He won 900 million in the lottery.

I woke up at noon.

No matter how soft a hotel bed is, it's never as comfortable as sleeping at home. After sleeping for eight hours, I couldn't fall back asleep no matter how much I tossed and turned.

Just then, Sun Xiaowei sent me a WeChat message.

[Weiwei smiled]: "Mr. Shen, have you rested well?"

Me: "I just woke up."

[Weiwei smiled]: "I was just about to ask you for a monthly financial summary."

Me: "Let's eat and talk about the report."

[Weiwei smiled]: "The restaurant on the third floor of the hotel has already been booked with a private room."

specialized!

So professional!

The hotel is a hot spring hotel, and most guests are wearing bathrobes upon entering. The restaurant on the third floor specializes in seafood and has an elegant ambiance.

When I arrived at the private room, Sun Xiaowei was already sitting there waiting. Her smart business attire made her look exceptionally energetic.

Me: "So formal?"

Sun Xiaowei helplessly gestured towards the phone propped up beside her: "Monthly summaries are routine. As your private banking financial assistant, I need to upload the summary report to my superiors for record-keeping."

Me: "Live stream?"

Sun Xiaowei: "It's just that the videos are archived to the cloud server in real time to ensure that the content cannot be modified or deleted. This is the industry's risk control requirement."

I nodded in understanding: "Alright, let's begin the report."

Sun Xiaowei took out a folder and said solemnly, "Hello, Mr. Shen, I am Sun Xiaowei, a private banking senior wealth management manager from the Shanghai branch of the Industrial and Commercial Bank of China. I will now give you a monthly asset summary report."

"On August 21, 2023, you purchased 2 tons of gold at a price of 390 yuan/g, with a cash value of 780 million yuan at the time; you also had 10 million yuan in wealth management projects (annualized interest rate of 10%) and 2 million yuan in current account funds."

"As of September 20, 2023, the price of gold rose to 470 yuan/g, and 2 tons of gold currently has a cash value of 940 million yuan."

"The cumulative net income from the 1000 million yuan investment project during the same period was 82191.78 yuan."

Based on your asset situation, I have proposed three optimization plans for you:

"The first option is to maintain the existing portfolio. The head office's professional gold forecasting team believes that gold is still in a favorable cycle and is suitable for long-term holding."

"The second option is asset equity. The head office uses industry risk control data to screen promising startups from its internal high-level client resources, which can then participate in angel and seed round investments. This model is slower to show results, but has a higher long-term return."

"The third option is customized family trusts. For your extremely high net worth, the head office can tailor comprehensive services such as fund hedging, Hong Kong insurance allocation, and foreign exchange reserve planning."

Yes, the plan is comprehensive and professional, and certainly very attractive. But as a traditional Chinese person, nothing provides more peace of mind than gold. I decisively chose: "Keep it as it is."

Sun Xiaowei: "Okay. Thank you very much for listening to my summary. 1 point is the lowest score and 10 points is the highest score. Please rate my service."

Me: "10/10, very satisfied."

Sun Xiaowei: "Thank you for your recognition."

She turned off the recording equipment and her tone relaxed a bit: "Actually, your financial team and I also believe that holding physical gold is the safest option at present, after all, the situation abroad is unclear and uncertainty will continue for some time."

Me: "Okay. Now, I can invite Ms. Sun Xiaowei to experience the hotel's hot springs together."

Sun Xiaowei blushed slightly and nodded in agreement, "Of course, I have already booked a private hot spring for you for a week. The environment is very quiet."

Me: "Great, thank you for your hard work. Relax in a bit."

Sun Xiaowei: "You go ahead first, I'll change my clothes and come right away."

She called over a waiter and ordered the food to be delivered to the relaxation area of ​​her private hot spring.

Fifteen minutes later, Sun Xiaowei appeared at the edge of the hot spring bath, dressed in an elegant yukata. Her long hair was loosely tied up, accentuating her graceful figure. I chuckled softly, breaking the tranquil atmosphere. She stepped into the hot spring bath, pushing a plate floating on the water to my side. The plate was neatly arranged with sashimi, fruit, salad, and red wine, the rising steam making the ingredients appear even fresher.

Only when I got closer did I notice her fair skin, which appeared even more translucent in the warm spring water. She picked up a piece of salmon sashimi and offered it to me: "Mr. Shen, please try this. The sashimi here is very fresh."

