Li Lin came out of home yawning, watched a variety show all night, and wandered to the bus stop like a zombie.
She is a local and works in a small company. She earns about 3,000 yuan a month. She usually lives and eats at her parents' house, with no extra expenses. Her family conditions are average, but she is old BJ after all, and her parents still have an old house that they have given to her.
Already.
Eh!
She earns little, but she owns a house in Beijing!
She doesn't have a high degree of education, but she owns a house in Beijing, and it's in the Third Ring Road!
She is single, has no partner, and looks average, but she has a house in Beijing, in the third ring road, and in a high-quality school district!
"Is this thing reliable?"
"How much is the current balance?"
"I don't think so. Anyway, if I save 20,000 yuan, I get dozens of yuan in interest a year. I can't even look at the Mahler Gobi without my glasses!"
The comments from others disturbed the sleepy Li Lin. She looked around inexplicably. When she turned around, she found that the big advertisement at the bus stop had been changed at some point.
There is a cornucopia of gold printed on it, with various MLM-style slogans written on it:
"A small treasury, a money-making wallet!"
"Deposit your change and I'll give you a breakfast every day!"
“The cumulative yield (annualized) of small vaults exceeds 10 times that of bank demand deposits!”
There are also procedures to teach you how to operate.
Li Lin usually likes to shop online. She has Alipay and MaiMai Pay on her mobile phone. She clicked on it and found that there was something extra in MaiMai Pay: a small vault!
A pop-up window will pop up.
“National financial management, purchase starting from 1 yuan!”
“There are no thresholds, you can deposit and withdraw anytime, there are no handling fees, and you can pay directly!”
"..."
Li Lin didn't quite understand this. She had worked for two years and had more than 30,000 yuan in savings. She usually put it in her salary card and spent it as she needed it. She had no concept of financial management.
She doesn't dare to do it either.
In the minds of most people at this time, financial management is a lofty term. Funds, stocks, etc. are all for the elite.
After a while, the bus came and she took the car to the company.
We were working as usual, catching fish, and in the blink of an eye, it was noon. Several close colleagues went to a nearby noodle shop for dinner. While eating, a little sister mentioned it.
"Hey, have you seen the small treasury?"
"Look, I can't understand it!"
"Did you put money in there?"
"Hey, I saved 10,000 yuan!"
"10000!!!"
Several people were startled, and Li Lin asked in surprise: "Aren't you afraid that people will take the money and run away?"
"Oh, I've already traded in stocks, why am I still afraid of this?"
"You lost 20,000 yuan!"
"Bah, bah, bah! That's my bad luck. Anyway, you can rest assured about this thing. It is just a monetary fund, with almost no risk."
"almost?"
"No one can say that it is 100% risk-free, but in fact it is risk-free. Just listen to my advice and put some money into it. It would be great to collect interest every day!"
"No, no, no!"
"I wouldn't dare!"
Several people, including Li Lin, kept shaking their heads, while the colleague said: "You deserve to eat noodles for the rest of your life... snore..."
…………
afternoon.
Li Lin found out strangely that those few who said no were secretly searching for all kinds of information. Not only them, but also many people in the company were studying this sudden [small treasury].
"How about I take a look too?"
She couldn't help her curiosity and desire to make money, so she randomly searched online.
Good guy!
[Little Treasury] had only been online for half a day, and it was overwhelmingly filled with related news. She was confused and didn’t know which one to look at. She had an idea and opened the Maili video.
really!
The homepage recommendation has a bold and eye-catching title: "Is the opportunity for all the people to get rich? Let’s talk about [Little Treasury]!"
This is an UP host who specializes in hot social events and has more than 2 million fans. Li Lin usually doesn’t pay attention to it at all, but today he wanted to take a look.
She clicked on the video, which was only five minutes long and full of useful information:
"Traditional funds are sold by banks, with high thresholds and exclusive to wealthy people. If we ordinary people want to buy a financial product, the starting price is 50,000 yuan.
Xiaojinku has put its sales channels online, and it is not selling through Maimai Pay, but cooperating with a company called Tianzhi Fund, so there is no problem of illegal fund-raising."
“Sort by risk: Monetary funds＜Bond funds＜Stock funds＜Stocks
A small treasury is a monetary fund, which mainly relies on banks' large certificates of deposit and treasury bonds to obtain income. It is the most stable and has almost no risk. Look, almost! We dare not say that there is absolutely no risk!"
"Currently on the market, the annualized return of money funds is 3%-4%. [Little Treasury] promises 4%, which is within the normal range. However, traditional funds are settled once a month, and the interest is paid in one lump sum. [Little Treasury]
It’s better to display your daily income and withdraw it as you go.”
"Of course I don't give advice, so as not to say I'm instigating or something, I'm just telling you what this thing is about, it's up to you whether you want to buy it or not."
"..."
Li Lin's heart felt like it was being scratched by a cat, itching terribly.
If I put the more than 30,000 yuan in my card, the interest will be negligible, but if I put it in the [small vault], it will at least be enough for transportation expenses every day, right?
She looked online again and found everything.
"When I see someone talking about risks, I just want to laugh. If there is no risk in investment, is it still called investment? If you save it in the bank, you may lose the money! Those who know a little bit don't worry at all. They know what monetary funds are about."
"I understand, but I still dare not buy it. How can you guarantee that this model will not be regulated or even blocked?"
"Why is it that every time an opportunity comes, a few people always get rich and the majority are mediocre? It's just that they lack a bit of courage! I'm so talented, so I saved all 50,000 yuan."
"Commander Yao is crippled this time. Real money is involved, and his credibility is not enough to guarantee it!"
"Hahaha, so I won't save it. I'll just wait and see!"
Tsk!
Li Lin held back with strong self-control. Yes, it's not too late to take a look first!
…………
The mall now has more than 40 million active users, that is, those who open it every day to take a look - Taobao has more than 60 million.
These more than 40 million people, or even more than 200 million registered users, form the basic base of Xiaoqinku. They are the group of people who are the fastest to accept, the most trustworthy, and the most in need.
A few of them are brave and don't need money, so they will save a sum of money without any hesitation.
For another part, start with 100 yuan and 1,000 yuan to test the water, wait a few days and see if there is no problem, and then gradually increase the amount.
There are also some who are the least courageous and choose to wait and see or refuse.
Since the launch on the 18th, online and offline publicity has been overwhelming, all of which are personal accounts: Today you said you relied on the income from the small treasury to buy ice cream, and tomorrow she said she would add an egg to breakfast and buy snacks the day after tomorrow...
“It’s really enjoyable to watch the daily income come into the account and the savings increase little by little! It’s even more enjoyable than having sex. Chinese people have the gene of hamsters to collect food, and saving money is even more enjoyable.
I now start looking at the graph every day, hahaha!”
Community, Weibo, Maimai, games, WeChat, shopping mall... there are so many platforms under 99, all of which are big traffic users. It is impossible to see them even if they work together.
All these things have made everyone ready to take action, and more and more people are joining in it.
As for Lao Ma?
The old horse has exploded a long time ago!
(No more...
I'm not in good shape today, there are two chapters, and there will be four chapters tomorrow...)