Consumer male god

Han Lie didn't lie. He really prepared three secrets for his customers to make money.

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

With foresight as a guarantee, Han Lie showed extremely strong self-confidence, scolding Fang Qiu on the stage, and his whole person seemed to be shining.

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

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

The customers below looked at that line of text as if they were bulls aroused by the red underpants, their noses were snorting and their eyes were glowing.

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

"Ever since I started to make some small achievements in the market, people will often ask me - Teacher Han, I know nothing about stocks, but I am not greedy. Is there any stupid way that a layman like me can do it?" Earn money? It doesn’t take much, the interest is higher than bank deposits, and it would be nice if it can keep up with inflation.

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

"Thick thick..."

The audience suddenly burst into laughter.

Han Lie's lecture style is very novel. He is not rigid or boring. He is 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.

With level 4 skills + a bad personality, it is possible to go to the rooftops if something goes wrong.

With level 3 technology and level 4 cheating, you can earn hundreds of millions and billions just by cutting leeks.

And now Han Lie, with level 5 technology + level 5 psychology + level 5 magic trick, may turn the lecture into a large-scale missionary site if he fails to control the intensity of the output...

So, in fact, he held back part of his power today, which is ridiculous.

"Quite greedy, full of beautiful things, right?"

Han Lie smiled, his smile suddenly faded, his back straightened, and his whole 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 is more than one. Today, I will share three of them with you, and you can start taking notes."

There was an instant sound of turning paper underneath.

Executing orders and prohibitions means that the emotions of the audience have been completely controlled by Han Lie.

While he was fiddling with the rhythm, Han Lie's voice and tone were also changing. His superb line skills allowed him to show ease in changing the emotions of his vocal output.

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

First we need to understand what dividends are.

Dividends are the profits that shareholders regularly receive from listed companies at a certain rate. Dividends are the remaining profits that are distributed to shareholders in proportion to their shareholding after the listed company distributes dividends.

In short: a listed company makes a profit and then distributes dividends to its shareholders.

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

Regarding this step, I have solved it for you.

There are only five that are really worth looking forward to - the five major banks that have established diplomatic relations with China, Agriculture, 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 listed companies with the highest dividend payout ratio over the years, and they pay dividends every year, solidly shouldering the responsibility of growing together with shareholders.

Taking the Agricultural Bank of China as an example, last year's plan was to distribute cash dividends of 1.77 yuan for every 10 shares, the equity registration date price 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 slight gap with Agricultural Bank of China, but not much. Generally speaking, it has maintained a dividend rate of more than 6% for many years, and occasionally it can reach 7%.

Do you realize this?

In recent years, the five-year fixed deposit interest rates of major commercial banks have ranged from 3.65% to 4.55%, with the highest rate not exceeding 4.55% in one year.

As for our company's hybrid graded fund [Tianji No. 1], the fixed income of the priority part is 6.5%, with the funds of the inferior part as a soft guarantee.

Many customers want to buy our priority and think it is very cost-effective, even cheaper than the agreed interest rate for large-denomination certificates of deposit in banks.

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

But if we average the dividend rates of ICBC and CCB in the past five years, we will find that their average dividend rate has reached a level of about 6.25%.

A little worse than us, but not limited.

What does this dividend rate mean?

If you buy 35 million ICBC shares now, about 16 years later, you will receive a total of 35 million in cash dividends, and the shares worth 35 million are still there and will continue to generate a steady stream of dividends.

So, what makes many people reluctant to make deposits in disguised form in this way?

Yes, that bank friend was right, it’s because of the “Listed Company Dividend Income Tax”.

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

After this calculation, 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 currently under discussion for removal and abolition.

Because it hinders our long-term and stable stock holdings, is not conducive to listed companies' obtaining long-term and stable financing, and also affects the long-term stability of the stock market.

It will inevitably be abolished in the not too distant future.

At that time, dividends received from holding a stock for a long time will be tax reduced or even tax-free.

The distinguished guests here include many senior executives of banks and securities companies. You are the ones who feel this the most. Am I right? You should make your own judgment. "

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

Such as Jinhang, such as Professor Du, such as Tang Xintian's sister-in-law, such as a certain director of the China Securities Regulatory Commission...

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

But at a higher level, relevant voices do exist.

It's just that because this matter involves three departments, namely Finance, Taxation and Securities Regulatory Commission, it needs to go through a relatively long period of internal demonstration, multi-department consultation, 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, all departments are not acting in a hurry, and it seems that the actual implementation is far away.

But Han Lie knew very well that once the stock market crash occurred, this policy would be implemented within a few days.

So, for now, it's a little secret.

Those who didn't understand just didn't know how serious it was, and the few who really understood it were "scared" by Han Lie.

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

Han Lie looked at the bottom of the podium with a smile, and looked into the eyes of those who were scrutinizing and doubting him. His posture was leisurely, and the smile at the corner of his mouth looked confident and mysterious.

Yes, he did it on purpose.

There are many high-level financial people here today, and it’s not convenient to name them all.

To impress them, it is not enough to make money.

Simply having a high level of trading can make them say "amazing talent" at most, and then everyone can play their own way.

For example, the Modu branch of the Workers' and Peasants' China Construction Branch is a first-level branch. If a vice president comes in at a lower rank, there is no need to hold Han Lie in his mouth. There is no reason to treat him as an onion.

No matter how powerful you are, Zhongmei's size is there now, and it only has 7.5 billion in funds if it is fully used with two products.

If someone's personal interests are not related to yours, do they need to pay attention to you?

But when Han Lie used the dividends very cleverly to fake this, the situation was completely different.

