A perfect life begins with changing the timeline.

Li Mu accepted the invitation from Wang Fan with both hands, nodded slightly, and glanced at the female celebrity who was still staring at him with surprise.

After thinking for a moment, he took the initiative to ask:

"Is Professor Fan also here for the investment conference?"

"Well……"

Fan Bingbing blinked twice, forcibly suppressing her surprise, and nodded:

"Yes, is Reporter Li also one?"

At the same time, she noticed Wang Fan's surprised look and nodded politely to him.

Li Mu responded:

"Yes, that's right."

After receiving Li Mu's confirmation, a hint of surprise flashed in Fan Bingbing's eyes.

At this moment, Li Mu noticed that there were no more cars in front of her BMW, so he said:

"Then let's meet inside, Teacher Fan."

Following his prompting, Fan Bingbing then noticed that there were no more cars ahead.

But there were still quite a few vehicles behind her.

So he nodded:

"Okay, see you in a bit, Reporter Li."

"Um."

Li Mu nodded politely and watched the BMW driver hand over the invitation before following Wang Fan through the small door.

As he walked, he laughed and said:

"I didn't expect that Teacher Fan would also be one of your clients."

"...To be honest, Mr. Li, I only just found out myself."

Wang Fan wondered to himself why this Mr. Li was called "Reporter Li." Could he be a reporter?

But he didn't lose his professionalism in his words:

"However, Mr. Li, rest assured, customer information within our Guangfa Bank's Dingjin Club is kept highly confidential. Protecting personal privacy is of paramount importance, even for public figures like Ms. Fan Bingbing. There will absolutely be no data leaks, so you don't need to worry about security."

"Yes, I believe you."

Li Mu nodded slightly, recalling the wheelchair-bound man's suggestion, and said to Wang Fan:

"Manager Wang, I'm not planning to put it in a fixed deposit anymore. Instead, I plan to deposit all my money into your bank and then we can draft a current account agreement. I've been thinking about it; the main thing about fixed deposits is earning interest, but lately I've become quite interested in investing..."

Before Li Mu could finish speaking, Wang Fan already understood what he meant.

Negotiated deposits are not uncommon, even in the case of widespread issuance. On the contrary, they are very common.

This was also the advice the wheelchair-bound man gave Li Mu in the dream.

To paraphrase the wheelchair-bound guy, it would have been foolish to have only been interested in the 8% to 10% interest rate for the 40 million in 2001.

We are now in the internet age, a golden age where opportunities abound and await discovery.

The right way is to make a big profit with a small investment and get something for nothing.

It's not very smart of you to confine yourself to the narrow definition of "safety" for a mere four million.

As soon as Li Mu finished speaking, Wang Fan nodded:

"That's also an option. A negotiated deposit does offer more convenient access to funds. And the interest rate we offer isn't low either. Currently, the current deposit rate is 0.99%, but I understand your needs, Mr. Li, so… to be frank, last month I negotiated a 20 million yuan negotiated deposit, and the interest rate I got from my supervisor was 3%. This rate far exceeds the 1.5% or 1.6% rates offered by other banks, which are typically around 60% higher. It's practically the highest in the industry…"

"Yes, that's fine."

"...?"

Wang Fan was taken aback when Li Mu nodded.

It only dawned on me then that Mr. Li... had agreed?

Li Mu glanced at his astonished expression and said directly:

"Then let's get the paperwork done tomorrow."

After being taught by the wheelchair-bound man and no longer fixated on trivial interest payments, Li Mu became more open-minded.

As he spoke, Wang Fan's face lit up with joy, and he made a solemn promise:

"Okay, Mr. Li, please trust Guangfa Bank, we will definitely not let you down."

……

The so-called Dingjin Club is actually located in a small building inside the headquarters of Guangfa Bank.

The building looks unremarkable from the outside, but according to Wang Fan, it has a hidden secret inside.

Whether there's any truth to it or not, there is certainly a big star among them.

"Hello, Mr. Li!"

Looking at Fan Bingbing standing at the entrance with a female bank employee, Li Mu was speechless at her form of address.

But he still smiled and nodded:

"Teacher Fan."

"Shall we go up together? It's my first time here, so we can keep each other company, what do you say?"

"OK."

Seeing her attempt to conceal her true intentions with sunglasses, Li Mu smiled and nodded.

After he agreed, Wang Fan and his colleague exchanged a glance and tacitly reached an understanding.

So Wang Fan said:

"Then let me take you both inside. Mr. Li, Ms. Fan, please."

After leading the two into the small building, Wang Fan explained the process of the investment meeting as they walked towards the elevator.

It's similar to the process Li Mu envisioned, where those above speak and those below listen. Only the atmosphere is more free.

As the elevator reached the floor, Li Mu saw a hall with a very administrative feel.

From the solid wood-style decor to the thick carpets underfoot, and the big bosses chatting and laughing in their large armchairs... the atmosphere is instantly created.

"Please find a seat, both of you. A staff member will come shortly..."

During Wang Fan's explanation, the two observed for a moment, and Fan Bingbing pointed:

"Let's sit over there."

As the two left, Wang Fan naturally stayed where he was, making sure they were seated before quickly leaving.

With the 40 million target achieved, he needs to hurry up and close deals.

"Reporter Li, I didn't expect to see you again so soon."

In the spacious sofa, the big star wearing sunglasses leaned to the left, bringing with him a pleasant fragrance.

"It's quite a coincidence."

Li Mu smiled slightly.

He smiled calmly, even with a hint of nonchalance.

Even though it was his first time here, he exuded a kind of "mature" self-restraint.

For some reason, Fan Bingbing suddenly had a feeling that "this person is quite mysterious".

She couldn't help but ask:

"Is this your first time here, Reporter Li?"

"right."

Li Mu nodded and casually said:

"We just reached a cooperation agreement with Guangfa Bank, and this is my first time participating in this event."

That's true...

There is nothing wrong with it.

He had indeed just won the lottery and had just agreed to deposit the money into the Guangzhou branch where Wang Fan worked, in the form of a negotiated deposit.

This is indeed my first time attending an investment conference like this.

But for some reason, the words took on a different meaning when they reached Fan Bingbing's ears.

That seems to mean:

"We've always worked with other banks before, and we've participated in other programs."

The ten million yuan threshold for Dingjin Club is just enough for Fan Bingbing.

So when Li Mu said those words, she didn't even realize that her impression of this reporter, Li, had gained an added layer of mystery in addition to her "sophisticated" demeanor.

A hint of surprise flashed in her eyes.

Just as he was about to say something, suddenly, a voice rang out:

"Greetings, both of you."

Fan Bingbing subconsciously looked up and saw a chubby man, about 30 years old, dressed in a suit and tie, standing politely smiling in front of the two of them.

"I am Zhao Fengrui, a senior account manager at Haitian Investment Consulting. This is my business card. It is an honor to meet you both."

Just as Li Mu was wondering where the "Zhao Fengrui" the wheelchair-bound man was talking about was, the man himself came to his door and handed him his business card.