Spring Thunder Chapter 0257: Step by step, step by step to win

Z Fund, Z is the first letter of Zero, representing the first fund starting from zero.
In addition, of course, we will also launch F Fund and S Fund...
Maintain a delicate balance, wrap a little shit in the candy, and use the clients' funds to make money for them and yourself in good years; if it is a bad year, the money of the big clients must be returned in full, and the money of the small clients must be divided into 30% and 70%.
Don’t regret your move, but admit your loss. After all, investing is risky, so be cautious when entering the market.
Nan Yi also told Scarlett that each person could only get ten shares of the Z Fund at most, as he wanted to expand the influence of the Z Fund as much as possible.
If the Z Fund is monopolized by a few people, then what's the point of it?
Scarlett went out to the big office to make the announcement, while Nan Yi was sitting in the small conference room looking through the fund's employee information.
After Scarlett took over Craig Fund, no one voluntarily resigned. This forced Nan Yi to screen carefully and kick out unqualified people.
It turns out that the main responsibility for the losses caused by the Craig Foundation must be borne by Craig Sr., but some employees of the Craig Foundation must also have a certain degree of responsibility.
Nan Yi was looking at the employee information. In the large office outside, after Scarlett announced the establishment of the Z Fund, the place immediately became noisy.
Principal guaranteed funds are nothing new, and other fund companies have also done them.
In fact, it is not difficult to fulfill the promise of capital preservation. Assuming that the initial size of a capital preservation fund is 100 million US dollars, it is necessary to ensure that the funds are no less than 110 million US dollars after three years.
In order to achieve the goal of protecting capital, the fund company will calculate how much money is needed to protect capital based on the three-year fixed deposit interest rate in the market.
If calculated based on an annual fixed interest rate of 4%, in order to achieve assets of US$110 million in three years, only US$89.8 million would be required to achieve the goal of capital preservation.
The remaining $10.8 million can be used to invest in high-risk, high-return investments.
Even if you lose everything, you still have not violated the promise of capital preservation. If you make money, you will have a chance to make ten or a hundred times the profit of 10.8 million US dollars.
After maturity, the fund company will settle with customers based on a fixed rate of return. Even if the rate is doubled, it can still make a profit of US$900 million.
Of course, it is impossible for fund companies to give their clients such high returns.
Precisely because there is not much psychological burden, fund companies dare to participate in ultra-high-risk investments and go into battle lightly, often achieving good results, and the funds can also gain a good reputation.
It’s just that human desires are endless. After one or two successes, they will feel that they are very capable. There is no need to “protect the capital” of clients’ funds and they can directly invest all funds in high-risk and high-return investments.
If you fail the first time, at most you will become a pauper and be hated by everyone; but if you succeed once or twice, you will really fall into the abyss and push yourself to the rooftop.
Z Fund will also push Nan Yi and Scarlett to the rooftop, but unlike others, the rooftop they are on is only 10 centimeters high.
Well, I'm free anyway, so I might as well dance for fun.
The Z Fund was originally intended to be open to the public, but after only half a day, it became known to everyone on Wall Street.
The investment banks just expressed their concern and guessed where the raised funds would be invested; but the funds went crazy. It didn’t work that way. Generally speaking, if a fund wants to trick people into investing in a fund product, it must package it.
It is impossible to tell customers about the difference investment method of capital preservation. Instead, we will tell customers that our fund has designed a stable investment method, investing in well-known stocks such as General Motors and Boeing, which have relatively stable stock prices.
By mixing in some investments that most people have only a vague understanding of, such as oil and hedge funds, your fund can look very high-end.
But how does the Z Fund work?
Just invest your money, don't talk nonsense, and don't ask me how I will do it. I am not in the mood to explain it to you. Just wait for five years, and then you will be gone with your principal and profits.
Simply put, the Z Fund uses Scarlett's reputation as collateral and only connects to funds from the upper-middle class. Clients don't have to worry about Scarlett ripping them off. Although Scarlett didn't use her own assets as collateral, her reputation far exceeds 500 million US dollars.
Who made her stab the Cox family, Scarlett Gold Company, and Pan American Investments behind their backs?
No matter which party it is, they cannot bear to see Scarlett's reputation damaged. If she messes up, the three companies will naturally cover her back. Not only is the principal guaranteed, but the rate of return is also intangibly guaranteed.
