The investment era of rebirth

Chapter 69 Business Plan
"Yeah!" Su Yu nodded, "If their company accepts personal investment."

He Qian was stunned for a long time before she came back to her senses and said in surprise: "How can you conclude that our institution will not be able to pass this investment project? Also... where did you get the 150 million yuan to invest in the primary market?" , as far as I know, isn't your family struggling financially?"

Su Yu said with a smile: "As you said just now, the Federal Reserve is about to raise interest rates, domestic financial institutions are tightening their money, and the financing needs of enterprises in the primary market have skyrocketed, but market investor confidence is not enough, and investment institutions do not have much capital. , can be squandered at will.”

"This has caused a serious mismatch between corporate financing needs and capital needs in the primary market."

"And I believe that you are currently in the research stage of your organization, and there are definitely a lot of projects that you intend to invest in. Then...with limited funds and a lot of projects, from the perspective of company-level interests and investment risks, it is natural It is to choose enterprises with relatively promising prospects and stable risks for investment.”

"so……"

"I dare to conclude that this 'mobile game production company', with its financing scale and slim development prospects, will definitely not be included in your organization's priority investment list."

In fact, in Su Yu's memory.

Guangya Investment, where He Qian worked, did not agree to the financing request of this 'mobile game production company', and missed this investment opportunity.

Afterwards, this 'mobile game production company' was forced into desperation.

Only through some personal connections, I found a non-professional investment company in Yuhang, and raised about 200 million funds to solve the urgent financial problem.

And, judging from the development of later generations...

In Su Yu's impression, this "mobile game production company" with great potential had only this round of financing at the beginning of its development in the pre-listing stage. That is to say, if he missed this time, he would miss it forever. In the development stage, get involved in the investment opportunity of this company.

"As for where I got the money, it can be used for primary market investment."

Su Yu smiled and continued: "It just so happens that the stock market has been doing well in the past month or so. I seized a few waves of opportunities and made some money."

"According to what you just said, at least you have to earn 150 million, right?" He Qian said in surprise, "Isn't it said that it is a big bear market now? When will it be possible to make money casually in a big bear market? And... If you want to make money in a short-term Earning more than 150 million in just over a month, even if you can have a 100% investment record, you must have a principal of hundreds of thousands or millions of dollars!"

"Well..." Su Yu paused, not thinking about how to explain.

Li Meng has already replied on his behalf: "He is right. In the past month or so, he should have earned far more than 150 million from stocks."

The Fortune Road Sales Department of Huashang Securities where she works has just been on the Dragon and Tiger List not long ago.

According to the list data at that time, the funds in Yang Hao's stock account, which Su Yu managed on behalf of clients, had already exceeded 1000 million. From this, Li Meng could easily figure out the amount of profit commission that Su Yu should get.

"Oh, my God, isn't this amazing?" He Qian was very surprised in her heart, but she was also extremely curious, and said, "It's been three days since I left you, so I should see it with admiration."

In her impression...

She originally thought that Su Yu was still in college, the poor boy who relied on work-study programs until he graduated from college, and then stayed in Yuhang to struggle hard.

Unexpectedly, after a year and a half, the other party has been transformed into a millionaire.

Of course, she didn't think the other party's money was easy to earn. She guessed that Su Yu must have taken some shortcuts, but she was not easy to ask about this specific way of making money, and it was impossible to ask in front of Su Yu.

"However, Su Yu, as you said just now, the fundamentals of this 'mobile game production company' are not outstanding. As a start-up company, it does not have enough technology accumulation and corporate moat. The future prospect is unclear, and the investment risk is quite high." He Qian paused and asked, "I also know that no one's money will come from a strong wind. In this society, making money is not easy. Since you know the risks, why do you want to gamble on this 150 million investment project?" ?”

"If I were you……"

"With 150 million funds in hand, I will not hesitate to buy a house in Yuhang instead of using it for venture capital."

While He Qian was speaking, Li Meng's eyes were also fixed on Su Yu. Similarly, she didn't understand.

Su Yu looked at the puzzled expressions of the two girls and said with a smile: "To be honest, 150 million yuan is not a big amount for me now. It won't hurt, and it won't affect my current life."

"As for buying a house..."