The higher the position of the person, the more cautious they look at him.

Their thoughts are almost the same——

Indeed, with Han Lie's ability, it is very common sense that some high-level officials value him and appreciate him, and even entrust him to handle family assets...

After Han Lie's small exposure, when most people didn't react, he lightly skipped this section and continued his lecture.

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

But as I said before, this is a compound income plan built in a special period. Don’t forget the capital gains.

What are capital gains?

Roughly speaking, we can simply understand it as the benefit brought to us by the increase in its price after buying a stock.

Some people may think that if the bull market really comes, how much can bank stocks rise?

Compared with other stocks, its growth rate must be at 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 the bull and bear cycles. The core is 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 to have the original conditions to survive any economic crisis.

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

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

I do, but please bear with me.

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

Everyone, here comes the point——

my country's non-conventional consumer inflation rate may reach 8% in certain periods. This is monetary data after excluding basic daily necessities.

In other words, for ordinary people, because the prices of basic living supplies such as food, meat, eggs, milk, gas, and electricity are quite stable, the actual CPI they have endured in the past five years has remained around 2.5%.

The core inflation rate excluding food and energy is also not high, with a maximum of 3%-4%.

However, due to the large amounts of cash and financial assets held by wealthy people, they have been affected by factors such as the global currency depletion, and the actual currency depreciation rate they endure is much higher than that of ordinary working-class people.

Do you understand?

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

Since most of the income of the working class is used to maintain their living and daily consumption, they can easily beat inflation as long as they have a loan property purchased in advance. This is a special feature of our era.

And you, because you have 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.

This situation puts forward higher requirements for our asset preservation efficiency.

Before the tax-free policy was implemented for the five major banks, the dividend yield of about 5.2% was obviously a little worse.

So I have to say that you are really lucky to have come to listen to my lectures during such a special period.

What will happen if the stock index finally falls below 2,000 points again in mid-March according to my judgment?

Based solely on the current plan, the stock prices of the five major banks will reach a low point with great long-term investment value!

ICBC costs 3.23 yuan, and Agricultural Bank of China costs 2.12 yuan. If you are a conservative investor, just use all your spare money and buy with your eyes closed.

Is it possible that it will fall further, 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 you don’t pay for social security, I will!

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

I'm just afraid they haven't fallen deep enough.

Second, even if it falls a little in the short term, don't pay attention. We are long-term investors who receive dividends. Five or ten years from now is the time for us to pay attention to the stock price.

If you buy it for 100 million, the dividend rate in ten years will be almost 6.3%-6.8%. There is tax in the first two years, and no tax in the next eight years. This is a minimum dividend income of 55 million.

Next is the stock price high after the bull market arrives.

If you are optimistic, you can make one move during the 15-year bull market, get at least 2 times the increase in income, and then hold it again after it falls back, and continue to earn dividends.

To be more pessimistic, if we hold until 2030, it will be 23 years since the big bull market in 2007. It is impossible for there to be no bull market, right?

What's wrong, has China collapsed?

In fact, based on the profitability of these five banks, even if the stock's price-to-book ratio remains at around 0.4, natural growth in seven years will be enough for them to double.

Everyone, this plan is completely based on the current historical stock market lows. It is simple, crude and extremely safe.

Judging from the model I built personally, taking into account the compound growth rate of major banks, in ten years, the minimum profit will be 350%, and the maximum profit will be 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, if you communicate with me again and carry out certain evasive operations, the profit rate will be at least five times in ten years.

As for the more distant future, perhaps the five major banks will assume more social responsibilities and financial risk isolation, and no longer pursue efficiency and profitability. At that time, the overall growth will slow down, and we can stop this compounding with generous returns. Benefit plan.

Of course, for many of the 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 profit.

Let me emphasize it again——

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

Those who are interested can contact our Zhongmei consultant team for detailed information.

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

The customers in the audience did not let Han Lie finish all the intermission speeches.

As soon as the scattered applause sounded, it broke out in a very short period of time, and combined with the cheers of some young people, drowned everything in the conference venue.

Han Lie's ideas are undoubtedly very trendy in the current era.

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

Where is the difficulty?

The time point is mid-March.

The prices are 3.2 to 3.3 for ICBC and 2.1 to 2.2 for Agricultural Bank of China.

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 make a move to earn the price difference.

Isn't this just a fool's errand? !

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

Thirty to five times in ten years, is this something that a humble person like us can even imagine?

The always steady Caiye was very excited. One can imagine how many people felt that kind of shock.

But he didn't understand the model. He was so anxious that he scratched his head and kept poking at Pan Shengwu: "Damn you, fat man, stop touching it! Ask your son-in-law to tell you more about that mathematical model!"

Pan Shengwu was half lying on the back of the chair, slowly stroking his belly, which was not particularly big, with both hands. Hearing this, he raised half of his left eyelid, glanced at Cai Ye, and let out a powerful question from his nostrils.

"Huh? What did you call me?"

Cai Ye was so angry that he gritted his teeth, but in the end he had to give in.

"Brother Wu! Uncle Wu! I know your son-in-law is awesome, why don't you ask him to take care of your younger brother?"

Pan Shengwu retracted his eyelids and hummed happily: "What's the rush? Let's see how you perform..."

Pan Zi was not the only one who was beeping. Similarly, Cai Ye was not the only one who was anxious.

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

Can you really earn so much by buying stocks of the five major banks? !

The conservatives are extremely anxious, but not as anxious as the old leeks.

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

The plans made using broken bank stocks are so tempting. The second plan for neutral investors, how many times the return will it be?

Teacher Han, please don't rest, the production team's donkeys are all at work!