Although Zhou Yang was coaxed by Hong Kong newspapers to be able to turn into gold, it is not easy for ordinary investors to take his wealth train.

As early as last year when the asset management plan was launched, the initial investment threshold was as high as HK$500,000. With the launch of the second phase of the asset management, the investment threshold for accepting investors was even raised to HK$1 million.

But this still does not affect Merrill Lynch's asset management plan, and is sought after by investors in Hong Kong and Southeast Asia. Just one week after Zhou Yang returned to Hong Kong from Singapore, the second phase of asset management fundraising amount of up to US$200 million was already all raised.

The Abu Dhabi Investment Bureau, which had previously asked Zhou Yang to lower the dividend conditions, finally subscribed to US$20 million in accordance with the terms of the standard contract.

The asset management plan originally launched by Merrill Lynch Bank had a too high threshold for ordinary people and they had no qualifications to participate. But after Zhou Yang took control of Qichang Insurance Company, the situation was different.

As early as 1979, California Life Insurance Company in the United States launched a new personal insurance product called universal life insurance.

In addition to obtaining personal protection like traditional life insurance, this universal life insurance can also obtain investment dividends like financial products.

The United States is now in a severe era of inflation. The cash value in this universal life insurance account can be adjusted in real time with changes in market interest rates, and can resist inflation to a certain extent.

In addition, the payment is flexible and the guarantee is adjustable, so universal insurance has become popular in the United States only two or three years after its birth.

Wanbang Insurance, which started with life insurance, introduced this universal insurance from the United States to Hong Kong since last year, which soon caused all life insurance companies in Hong Kong to follow suit, and Qichang Insurance is one of them.

"Brother Li, let me tell you good news. Our Qichang Insurance has changed our boss!" Li Yaoxiang is an insurance salesman in Qichang Insurance Life Insurance Department. His latest task is to visit customers every day.

"Xiangzi, it's all my business to change the boss of our company!" Li Yaoxiang said that Bo Li was the stall guard at the newsstand at the downstairs of his house. An old man in his early fifties and has already started to bald.

For every insurance salesperson, a very important source of customers is to promote insurance to acquaintances around you. Relatives, friends, neighbors, etc. are the easiest people to help you place an order.

"I've heard of 'Child Prodigy Yang', the investment genius at Merrill Lynch. The newspapers you had at your booth a few days ago were all about him, and you said you wanted to make a fortune with him!"

Lai Yaoxiang said with a smile, then pulled out a folding chair from behind the shelf full of magazines and sat next to Uncle Li.

"Is that so? It seems that Xiangzi, you are lucky this time. When you meet a good boss, the flowers will rise sharply at the end of the year." Bo Li was eating melon seeds and said, spitting out two melon seed shells on the ground.

"It's only more than a month left before the Chinese New Year. There's no hope this year. Let's try to get more bonuses next year!" Li Yaoxiang shook his head with regret, "Brother Li, our company recently launched a universal life insurance that can both invest and prevent old age. I'll tell you now?"

"Xiangzi, you'd better go find someone else. I don't have the money to buy your insurance." Bo Li immediately said impatiently. He had been harassed by Lai Yaoxiang several times.

"Uncle Li, I heard that you lost a lot of money before stock trading?" Li Yaoxiang was quite thick-skinned. Seeing Uncle Li was about to drive people away, his butt still had no intention of leaving the stool.

"You are so shameless, right?" Uncle Li glared at him with a dark face.

"Haha, Uncle Li, you misunderstood me. There are too many dealers in the Hong Kong stock market. They have more funds than retail investors, and their news is more informative than our retail investors. They can manipulate a stock to rise and fall at any time.

We can't beat them at all, and we must learn to hold our thighs. And if we talk about the best stock speculation person in Hong Kong, my current boss, "Tong Prodigy", must be one.

Last year, he used HK$100 million in principal to help those who invested in asset management plans make hundreds of millions of profits.

In the past, Merrill Lynch's asset management plan had a very high threshold, so we little citizens had no chance to participate. But now, as long as we invested 500 Hong Kong dollars a month, we have the opportunity to make a fortune with the "Prodigy Yang". I wonder if Li Bo is interested in listening to my introduction?" Lai Yaoxiang asked with a humble smile.

Hong Kong people especially like to give nicknames. According to the information Zhou Yang filled out when he applied for his personal identity before, he was only 26 years old after 1981.

This age can only be regarded as a young young man in the capital market, but Zhou Yang became the most popular figure in the Hong Kong stock market last year.

So after the first year of the Merrill Lynch Asset Management Plan was exposed, Hong Kong newspapers immediately gave Zhou Yang a new nickname called "Child Prodigy Yang".

"What new language are you going to use to fool me this time?" Li Uncle glanced at Li Yaoxiang, his expression full of distrust.

"Uncle Li, I go to your newsstand every day to take care of business. When did I deceive people?" Li Yaoxiang said dissatisfied, "If it weren't for the sake of everyone being neighbors today, I would have turned around and left.

Since "Prodigy Yang" has become the new boss of our Qichang Insurance, he will definitely be responsible for the operation of all the investment plans in the company in the future.

If you go to Merrill Lynch, you must prepare at least 1 million Hong Kong dollars to enjoy the qualification to manage your finances with "Child Prodigy" for you.

But now our Qichang Insurance has launched an investment life insurance that is prepared for ordinary citizens, which is both personal protection and income dividends.

We can ensure that the part of the funds used for investment in your account will definitely be the same as Merrill Lynch’s asset management plan, and the “Prodigy Yang” will help you formulate investment plans and maximize investment returns.” Lai Yaoxiang explained patiently.

"Is this true or false?" Li Bo's suspicious tone was not as firm as before.

"It must be true. Our company's phone number has been blown up by smart people these two days. I also thought that the wealth of water would not flow to outsiders, so I stopped to tell you.

Instead of buying and selling your pension money in the stock market, it is better to buy our company's insurance. In addition to gaining personal protection, it can also allow real "gold medal investors" to help you manage your funds.

Now I will give you a detailed explanation of the universal insurance of our company. First of all, it is divided into two parts: insurance and investment.

If you focus on insurance, then the first-term deduction will be more, and the actual remaining money in the account will be less for investment and appreciation.

But if you plan to focus on investment, then you will be a little worse in terms of protection. However, in this way, the first-term deduction will be very low, and most of the funds can be used to invest and pay dividends."
Chapter completed!