If the client only gets back the principal after five years, the overall evaluation of Scarlett and the forces behind her will decline. Instead of this, it would be better to grit her teeth and spit out another 300 million to make up for the rate of return.
On that day, shareholders of Scarlett Gold Mine Company called Scarlett to inquire about the Z Fund. Scarlett only said: "I will personally pay for the compensation."
Just this one sentence was enough to reassure the shareholders, and in order to show their friendship, many shareholders promised to buy some.
There are 2,500 units in total, and 500 units have been subscribed before the fund is officially announced. There is still a subscription limit, otherwise the shareholders would have bought them all.
The next day, in an inconspicuous position on the second page of the Wall Street Journal, there was a piece of tofu-sized space with a soft-text advertisement issued by Z Fund.
This made it difficult for those who wanted to invest in Z Fund to find it, and they had to use a magnifying glass to search for the customer hotline of Scarlett Fund.
Then, Scarlett Fund’s customer service hotline was flooded with calls from potential customers.
Don't put all your eggs in one basket. This theory is understood by all Chinese people who have made it to the middle class or above. Those with a lot of idle funds will invest their funds in high-risk, medium-risk, and low-risk areas according to a certain proportion to ensure that their funds will not be wiped out.
Generally speaking, the middle class tends to be more conservative in their investments, which is different from the risky investments of the lower classes. They will never take out even a tiny amount of money, two dollars, and invest it in a high-risk field that probably will definitely not give any return for a long time.
Funds like Z Fund, whose returns can outperform bank and government bond rates and whose risks are very low, are the best place for their low-risk investment budget.
It is easy to understand why the risk is low. After all, Scarlett is of a special status now, and her credit rating is extremely high.
This is not about a poor man with nothing patting his chest and using his life as collateral to borrow hundreds of thousands of dollars. A very heartbreaking answer is that the life of a poor man is so fragile that it cannot provide the credit guarantee needed to borrow hundreds of thousands of dollars. Even if you divide a few dozen by the same few dozen, it still won't work.
Clara Mendes was the one who took over the company affairs after Craig Sr. jumped off the building. She also assisted Craig Jr. in maintaining the company's business and prevented it from collapsing so quickly.
She has feelings for the Craig Fund, or rather, old Craig, because Clara is a graduate of Columbia University and old Craig is her mentor.
Therefore, even if she could not get her salary for the time being, she stayed to manage the clients' accounts according to their needs, and she was also in charge of the fund return work.
Clara, at first hearing this name, one would have the illusion that she is a beauty.
In fact, it was not the case. Clara was not only not good-looking, but also very ugly. Her face was covered with freckles and pits, like the moon. In particular, she had a mole on her left cheek, and there were three white hairs on the mole, which were curved and very long.
Nan Yi has actually seen several people with moles on their faces, and he has always been curious why they don’t cut off the long hairs on the moles. Wouldn’t a few long hairs make their flaws more obvious?
This kind of question was too hurtful to ask, so he never asked it and never got an answer.
Just like now, Nan Yi and Clara were sitting face to face, and he had no intention of satisfying his curiosity, so he let this question continue to weigh on his mind.
Next to Clara sat a middle-aged man with a bald head. He was completely bald in the middle, with only a little hair left on his temples . He had a high nose bridge, just like the lying Pinocchio.
His name is Moore Buchanan, and he and Clara are each other's right-hand men. The former glory of the Craig Fund was created by them with the help of Craig.
"You two take a look. On the first page is a layoff list. The people on this list will be laid off today. I'll have the company's legal counsel talk to you about it. Give them the compensation they deserve and let them go as soon as possible.
The second page is the observation list. I will give them a one-month observation period. If their performance is not satisfactory to me within this month, they will also be laid off. "
Nan Yi handed two lists to Clara and Moore. After looking at the first list, Clara said, "Adam, there are several people on the list who joined the company right after it was established, right..."
"Clara, first of all, the company is not a charity. Why should we keep people who can't bring benefits to the company? Secondly, they have been old employees for several years, but their performance is still so poor, which means they are not suitable for this job.
If they rely on the basic salary, their income can only cover the basic expenses of their families. Instead of wasting time here, they might as well take the plumber's certificate or the bricklayer's certificate. Doing these jobs will earn them more.
