He won 900 million in the lottery.

Three people, one meal, a simple seafood feast.

Me: "When does that CEO training program start?"

Dongling: "After the National Day holiday."

Zhong Qing: "So you're going to take the CEO training program?"

Me: "What, is that not allowed?"

Zhong Qing: "Dong Ling got me a spot in the CEO training program last month. I should have realized it was you back then. I should have charged you."

I asked curiously, "Did you run the CEO training program?"

Zhong Qing blushed, and Dong Ling teased her from the side, "See, it's the same question I had back then."

I completely don't understand what they're laughing at.

Dong Ling: "When I enrolled you in the CEO training program, I happened to meet Zhong Qing. She said she would leave it to her, and that's what I asked her at the time."

Me: "So, did you actually do it?"

Zhong Qing rolled her eyes: "The lecturer is my grandfather. I'll give you special treatment so you can sneak in."

…………

Damn, this is completely outrageous.

Me: "Sister, I'm not attending the CEO training program to save money, I'm attending to learn how to spend money. What will the instructors think of me?"

Zhong Qing: "What can he think? I've heard those things he talks about every day since I was a child. They're so annoying."

Indeed, some people spend their entire lives working themselves to death on the road to Rome, while others are born in Rome.

Me: "Why haven't I heard you guys talk about your studies or work?"

Zhong Qing: "It's inconvenient because there are outsiders present."

outsider?

Who is that outsider?

I touched my nose to ease the awkwardness: "Is the topic too advanced? Are you worried I won't understand?"

Dong Ling: "There's a confidentiality agreement; you're not high enough in rank."

Zhong Qing hugged Dong Ling's shoulders and laughed, "You still lost by half a point in the end."

I shrugged: "This isn't a matter of personal ability, nor is it a matter of financial resources; it's a matter of social class, and it can't be solved."

Zhong Qing: "It's good that you understand."

I suspect this girl is hinting at something, but I have no proof.

Yes, some things can't be accessed just by having money and brains.

In the current social environment, there is a threshold, which is called "within the system".

The time spent eating with a beautiful woman is always too short. After the meal, Zhong Qing had to leave because of class.

I held Dongling's hand and we strolled through the campus.

Me: "Lingling, I've noticed that no one's pursuing you. You're so pretty!"

Dong Ling: "Yes, later when I was a graduate student, I accompanied my professor on a project. Those men were very annoying and affected my work. My professor dealt with those men, and then no one bothered me anymore."

I'm really curious about what kind of person Dongling's mentor is, but I won't ask questions I shouldn't.

If there's anything besides sleeping that allows Dongling and me to forget about time, it's the library at Renmin University.

We should read books.

The sea of ​​knowledge is boundless.

Life-long learning.

Spend more time reading and less time on your phone; you're sure to gain something from it. The pleasure of gaining something through reading is incomparable to ordinary entertainment.

While I was reading, Qiuya sent me a message saying that the marine catch supply project had been finalized and she had sent me the details and the contract.

Qiuya's abilities are even more impressive than I imagined.

Indeed, our country has never lacked capable people; what it lacks is the opportunity for these people to demonstrate their abilities.

Currently.

The mobile phone purchase, totaling 145 million from the investment company and 290 million from the project company, has been fully paid.

The short-term loan of 100 million has been fully repaid.

A supplier for the marine salvage project is about to be established.

Dong Ling frowned; she knew everything I had done.

Dongling: "Your investment approach is unhealthy, and there are also problems with the establishment of your investment company."

This was the first time Dongling had formally given me advice from the company.

Dong Ling: "Honey, are you just playing around with this company, or are you planning to make it big and successful?"

Me: "What's the difference?"

Dong Ling: "If it's just for fun, then whether you make money or not is not important. But your company won't last more than six months before it goes bankrupt."

Me: "How so?"

Dong Ling: "Investment has a cost. Its cost is not only higher than interest, but also has to outpace currency depreciation. 7 million is not a small amount. At an annualized interest rate of 10%, plus the rate of currency depreciation, the annualized return is 6.83%. In reality, you need to earn about 76,000 per month. That is your cost."

Me: "Making 76,000 is the cost; if you don't make that, you lose money?"

Dong Ling nodded.

This is a new theory, a new field for me, and I need to digest it thoroughly.

Me: "What if I want to make money?"

Dong Ling smiled and said to me, "Don't use your own money to become a bloodsucker capitalist, a parasite on money."

The core of an investment company's business model revolves around fundraising, investment operations, and profit generation. Different models differ significantly in terms of funding sources, profit-making methods, and risk-bearing.

1. Proprietary Investment Model: The company invests using its own funds, commonly in stocks, bonds, equity, and real estate, profiting by buying low and selling high or receiving dividends. This model requires the company to bear all the risks, placing extremely high demands on its financial strength and investment research capabilities.

2. Asset Management Model: This model targets high-net-worth individuals or institutional clients, managing their assets on their behalf and customizing investment plans according to their risk preferences. Profits are generated through fixed management fees, while investment risks are primarily borne by the client. Some agreements may stipulate a share of excess returns.

3. Fund Management Model: Funds are raised from the public or institutional investors through the issuance of private equity, securities investment, and other funds, which are then invested in corresponding asset sectors. The company earns management fees and performance-based compensation, while the risks are shared by investors in proportion to their fund shareholdings.

4. Investment Advisory Model: This model does not directly manage client assets, but only provides investment advice and asset allocation solutions. Revenue comes from fixed advisory fees. Its core competitiveness lies in professional market research and accurate investment analysis capabilities, and it bears virtually no investment risk.

Dong Ling: "The first type relies on financial strength, which is not recommended for beginners; the second type relies on personal connections, which can be built from small to large, with benchmarks for each stage; the third type relies on institutions, which have high barriers to entry, not financial barriers but barriers of the kind; the fourth type is for individual investors, private wealth management, and private equity funds, which are ubiquitous in the market, but are not respectable and are prone to running away. If you succeed, you can become a god overnight, but if you fail, you will be doomed."

Me: "At this stage, we'll start by managing clients' finances, and then we'll launch steps 1, 2, and 3 in full force!"

Dongling: "Now that we have the blueprint, we need to draw up the specific framework. Investment companies are different from others. They can't be like makeshift troupes putting on a show. They must be legal and compliant from the very beginning. Otherwise, they can easily be uprooted and fail to grow as they grow."

I. Define the company's positioning and legal structure

II. Obtaining Compliance Qualifications and Licenses

III. Building a Professional Team and Integrating Resources

IV. Fundraising and Risk Management

V. Formulating Investment Strategies and Operations

VI. Sustainable Development and Brand Building

Sure enough, I was a self-taught amateur, while Dongling was the real deal.