Mr. Liu was puzzled in his heart, this is just to tell his wife, how did this stranger know?

He was also secretly thinking about the other party's origin, could it be that his personal privacy information was leaked? Or does the person have his own internal connections at the bank? There is a certain possibility.

The strange man was sloppy, and seemed unwilling to say more about this matter, and Mr. Liu also saw it, so he chose not to dwell on this matter, and his wife sat on the side silently.

After a while, the strange man smiled: "First of all, congratulations to Mr. Liu for winning the lottery, I won't tell you, our industry's view of this financial product is to make sure you don't lose money, Fang Hong's earning ability is needless to say, this financial product has what he is carrying, and it is difficult to lose money." ”

Mr. Liu also listened and agreed, and after chatting a few words, the strange man finally said the intention of visiting: "I will get straight to the point, my company hopes to reach a cooperation with Mr. Liu." ”

Hearing this, Mr. Liu stretched out his hand and said, "Please speak." ”

The strange man looked around the house for a moment, then looked back at Mr. Liu and said with a smile: "Presumably, after Mr. Liu buys the first phase of the wealth fund's wealth management products, I am afraid that there will be no additional funds to improve his life in a short period of time, such as changing to a more comfortable house to improve the living environment, giving your children better education support, and so on." ”

Mr. Liu nodded calmly and said, "Indeed." ”

The strange man then said, "Then has Mr. Liu considered solving these problems as soon as possible?" ”

Mr. Liu smiled helplessly and replied: "Then you have to be rich, right?" You just said, and you are indeed right, we do not have additional funds to do these life improvements, and we can only hope that this financial product will make money in a few years. ”

The strange man immediately said: "This is one of the main purposes of my rash visit, I can help Mr. Liu get a cash flow for life improvement as soon as possible." ”

Mr. Liu's wife next to him said: "Is there such a good thing? ”

Mr. Liu said quite calmly: "Please speak." ”

So, the strange man said in an orderly manner: "Mr. Liu, the cooperation I am talking about is that you can sell the right to the income of the first phase of the wealth fund you won the wealth fund in the next ten years to my company for a price of 2 million, as long as you agree, we can remit the 2 million cash to your designated account in a week or ten working days." ”

After hearing this, without waiting for Mr. Liu to speak, his wife suddenly preemptively said: "The ten-year income expectation of this wealth management product is 3.04 million, and if you open a price of 2 million, you will make a net profit of 1.04 million as soon as you change hands, which is too much." ”

The strange man hurriedly said: "Mrs. Liu, you can't say that, and you can't calculate the account like this, yes, that's right, my company wants to make a net profit of 1 million, but have you thought about it, after my company took over, it also took all the potential risks in the next ten years, which is not a rigid payment of capital and poly after all." ”

"You have made less than 1 million, but at the same time, the risks have all been passed on, and the monetary inflation in the next ten years has been passed on, if you count the currency depreciation at the inflation level of the ten-year period, my company will definitely not earn one million, at most five or six hundred thousand, isn't this the truth?"

Immediately afterwards, the strange man said: "Besides, you not only pass on the risk, but also can enjoy a high-quality life ten years in advance, and it is more than enough to buy a house in full immediately after getting these two million, no longer need to live in this kind of old and dilapidated, you can also buy a new car, and enjoy a high-quality life ten years in advance, which can not be measured simply with money, how many decades are there in life?" Isn't that the reason? Taking a step back, the two children are growing up day by day, but they don't wait for anyone, and they should be given better educational conditions at this time......"

The strange man talked endlessly, and Mr. Liu's wife was silent for a while, and after a while, she found that what he said was not unreasonable.

What is it about making so much money? Still not trying to get a better life?

It is true that there are not a few decades in life, and children are indeed growing up day by day, and children's education must not wait.

It's just a million dollars that can be exchanged for these, and it's not a loss to think about it.

Obviously, Mr. Liu's wife did not calculate this account clearly, on the surface, the other party only took the risk for ten years and made a price difference of about 1 million, but in fact it is far more than that, Mr. Liu's wife ignored a key point: compound interest.

With compound interest of 3 million, if you buy the right to income for 2 million in the next ten years, you will make a net profit of 1.04 million in the first ten years without calculating inflation, and the real windfall profit will be after ten years.

What about the second decade? With an annual income of 3 million yuan, 15 percentage points, the compound interest of rolling ten years is 12.1367 million yuan.

After Mr. and Mrs. Liu sold the future income rights in the first ten years, they still had a rolling compound interest of 1 million principal in the second ten years, which was 4 million, only one-third of the other party, and they also had to pay the bank ten years of interest, which would earn more than 3 million.

If it weren't for the expectation of income after the second decade, how could this strange man give such good conditions, in fact, he is just a fund broker, is to help another gold owner match, and this gold owner can not really wait for 20 years, as long as he gets the beneficiary rights in the next ten years, he will also pack for the second time to find the next family to take over, make less money as soon as possible and cash out early, as for whether the next family will go to the next family, that is not something he should care about.

Mr. Liu's wife didn't realize the compound interest for a while, but Mr. Liu himself was aware, but he seemed very calm at the moment, and he didn't say anything, and said with a smile: "Didn't you say before that this financial product is a sure profit and no loss?" ”

Hearing this, the strange man put his hand and said: "That's what I said, but Mr. Liu, you also know that this wealth management product is written in white and black is not principal-guaranteed, and there is a difference between the rigid payment of bank deposits. What if you don't make money? What if you lose it? These risks have been passed on to our company, and you guarantee at least the first ten years to make a steady profit of 2 million, the risks and benefits of this transaction are fair or not, you have a rod scale in your heart, right? ”

Mr. Liu nodded: "Indeed." ”

Hearing this, the strange man looked at him and couldn't help but say, "Then what is your intention......?" ”

Mr. Liu lowered his head and thought for a moment, then turned to look at the strange man: "That's it, Mr. Li, my wife and I suddenly combined, it may not be a big deal for a successful person like you, it's just a laughing deal, but for us ordinary people, it's not an exaggeration to say that it's a big deal, give me three days to think about it, and I'll give you an accurate answer no matter what, after three days, how about it?" ”

In fact, Mr. Liu has already made a decision in his heart at this moment, but he still has to delay the reply for three days.

When the strange man heard him say this, he naturally didn't want to chase after him and had to reply now, so he got up and said with a smile: "Understand, understand, it should be so, then wait for your news in three days, and the contemptible people won't bother much." ”

Mr. Liu got up to send the strange man out, and pointed to the business card in his hand and said, "That's the contact information above, right?" ”

The strange man nodded: "That's right, it's my phone number, you can call me at any time." ”

After a few polite words, the strange man left, and Mr. Liu closed the door and returned to the house, and his wife immediately asked, "What do you think about this?" ”

Mr. Liu sat down and said without hesitation: "Sell it to him." ”

…… (End of chapter)