Chapter 4632

Fengshen wind investment fund! 10% interest per year. This time, however, it was like a heavy bomb thrown into China's financial market.

You know, today's funds include trust and investment funds, provident funds, insurance funds, retirement funds, and funds of various foundations. But people usually say the fund mainly refers to the securities investment fund. And this kind of investment fund, divides into the monetary fund, the bond fund, and the stock fund three kinds.

Monetary Fund is an open-end fund that gathers idle funds, operates by the fund manager and keeps the funds by the fund trustee. It is specially invested in the money market tools with low risk. It is different from other types of open-end funds, with high security, high liquidity, stable returns and the characteristics of "quasi savings". In October 1972, the savings fund company purchased US $300000 of high interest rate regular savings and sold them to small investors with us $1000 as investment units. In this way, small investors enjoy the return on investment that big enterprises can get, and have higher cash liquidity. The first money market mutual fund in history was born.

Bond fund, also known as bond fund, refers to the fund that specially invests in bonds. By concentrating the funds of many investors, it makes portfolio investment in bonds to seek more stable returns. According to the classification standard of China Securities Regulatory Commission for fund categories, bond funds are defined as those with more than 80% of fund assets invested in bonds. Bond funds can also have a small part of funds invested in the stock market. In addition, investing in convertible bonds and new shares is also an important channel for bond funds to obtain income.

As for the stock fund, it means that more than 60% of the fund assets are invested in stocks.

Among the three funds, monetary fund generally has a higher annual fixed deposit rate, with an annual return of 3.5-5% and bond fund of 6-9%, which are only applicable to this year's market. As for the stock fund, it is not surprising that it loses 30% and its profit is normal, which is the most difficult to weigh and compare.

But no matter what kind of fund, no matter what kind of fund, there will be no guarantee. The only one with a minimum is the interest on savings. This is the bottom line. Naturally, it is fixed. Naturally, interest rates are low. Since ancient times, there has never been a 10% guaranteed return. The only one that's ever been there is a hoax, a Ponzi hoax. Only the Ponzi scheme can generate such high returns.

But now Lin Feng has launched the "Fengshen wind investment fund", which guarantees the bottom 10% of the income. Is this a fraud? Obviously not. Lin Feng doesn't need to cheat everyone out of their money. He doesn't need it at all. Because Lin Feng's cash flow is very huge, huge to a jaw dropping point. Moreover, Lin Feng's company operates very well, and its annual profit is extremely high, tens of billions of dollars. In this case, Lin Feng doesn't need to set up a Ponzi scheme at all.

If it's not the Ponzi scheme, is it Lin Feng's money? Obviously, Lin Feng's lack of money has always been regarded as a joke. No one will think that Lin Feng is poor in money. Lin Feng is really not poor in money. Since he is not short of money, why does he set up a Fengshen Fengtou fund? You know, before that, there was "yu'e Bao". In this "yu'e Bao", there were hundreds of billions of RMB in the whole country. Lin Feng created a "Fengshen wind investment fund", which also guaranteed a minimum of 10%. Isn't this in conflict with "yu'e Bao"? Is he really trying to lead the whole nation to get rich?

"He did it on purpose!" Mr. A is gnashing his teeth. Lin Feng is definitely on purpose. It is clear that he is deliberately fighting with the bank. As soon as the bank restricted cash withdrawal on a regular basis, Lin Feng immediately launched a "Fengshen wind investment fund" with a minimum return of 10%. This is not intentional. It is to let users withdraw cash, withdraw money from the bank and run on Lin Feng, so as to achieve the intention of letting the real estate enterprise go bankrupt.

It's disgusting to talk about Comrade Xiaoping! But knowing that Lin Feng's intention is this, Mr. A, they have nothing to do. If Lin Feng wants to set up a venture capital company, they can refuse approval. If Lin Feng wants to directly force users to deposit in the bank, he can be accused of maliciously disrupting the financial order. But Lin Feng just set up a "Fengshen wind investment fund", which they can't limit. And the most important thing is that Lin Feng has also won the banner of Comrade Xiaoping.

