Reborn, back to a small county town to become a wealthy family

Chapter 814 Fighting
Four or five minutes later, Luo Yang also came out in his pajamas.

"What are you talking about? It's so lively."

"Let's talk about whether you've been completely drained."

Dong Xuan made a joke, then asked, "Red wine or champagne?"

"Champagne, please."

Luo Yang didn't join the racing. After sitting down, he lit a cigarette and spaced out for a few seconds.

"Look at her, she looks like she's been completely drained."

Dong Xuan handed Luo Yang a glass of champagne, saying jokingly, "Looks like you were quite busy negotiating business in Hengdian yesterday."

"hehe."

Once he came to his senses, Luo Yang retorted, "I'm a man with a net worth of tens of billions, what's a few hundred million? It's nothing."

"cluck"

The double entendre made all three women burst into laughter.

Chu Weiwei, in particular, laughed so hard her whole body was shaking. Her movements were a little too exaggerated, so much so that the snow-white rabbit escaped.

"Boss Luo, when will you start launching the second fund product?"

After laughing, Dong Xuan suddenly asked about Gray Rhino Capital.

Why are you suddenly interested in this?

Luo Yang took a sip of champagne, using the time while drinking to think about why she inquired about fund products.

"Based on the information you previously revealed, I suspect that the first fund product launched by Gray Rhino must have made a fortune."

Dong Xuan sighed, "The thought that I can only get a maximum of 50% return on my principal, and after deducting the cost of the bridge loan, there's hardly anything left in my hand, it makes me feel uneasy."

At the Wealth Code dinner last time, Dong Xuan also purchased two fund products.

Because the principal was borrowed and the bridging cost was as high as 15%, she could only receive a maximum of 35% of the principal return.

"You don't even need to put up any principal. In just three or four months, you can make 70 US dollars out of thin air, like getting something for nothing. Isn't that great?"

Luo Yang curled his lip and said, "President Dong has seen so many transactions involving hundreds of millions of yuan in the bank that he looks down on a few million yuan?"

70 US dollars, which is equivalent to more than 450 million RMB, could buy a 100-square-meter apartment in Shanghai, even in the city center, in cash 12 years ago. It's not a small amount of money no matter how you look at it.

"I bought a large apartment in Shanghai for a little over 2000 million yuan. I put down 400 million yuan as a down payment, and spent more than 300 million yuan on renovations, which has exhausted my savings. I didn't have much money left, and now I have to worry about the nearly 3000 million yuan mortgage."

Dong Xuan feigned poverty, saying, "Shanghai is a big city, and it's not easy to live here. You're a big boss, so you don't have this kind of worry. We're just ordinary people with small business owners, and we live frugally. Now that we know you have connections, we have to seize the opportunity!"

"A 3000 million mortgage?"

Luo Yang was startled when he first heard the number.

However, if you calm down and do the math carefully, it's not an exaggeration. A commercial loan of 1600 million yuan with a repayment period of 20 to 30 years would amount to about 3000 million yuan in repayments based on current loan interest rates.

How much do you earn in a year now?

"Not counting bonuses, I can earn about 300,000 to 400,000 a year."

Dong Xuan candidly revealed, "This is my annual salary after I became the deputy branch manager. Before, when I was in charge of the credit department, my annual salary was more than 100,000 yuan less. Even with bonuses, it was only about 70 or 80 yuan a year."

Even if we look at it ten years from now, an annual income of 700,000 to 800,000 would definitely be considered a high salary.

Moreover, Dong Xuan's job is relatively stable.

However, relative to her spending...
Luo Yang suddenly remembered a news story from his previous life, about a female elite in the financial industry in Shanghai. During the years when the economy was good, her annual income was about 700,000 to 800,000 yuan, or even more. As a result, she was overjoyed and bought a large apartment in Shanghai for tens of millions of yuan.

As we all know, in the following years, the economy plummeted, incomes in the financial industry also decreased sharply, and the real estate market collapsed, with house prices falling drastically. Even after selling her house, she was still insolvent, and in the end, this female elite jumped off a building.
After speaking about herself, Dong Xuan looked at the other two.

“Weiwei is a little better off. She’s a native of Shanghai and her family is well-off, so she can use her annual income of over 100,000 yuan as pocket money.”

Dong Xuan said to herself, "Shanshan has suffered. She was already under a lot of pressure from taking out a loan to buy a house in Shanghai. If you hadn't helped her pay off the loan, with her meager salary, she wouldn't even be able to afford expensive clothes and cosmetics. Mr. Luo, are you really willing to let your woman suffer?"

