In the new week, please [recommended] and [recommended].

The incident will be resolved this week and will not be delayed again.

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It’s true that it’s a marriage? Lin Qiang wanted to ask, but it was really hard to ask this kind of private question too clearly. He had to ask in another way: “Mr. Luo, your career has been done like this. It’s logical that it’s time to buy some insurance for your family.”

"Well, many people have recommended insurance and hope that I will invest my money in those products that have lasted for decades." Luo Yongsheng rubbed his eyes with both hands. The topic just now made him feel tired, "But I have no idea to buy these products for my own people for the time being. Sorry, are there any other recommendations?"

Lin Qiang thought, and whenever Luo Yongsheng talks about his career, he will be full of energy, but when he touches his wife, he will be extremely depressed. Sure enough, Luo Yongsheng's career is booming, but has the fire in the backyard?

"If I remember correctly, your wife and you were classmates when you were studying abroad?"

"Haha, yes, when I was studying abroad, the two of them cooked together and lived in a low-rent house of more than ten square meters. They lived in poverty, but full of hope." Luo Yongsheng shook his head with emotion, "Now, I see that I have made a fortune..."

Lin Qiang stared at Luo Yongsheng and hoped that he would continue to talk, but Luo Yongsheng frowned and asked, "Manager Lin, what product do you want to recommend?"

Lin Qiang knew that the current situation could no longer be forced to question, and that would only force the customer to leave. He searched his throat and said boldly, "I plan to recommend a product that is absolutely and will never make money."

"Absolutely, a product that will never make money?" Although Luo Yongsheng was surprised, he was more curious at this time. This was the first time he saw this strange sales method, and he was a little eager to try it. "So please, please try your best to convince me to buy this thing that will never make money!"

Lin Qiang picked up a black water pen and wrote a line of big words on the whiteboard-

United Charity Fund.

"This is a business that only our bank's private banking consultant will propose. I directly overrepresented it." Lin Qiang put his hands together and began to introduce, "On the United Charity Fund, more than 20% of the funds in the fund will be used for charity, and the remaining funds will ensure the operation of the fund, and appropriate investment will be made. Investing in this fund is a form of donation, but it does not mean donation. It is a new product mixed with charity and commercial funds. The expected return is negative 10% to zero, and it is absolutely impossible to make a profit."

Although Luo Yongsheng was confused, he still tried hard to think about what Lin Qiang said: "Do you want me to be a philanthropist?"

"Philanthropists are just titles that they get by the way, and this fund has more meaning."

"Please make it clear, I've never heard of this."

"Have you heard of the Bill Gates Fund?" Lin Qiang asked.

"Of course." Luo Yongsheng looked moved, as if he understood something. "He donated all his equity to charitable funds in his name, claiming that he would not leave a penny for his children, but in fact, his children have become billionaires by inheriting this funds. In this way, they can't help but gain the reputation of a philanthropist and avoid tens of billions of inheritance taxes."

"What you mean... won't be..." Luo Yongsheng was surprised and proud.

Lin Qiang, compared himself with Bill Gates, was really a little drifty for a moment.

"The principle is similar, but the process is a little different." Lin Qiang continued to introduce, "This fund is specially applied for by our bank and is fully in line with the relevant national policies. Due to its charitable background, it also has considerable advantages in tax rates and inheritance. At the same time, it accepts various investment forms such as cash and equity. Annual dividends can be withdrawn in January every year. At the same time, there will be a large fundraising reception in December every year. This is our bank's extremely high-end product. It should have been recommended by a private bank consultant, but I was brave."

"Well..." Luo Yongsheng asked after thinking for a moment, "We have something to say, can I understand this way? This fund allows me to invest directly with equity and avoid certain taxes. In addition, due to the charitable background, there will be an advantage in inheriting children. The only disadvantage is that it will never make a profit."

Lin Qiang nodded: "Yes, it will never make a profit. In fact, it is impossible to completely avoid taxes. Although you donate without paying taxes, you have to pay taxes for dividends."

"Haha, it's such an interesting thing." Luo Yongsheng became even more curious, "I want to see if there is any promotional material."

"This...sorry, our business hall is too small. I have to ask my colleagues from the private banking department to borrow it." Lin Qiang said embarrassedly, "You can leave an address, and I will express one as soon as possible."

"Okay, can you introduce it in detail?" Luo Yongsheng had already drank all his coffee, put down his cup, and asked expectantly, "For example... what kind of charity is used for, whoever invests in it, etc."

