Consumer God

Chapter 349 The donkeys of the production team are all on work!
Han Lie didn't lie, he really prepared three cheats for his clients to make money.

And it took a lot of effort to make a detailed comparison table.

Guaranteed by previous knowledge, Han Lie showed extremely sufficient self-confidence, berating Fang Qiu on the stage, his whole body seemed to be shining.

"The third part of today's lecture, which is also the core theme, is very simple and crude in nature, that is - how to make money in the market safely and stably when I am a layman?"

On this page of the PPT, there are no pictures or tables, only that line of bright red characters.

The customers below looked at the line of words, as if they were bulls whose emotions were teased by the red underpants, snorting and eyes shining.

After a pause, giving everyone enough time to react, Han Lie started with a smile.

"Since I started to achieve a little success in the market, people will often ask me this way——Mr. Han, I don't know anything about stocks, but I am not greedy. Is there any stupid way to make a layman like me Earn money? You don’t need too much, the interest rate is higher than that of bank deposits, and it’s good if you can keep up with inflation.

Please evaluate whether this kind of person is greedy or not? "

"Thick, thick..."

There was a muffled laugh from the audience.

Han Lie's lecture style is very novel, he is not rigid or boring, like a psychological master who is good at playing with emotions, he can always make people follow the train of thought while relaxing.

This ability, to some extent, is even more important than the technology itself.

Level 4 technology + bad personality, if you make trouble, you may go to the rooftop.

Level 3 technology + Level 4 deception, you can earn hundreds of millions and billions of dollars just by cutting leeks.

And now Han Lie, holding level 5 technology + level 5 psychology + level 5 magic trick, if he doesn't control the output well, he might turn the lecture into a large-scale missionary site...

So, in fact, he has withheld part of his skills today, which is ridiculous.

"It's quite greedy, full of beautiful things, isn't it?"

Han Lie smiled, but the smile suddenly disappeared, his back straightened, and his aura became sharp and powerful.

"However, he really asked the right person. There are indeed ways to make money with your eyes closed, and there are more than one. Today, I will share three of them with you, so you can start taking notes."

In an instant, there was a sound of flipping paper.

Prohibiting orders means that the emotions of the audience have been completely controlled by Han Lie.

While fiddling with the rhythm to his heart's content, Han Lie's voice and tone are also changing. His superb line skills allow him to perform with ease when changing the emotions of his vocal output.

"The first method, based on the current special environment, I call it the compound income of capital gains and dividends.

First of all, we need to understand what a dividend is called.

Dividends are the profits that shareholders receive from listed companies at a certain rate on a regular basis, and dividends are the remaining profits that are distributed to shareholders in proportion to their shareholding after dividends are distributed by listed companies.

In short: the listed company makes a profit, and then distributes dividends to the majority of shareholders.

So if we want to obtain long-term and stable dividends, we must find companies that have long-term stable profits, and then select those companies that are willing to pay dividends.

Regarding this step, I have already solved it for you.

There are only five companies that are really worth looking forward to - the five major banks in the establishment of diplomatic relations between China Agricultural Industry and Industry.

There are many listed companies with long-term stable profits, but only the five major banks are willing to pay stable dividends.

They have been the listed companies with the highest dividend ratio over the years, and they have paid dividends every year, and they have firmly assumed the responsibility of a big bank to grow together with shareholders.

Taking the agricultural industry as an example, last year’s plan was a cash dividend of 10 yuan for every 1.77 shares, and the stock price on the registration date was 2.61 yuan, and the actual dividend rate was 6.78%.

Taking ICBC as an example, the actual dividend rate last year was 6.29%.

There is a little gap with the Agricultural Bank of China, but it is not big. Overall, it has maintained a dividend rate of more than 6% for many years, and occasionally it can reach 7%.

Do you realize?
In recent years, the 5-year fixed deposit interest rate of major commercial banks has been between 3.65% and 4.55%, and the highest year has not exceeded 4.55%.

As for our company's hybrid tiered fund [Tianji No. 6.5], the fixed income of the priority part is [-]%, and the funds of the inferior part are used as a soft guarantee.

Many customers want to buy our priority, and they think it is very cost-effective, which is more cost-effective than the agreed interest rate for large deposit certificates stored in the bank.

The only downside is that the quota is too small and it is difficult to buy.

But if we average the dividend rate of ICBC and CCB in the past five years, we will find that their average dividend rate has reached a level of about 5%.

A little worse than ours, but unlimited.

What does this dividend rate mean?

If you buy 3500 million ICBC shares now, about 16 years later, you will receive a total of 3500 million cash dividends, and those shares worth 3500 million are still there, and will continue to generate a steady stream of dividends.

So, what caused many people to be unwilling to use this method to deposit in disguise?

Yes, that friend from the bank is right, because of the "Income Tax on Dividends and Bonuses of Listed Companies".

This part of the income is subject to 20% personal income tax.

Calculated in this way, our actual dividend rate immediately dropped to just over 5%, which is no longer so attractive.