The moment this company was acquired, our boss Scarlett was already standing on the edge of the cliff. When you pleaded for them, you were pushing Scarlett one step forward.
If they lose their jobs, they can find new ones, but if the company goes bankrupt, Scarlett can only jump off the building like old Craig did.
If I say that the company wants to increase your salaries, but wants to tie your interests together, will you agree, Clara? Will you still beg for mercy?"
When Moore heard Nan Yi's words, he remained calm and his expression remained unchanged; but Clara's expression changed inexplicably, and it was obvious that she was struggling in her heart.
“If I were that rich, I would definitely donate so much,” “If I were the boss, I would definitely give a little more to my employees.” These are the simplest ideas of most utopian philanthropists.
But if his ancestors were really willing to let him become an entrepreneur, hehe, his ideas would become more simple. Wouldn't it be nice to use the money to buy a bigger house, travel abroad more often, and have a few more lovers?
We all eat grains and cereals, and none of us are Guanyin Bodhisattva. If everyone were to have such a high level of enlightenment, there would have been gods and Buddhas flying all over the sky.
Most people would find the word "generous" lonely, and would often insert the word "others" between them, letting them hold hands and sing together: "Ah, five rings..."
How to improve treatment?
Clara and Moore are now in the top management of Scarlett Company. If they take another step forward, they will be partners. Clara wants to cherish the old friendship, so she can use her own money to support them.
Nan Yi did not wait for Clara to make a clear statement, he continued: "The company will launch two more funds: K Fund and F Fund; 5% of Scarlett Gold's shares will be injected into K Fund, with an overall valuation of US$2.5 billion, and each share will be sold at US$1,000 per share, divided into 2.5 million shares.
There is no guarantee or commitment. It is only used to bet that Scarlett Gold Mine will be listed within three years and cash out after the valuation soars. After three years, if the bet loses, the 5% shares will be divided into 2.5 million shares, and the customers who bought the fund will claim them according to the number of fund shares they bought. "
Nan Yi wants to raise funds from retail investors, but does not want to actually sell out the shares.
Retail investors saw that although the valuation was a bit high, they still wanted to take a gamble. They didn't even look at who the shareholders of Scarlett Gold were, and the majority of the shares were in Scarlett's hands. If Scarlett Gold appreciated in value, Scarlett would make money on both ends.
If it becomes waste paper, Scarlett will be the first to be pitted, and the shareholders will definitely tear her up.
It's quite cost-effective to buy a few and keep them, taking a chance that Scarlett Gold will rise to a sky-high price. If you lose money, there are so many rich people in front of you to support you, so they will be the first to suffer.
“This is Fund K. Let me talk about Fund F. Fund F is a high-risk fund. We promise a return rate of -50% to 45%. We charge an annual fund management fee of 3% and share 30% of the profits as dividends.
There are two funds. Fund K is a guaranteed fund, while Fund F has a high risk, but the return will also be high. You two can decide between the two of you who will manage which fund. "
"Adam, how much dividend can I get if I manage the F Fund?" Moore asked.
"The management dividend is 0.7%, which is drawn according to the funds raised. If you raise 100 million US dollars, you can get 700,000 US dollars. Your subordinates will get a commission of 2.3% of the funds raised. If you raise 100,000 funds, they can take 2,300 US dollars."
"This commission is not high. There are too many funds on Wall Street whose commissions are higher than this." Moore was not very satisfied with the commission after hearing this.
“I know that although it is a high-risk fund, I dare to promise you privately that the annual return rate will definitely exceed 40%. Of course, I only say this in private.
As a strategic consultant of Scarlett Fund, I don't have any basic salary guarantee. Everything depends on the profit. Without profit, I won't get a penny of hard work fee, so you can rest assured that I am more concerned about the profitability of Scarlett Fund.
Therefore, when promoting the F Fund to the outside world, you might as well give some personal commitments and guarantees. Please note that it is "personal". Like other funds, the company will not make any promises to customers.
Although there is no promise, I don't mind you going to families like Vito Don Corleone [The Godfather] to raise funds. As long as they don't give us dirty money, we are happy to provide them with financial services.
They don't need any promises. If we lose their money, their gunmen will naturally come to us for an explanation.
You should think about it slowly. The closed period of Fund F is three years. Customers can redeem their funds after three years. They can redeem in advance, but they will only be given 30% of the principal. It is up to them to redeem or not.