Although Luo Yang had helped Cong Shanshan earn nearly a million yuan in extra income in previous business dealings, enabling her to pay off her mortgage, she still felt a little embarrassed after Dong Xuan's comment.

Is one million a lot?
Even ten years from now, this number will still be considerable for most ordinary people.

Don't be fooled by the exaggerated claims on TikTok that everyone has millions in savings. In reality, at least half of the people have less than 10 yuan in savings, and the vast majority of families don't even have 100 million yuan in savings.

However, for the women around Luo Yang, this number is actually not that many.

Jiang Fan is a different story; she doesn't need Luo Yang to give her money because her family has assets worth billions or even tens of billions.

Although Jiang Wen's family wasn't well-off, Luo Yang gave her 8 million yuan as a down payment for a house, a Nayuki milk tea franchise, and arranged for her to open a chain of medical aesthetic institutions. In three to five years, it wouldn't be a problem for her to have assets exceeding 100 million yuan.

Cao Zixi not only gave her business opportunities, but also gifted her a villa in Songjiang, which amounted to tens of millions of yuan in total.

Although Xiang Wanwan didn't give any money herself, Luo Yang spent tens of millions to help her family solve their bankruptcy problem. Afterwards, he also provided her family's textile factory with a steady stream of business, all of which would become income for the porcelain doll family.

As for the others in the company, Luo Yang only gave them positions, and at a certain stage, he would also give them shares. If you really think about it, their treatment was the best.

As for Cong Shanshan and Chu Weiwei, Luo Yang has only given them one or two million so far, and that was through business commissions. Compared to the other women, it's rather meager.

Regarding the fund products, if you want to participate, I will reserve a share for you.

After thinking for a moment, Luo Yang arranged, "But that requires principal, and the subsequent fund products have a relatively long cycle, so they are considered long-term investments and can only be regarded as a type of financial product. Forget it, you each take out 20 yuan, and I will help you invest. I will pay you back the principal and interest next year."

As soon as he finished speaking, Dong Xuan's eyes lit up.

Bitcoin?

Dong Xuan mouthed something to Luo Yang, but didn't say anything.

Cong Shanshan and Chu Weiwei were a little confused.

"Boss Luo, with an initial investment of 20, how much profit can I expect?"

The crazy woman almost let something slip, but luckily she reacted quickly and recovered.

The key issue was that she got carried away and leaned over to grab Luo Yang's arm, intending to act cute. However, her movement was a little too forceful, and her nightgown suddenly came undone, revealing a glimpse of white skin that instantly caught Luo Yang's eye. Fortunately, Dong Xuan and Cong Shanshan were currently focused on how much the 20 yuan profit would amount to, and didn't have time to tease this crazy girl.

"I still do not know yet."

Luo Yang didn't intend to reveal the 100-fold return result right now, and conservatively said, "But the return should not be less than 5 million."

"A 25-fold return!?"

Cong Shanshan screamed and instinctively covered her mouth.

Her eyes were wide open, devoid of any allure, filled only with surprise and disbelief.

Dong Xuan, however, had a completely different expression on her face.

During dinner, she overheard Luo Yang and Wen Wan's conversation. The current trading price of Bitcoin is around 11 US dollars. Luo Yang instructed Wen Wan to buy 20 to 150 Bitcoins before the end of the year, with a total cost of about 15 million to 200 million US dollars.

Based on a 25-fold return, wouldn't Luo Yang earn around 4000 to 5000 million US dollars?
This was done using a private account, meaning the man's secret stash of money has increased by several hundred million yuan.
I'm a little unwilling to accept it.

"How about we buy some ourselves privately?"

Dong Xuan secretly thought to herself that she couldn't afford to buy more, but she could afford to spend tens of thousands of US dollars to acquire one or two thousand pieces.

If we sell it quietly then, we can make four or five million US dollars, right?

Thinking of this, she glanced at Luo Yang guiltily.

Unexpectedly, I met his eyes immediately, and they were filled with a profound look.

How could Luo Yang not see through Dong Xuan's thoughts?

With Cong Shanshan and Chu Weiwei still present, he didn't say much.

I'll definitely give Dong Xuan a warning in private later.

She could easily buy a few thousand or even ten or twenty thousand coins herself. The key issue is that if this news gets out, especially coming from the mouth of a branch vice president of a commercial bank, no one knows how far it will spread.