"Of course, this fund is mainly invested in education. In the two years since its establishment, 52 Hope Primary Schools have been established to support thousands of poor students in college."

"Well... what is the approximate scale of the capital?"

"Haha, even if I know this, I can't say it." Lin Qiang smiled, "After all, there is a large amount of investment in it in the form of equity, and it's hard to judge, right?"

"This is also, equity... equity..." Luo Yongsheng's expression suddenly moved and he began to think about it.

"In today's financial era, equity holds much more property than cash."

"Well..." Luo Yongsheng leaned on the sofa and fell into deep thought again.

"Do you invest with equity..." He thought about the possibilities of all.

The room was silent for a few minutes.

"Wait until you send me the specific information, you need to be more detailed." Luo Yongsheng finally looked at Lin Qiang and spread his arms, "This project is too big, I have to be more cautious. Equity is a very empty thing, but it is also my most important thing."

"Of course." Lin Qiang also knew that the opening was a bit big this time. It was useless to leave time for Luo Yongsheng to think. Such people must rely on their own reason to make judgments.

However, there is one thing now that may make Luo Yongsheng lose his mind.

"By the way, I forgot about something very important." Lin Qiang sat gently next to Luo Yongsheng and said in his throat, "This... is not convenient to say, but considering the various possibilities, I still want to tell you in advance."

"Please say it."

"Since this 'investment' is actually in the form of donations, whether it is cash donations or equity donations, the money does not belong to you during the operation of the fund until you withdraw the investment."

"Oh?" Luo Yongsheng is a smart person. He has already realized the key from it and his expression has become interesting. "Please explain it more clearly."

"Okay, let's put it more thoroughly. This donation can be inherited, but it cannot be divided. It is a donation honor, but it is not real money before the withdrawal." Lin Qiang looked at Luo Yongsheng with a smile, "That is, if you happen to you, your children can inherit the donation; but if you divorce, your spouse has no right to divide the money. Because this money belongs to the foundation, you have already donated it."

Luo Yongsheng slapped his hand with a punch and asked excitedly: "So assuming I donated my existing equity, then the dividends after the company went public..."

"It belongs to the foundation in name, but it can be withdrawn every January." Lin Qiang smiled silently, "So in fact, it's yours. But be aware that this fund is a charitable fund after all, and it is completely impossible to make a profit when it is withdrawn."

"Interesting, interesting!" Luo Yongsheng kept slapping his palm. After hesitating, he looked back at the door of the room, and then asked in a low voice, "To be honest, my relationship with my inner person recently... is a little troublesome."

"Oh?" Lin Qiang pretended to be surprised, "Your career is so successful, how can you be in trouble."

"Oh, it's precisely because my career is so successful." Luo Yongsheng's expression changed, and his pupils revealed a little resentment, "You know, once the company goes public, my original shares will be worth a lot of money. She saw this opportunity and tried to separate the results I have achieved over the years."

"..." Lin Qiang asked in surprise, "As a wife, you should have helped your husband twice as much at this time, right? Why is this happening?"

"Damn! I want to know too!" Luo Yongsheng suddenly slapped the table desperately, "I can face the competition in the mall with many opponents calmly, but when it was about to go public, it was really chilling for me to have such a show at home."

"I understand." Lin Qiang said seriously, "I shouldn't ask about your wife's affairs, but if the matter is caused by your wife's greed as you said, relying on my professional knowledge can ensure that your money will not be distributed by her."

"Hmph, I'm not so heartless." Luo Yongsheng leaned on the back of the sofa and sighed, "After all, we have been together for so many years. We can give her a house and give her another million assets. But now, she is aiming at my original shares, which is the result of my life's hard work. This is intolerable and undefiled."

"Although I shouldn't ask... I'm still curious about this." Lin Qiang asked in confusion, "So many years have passed, why should she do this?"

"Maybe it's a pursuit." Luo Yongsheng smiled bitterly and patted Lin Qiang on the shoulder. "She hopes to immigrate to the United States, so I insist on returning to China to start a business; she hopes to go out for an outing every weekend, but I have to work overtime all night... In the long run, there will be more and more conflicts between husband and wife."

Luo Yongsheng just casually expressed his life, but when he heard Lin Qiang's ears, he seemed to be talking about himself, such a similar experience and two similar people. If he had kept her at that time, would the endings he faced were the same?

"But now it has changed." Luo Yongsheng said with a straight eyebrows, "I am a conscientious person, but I cannot tolerate the behavior of coveting my equity."
Chapter completed!