Today, all Chinese people understand that without Comrade Xiaoping, there will be no reform and opening up. Without reform and opening up, China today is as ignorant and backward as North Korea now. It is Comrade Xiaoping's reform and opening up that has saved new China and brought new hope to new China. What's more, Comrade Xiaoping also said that some people should be allowed to become rich first, then those who have become rich, and then those who have not.

This is Comrade Xiaoping's original words and the line the party has been following. Now Lin Feng plays this flag, who can say he is not? Not only can not say, but also boast about Lin Feng, but also support. Because Lin Feng is to lead the people of the whole country to get rich!

10% guaranteed return, which is too scary. If we put in 10000 yuan, it will become 11000 in the second year. If we put in 10000 yuan again, it will become 12100 in the third year. If the interest continues to roll, 10 years later, your 10000 yuan principal will become 25937 yuan. Basically, it has increased by 1.5 times, and the longer the time, the more amazing the profit. In 15 years, it will be 41772 yuan. In 15 years, your principal will quadruple. And next, 20 years later, it's 74000. That's seven times the revenue. The stock god Warren Buffett's 20-year earnings are almost so many times.

It can be said that this income is quite, quite enviable. In particular, this is only a guaranteed return. If the income is high, the profit will be even less! Therefore, they can foresee that many people will go to the bank to withdraw money and deposit all the money into Fengshen wind investment fund. Because of the high interest rate, I can't touch it. In particular, it is guaranteed!

Seeing this news, the four major banks know that it is difficult to stop consumers from withdrawing money. Sure enough, after the whole news was released, people all over the country went to the bank to make an appointment for cash withdrawal. Of course, the depositors who have just taken out cash are the depositors who have just put in money. Although they will lose a little interest, the interest is only about 5%. On the contrary, if they take out the money and deposit it in Fengshen wind investment fund, then the lost interest will come back. So why don't they take it.

As for 15 day appointment, let's make an appointment. Anyway, we need to withdraw the money, deposit it into Fengshen wind investment fund, and then sit at home waiting for the income.

Of course, many people are hesitating after two years. It's really tempting for Lin Feng, but they've been saving it for so many years. In another year or two, they can take it out. If we take it out now, there will be no interest, and the loss is too great.

However, even if some people withdraw money, it also makes the bank a bit unbearable. In a short period of time, the number of appointments has exceeded one million, while the capital has exceeded 100 billion, and the number is still rising rapidly. In this case, the bank can expect that half a month later, the bank's treasury cash will be swept away. What's more, the chain reaction is not only affecting banks, but also the stock market.

Generally speaking, if the bank interest rate is high, then the stock market will fall. Because all the money went into the bank. After all, although the stock market makes money, it is easy to go short. Once it goes short, it will lose money in just a few weeks or even days. You want to go to the roof. In this case, if there is an investment way with high minimum interest rate, will you not invest? Obviously not.

As a result, the trading volume of the stock market has shrunk sharply, which has also brought about a more drastic drop in the stock market. In particular, after a bull market and a bear market, the stock market has fallen by thousands of miles. As a result, as soon as Lin Feng's Fengshen Fengtou fund is launched, the stock market has fallen even more severely. The stock market fell sharply, which directly led to the financing difficulties of major enterprises. Especially for those companies that want to go public, it is more difficult to raise funds.

Under this double influence, those real estate enterprises feel that the world is in darkness. If it goes on like this, the bank won't last long. And they are extremely worried about one thing, that is, whether the bank will give them up to settle with Lin Feng in less than 15 days. After all, if Lin Feng goes on like this, the bank will not be able to hold on. Finally, the money went to Lin Feng's pocket. How can the bank lend and make money?