But I can tell you very clearly that this tax is in the process of being removed and abolished.

Because it hinders our long-term and stable holding of stocks, it is not conducive to the long-term and stable financing of listed companies, and it also has an impact on the long-term stability of the stock market.

It is bound to be abolished in the not-too-distant future.

At that time, the dividends obtained by holding a single stock for a long time will receive tax reduction or even tax exemption treatment.

Among the VIPs present here are many senior executives of banks and brokerage firms. You are the ones who feel the most. Am I right?You should judge for yourself. "

Before Han Lie asked the question, many people's expressions changed.

Such as Jin Xing, such as Professor Du, such as Tang Xintian's sister-in-law, such as a certain director of the Securities Bureau who sneaked in...

In fact, this tax was exempted for 15 years. Han Lie is actually using the future facts to pretend to be a prophet of the present.

But at a higher level, relevant voices do already exist.

Only because this matter involves three departments, Finance, Tax Administration, and Securities Regulatory Commission, it needs to go through a relatively long period of internal argumentation, multi-department negotiation, respective resolutions, joint reporting and other processes before it can be finally realized.

Judging from the current situation, since the necessity is not very high, the actions of various departments are not in a hurry, and it seems that the real implementation is far away.

But Han Lie knew very well that once the stock market crash happened, this policy would come into effect within a few days.

So, for now, it's kind of a secret.

Those who don't understand just don't understand it, and the few people who really understand the way are "scared" by Han Lie.

Good guy, Comrade Han Lie, where have you stuck your tentacles? !

Han Lie looked down at the podium with a smile, and met those skeptical eyes one by one, with a relaxed posture and a confident and mysterious smile on the corner of his mouth.

Yes, he did it on purpose.

A lot of high-level financial people came here today, and it is not convenient to name them one by one.

Making money is not enough to shock them.

The simple high level of trading can make them sigh "amazing talent" at most, and then they still play their own way.

For example, the Modu branch of Gongnong Zhongjian is a first-level branch. If a vice president with a low ranking comes here, there is no need to hold Han Lie at all, and there is no reason to treat him like a green onion.

No matter how powerful you are, Zhongmei’s size is right now, and the two products are full of funds and only have 75 billion funds.

If someone's personal interests are not linked to yours, do you need to talk to you?
But when Han Lie cleverly used the dividends to pretend to be this coercion, the situation was completely different.

The higher the position, the more cautious the person looked at him.

Their thoughts are almost the same-

Indeed, with Han Lie's ability, it is very reasonable for someone in the upper echelons to value him and appreciate him, and even entrust him to handle the family assets...

And Han Lie skipped this section lightly and continued his lecture when most people hadn't reacted after Xiaolu's eventful appearance.

"Of course, before the relevant policies are implemented, the issue of cost is still an important factor that we have to consider.

But as I said before, this is a compound income plan established in a special period. Don't forget about capital gains.

What is a capital gain?

Roughly, we can simply understand it as the benefit that its price increase brings to us after buying a stock.

Some people may think that if the bull market really comes, how much can bank stocks go up?
Compared with other stocks, its growth rate must be the bottom!

So why didn't I turn around and buy something else?
Please remember that this is a long-term compound income plan that can span bull-bear cycles. The core lies in dividends, and capital gains are supplementary.

Our first goal is long-term stable dividends.

This kind of dividend must be stable for at least 10 years, so as to have the original conditions to overcome all economic crises.

Unless it rises to more than 3 times the purchase price for a long time, we only earn dividends and do not consider selling the stock.

If you want to speculate and double your assets quickly, that is another topic, another solution.

I have, but please be patient.

The current long-term holding strategy of the five major banks is prepared for conservative investors who have a stable personality, abundant cash flow, and hope to span the long-term cycle and outperform inflation and the broader market.

Ladies and gentlemen, here comes the point——

my country's non-conventional consumption inflation rate may reach 8% in some periods, which is monetary data after removing basic necessities of life.

In other words, for ordinary people, since the prices of basic daily necessities such as food, meat, eggs, milk, gas and electricity are quite stable, the actual CPI they bear has remained at around 5% in the past five years.

The core inflation rate excluding food and energy is not high, at most 3%-4%.

However, due to the large amount of cash and financial assets held by the wealthy people, they are affected by factors such as the global currency flood, and the actual currency depreciation rate they suffer is much higher than that of the ordinary working class.

Can you understand?

In theory, inflation should be treated equally, but in practice, it is not.

Since most of the income of the working class is used to maintain life and daily consumption, they can easily beat inflation as long as they have a mortgaged property bought in advance, which is a special feature of our era.

And you, because of too much wealth, daily consumption only accounts for a small part, and the appreciation of real estate cannot cover all assets, so you have to bear higher inflation losses instead.

This situation puts forward higher requirements on the efficiency of our asset preservation.

Before the implementation of the tax exemption policy, the dividend rate of about 5.2% for the five major banks was obviously a little bit worse.