I think you should understand the last point about when to tell the customers, which customers need to be told, and which ones just need to be reflected in the contract.
Okay, now, you can go out. When you have discussed it, let me know and then get moving. Guys, time is money. Don't waste each other's money. The damn sunshine, beach, beauties, and yachts are still waiting for me. "
After Nan Yi finished speaking, he lowered his head to look at the documents, not caring at all that Clara and Moore were still sitting there in a daze.
The two thought to themselves, "This young yellow monkey is too Wall Street."
After they finished expressing their feelings, Clara and Moore looked at each other before standing up and walking out.
Nan Yi continued to look through the materials in his hand. The materials in his hand were about Tiger Fund. Tiger Fund had been established for less than two years and had achieved dazzling results, with annualized returns of 67% and 75% respectively.
The information also shows that Tiger Fund is in contact with the world's first hedge fund, Jones Hedge Fund, and Jones Fund may hand over most of its assets to Tiger Fund for management.
Nan Yi has the idea of ​​secretly handing over part of the funds that F Fund has lured back to other hedge funds for management, such as Tiger Fund or Quantum Fund. He has not made a decision yet, and perhaps he will invest a little in both.
Scarlett Fund also needs to share risks, and all eggs cannot be put in one basket.
Cheating customers is a very bad strategy. The most perfect outcome is to make huge profits, give customers an explanation, and get high commissions from them.
For the rest of August and the first half of September, apart from taking time out to attend school interviews, Nan Yi spent almost all of his time at the Scarlett Fund.
Just as Scarlett expected, the Z Fund raised enough funds to close the market in a week. As soon as the funds arrived, 200 million US dollars flowed into Hong Kong, and the other 300 million flowed into Tokyo and was taken over by the Ikeda Company. Needless to say, the 300 million was definitely used to buy land and real estate.
Nan Yi lent 300 million to Ikeda Company in disguised form at an annual interest rate of 12%, and acted as the buyer, paying the interest out of his own pocket.
Wow, this sentiment is really admirable!
Anyone who invests in this kind of fund is like his ancestors smoking cigars on their own graves, and the smoke can be as thick as possible.
The situation of K Fund is not bad either. Customers are subscribing very enthusiastically. Although the funds raised are not much, it is still a long way from 2.5 billion.
It is not easy for Fund F. Scarlett Fund does not have a glorious history nor any well-known achievements. There are many high-risk funds. Why must we invest in a new fund?
Clara almost pulled out the three hairs on her mole out of worry. She was so regretful that she wondered why she chose Fund F. It would have been much better to manage Fund K.
Nan Yi was very dissatisfied with the fundraising progress of Fund F. It took more than half a month to raise only 5.6 million US dollars. What could this amount of money be used for?
Looking at the report Clara handed in, Nan Yi almost told her to go home and eat him.
However, he quickly thought about it and gave up. Clara was a management talent, not a business talent, and it was a bit too much to ask her to be in charge of the business.
Nan Yi sat in the office tapping his fingers, thinking for a while, then walked out of the office. When he passed by the front desk, he greeted the front desk beauty Jane again, "Hi, Jane, you look so beautiful today. Are you free tomorrow? I'll treat you to dinner."
"Hey Adam, I'm free, what time?"
"You're so mean!" Nan Yi muttered in his heart, and said to Jian with a smile: "It's hard to say now, I'll tell you tomorrow."
"OK, I'll wait for your news."
There was no way to avoid this dinner, and tomorrow I had to strike a good balance so that Jane would understand that they were just colleagues having dinner together and there was no other implication.
After going downstairs and getting in his car, Nan Yi said to the colonel, "Do you remember the black man with the child I met in Central Park last time?"
"certainly."
"Find out where he works now and find out how he's doing. Also, there's a seafood salesman named Belfort on Long Island. Find him out and ask him if he's tired of dealing with fish and shrimp every day. If he is, ask him if he'd like to work on Wall Street."
"clear."
"Drive, it's time to pick up the two little babies."
Amen started the car and drove towards Maria Private School. Soon he arrived at the school gate.
Nan Yi looked at the time and saw that there were still five minutes before school was over, so he sat in the car and waited. The weather in New York was quite hot today, so he didn't stand outside in the sun.
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