But it's definitely not a good thing.

So what our ancestors said was absolutely right: secrets are the best policy, and leaks lead to ruin. Be as cautious at the end as at the beginning, and you will not fail.

I shouldn't have made that call in front of Dong Xuan in the private room.

He got a little carried away.
"Can you earn so much?"

Overcome with excitement, Chu Weiwei sat down in Luo Yang's lap, wrapped her arms around his neck, and said coquettishly, "Then can't we put in more capital? That way we can earn more, right?"

"You work in the financial industry, don't you know that some investments should only be done in moderation?"

Luo Yang certainly wouldn't let such a good opportunity slip by, and immediately seized the chance to explain: "Just like stock trading, even if you have inside information and know that a certain stock will be driven up by a major player in the near future, can you blindly follow the major player?"

The three women present are all from this circle, so they must understand this principle.

Just like Luo Yang said, if the total number of shares of this stock in circulation is only about one billion, would you dare to go all in and invest hundreds of millions?

If you dare to do this, the big players behind it will immediately pull back the ladder and make you a shareholder of the company.

Let alone hundreds of millions, even if tens of millions of funds enter this small-scale market, the market maker behind it can immediately detect it and then find out the detailed information behind the funds through the securities company where the account was opened.

Dong Xuan immediately glanced at Luo Yang.

She understood; she knew Luo Yang was using this incident to warn her.

As for the deeper information, she couldn't understand it yet, but Dong Xuan was certain that Luo Yang would talk to her privately later.

"Okay, I was too greedy."

Chu Weiwei apologized immediately, but the process was brief because she couldn't suppress the joy brought by the future profits.

"500 million!"

The crazy girl happily left lip prints on Luo Yang's cheeks and said to Cong Shanshan, "Shanshan, with such a large sum of money, we can spend whatever we want on new bags, new fashions, high-end cosmetics, sports cars!"

"No, if I get this money, I plan to buy Mr. Luo's company's investment products."

Cong Shanshan and Chu Weiwei had different ideas: "Weiwei, didn't you hear what Dong Xing said earlier? President Luo's company's fund products are long-term investments with high annual returns. If you invest 500 million, even if the annual return is only about 15%, you'll still have 75 a year. You can use that money to consume and have a continuous flow of income!"

"See that, Chu Weiwei?"

Dong Xuan instructed Chu Weiwei, "In this regard, Shanshan has a longer-term vision and a better investment perspective than you."

Following Cong Shanshan's approach, a principal of 5 million yuan is not only substantial, but also yields an annual return of 750,000 yuan. Combined with a salary of over 200,000 yuan, the annual income would be around one million yuan. Even if half of that is used for expenses, it would still allow for a very comfortable life.

It will actually be more comfortable.

Because the 2000 yuan principal they gave Luo Yang will become around 20 million yuan by next year.

If this money is then invested in Gray Rhino's private equity fund products, even with an annual return of only 10%, it would still amount to 200 million yuan a year. This amount would be enough to enjoy a relatively high-end lifestyle even in a top-tier city like Shanghai.

"The geese are still flying in the sky, and you're already thinking about whether to stew them or braise them."

Seeing the constant smiles on the three people's faces, Luo Yang, with a mischievous urge, teased, "Putting aside the risks of investing, it's not certain whether we can earn this much. Even if we can, the purchase slots for the Gray Rhino Private Equity Fund will become increasingly valuable in the future, and it won't be easy to get an entry ticket."

As soon as he finished speaking, the smiles of Cong Shanshan and Chu Weiwei, except for Dong Xuan, froze, as if they had been suddenly put on pause.

The two quickly exchanged glances.

"Master, I wasn't full yet!"

Chu Weiwei's crazy temper flared up instantly. She immediately leaned close to Luo Yang's ear, whispered a seductive whisper, and then slid off him.

Before Cong Shanshan could cooperate, he started kissing her.

He didn't care that Dong Xuan was still watching from the side, because the motivation brought by 500 million and more benefits afterward was too strong.

Cong Shanshan wasn't as thick-skinned as Chu Weiwei. She managed to stand up, but she was a little at a loss.

She was a little embarrassed, so she glanced at Dong Xuan first.

I was surprised to see an encouraging look in your eyes.
Blushing, she looked at Chu Weiwei again, only to find that her best friend had saved a seat for her.
I'll give it my all for 500 million and more!
(End of this chapter)