Chapter 219 Mother-in-law’s financial management (monthly tickets will be added, please vote)

After resting early in the evening, Gao Yang said: "After the official launch of the city life website, Chen Sen wants to do business as well. He will lead a team to sweep the streets and accumulate information database. It will be very hard. After the Spring Festival, he will withdraw from Yuanda Company and work full-time.

internet."

Gu Yawen said: "After the Spring Festival, I can walk every day and speak. By then, I will officially go out to work."

Gao Yang shook his head: "I don't want you to work too hard. Besides, before going to kindergarten every day, my mother's company is very important."

Gu Yawen smiled and said: "I am not working hard, and I will not delay spending time with my children. I am only 25 years old, so you have to raise me like a canary."

Gao Yang thought about it and smiled: "It's up to you, but you can't be really busy, and don't go to the company to work every day, let alone work overtime."

Gu Yawen smiled sweetly: "Husband, I know. By the way, my mother is asking whether it's time to take action on the real estate investment you mentioned."

Gao Yang said: "Tomorrow, let's have a good chat with mom..."

The next day, Sunday, after breakfast, Chen Sen and Feng Lan went into the city to look at houses and take out a mortgage of about 110 square meters, planning to build a home in the capital.

Chen Sen and Feng Lan now have a combined monthly income of more than 20,000 yuan. They can mortgage a house easily.

The two are also planning to get married during the Spring Festival this year.

After Chen Sen left, Gao Yang asked Wu Ruohan and Wu Xiaoyue to push Tiantian out to bask in the sun, and Li Xiuzhen followed.

Gao Yang invited his mother-in-law Wu Lan into the sunroom on the roof of the building, while Gu Yawen was making tea.

Sitting down, Gao Yang said: "Mom, the housing prices in Beijing have dropped a lot this year. In Chaoyang, the prices of some new houses have dropped below 4,000. It's time to sell. This year's housing prices are likely to be the bottom price."

Wu Lan smiled and said: "Okay, let's buy it then. Mom is waiting for you to talk."

Gao Yang smiled and asked: "Mom, how much money do you have in your hand now?"

Wu Landao: "A total of just over 250 million."

Gu Yawen was surprised: "Mom, you still have so much money."

Wu Lan smiled and said: "In the past two years, the interest on bank deposits has been close to 10 million. In June, in addition to the hotel, the last batch of the company's assets were also disposed of at a low price and transferred to your Aunt Xu. The total is 30 million, which can be regarded as making up for others.

favor."

Gu Yawen rolled her eyes: "Mom, you have so much money in your hand. Gao Yang and the others want to invest in the Internet and will soon register the company and officially launch it.

My Yuanda Company will open up new industries and new customers next year, and it seems that the office space is not enough.

Now, there is an office building with an area of ​​over a thousand square meters for sale in the Weber Building, and the price is also cheap. How about you buy it and rent it to us at a low price first, and then wait for Gaoyang and their Internet project to improve, and then collect the rent normally, okay?"

Wu Lan smiled and said, "No problem, I'll do whatever you say. I'll buy the office building and let you use it for free for a few years, no problem. Anyway, the meat will be in the pot even if it gets rotten."

Gu Yawen smiled: "Mom, you are so kind."

Gao Yang was also happy, she was better off as her mother-in-law, she was rich and could do whatever she wanted.

Wu Lan asked again: "Gao Yang, if I use the funds in my hands to buy real estate, do I need to add some leverage and get a mortgage?"

Gao Yang shook his head: "Mom, there's no need. More than 200 million yuan is already a lot of money. If we become a developer, we can develop real estate, so we can buy a house with the full price.

With so much money, you can talk to the developer about a preferential price, sweep the building directly, and then let the developer carry out simple renovations so that people can live and use it normally and collect rent for a long time.

With more than 200 million yuan, if the average household is 60 square meters with decoration, at 4,500 yuan per square meter, you can buy 700 or 800 apartments.

Then rent it out, and it is estimated that the annual rent can be close to 20 million. This is long-term investment and financial management.

With so many houses, we can be a real estate agency to manage them.

I suggest that we consider buying houses together in the west, east and north Huilongguan areas of the city.

In the west and east of the city, you can consider focusing on the area between the Third Ring Road and the Fourth Ring Road. House prices in Huilongguan are very cheap, and now they are connected to the subway. Houses will be easy to rent.