"The house doesn't mean much to me right now."

"Of course, I'm not a so-called whim, suddenly wanting to get involved in venture capital projects in the primary market."

"I'm thinking about the 'mobile game production company' mentioned by Miss He just now. Although the risk is high, in the 'mobile game' market, with the prospect of the rapid development of the 'mobile Internet', its potential is still huge Yes, investing at this time, I have the hope of exiting with a huge return in the future."

"Although the hope is not great, there is hope after all."

"Furthermore, I'm an individual investor, unlike an institution that uses investors' money and is afraid to do so."

"Investment... Regardless of the primary market or the secondary market, the risk and return are always proportional. The primary market investment projects I can participate in are very limited, and it just so happens that the 'mobile game production company' you mentioned 'The project, the internal risk control of the organization is likely to fail, but it is suitable for me, so I want to give it a try."

"It's that simple?" He Qian asked suspiciously.

Su Yu nodded, smiled and said, "It's that simple!"

"That's fine!" He Qian pondered for a moment, and agreed, "If the financing plan of the 'Mihayou' project is really rejected by the company, I will try to contact you to see if they accept individual proposals. investor."

"Thank you!" Su Yu said with a smile, "If the matter is completed, the commission you should get for this project, I will replenish it for you for your company."

He Qian smiled lightly and said, "That's not necessary. Anyway, everyone is a classmate, and I will just help out."

"and……"

He Qian rolled her eyes, her eyes fell on Li Meng again, and said with a smile: "You two live together now, if I help you, it is equivalent to helping Li Meng."

"I am me, he is him." Li Meng replied, "Don't confuse us."

"That's not necessarily true." He Qian said, "Anyway, I've never seen you treat any boy as well as he did before, and you two actually rented together..."

Li dreamed that she was going around, and then changed the topic, hurriedly put a lot of hot dishes in her bowl, changed the topic, and asked, "Are you going back to the hotel tonight?"

"No, I'll sleep with you!" He Qian said with a grin, "We haven't slept together for a long time, and we haven't whispered together all night for a long time, oh, yes... the one I made in Shanghai Boyfriend, what do you think? Are you handsome enough? If you don’t think so, then I’ll dump him when I go back.”

"Who wants to sleep with you?"

Li Meng muttered, but seeing He Qian's clingy face, he was full of smiles, and said: "From what you said, this person should be okay, you can take care of it yourself, don't care about my opinion, after all, you are the one who found him." Boyfriend, I'm not looking for it, your feelings are the most important."

"Hey... I'm just not sure if I really like him." He Qian sighed softly.

Su Yu saw that the conversation between the two was getting farther and farther away. He basically couldn't get in any words, so he completely shut up, lowered his head and ate the food, until it was around 9 o'clock, and the three of them dispersed together.

When he got home, Su Yu went to sleep after a brief wash.

As a result, when he woke up and went to the bathroom in the middle of the night, he could vaguely hear the two people next door whispering, and he was speechless for a while.

And when he woke up again, it was already 9 o'clock the next morning.

There was no movement next door, so Su Yu went downstairs to have breakfast by himself, then went home and watched TV for a while, and the two girls didn't wake up until around 11 am.

At noon, Li Meng cooked a few home-cooked dishes with the remaining ingredients in the refrigerator.

Then the three of them just made do with it.

Immediately afterwards, in the afternoon, the three of them took a taxi to the West Lake Scenic Area, strolled around for a long time, and returned when it was dark.

The next day, the three of them went to Happy Valley again. It was not until 5 pm that He Qian bid farewell to Li Meng and Su Yu, took the bullet train, and returned to Shanghai.

"Su Yu, thank you for hanging out with us these two days."

In the taxi back to the residence, Li Meng turned his head to look at Su Yu, grateful.

"What is there to be thankful for?" Su Yu said, "I still have to pray that Miss He will do things for me. It is natural for her to have fun in Yuhang."

Li Meng smiled lightly, but didn't explain too much. He paused and asked, "Are you really going to take 150 million to invest in the 'Mihayou' mobile game production company that Qianqian mentioned?"

