Chapter 169: Heart to Heart
The price of the private placement will not be lower than 9.95 yuan, which is close to the average price of the 20 trading days. Moreover, this price is not the final price. With the rise in the past few days, it must be higher. Zhang Yiru has learned this and naturally understands it.
Gu Junhao mainly wanted her to take a look at the lock-in period and see what a semi-professional outsider thought of it.
"60 months, five years?" After seeing the lock-up period for the controlling shareholder and the actual controller on the first line, Zhang Yiru was also a little surprised. In her opinion, the growth rate of securities companies is always limited except in a bull market.
Under the current market conditions , there is great potential for development in areas such as the Internet and mobile communications. At the very least, real estate in first- and second-tier cities is a good means of preserving and increasing value. It is surprising that such a large amount of funds is allocated to a small brokerage firm and is locked up for such a long period of time.
"Are you surprised? The lock-in period is very long, right?" Gu Junhao said to her with a smile.
"That's true. If we don't consider the long-term bull market in the stock market, this amount of money is not much different from a fixed deposit, and it also involves huge risks." Zhang Yiru nodded, and at the same time she suddenly realized that this was what Xiao Gu was laughing at.
Although these lock-up periods are within a reasonable range, Zhang Yiru doesn't understand why such a large amount of funds would be used in this way. Is a bull market really coming?
The business of securities companies is relatively fixed, and it is impossible for them to make unlimited cross-border investments and hype concepts like some private listed companies. With such a large amount of private placement, do not underestimate the sensitivity of these funds.
Zhang Yiru, who has academic qualifications, professional background, and has experienced the baptism of the workplace for some time, naturally has a deeper understanding of this information than ordinary people.
Then, Zhang Yiru also remembered that the threshold for bank loans seemed to be much looser than before. Thinking of this, Zhang Yiru's heart trembled and her eyes were fixed on Gu Junhao.
"Why are you looking at me like that?" Seeing Zhang Yiru looking at him straight like that, Gu Junhao thought that she was still thinking about whether Xibu Securities was among Junshi No. 1's holdings.
"When did you know that the bull market was coming?" After staring for a while, Zhang Yiru said slowly.
Where will the money from the bank eventually go? There are only a few places. There is also a saying that securities companies will take the lead in the bull market. Combining various information sources, it is not difficult for Zhang Yiru to guess that Gu Junhao's purpose of setting up a private equity company in a hurry is to raise a sum of funds before the bull market, and then take off in the bull market to realize his own ideals.
"Hmm? You reacted very quickly. If I said that I felt there would be a bull market the moment I decided to quit my job and trade stocks full-time, would you believe me?"
Zhang Yiru's questions made Gu Junhao realize that not only was he growing, but she was also growing with him. It was undoubtedly excellent that she could analyze her own conclusions through a small announcement and combined with her own work situation in such a short period of time.
"I believe it. Actually, I was not happy when you asked me to read the announcement just now. I don't trade stocks, so what's the point of reading such an announcement? But when I saw that the amount of the fixed increase was so large, combined with some of my experiences at work, I already remembered why you set up the fund company in a hurry in the first place."
"Awesome! This is the second person who said this to me." Gu Junhao said to Zhang Yiru with a smile.
"Who's the first one?"
"Xiao Su, Su Mingyu, have you forgotten that he also analyzed it when we were playing together in Hangzhou last time?"
"Oh, yes. He seemed to have said that at that time, but it wasn't obvious at the time. I just thought it was a kid bragging. Now, combined with some recent news, Xiao Su is really quite impressive."
It was still early June, and more than a month had passed. Even an ordinary person like Su Mingyu could conclude that the market would have a big wave of momentum just through his own analysis, not to mention those funds that were foresighted. The capital market was truly full of hidden dragons and crouching tigers.
Now that things have come to this, Gu Junhao slowly and carefully told Zhang Yiru his analysis of why he quit his job to invest in stocks, judging from the macro-economy, policies, and the explosion of existing financing funds.
Before they knew it, Gu Junhao and Zhang Yiru had been sitting on the sofa for more than an hour. This was the first time they had talked for so long about a topic related to their professions.
The reason why Gu Junhao explained so seriously was that he realized that Zhang Yiru had grown up and was able to digest this information; when a person receives too much information related to his or her career field and only has a superficial understanding of it, it is not necessarily a good thing.
Of course, the most important reason is that he was reborn through time travel. Gu Junhao couldn't explain this in detail to Zhang Yiru, nor could he explain it to anyone else.