Our intermediary company opens a store in each of these three areas. In addition to operating its own housing, it can also expand the housing stock. Once the intermediary company is done, it can also make a small amount of money and support a group of employees.

In addition, Mom, please go to a securities company to open an account. At this stage, invest 5 million in funds, and I will help you make stocks. In the future, when the rent comes out, most of the annual rent income can be used to increase stock positions.

, make long-term investments.

This is the long-term investment and financial management plan I help you envision. The investment income in the future will be very considerable, and you can rest easily without worrying too much..."

Wu Lan smiled and said: "Okay, Mom believes in your ability and vision, so let's do it."

Gao Yang was also in a very happy mood.

In the past two years, he has completely established his image as a good son-in-law in front of his mother-in-law. Wu Lan also listens to his ideas and strongly supports them.

According to Gao Yang's long-term investment and financial management plan for his mother-in-law, Wu Lan's net worth in more than ten years will be in the tens of billions, making her a wealthy woman.

These matters were quickly agreed. Tomorrow, Wu Lan will go to pick up the 1,200-square-meter office building transferred from a large owner of the Weber Building, with an estimated investment of about 9 million.

This office building is just one floor above Jiaoyang Company, on the 9th floor of Building B. The property market has been bleak this year, which has also dragged down commercial real estate. For such large office transfers, the owner has not been able to sell it for nearly half a year.

Thinking of the stocks, Gao Yang returned to his study, sat down and called He Yong, who was working in a suburban county in Shudu.

Gao Yang asked: "Brother Yong, have you done any stock trading this year?"

He Yong said: "No, I have been holding back, waiting for you, a master, to give orders. The stock market this year is also quite miserable. Why, do you think you have a chance?"

Gao Yang said: "I think we can make a long-term plan. Brother Yong, how much capital do you have in hand?"

He Yong said: "There are more than 16 million, I can use 15 million to invest in stocks."

Gao Yang asked again: "Where is my second brother?"

He Yong said: "We were drinking together two days ago. He must have more than 10 million in his hands."

Gao Yang said: "Brother Yong, I will tell you some stocks, please write them down carefully..."

When He Yong found paper and pen, Gao Yang mentioned the four liquor stocks of Moutai, Fenjiu, Laojiao and Wuliang, the two pharmaceutical stocks of Yunbaiyao and Pianzihuang, and the brokerage stock of Zhongxin Securities.

Gao Yang said: "Brother Yong, these stocks are the stock pools I recommend to you. From now on, you can consider slowly building positions at low prices and shooting all the bullets."

He Yong asked curiously: "You won't help us operate it?"

Gao Yang said: "You don't need me to do it, you can just do it yourself. Brother Yong, please remember that what we want to do is long-term investment, and the cycle will be more than ten years. If you buy it, you will hold the stock without moving, even if there is a temporary floating loss."

, don’t panic, I predict that if you stick to it, the long-term benefits will be very high.”

He Yong was surprised and said: "You have invested for more than ten years and have been holding it forever?"

Gao Yang said: "Yes, I have been holding on to it. When it is time to withdraw temporarily, I will notify you."

He Yong smiled and said: "Okay, you are a master, I believe you. Pengzi has never touched stocks, why don't you help him?"

Gao Yang said: "Brother Yong, help him do it, I don't have time."

He Yong said: "Okay, then I'll do it for him. By the way, when the dividends are paid out during the Spring Festival, can they be used to increase positions?"

Gao Yang said: "Okay, it's a long-term investment anyway. If you have money, you can wait for the low point to increase your position."

Last year, Hai Di Lao paid out a large amount of dividends, and the initial investment of 20 million by Gao Yang and the other two people was recovered. It was agreed at that time that the dividend ratio should be maintained at 30% to 40% of the company's annual profits in the future.

The remaining profits are converted into capital reserves and used for Haidilao's expansion and opening of stores across the country.

This year, Haidilao's business in Beijing has been affected by the epidemic, but the company's annual profits are still expected to exceed 100 million, and dividends of 30 to 40 million will be distributed before the Spring Festival.

By then, Gaoyang's 20% equity will be able to distribute dividends of about 7 million yuan...
Chapter completed!