Set sail1992

Chapter 480 How to spend so much money?
PS: Brothers, I'm sorry, I miscalculated the bonus before, and it has been revised now.

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Just when Qingqi Group was scrambling to do something big in the coming year, Zhang Qihang finally received his year-end award.

Xie Haiqiang, the financial manager of the group who personally delivered this check of 122.6 million yuan after deducting personal income tax to Zhang Qihang, said with a smile: "Mr. Zhang, congratulations."

"Hehe... We are happy together," Zhang Qihang asked casually while receiving the check, "By the way, Lao Xie, how do you plan to spend this bonus?"

Xie Haiqiang said as a matter of course: "Of course it is in the bank to earn interest."

"Save in the bank and earn interest?"

"That's not true." Speaking of this, Xie Haiqiang suddenly beamed with joy, obviously proud of his cleverness: "Mr. Zhang, you may not be very clear. The current five-year bank deposit interest is 12%. I will deduct it this time." After the individual tax, there are almost 69 yuan. My idea is to keep a savings account of 4 yuan at home for emergencies. The remaining 65 yuan will be deposited in the bank for interest. The interest for this year is 7.8 yuan.

It’s 7 a year, besides, our couple’s salary and bonus are enough for the family’s daily expenses, which means I can save another 8 in the bank after one year, tsk..."

Xie Haiqiang had a frustrating expression of "I'm really too smart and good at managing money", and asked Zhang Qihang casually: "Mr. Zhang, how do you plan to spend your bonus? If you don't have any big expenses for the time being, I suggest you Deposit it in the bank with me, President Xu told me, if we all deposit this bonus in the bank on a regular basis and handle the deposit and withdrawal, he can give you an interest rate of 13.5%."

Zhang Qihang was not surprised by the interest rate given by the bank. The total amount of this bonus is more than 1200 million. If the more than 1200 million can be absorbed into the bank's time deposit, for President Xu, their branch will The deposit task is almost half completed. Compared with completing the task, what is the extra 1.5% interest?
But under Xie Haiqiang's expectant eyes, Zhang Qihang shook his head: "No, I plan to deposit in the bank, and I plan to buy stocks."

Xie Haiqiang was stunned for a moment: "Are you planning to buy stocks?"

"Yes," Zhang Qihang nodded: "Didn't Qingqi go public two days ago? I'm going to buy Qingqi's stock."

Zhang Qihang didn't do much research on stocks, and he didn't play stocks much in his previous life, that is, he knew about Shenzhen Development Development in some urban rebirth novels. It is said that when the stock price was at its highest, the stock price of Shenzhen Development Development was more than ten times that of the original stock. Dozens of times.

After returning from rebirth, Zhang Qihang was also a little moved, thinking about buying SDB when he had money, but he was disappointed when he learned about the situation: SDB’s stock price surge began in 89, but by the end of 90, SDB’s Stocks have collapsed.

Although Zhang Qihang knows almost nothing about the domestic stock market, the stock Qingqi Motorcycle is an exception: Qingqi Motorcycle, which was listed just two days ago, counted from the day it was listed, and Qingqi Motorcycle has been listed on the stock market in less than a month. The stock price of the car has more than doubled!
The reason why Zhang Qihang knew that the stock price of Qingqi motorcycles had risen so much was purely coincidental, because in his previous life, he was still the director of the air compressor factory of the Regional Industrial Bureau, and his direct boss: Chief Li Jianjun was the director of the air compressor factory. He got lucky and bought Qingqi stock, and when he went back to the bureau to report to work, he often showed himself how much the Qingqi motorcycle he bought had risen and how much the stock was worth now;

As for the second one, after Changhong Color TV set off a price war in the domestic color TV industry, Changhong’s stock has also risen all the way. As for how much it has risen, Zhang Qihang actually doesn’t know, but he remembers a sentence in 96 very clearly. , called "Shenzhen looks at development, and Shanghai looks at Changhong". It is conceivable how crazy these two stocks were in 96, especially Shenzhen Development. At the beginning of 96, the stock price was only more than 5 yuan, but by the end of April At that time, it skyrocketed to nearly 4 yuan, a full 16 yuan increase!

At that time, I had already gone to work at the Modu Automobile Factory with the help of my teacher. When my colleagues chatted, they talked about SDB and Changhong the most. It was difficult for Zhang Qihang not to have an impression of these two stocks.

Now that I have remembered the madness of Qingqi Motorcycle when it was just launched and the 96 "Shenzhen market looks at development, Shanghai stock market looks at Changhong", then there is nothing to say, of course I want to take advantage of these two opportunities to make a lot of money.

But when Zhang Qihang said that he was going to use the year-end bonus to buy stocks, Xie Haiqiang's eyes widened, his expression was not only surprised, but also terrified: "Are you going to buy stocks? Mr. Zhang, the stock market fluctuates too much. Take a look at Shenzhen Development Bank. When it was the most valuable in the past, it was more than 60 yuan a share, but how much is it now? It is a fraction of that year, and there are Vanke, Jintian, Anda, Yuanye... Look at these star stocks back then, What is it like now?"

Seeing Xie Haiqiang's excited look, Zhang Qihang was not angry, but rather surprised: "Isn't it? Old Xie, you still study stocks?"

Xie Haiqiang blushed suddenly: "It's not research either. Wasn't our unit poor before you came, and the stocks were so hot back then, we couldn't afford stocks and couldn't read newspapers to get addicted?"

"Hahaha……"

Hearing Xie Haiqiang's words, Zhang Qihang immediately laughed. While laughing, he patted Xie Haiqiang's shoulder and nodded non-stop: "Understood! I understand!"

Speaking of this, Zhang Qihang knows it all too well, spiritual stockholders!
This thing is like the guys who are more excited than the chess players, and they start to think about how to spend such a large sum of money after they are still lying in bed, although I I can’t afford stocks, but I can be a “spiritual stockholder” by reading newspapers and analyzing the trend of stocks, and imagine, “If I buy XX shares and the market value doubles by X times, how will I spend my money?” The same reason.

Xie Haiqiang blushed, feeling a little embarrassed, but the blush was the blush, and he still looked at Zhang Qihang and said seriously: "Mr. Zhang, although I have never bought stocks, it is the experience of reading newspapers in those years that let me know How risky is the stock market? To put it bluntly, you can go bankrupt in a day. Those who played with Shenzhen Development Bank back then, I heard that not one or two jumped off the building because of the sharp fall.

Even if the country introduces daily limit and limit-down measures, it can still fall by 10% in one day. The most terrible thing is that you can’t find anyone to take the order when it falls, and you can only watch your stock continue to fall the next day. , The risk is too great. In comparison, isn’t it good to eat interest safely?

Really, this thing is not something we can play with, so let's eat the interest safely, okay? "

(End of this chapter)