After Paris Saint-Germain was removed from the list, I led England to victory!
Chapter 231 Analyst Lin's Financial Plan
The London night was deep, with only a few streetlights and the occasional car headlights passing by outside the window.
Yan Yuan finished his day's training.
I took a refreshing hot shower when I got home, my whole body steaming with heat, with only a white towel casually draped around my neck.
His muscular upper body was clearly defined under the warm bathroom light; he was both strong and good-looking.
He was haphazardly wiping his wet hair with another towel.
"I'm kind of handsome, I guess." Yan Yuan admired himself a little after looking in the mirror.
That's how guys are; they all think they're at their most handsome after taking a shower.
"Ring ring ring..."
Suddenly, the phone on the coffee table in the living room rang; it was Lin Jianwei's video call invitation.
Yan Yuan's lips immediately curled into a smile, and he quickly walked over, picked up his phone, and answered the call.
The screen lit up, and Lin Jianwei's beautiful face appeared.
She seemed to be leaning against the headboard, the soft light outlining her gentle features.
However, when her gaze focused on the other side of the screen, she saw Yan Yuan's upper body.
Her cheeks flushed instantly at a visible speed, her eyes darted around unconsciously for a moment, then couldn't help but quickly look back.
"Why aren't you dressed?" Her voice was filled with embarrassment and feigned composure.
Yan Yuan looked at her slightly flushed cheeks and sparkling eyes on the screen, and deliberately grinned mischievously as he brought the phone closer, even flexing his chest muscles slightly as if to show off.
"Just finished showering, still warm. Want to see? What, can't I even look at my own boyfriend's muscles? Didn't he say they felt good to the touch?"
"You pervert!" Lin Jianwei spat, her blush deepening, but she didn't look away. "Put your clothes on quickly, it's cold in London at night, don't catch a cold!"
"It's alright, the heating in the house is great, just as warm as your heart." Yan Yuan joked with a grin, but still obediently picked up the loose T-shirt that was tossed on the sofa next to him and put it on.
"But you, Weiwei, it's already 2 AM back home, isn't it? Why aren't you asleep yet? Missing me?"
Lin Jianwei, watching him put on his clothes, seemed to breathe a sigh of relief, but the shy admiration in her eyes hadn't completely faded.
She adjusted her posture, hugged her knees, and her voice softened.
"Hmm... I do miss you a little, and after watching the replay of your Champions League match, I can't sleep at all."
"The one against Paris?" Yan Yuan asked, drying his hair as he sat down on the sofa, his tone slightly relaxed.
"How was it? Those two kicks, especially the second one, weren't they awesome?"
"So handsome, so handsome, I'm dizzy with handsomeness," Lin Jianwei replied casually with a smile to Yan Yuan's teasing.
"Especially that one from zero angle, my dad was stunned. He jumped up from the sofa and shouted, 'That was amazing!' I didn't dare tell him that it was my boyfriend who scored it. I was holding it in so hard!" she said, then burst into laughter, her smile full of sweetness and pride.
The two chatted idly across the screen, sharing trivial and interesting things from their lives.
Yan Yuan vividly imitated Mbappe's bewildered expression after being speeded, making Lin Jianwei giggle. Lin Jianwei also shared with Yan Yuan the interesting things she encountered during her trip home for the Chinese New Year.
"Oh, right," Lin Jianwei cleared her throat, her expression becoming more serious, and took out her tablet and placed it in front of her.
"I have something important to report to you, Boss Yan, on this phone call."
"Hmm? Boss Yan? That's a new way to address you," Yan Yuan said, leaning back on the sofa with interest.
"I'd like to hear more details, Analyst Lin."
Lin Jianwei swiped a few times on the screen and brought up a well-made but clear chart page, which she then sent to Yan Yuan.
"This is something I've been doing lately because I've been bored at home."
"Given your explosive salary increase, the championship bonus, the League Cup final prize pool that's almost in your pocket, and all sorts of endorsement fees pouring in..."
When the topic of finance comes up, Lin Jianwei's demeanor changes noticeably; she becomes quite professional.
"To prevent your pounds from gathering dust and depreciating in some corner, or from being ignored by you, the absentee manager, I, Lin Jianwei, a top-tier private financial advisor, have tailored a 'Wealth Protection and Growth Plan V1.0' just for you!"
Want to hear it, Boss Yan?
Seeing Yan Yuan trying so hard to suppress his laughter, Lin Jianwei couldn't hold back anymore and burst out laughing.