"If possible, I would like to invest more money." Su Yu said, "But there is a high probability that the management of the company 'Mihayou' just wants to seek funds to overcome the immediate difficulties, and does not want to invest on a large scale. I want to give up my company's equity interests, so even if I want to invest more, I'm afraid I won't have a chance."

"You have never personally contacted the management personnel of this company, nor have you conducted field research on the fundamentals of this company." Li Meng said, "Are you so confident that you can profit from this venture capital investment?"

"Although I haven't done field research, the product can't fool people." Su Yu said, "The game they run is called 'Henghuai Academy'. I took the time to download and play it today. It's really good. You can see it from the product. Seeing that they are playing the game with their hearts, and besides...the investment of 150 million yuan does not have to be taken so seriously, and it is enough for me to see the profit from the risk."

"Okay!" Li Meng persuaded him, but when he couldn't be persuaded, he gave up.

In her impression, Su Yu was originally a person with a very strong sense of autonomy. Once she made up her mind, it was often difficult to change it. No matter how much she said, it would be a waste of time.

While speaking, the taxi had already arrived at the community they rented together.

Su Yu got out of the car, bought some rations with Li Meng at a nearby supermarket, and then returned to his residence.

Immediately afterwards, Li Meng started to cook dinner, while Su Yu helped with chores such as washing and picking out vegetables. At the same time, the two also chatted about the domestic macro economy, financial situation, and the future direction of the stock market.

"You said that a magnificent bull market is brewing?" During the meal, Li Meng asked Su Yu, "But the current market sentiment is still pessimistic, the Fed has withdrawn from monetary easing, and the European economy is still in the quagmire , inflation and deflation appear at the same time, although the external environment has basically got rid of the shadow of the 'subprime mortgage crisis' in 08, it is still too early to talk about recovery, right?"

"Let's talk about domestic..."

"The problem of inflation exists. While the monetary policy of the Federal Reserve is tightening, in order to stabilize the exchange rate and eliminate the domestic inflation problem, the central bank will definitely tighten monetary policy gradually, and even raise interest rates."

"You must know that the rise of stock prices always requires a huge amount of funds to promote it."

"At present, and for a long time to come, there should not be loose monetary conditions, and there will not be so much incremental capital pouring into the stock market."

"The central bank's interest rate hikes and interest rate cuts have never been the fundamental reason for determining whether the stock market is bullish or bearish." Su Yu replied, "In 06 and 07, when the central bank raised interest rates all the way, the stock index still soared several times, rising from 1000 points. When it reaches 6000 points, there are countless individual stocks that have increased by ten times or dozens of times."

"Could it be that the macro-capital side was very abundant at that time?"

"Then what do you say is the fundamental basis for determining bull and bear markets?" Li Meng asked.

Su Yu smiled and said: "Naturally, it is the future expectations and the profit-making effect of the market itself. As you said, the current global economy does not look very good, but after all, it has begun to shake off the shadow of the last round of financial crisis. It’s getting better, and there are good expectations for the future.”

"Coupled with the current explosion of demand for smartphones and the broad prospects of the mobile Internet."

"Under the development of these two major points, the economy can emerge as a new growth pole, which will benefit various industrial chain companies related to these two major industries and release strong performance growth capabilities."

"There have been fundamental changes and good future expectations."

"It only needs to add a few fires to the current stock market and drive the money-making effect of the stock market, and more and more people will naturally follow the trend and enter the market."

"Furthermore, on the basis of the current stock market being bearish for six years, the valuation and trading volume have been compressed to the extreme."

"In this case, it is not too simple to create a money-making effect."

"And...even if the central bank wants to stabilize the exchange rate and follow the Fed to raise interest rates, there will be no shortage of active investment funds in the market. If you don't believe me, look at the current hot P2P online wealth management market. The scale growth rate is simply staggering. Many websites In less than 3 or 5 months since its establishment, it has directly attracted hundreds of millions of dollars, or even reached the level of one billion or more.”

"Is this a sign of a lack of money in the market?"

"It's just that this part of the investment funds is unwilling to come in seeing that the stock market has no profit-making effect."

"The growth of the P2P market is indeed exaggerated." Li Meng thought for a while, and felt that Su Yu's derivation logic also had some truth, and replied, "If there is a magnificent bull market as you said in the near future, then I... have to think about it for myself."

