The Moonlight Clan and His Hubu Shangshu

On the premise that Bai Jiacheng can fully control the dogs and young masters with good quality and quantity, he can only walk a maximum of 3 dogs (including pineapple) at a time. The income from Monday to Friday is 50 yuan, and the weekend income is 28 yuan. Earned 312 yuan in extra money.

But this money can only be subsidized and subsidized. Occasionally, when the mouth is greedy, the whole body will be wiped out when the hands are itchy.

Bai Jiacheng fell into depression again because of this.

In fact, he didn't buy any expensive things, he just scratched here and there, swept here and there, snacks and some miscellaneous things that he thought were fun, and the money just flowed away in a muddle.

After returning home from get off work, he squatted in front of the computer and browsed some B2C and C2C websites all night. More and more attractive products challenged his fragile self-control.Click the mouse, and after a while, two pages of content are listed in the shopping cart, from game disks, headphones, books, imported food to clothing, the cumulative amount exceeds 5 figures.

But he has no money.

No, he has money. This month's salary minus the fixed cost of living, plus the fraction of the previous month, totaled 1656 yuan.

But the money was in Teng Yi's hands, and he only took out a pitiful 500 yuan as Bai Jiacheng's disposable change.According to Teng Yi, this is distributed according to his "4321 law", "40% is used for investment, 30% is used for daily expenses, 20% is used for deposits, and 10% is used for insurance. Since your mother has already I bought life-long accident insurance and health insurance for you, and your 10% can be put into the deposit quota.”

So this famous "4321 law" evolved into "433 law" when Bai Jiacheng was involved.

However, excluding the daily expenses of 500 yuan, the 30% used for deposits is also only 500 yuan, and the 40% used for so-called investment seems to be a lot, but in fact it is only about [-] yuan!

What kind of investment can I invest with 600 yuan... Every time his old Bai's "Shenghexiang" opens a new chain store, he must invest at least 75 yuan, right?And the other 500 yuan was used to save money and saved until the year of the monkey...

When Bai Jiacheng muttered about these issues, Teng Yi couldn't help giving him a pitiful look, "You can't 'use money to make money', even if you walk a dog for a long time every day, you still drink the northwest wind at the end of the month. Unwilling to be despised by Teng Yi, Bai Jiacheng hurriedly explained: "Isn't it as exaggerated as you said? Of course I know about stocks, funds, national bonds, and bank wealth management products, but stocks are too deep and it's a matter of luck. I'm too lazy to go into it." Research; buying government bonds can’t compete with old men and old ladies; the starting price of bank wealth management products is at least 5 oceans, why don’t you let me buy funds? Is this little money enough?”

Teng Yi asked: "Otherwise? The monthly fund investment is tailor-made for lazy people like you."

Bai Jiacheng wanted to chase Teng Yi again and ask "one hundred thousand whys", but Teng Yi ruthlessly refused, "If you admit that you are a primary school student, I will teach you abc by hand."

Well, before I knew it, although the landlord talked a lot more than when we first started living together a few months ago, he was still as ruthless as the autumn wind sweeping away fallen leaves towards such a lazy and profane party.

In the next two days, Bai Jiacheng checked relevant information and initially learned that the risks of funds from low to high are money market funds, bond funds, hybrid funds and stock funds, while the returns are the opposite.By the way, I also made a self-assessment of risk tolerance. Since I am poor now, I dare not take too much risk, so I concluded that I am a "stable investor".

Bai Jiacheng felt like a donkey in a harness, being followed by Teng Yi with a small whip to grind the soybean milk in circles. However, compared with the donkey, the only thing he was thankful for was that the beans he had worked so hard to grind finally came to an end. is their own.Thinking this way, it seems that I have the motivation to actively change the passive status quo.

The so-called money market funds are all kinds of "treasures" that are hot in the market now. The annualized rate of return is slightly higher than that of one-year regular savings, which is suitable for managing idle funds. , it is not very suitable for Bai Jiacheng, who is so self-conscious about chopping hands in Ethiopia.

In the end, Teng Yi asked him to focus on bond funds. For one thing, the income is higher than that of money market funds, and the subscription cost ranges from 0.3 to 1.5%. Redemption generally takes T+3 working days, which can be curbed. The desire to use this fund to convert consumption plays a role in compulsive financial management; secondly, even the risk is less than that of stock funds. What's more, from a macro perspective, there are risks in both financial management and non-financial management, because if you do not manage financial management, you will face With inflationary pressure of about 4% per year, the money in the wallet will be stolen bit by bit by an "invisible hand". After about 18 years, the current cash on hand will depreciate to only half of it.