I took it and tasted it; it had a refreshing and sweet flavor, and I casually gave it a compliment.

After soaking for a while, Sun Xiaowei offered, "President Shen, let me give you a shoulder massage."

I must say, her technique was quite professional. The pressure points were precisely placed on the acupoints in my neck and shoulders, and the soreness quickly dissipated. I was somewhat surprised: "Your technique is excellent; have you received formal training?"

Sun Xiaowei responded with a smile: "I learned it from my boyfriend. His family has been practicing traditional Chinese medicine for generations, so I learned some basic massage techniques from him."

Then I remembered that she was getting married at the end of the year, so I casually asked, "You're going to spend a week with me this time, doesn't your boyfriend mind?"

Sun Xiaowei bit her lip and said softly, "He knows this is work and he understands me very well."

During halftime, Sun Xiaowei picked up her glass of red wine and took a small sip. Her face was flushed from the steam of the hot spring. Remembering her earlier mention of traditional Chinese medicine, I asked curiously, "Could you tell me about your boyfriend's family's ancestral medical practices? I'm quite interested in traditional Chinese culture."

When Sun Xiaowei mentioned this, she immediately became animated, vividly recounting the story of her boyfriend's family's medical practice, praising their ancestral Chinese medicine techniques: "My skin is so good thanks to him using his family's secret recipe to treat it."

As I listened to her endless praise of her boyfriend, I deliberately teased her. She gave me a reproachful glare, and tiny ripples appeared on the surface of the hot spring.

"Go on, I'm really engrossed," I said with a smile.

Sun Xiaowei composed herself and continued speaking haltingly: "His family... has dozens of medical books, all passed down from the late Ming Dynasty, which are very precious."

My interest grew even stronger when I heard about the ancient books: "What do those medical books record?"

Seeing that I was only interested in medical books, Sun Xiaowei pretended to be dissatisfied and moved closer to me, resting her arm lightly on the edge of the pool: "Let me finish speaking first."

I teased, "Okay, take your time."

Her eyes were smiling, and her tone was somewhat mysterious: "His family's medical skills mainly focus on replenishing qi and nourishing the body. According to him, there are also a few pages of health preservation secrets passed down from the palace."

Before I finished speaking, I deliberately reached out and gently moved my hand underwater, causing her to gasp in surprise. She then laughed and dodged to the side. The warm spring water splashed up tiny droplets, shimmering under the light.

"Hehe, don't run away, beauty, I'm coming."

[With the weather getting colder, it's definitely worth experiencing a private hot spring if you have the time. Hot springs can relieve fatigue and are a great way to relax both body and mind.]

Back in my room, I lay down and smoked, while Sun Xiaowei quietly peeled fruit beside me.

I began by saying, "I started an investment company back in my hometown, but I'm a bit lost on how to develop it. I'd like to hear your professional advice."

Sun Xiaowei immediately dropped her relaxed demeanor and replied seriously, "Do you need my team to help with a detailed assessment? They are all professionals with extensive practical experience."

Me: "I don't need it yet. It's just a small-scale operation back in my hometown. I need to sort out my thoughts first."

I told Sun Xiaowei about the company's recent business situation, the bottlenecks we had encountered, and Qiuya's concerns about the company's future prospects.

She paused to think for a moment, then offered clear and logical advice: "First, stop all short-term investments in the form of loans; the risk is too high and could easily affect the security of the financial chain. Second, when investing in third- or fourth-tier cities, try to align with the local core industries and economy, and fit the regional development needs for greater stability. Third, prioritize equity partnerships or joint ventures to reduce unilateral risk. Fourth, don't stick to conventional tracks; small investment companies can ride the wave of successful companies to make money and accumulate resources, while large investment companies should dare to invest in promising startups to seize long-term returns."

Sun Xiaowei paused for a moment, then added, "President Shen, there's a thank-you ball at the hotel tonight. A friend of mine is from the Chaozhou Chamber of Commerce, and he also runs a startup investment company with very innovative ideas. I'll introduce you to him then; perhaps you can exchange some new ideas."

Me: "Okay, I do lack practical experience in this area right now, so it's good to exchange ideas."

Sun Xiaowei: "Based on your net worth, I suggest that you contact me promptly if you need to use more than 200 million yuan in the future. I will have my team conduct a comprehensive risk assessment for you to avoid making blind decisions."

Me: "Okay, got it."