the coastal areas, more quotas will be given here to let more people get on the bus. ”

"Finally, the family unit that wants to get on the bus needs to take the initiative to take the initiative to declare to the office under the wealth fund company, and the number of declared places is lower than the given number of index places, and the remaining indicators are transferred to other regions, otherwise the number of declared places is more than the given number of index places, and it will be decided in the form of lottery."

Tian Jiayi, who was making a memo, couldn't help laughing and said: "Don't think about it, the provinces must be over-declared, and the meat is not enough at all, such a good thing, I am afraid that the declarant will break the threshold of the office of the wealth fund company at that time." ”

……