"Acheng, your current monthly fixed salary is 2500 yuan. Calculated according to the inflation rate of 4%, without any additional expenses, if you want to maintain the current monthly living standard of 18 yuan after 2500 years , how much wages do you actually need to maintain?”

2500*(1+4%)^18，“5064块5毛4分钱。”

Mr. Landlord commented: "It's still a bit smart."

"Wrong." Bai Jiacheng shook his finger and corrected him unhurriedly, "I've always been very smart."

"Okay, then let's calculate the compound interest of the monthly fund investment. Assuming that as your salary increases every year, the number of monthly investment will also increase by 5%, so what is the compound interest after 30 years?"

What the hell is this... If you don't raise your salary, it's still a sum of proportional numbers. If you raise your salary, you become dizzy. Bai Jiacheng feels that his IQ is stuck, so he simply abandons his armor and hides in his room, "Stop playing, stop playing , I'll listen to you, isn't it okay to invest in bond funds after the 600 yuan?"

Teng Yi asked him: "You haven't said which debt base to choose."

Bai Jiacheng's door was opened a small crack, revealing one eye to look at the noble and glamorous landlord outside the door, and said weakly: "You are the winner in life, just recommend me any one."

"The consulting fee is 601 yuan."

on purpose!It must be on purpose!Deliberately let him go into debt again before he even started investing!

Teng Yi found that he liked to bully Bai Jiacheng more and more now.

For example, asking him to be stingy like now is just to see Bai Jiacheng frowning, hesitating and struggling in the crack of the door, just like a Bugs Bunny trying to escape with a gun pointed at his head by a hunter.

Of course, he didn't seriously accept the 601 yuan from him. He really accepted it. With Bai Jiacheng as a lazy person, he didn't know that he would delay until the next few months if he wanted to start managing money seriously.Aunt Bai's 2-year deadline actually passed very quickly. Now that he has accepted the big burden of Bai Jiacheng, he still has to do his best to train him.

Because, Teng Yi never does useless work.Just like his view of feelings, since he lost his affection for a straight man for many years in college, he will never have enough patience with anyone, and he will get along with each other if they get along, and break up if they don't get along.

Anyway, he is used to being alone, and there is happiness in being alone, right?

It wasn't until Teng Yi finished drinking the milk that Bai Jiacheng finally came up with his own decision: choose a debt base by himself, although he really doesn't know anything now and his mind is full of muddleheadedness.

Teng Yi was not surprised by this result, and was even a little relieved - this slacker still had some autonomy.

It was the first time he played with funds, Bai Jiacheng didn't plan to get rich overnight, so he picked and picked the ones with stable performance.During the three days of waiting for the fund company to evaluate and confirm the shares, he followed Teng Yi’s plan to deposit another 500 yuan for one year, with an interest rate of 1%, which is more than 3.25 times higher than the current deposit of 0.3%. .

And this mandatory savings is just the beginning. After receiving salary every month, especially after entering the SENSATO headquarters, after the salary increase, you still have to deposit 433% of the money as a regular monthly deposit according to the "30" ratio.Afterwards, every month there will be a ratio that needs to be re-deposited when it expires regularly. At this time, it can be withdrawn and deposited together with the new salary to be deposited in the current month, so that his principal and interest are always in a rolling state, idle The savings funds continue to generate compound interest, let money make money, and gather sand into a tower.

And because the funds are scattered and fixed deposits, you can take out time deposit certificates with small denominations when you need money urgently, without much impact on the regular income of the overall funds.

This can not only ensure cash flow, but also maximize the maximum income, which can be said to kill two birds with one stone.

Of course, Bai Jiacheng is only responsible for "saving", this action...

After completing these two things, the annual consumer festival "Double Eleven" arrived as scheduled.

The temptation of super discounts offered by major merchants makes Bai Jiacheng, who has been tightening his belt recently, very itchy, but when he thinks that he only has 500 yuan, he feels that he has no confidence.

I had to spend Singles' Day with the other two single "dogs" at home.

For dinner that night, Teng Yi didn't say anything special, he didn't add any food to Bai Jiacheng because of the "holiday", but the pineapple ate the nutritious meal specially cooked by Teng Yi.

Bai Jiacheng took a look at the carrot, celery, beef porridge and purple potato and corn steamed bread that Banana ate, then looked at the three dishes and one soup in front of him as usual, and sighed, he ate a mouthful of fat beef in sour soup, and suggested: "Next time Put less sauerkraut, my tears are sour."