"Yes, yes, Analyst Lin, please continue." Yan Yuan smiled and urged Lin Jianwei to continue.
She quickly became serious again, tapping the screen with her finger.
"The core idea can be summed up in eight words: safety first, long-term planning. Especially given the current situation in the UK, with Brexit dragging on and the market in disarray, stability is paramount."
"The first part is for survival." Lin Jianwei zoomed in on a section.
"My personal advice is to open a high-net-worth client account at a top UK bank, such as HSBC or Barclays, as soon as possible."
It contains enough for 12 to 24 months of living expenses, plus any large expenses you might need in case of... uh, in case of some unexpected situation.
This money is like your airbag; it's not about making money, it's just about lying there securely, so you can access it anytime, understand?
"I understand!" Yan Yuan nodded vigorously. "I just need to have a large sum of money that I can use anytime. That's no problem. Anyway, I don't really have any big expenses right now."
"Smart!" Lin Jianwei snapped his fingers and moved on to the next part, "Part Two, the most important part! Dealing with the Inland Revenue Department! You're now in the highest tax bracket in the UK, 45%!"
Mr. Yan, you earn so much money every year, but nearly half of it ends up going into Her Majesty the Queen's treasury.
Tell your sister the truth: does it hurt her heart?
Lin Jianwei also teased Yan Yuan.
"Nonsense, of course I feel sorry for you!" Yan Yuan immediately sat up straight.
"So we have to save money legally!" Lin Jianwei raised his index finger and began to list the magic weapons.
"Firstly, there's the issue of tax avoidance for pensions. In the UK, there's something called SIPP, which stands for Self-Invested Personal Pension Plan."
You can put up to £4 a year, and this money can be immediately deducted from your personal income tax. The investment returns are tax-free as they grow inside. When you withdraw the money in your old age, you will only pay partial tax.
This is one of the most efficient tax-saving tools for you, so you must make the most of it!
Yan Yuan's eyes lit up as he listened, and his mind began to work.
"Depositing 4 is equivalent to paying 4 less in taxes now, multiplied by 45%... that's a tax saving of 1.8? And the money inside can even generate more money? Deposit! Must deposit! This is great!"
"That's right, and there are also personal savings accounts!" Lin Jianwei added.
"There's also a £2 annual allowance, specifically for opening a stock and securities account to invest in stocks, funds, and the profits are completely tax-free! Not a single tax is required. Why not take advantage of this opportunity!"
Lin Jianwei paused, lowered his voice slightly, and added a hint of slyness.
"As for extra income such as portrait rights fees... in the future we can consider using a more advanced legal structure, such as setting up a compliant offshore trust to manage it, which can also avoid some potential problems with overseas assets."
However, this requires top-tier tax lawyers and accountants. I'm just suggesting you have this idea; the actual execution needs to be handled by professionals.
"This is simply Midas touch, Analyst Lin!" Yan Yuan exclaimed sincerely. "Saving taxes is making money. Now that you mention it, I think the tax bureau will have to avoid me from now on!"
"It's such a waste of your talent that you're not a money-manager! With you around, I can lie here in peace."
He looked at Lin Jianwei on the screen, who was explaining things earnestly, and found her confident and professional demeanor particularly charming.
Lin Jianwei proudly raised her cute chin.
"Of course, the next step is the core investment that truly makes money work for you."
Right now, the market is still unstable, and Brexit has caused widespread anxiety, so we can only seek stability and win by taking risks.
Lin Jianwei scrolled through a series of ETF and fund names on the screen.
"First of all, in terms of global core configuration, you have to follow the world economy to ensure a stable income regardless of drought or flood."
Secondly, while the UK domestic market is somewhat uncertain, the dividends from established large companies are stable, like unsinkable "iron towers," making long-term holding for interest a decent option, such as UK blue-chip stocks.
She swiped to the next card and said...
"Then there are emerging market equity funds, which can be allocated a small portion of your portfolio, as they have high potential for returns."
Finally, bonds are the ballast. You could consider UK government bonds or high-quality corporate bond funds; the more volatile the market, the more stable they are, ensuring you can sleep soundly at night.
"The most crucial thing is the pitching method," Lin Chien-wei emphasized.
"Xiao Yan, don't go all in and bet big in one go. It's too risky to bet a lot of money in one go just because you feel like it."
Do dollar-cost averaging! Regardless of market ups and downs, set aside a fixed amount, say £2 each month or periodically, and spread it across these baskets like feeding your account.