"Why, you want to quit?" Su Yu asked in surprise.

Li Meng nodded lightly and said: "I submitted my resume to 'Ori Asset Management' a few days ago, passed the primary selection, and am going to go for an interview next week. The estimated probability of passing is quite high."

"Ori Asset Management? A public offering institution!" Su Yu remembered the background of this company, paused, and said, "Is your job at Huashang Securities not going well?"

Li Meng replied: "It's not that I don't like it, it's just that it's too difficult to be promoted. I want to enter the asset management department, but if I don't stay in the front-line customer position for three or five years, I have no chance at all. On the contrary... directly enter Asset management institutions don’t have to worry about this.”

"The internal promotion mechanism of public offering institutions is also very difficult."

Su Yu responded, and said with a smile: "Actually, they also sent me a job invitation through headhunting, but I didn't like them."

"You are showing off on purpose, are you mad at me?" Li Meng said angrily.

Su Yu shook his head and said: "Nothing, I think your ability is not bad, regardless of macro analysis, understanding of various investment industries, investment cycle and market sentiment insights, are very good, if you become a public offering institution It’s a pity to continue to work on irrelevant jobs for a few years.”

"Then what can I do, continue to be a manager?" Li Meng sighed softly, a little confused.

Su Yu noticed her expression, and asked speculatively: "You see that He Qian is doing well in the venture capital institution, and you feel that you are being compared, and you feel a little anxious, right? After all, you two are in college. The best sister, and He Qian is not as good as you in any aspect of ability."

He has known Li Meng for so many years, and he has a clear understanding of Li Meng's character.

Although the other party is a master who seldom complains about life and works extremely seriously, deep down, he also has his own pride and strong self-esteem.

"No way." Li Meng replied, "Qianqian's work is going well, so I'm naturally happy for her, but I don't think I can just go on like this."

"Understood!" Su Yu nodded and said, "Both of us came from the countryside, and the feeling of wanting to stand out with our own abilities is also the same. There is nothing wrong with this. The Xin Securities Sales Department could not see any future, so they resigned brazenly and went out on their own, and the facts have proved that there is nothing wrong with this path.”

"However, you have no previous work experience related to asset management."

"If you choose to enter the 'Ori Asset Management', I'm afraid you have to go through it step by step, which is no different from what you did in the sales department of Huashang Securities."

"My suggestion is that you might as well stay where you are."

"After all, the accumulation of customers in your hands is not bad now, and you can get a lot of money by relying on commission commissions and performance commissions."

"It's meaningless to jump back and forth in the low-level staff positions. It's better to calm down, accumulate more customers, and wait for the real opportunity to come."

"What is a real opportunity?" Li Meng asked with some confusion.

Su Yu pondered for a moment, then smiled and said, "Didn't I promise you a position as a fund manager? To be honest, I'm not joking!"

"July at the latest..."

"I want to set up a private equity firm, and you will be the manager of the first fund."

Li Meng was taken aback, and asked urgently: "Isn't your money going to be used to invest in 'Mihayou'?"

"Didn't you also say that the money I earned during this period is probably far more than 150 million?" Su Yu said with a smile, "Actually, 150 million is just equivalent to my daily profit."

"The timing was not ripe before, but now after the bombardment of the seats on the Dragon and Tiger List, and the trust of customers accumulated in the hands of you and me, I think it will not be a problem to raise tens of millions."

Hearing Su Yu's self-disclosure and plan, Li Meng's whole body instantly revealed an expression of disbelief.

Su Yu glanced at her, chuckled, and continued: "Of course, if you think my business plan is not worth mentioning and the risk is too high, then pretend that I didn't say that if you like to change jobs, you can change jobs. If you love to stay in the sales department, stay in the sales department, we are still in harmony with each other."

"Then I... think about it!"

Li Meng stayed in a daze for a long time before she came to her senses and replied softly.

It's not that she didn't believe in Su Yu, but she suddenly felt that Su Yu seemed to be a different person, very different from the person in her memory who only followed the rules of reality and worked hard.

Of course, compared to Su Yu before...

She appreciates Su Yu even more who dares to break through the rules and constraints of reality, and desperately embarks on a path of his own business.

(End of this chapter)