Teng Yi was very confident in his cooking skills, so he replied, "Well, I probably cried because of the sour smell."

Bai Jiacheng was irritated by these words, wiped his wet eyes vigorously, put down his chopsticks and asked, "Do I really look poor now?" After a pause, he deliberately added the part he was most concerned about, "I am Speaking of temperament..."

Teng Yi said sincerely: "Now you are like a cowherd boy from the royal family lost in the countryside."

Bai Jiacheng thought this was a bit strange to hear, so he further confirmed: "So you still have the temperament of a prince, right!?" Teng Yi thought for a while, and said: "Before 'lost', yes."

Bai Jiacheng was very disappointed, and protested: "Not objective at all, you are looking at me through colored glasses." Teng Yi then asked him: "Then what do you think the criteria for 'objective' are?"

"I don't know, I haven't figured it out yet..."

Teng Yi shook his head amusedly, and was worried that the cold dishes would cool down quickly, so he urged, "Then eat your meal quickly."

"The last sentence!"

"speak."

"I'm going to eat red bean and purple potato rice tomorrow! Stewed beef with carrots!"

"It depends on my mood."

Bai Jiacheng almost cried angrily because of this double standard, "You are in the mood to cook pineapple on Singles' Day, why can't I!"

"Can you compare with Banana? It's my son. You're a poor cowherd boy. It's good to have food. You have to be grateful."

Bai Jiacheng said: "Teng Yi, you have treated me too badly, I want to tell my brother, and expose your true colors of cheating this week!"

"Just sue." Teng Yi didn't take it seriously at all, stood up and cleaned up the dishes as usual.

Unexpectedly, it was this kind of attitude that dragged to the Milky Way!Too arrogant! ! !Must be suppressed! ! !

After Bai Jiamu received his younger brother's complaint call, he was quite used to it, and said softly, "You two never get along with each other since you were young. When did you brag about Teng Yi with me? I'm going to be surprised."

"But he is clearly bullying me! He hates me even more than when I was in school! Back then, I was called a 'big boy' by him if I couldn't do the questions. Now he despises me all the time!"

"Of course he doesn't despise you, but he has high demands on you. When he talked to me on the phone before, he said that you have performed very well in the past few months and have been making progress. Now that you have saved money, you are slowly realizing Reduced consumption."

Damn...Teng Yi is too good at acting!It was just a step too late to file a complaint, and I was compared to a little man with a small belly by Teng Yi's patriarchal glorious image in front of my brother!This time it really makes no sense.

The two brothers talked about the daily life for a while, and Bai Jiamu still had to be busy with the company, so they asked him, "Brother, do you have anything else to say?"

Bai Jiacheng felt wronged and said, "He refused to make me what I wanted...I'm not even as good as a banana at his house..."

"You have to be grateful, Teng Yi has no obligation to cook for you."

Bai Jiacheng was about to explode on the spot—my brother really deserved to be Teng Yi's best friend, and the two of them clearly vented their anger through the same nostrils!

Teng Yi cleaned up the kitchen and came out. After listening to him finish talking on the phone, he teased as he passed by him: "We lost the first trial, do you want to file an appeal?"

Bai Jiacheng snorted unconvinced, and knelt down to call Bojiao over: "My good grandson, come here, baby Bojiao, come quickly to Grandpa, come on, Grandpa will rub your stomach."

And the price for offending Teng Yi was to eat noodles in white soup for three days in a row.

At the same time, Pinjiao was sentenced to confiscate three days of chicken jerky snacks because of his muddled accomplice nature.

After experiencing this painful lesson, Bojiao also firmly stood in line, hugging his father's thigh tightly and not letting go of his claws.

The cruel reality once again urged Bai Jiacheng not to slow down the pace of "increasing income and reducing expenditure", so he quickly found himself a part-time job with a high salary - the weekend night waiter at the "Groundhog Bar".

[Author's Note] The so-called shrinkage of existing assets by half after 18 years is an estimate based on the "72 Law", which can be used as a compound interest estimate or as an estimate of inflation loss.To estimate the loss as inflation is to divide 72 by the current inflation rate (removing the % to leave the value on the left).

18 years = 72/4 (4% in the text, this year, the annual inflation rate in 2014 is about 3.3%, this is the official data), that is to say, assuming that there are 1000 yuan, after 18 years, due to inflation factors, Only worth 500.

"Handy" is pronounced as "Hong Kong Capital", which is the pronunciation of "stupid" in Shanghai dialect. In the text, Bai Jiacheng and Teng Yi are both from S City (Shanghai).