So I have to sigh with emotion that you are really lucky to come to listen to my lectures in such a rather special period.

If in mid-March, the stock index finally falls below 3 points again according to my judgment, what will happen?
Starting from the current plan alone, the stock prices of the five major banks will come to a depression with great long-term investment value!

ICBC for three yuan, two or three, and Agricultural Bank of China for two yuan, one or two. If you are a conservative investor, just use all your spare money and buy with your eyes closed.

Is it possible for it to fall again, causing your principal to lose 30% or more?
First, it is absolutely impossible. When the price falls to the price I mentioned, the social security fund will definitely enter the market.

If social security doesn’t buy it, I will!

No matter from any angle, this is a very attractive price.

I'm just afraid they didn't fall deep enough.

Second, even if it has fallen a bit in the short term, don’t worry about it. We are long-term investors who receive dividends. After five or ten years, we will pay attention to the stock price.

If you buy it for 6.3 million yuan, the ten-year dividend rate can reach 6.8%-5500%. There is tax in the first two years, and the tax is exempted in the next eight years. This is the minimum dividend income of [-] million yuan.

Next is the stock price high after the arrival of the bull market.

If you are optimistic, you can sell once in the 15-year bull market, get at least 2 times the increase in income, and then hold it again after falling back, and continue to eat dividends.

Be pessimistic, hold until 2030, 2007 years from the big bull market in 23, it is impossible for there to be no bull market, right?
What's the matter, has China collapsed?

In fact, based on the profitability of these five banks, even if the price-to-book ratio of the stocks remains at around 0.4, the natural growth in seven years is enough to double them.

Ladies and gentlemen, this set of plans is completely based on the current historical lows of the stock market. It is simple and rude, and extremely safe.

Judging by the model I personally built, including the compound growth rate of major banks, within ten years, the minimum profit is 350%, and the maximum can reach 650%.

...model explanation ing...

Under the premise of long-term holding and no operation, you can outperform all inflation with your eyes closed.

If the bull market really comes as promised, you can communicate with me again and carry out certain evasive operations, and the ten-year profit rate will be at least five times.

As for the more distant future, maybe the five major guilds will take on more social responsibilities and isolate financial risks, and no longer pursue efficiency and profitability. At that time, the overall growth will slow down, and we can stop this compounding with rich returns. benefit plan.

Of course, for many distinguished guests here, the explosive power of your own industry far exceeds this plan, and it is another matter to look down on this steady and slow income.

Let me emphasize again——

Today, we have prepared three wealth cheats for all distinguished guests, this one is a long-term and stable profit plan specially prepared for conservative investors.

Those who are interested can connect with our Zhongmei consultant team to obtain detailed information.

Friends who are not interested, please look forward to the next chapter..."

The customers in the audience did not allow Han Lie to finish all the halftime speeches.

As soon as the scattered applause sounded, it erupted in an extremely short time, combined with the applause of some young people, drowning everything in the conference hall.

Han Lie's thinking is undoubtedly very trendy in the current era.

And it is not only new, but also inspiring, and also extremely operable.

Where is it difficult?
Time point, mid-March.

Price, ICBC 3.2 to 3.3, Agricultural Bank of China 2.1 to 2.2.

The holding period starts at five years, and ten years is the best. If there is a bull market in the middle of 15 years, you can sell once to earn the price difference.

Isn't this a pure fool's operation? !

Although the explosive power is not very good, many conservative investors are actually satisfied with a safe annualized return of 6.5%.

Three to five times in ten years, is it something that ordinary people like us deserve to think about?
Master Cai, who has always been stable, was very moved. It is conceivable how many people felt the shock.

But he didn't understand the model, so he scratched his ears and cheeks anxiously, and kept poking Pan Shengwu: "Fatty man, don't touch it! Tell your son-in-law to explain that mathematical model again!"

Pan Shengwu half-lyed on the back of the chair, slowly stroking his belly, which was actually not particularly big, with both hands. Hearing this, he raised the half eyelid of his left eye, glanced at Master Cai, and uttered a questioning voice from his nostrils.

"Huh? What are you calling me?"

Master Cai gritted his teeth in anger, but in the end he had to give up.

"Brother Wu! Uncle Wu! Knowing that your son-in-law is crazy, tell him to take care of your younger brother?"

Pan Shengwu withdrew his eyelids halfway, and hummed happily: "What's the rush? Let's see how you behave..."

Pan Zi was not the only one who beeped, and by the same token, Master Cai was not the only one who was anxious.

The revenue curve model that Han Lie put a lot of effort into is confusing to people just looking at it. Many people can't understand it, but they find it inexplicably convincing.

Can you really earn so much by buying the stocks of the five major banks? !
The conservatives are in a hurry, but they are not as anxious as the old leeks.

The more people who can understand the gold content in it, the more itchy they will be.

The plans made with broken bank stocks are so tempting. How many times the return must be the second set of plans for neutral investors?
Mr. Han, don't rest, the donkeys in the production team are all on work!

(End of this chapter)