"There's plenty of time. Buy gradually, and the average cost will be lower, thus controlling the risk. Do you understand?"
"Holy crap..." After hearing this, Yan Yuan let out a long sigh of relief, his eyes filled with amazement and admiration.
"This is the first time I've realized that you are truly amazing, incredibly amazing, really!"
These things initially seemed a bit overwhelming, but you've managed to understand them so clearly and planned them out perfectly for me. Wow, I feel like the money I earn playing football for a whole season isn't as valuable as the taxes you've saved me and the future you've planned for me."
Lin Jianwei felt a little embarrassed by his praise and smiled.
"This is my specialty, and... I'm happy to do this for you, hehe (* /∇\*)"
She spoke the last three words softly, yet they carried a heavy weight.
"Hehe," Yan Yuan looked at her shy expression, feeling a tickle in his heart, and couldn't resist teasing her again.
"My Weiwei is truly a woman who can grace any occasion, cook in the kitchen, manage the accounts, and bring warmth to others..."
"Yan! Yuan! You you you..." Lin Jianwei's face instantly turned red, like a ripe apple.
She glared at him, embarrassed and annoyed, but couldn't help recalling those intimate moments. Her heart suddenly raced, and her voice became soft and weak.
"You...you're not allowed to talk nonsense! I...I want to sleep!"
"Alright, alright, I won't say anymore." Yan Yuan knew when to stop, but a mischievous smile still lingered on his face. "When you get back to London, shall we have a more in-depth discussion about 'financial management tips'?"
"I'm ignoring you! Goodnight!" Lin Jianwei was so embarrassed that she wanted to hang up the video call right away.
"Hey, no, no, I'm not kidding anymore," Yan Yuan quickly begged for mercy, his tone softening. "Be careful on your way back. Like I said, let me know when you get there. I miss you, I really miss you these past two days."
The last sincere expression of longing instantly soothed Lin Jianwei's embarrassment.
Looking into Yan Yuan's gentle eyes on the screen, her heart melted.
Seeing that it was getting really late, Yan Yuan urged her to go to sleep.
Lin Jianwei nodded reluctantly.
Just a second before he was about to hang up, Yan Yuan suddenly leaned closer to the screen, his voice low and mischievous.
"Weiwei... When you get back to London, I'll let you check my recent physical fitness levels, how about it? I've been doing a lot of strength training lately."
Lin Jianwei, on the other side of the screen, blushed instantly.
A multitude of blush-inducing images flashed through her mind in an instant, but she forced herself to remain calm.
"What...what nonsense are you talking about? I'm really going to hang up! Sleep...go to sleep!"
After saying that, Lin Jianwei almost frantically ended the video call.
The screen went black.
In his London villa, Yan Yuan stared at the darkened screen, thinking of Lin Jianwei's adorable, shy expression at the end, and couldn't help but chuckle softly.
I felt all the fatigue from today's training vanish, and my heart was filled with joy.
Meanwhile, in Hangzhou, thousands of miles away...
Lin Jianwei buried her burning cheeks in the soft pillow, but her heart was still pounding wildly.
Yan Yuan's deep, ambiguous words, his tall and muscular physique, and his handsome face with a wicked smile kept swirling in her mind.
Macroeconomic analysis and financial planning have all been thrown into chaos.
Only one thought was swirling in my mind:
I miss him so much, I want to go back to London soon.
You'll Also Like
-
Anime Crossover: My Girlfriend Has a System
Chapter 203 29 minute ago -
Battle Through the Heavens: Starting with Cao Ying as an apprentice
Chapter 294 29 minute ago -
All Heavens: Transcending Dimensions Starting with the Uchiha
Chapter 280 29 minute ago -
I am Jinshan Youxia
Chapter 308 29 minute ago -
Uchiha's personal opinion
Chapter 707 29 minute ago -
Perfect World: The First Dao Body in the Chaotic Era!
Chapter 510 29 minute ago -
Douluo Continent: Heaven rewards diligence, Tang San's defenses are breached by liver damage.
Chapter 260 29 minute ago -
Douluo Continent: This Soul Master is Too Bizarre and Unpredictable
Chapter 394 29 minute ago -
Primordial Era: I, Tongtian, will slay all enemies!
Chapter 99 29 minute ago -
Full-Time Magister: Starting with Two Divine Eyes, Dominating Eternity
Chapter 223 29 minute ago