Although people will not put all their money into the Fengshen wind investment fund, they will always put some living money on hand for emergency use. But such a little money is no doubt not enough for banks. And this time, it's not only the big four banks, but also some other private banks. These banks are the ones most affected. Basically, all the money in their bank has been withdrawn. Since they have been established for a relatively short time, the fixed deposit period is also relatively short. Naturally, the common people will withdraw all their money and deposit it in Fengshen wind investment fund. It can be said that if this situation continues, then these private banks will face the risk of bankruptcy.

In this case, it is not impossible for banks to give up real estate enterprises and settle with Lin Feng.

"No reconciliation! Once this is settled, we lose. In the general election four years from now, we have no chance of winning at all. We have to pave the way for that one! Now only he can fight with him. If that one fails, we will not have good fruit to eat. " Mr. A is cold.

Reconciliation means they lose. How can they admit defeat? This is absolutely impossible. Moreover, they have no right to admit defeat. They have no way out. Unless we completely give up the "Jiulong seizing the throne" four years later, that one will not be reconciled. They will not be reconciled. Moreover, officialdom has been dangerous since ancient times. Once we give up, maybe we will have a great purge in the future.

But if there is no reconciliation, how to deal with Lin Feng's "Fengshen wind investment fund" now is only 15 days. After 15 days, the people will come to make an appointment to withdraw the money. You must give the money, and you must never go back. Otherwise, it would be a breach of faith. In particular, before that, you promised to make an appointment for 15 days. Now people make an appointment, but you go back on it. That doesn't make sense. Well, if you say you can't get cash, the common people have to worry about it. At that time, they will not be able to bear the curse of the whole people. After all, there are still two gentlemen who support Lin Feng. Before, they could only sit by and watch Lin Feng fight with the bank because of their balance.

Now, if you tear up the promise, the two gentlemen can intervene. When the time comes, the bank will give the common people a free hand. Then they will lose again and again. But what should we do now? Now Lin Feng has come up with a "wind god wind investment fund" and almost crippled them. Jiang Taigong is fishing, and those who are willing to take the bait let the people take the initiative to deposit their money. What can they do?

What's more, Lin Feng's reputation is excellent. He is called "a good man in China" by the common people. Yeah, that's not a good guy. When others get rich, they all enjoy themselves. At most, he would occasionally show his face and donate money for a show. And Lin Feng, this is really doing a good job. This is an annual minimum of 10% income, which is definitely more than the price index. That's the real investment. Like in the past, the more money you put in the bank, the less money you will save. Five years ago, you saved 10000 yuan. Five years later, you can only have about 12500 yuan at most. If you take into account the rising prices every year, I'm afraid that 12500 yuan is equivalent to 8500 yuan. In fact, after you have saved for five years, the number on the book has increased, but actually it has decreased. Except for making the bank rich, you don't have any personal income.

After all, this is not the best time in the 1980s and 1990s when prices almost did not rise. In those days, prices were balanced for many years. It was not until after the reform and opening up that the prices of coastal cities rose completely and then spread to the mainland that the prices began to soar.

And Lin Feng, the "wind god wind investment fund", can be said to be the best weapon to deal with rising prices.

In the face of this situation, Mr. A and others have no way. Because Lin Feng completely took out "nuclear weapons", but they did not have the corresponding nuclear weapons to deal with it. Just stare. Now, perhaps the only thing they can do is to talk to two gentlemen. After all, they still have a little chips on their side, and these chips are the real estate enterprises that may collapse in the whole country, as well as the collapse of the financial system. Everyone's money goes to Lin Feng's side. Is the national bank still useful? Can we still invest in the financial order? Obviously, it can't be invested.

In this case, China's booming economy is going to fall completely. If so, isn't Lin Feng a criminal of China's economy? Therefore, they have to use this reason to convince the two gentlemen to stop Lin Feng and give up the Fengshen Fengtou fund.