"Where did you learn all this?" Gu Junhao's words did not make her feel boring, but rather very interesting. She was also surprised at Gu Junhao's knowledge reserves. This did not sound like something that a high school graduate could say.
"Don't look down on me so much, okay? I just didn't do well in the college entrance examination and didn't get into the ideal university. If I really had to repeat a year, I wouldn't necessarily be worse than you."
This was the only explanation. Gu Junhao then added, "Although finance is huge, it also has its own unique charm. If ordinary people want to achieve a social leap, finance is actually the fastest way."
"That's true. People say that house prices have increased a lot in recent years, or will continue to increase. But how many people can afford hundreds of thousands or millions of dollars to buy a house? It's different with stock trading. You can take a gamble with tens of thousands of dollars." Zhang Yiru also agrees with this point.
“Yes, I made my first pot of gold with 20,000 yuan. After learning some knowledge, I realized it was an opportunity, so I thought about giving it a try.
Besides, my risk was not that big at that time. I didn’t borrow money to invest in stocks, and I had enough money to live on. If I really lost money, I could just find a job in a factory. “Being young and not borrowing money to invest in stocks was actually my biggest way out at that time.
Excluding the factor of time travel and rebirth, life is actually just like stock trading. When the risks are controllable and the investment is promising, taking a brave step is actually a kind of coolness.
"Then why did you do private equity if you were doing well at the time? Wouldn't it be better to make some money and retire? There would be no need to be as busy as you are now?"
"That's easier said than done. Human desires are endless. After making some money, one will want to make more. What if I can't control myself by then? I'm afraid of accidents." Gu Junhao understood what Zhang Yiru meant. It was nothing more than doing private equity. It was hard to run a company, and the management fees were not high. It was better to have more freedom by trading stocks on one's own.
"That's true, haha. But you are also very cunning. There is no fee for fund losses, and there is also profit sharing." When talking about this, Zhang Yiru also thought of the charging model of Junshi No. 1. Xiao Gu really put a lot of thought into it. He could not only win the jackpot in the market, but also make enough profit, without losing money on both sides.
"Haha, how can this be called sneaky? I'm just applying the rules reasonably. But, don't you blame me for not telling you my analysis before?" You know, if I had told Zhang Yiru at that time, based on her trust in me, we could have made a lot of profit together.
"No blame, I wasn't that interested in stock trading to begin with, so I went to the bank for an internship. And you were also sharing your delivery notes on Taoguba in real time at that time, so if I really wanted to buy, I could have followed you, and Huanhuan made a fortune."
After saying this, Zhang Yiru looked at Gu Junhao deeply and said, "Besides, think about it, neither of us is materialistic. Even if you don't make a lot of money, our salaries are enough to spend. As for buying a house and a car, that's only a few years later."
Zhang Yiru's words made Gu Junhao silent for a while. He didn't need much. People who trade stocks actually don't care much about relative boredom and the desire for feasting and revelry.
And Zhang Yiru herself is indeed as she said, she does not have strong material desires. She spends more when she has money, and spends less when she has no money. When she is with Gu Junhao, she can eat in high-end restaurants and also go to small roadside stalls and shops.
No matter the gifts I give her are ordinary or expensive, she will treat them equally and be equally happy.
"What a good girl, I must cherish her! " Gu Junhao stared at Zhang Yiru, with such thoughts rising in his mind, and then he reached out and held her hand tightly.
Zhang Yiru was stared at by Gu Junhao so affectionately that she felt a little embarrassed for a moment: "Why are you looking at me like that? I am telling the truth. I am really not interested in stocks, and I would not buy them even if I knew the bull market was coming."
"Why is that?" Gu Junhao was a little curious. Since he had this kind of analysis, it was not impossible to buy a small amount of stocks. There was no rule that bank employees could not buy stocks.
“First, you can make money by working hard, rather than taking risks in areas you are not interested in. Second, I have my career, and you have yours. If the stocks I buy are also held by you, how can I explain it clearly?
I won't feel guilty about being promoted to account manager ahead of schedule because of you, as our careers complement each other. But if I buy stocks and you are suspected of insider trading, that would be bad. I will also advise my parents not to touch these things. If they want to make money, they can buy your funds." Zhang Yiru said seriously.
"Thank you." Unexpectedly, Zhang Yiru even thought of all this. Gu Junhao didn't know what to say except to thank her.
"You're welcome."
"Don't worry, I will trade stocks honestly and won't let you worry." Gu Junhao hugged Zhang Yiru and said softly.
"Um."
