"Then have you forgiven me?" Wu Nianjiao blinked her beautiful big eyes, pouted her cherry mouth slightly, and looked at Lu Xin with a pitiful and innocent expression.

Lu Xin smiled coldly: "I heard you say that, and I am just defending myself. You think that doing that is a professional habit. You are not wrong. Since you are not wrong, there is no need to get my forgiveness!"

He stood up from the golden sofa, walked out the door.

Wu Nianjiao quickly reached out to stop Lu Xin: "Mr. Lu, let's talk about it well. If you have any opinions about me, just make it clear. I will definitely change what I can, but don't leave if you disagree."

Lu Xin saw that her black uniform was pushed high on her chest and her clothes were about to come out, so he stopped embarrassedly because if he wanted to push her away, his hands would involuntarily push towards her plump breasts.

When Wu Nianjiao saw Lu Xin stopping and thought he was moved by him, she quickly squeezed out a sweet smile: "Mr. Lu, please don't worry, give me your 50 million. I can create a 5% appreciation for you in a year!"

"It's only 5% appreciation?" Lu Xin originally wanted her to take the initiative to let the door open. After hearing what she said, he stared at Wu Nianjiao in surprise: "With such a low yield, you're so embarrassed to say it! If you invest in the stock market, you'll hit the daily limit by 10%!"

"If it hits the limit, five million will be gone!" Wu Nianjiao said with a serious look: "This year, the returns of the wealth management products of each bank are mostly less than 5%. I can say that helping you appreciate 5% is a stable profit without losing money. Well, the returns are proportional to the risks. You require high returns and the risks you bear are also higher. Many trust products can earn 8%, but they require more funds. The holding period is also long. I think it is not suitable for you now..."

"It's okay to have no risks, so I'll save the money regularly!" Lu Xin thought that Wu Nianjiao was just like this, so he casually said.

Wu Nianjiao said with a serious expression: "I don't recommend that you deposit fixed-terms, the maximum interest rate for three years and five years is only 5.6%. The deposit reserve ratio may be raised once in April. The national currency is now in an inflationary state, and the attitude towards money needs to be tightened. The interest rate at this time will be higher than usual, but if you think this is your choice, I can tell you that there are better returns. You can pay attention to our bank's financial products, including short-term, three, five, and seven days. There are also three months and five months medium-term financial products. The profits of these financial products will not be less than the interest rate for fixed-term deposits. If you really cannot meet the returns of the bank's financial products, you can put the funds in the stock market to buy bank stocks, and such returns will be much greater than the interest rate for existing banks..."

Lu Xin is now completely lacking in financial management knowledge. He heard a lot of things Wu Nianjiao said, and he was confused. In this state of asymmetric information, it is easy to be fooled, so Lu Xin said calmly: "Let's do this, tell me first, what you, as a financial manager, do, I want to know more."

Wu Nianjiao smiled and told her work significance and duties in a casual manner. She tried her best to win Lu Xin’s recognition: “We are a provider of comprehensive financial services. From personal financial planning, bank wealth management products to funds, stocks, insurance, gold, and credit cards, we know everything. We have a high education and have passed various professional qualification examinations. Many people also have AFP, CFP, and even CFA certificates. If banks are compared to financial supermarkets, then our financial managers are equivalent to supermarket salesmen. Some people also compare financial managers to customers’ health care doctors. What’s different from professional doctors like fund managers is that health care doctors provide customers with daily health care care and maintain customers’ financial health. As health care doctors, financial managers have closer relationships with customers.”

"It sounds nice!" Lu Xin heard the sentence "If banks are compared to financial supermarkets, then our financial manager is equivalent to supermarket salesmen." Combined with Wu Nianjiao's actions just now, he was a little disgusted with her perseverance and sneered: "If you put your words abroad, it would be fine. Professional financial planners in developed European and American countries will tailor investment and value preservation plans for customers based on the unique property characteristics of different families. But what the current financial managers in our country say is nice, but they are actually selling financial products to customers, and they are actually salesmen!"

"You are questioning my professionalism!" Wu Nianjiao's beautiful almond eyes widened and stared at Lu Xin: "Do you think I can't help you appreciate, you're just fooling you into throwing your money here?"

"Isn't it?" Lu Xin sneered: "You ask yourself, do you really have the professional ability to help me appreciate?"

"I have it!" Wu Nianjiao took a bunch of keys from her waist and threw it on the table: "I have been graduating for three years and rely on my own stock trading. I bought a house and a car by myself. If you trust me, let me operate the stock for you. I promise to help you appreciate by 50% in a year, but if you are in bank financial management, you can only 5%!"

"Why are there so many differences?" Lu Xin widened his eyes in surprise.

Wu Nianjiao stared at Lu Xin calmly: "Some time ago, a wealthy man from the mainland who had opened an account to invest in financial management products at Hong Kong DBS Bank and Hong Kong Dutch Bank. Not only did his tens of millions of dollars quickly disappear, but he also owed a huge debt from the bank. For a time, people were afraid of financial management. This trend also affected the mainland's banking industry. Investors are avoiding risks, and the market demand for low-risk products is greater. Banks' current financial management products tend to be conservative and follow the trend. Previously, some bank wealth management products suffered huge losses, which made financial management products fall from the altar. Banks also learned from their mistakes and were no longer blindly confident in their product design capabilities. They did not think that they could design products that only make money but not lose money in the current economic environment.

Nowadays, except for a very small number of major banks that have stock-linked financial products, other banks basically launch low-risk financial products that invest in bonds, treasury bonds, and central bank bills.

Low risk means low returns, and the higher the returns, the higher the risk. If you want high returns, you will have to accept the challenges of high risks. Are you willing to accept the challenges with me?"
Chapter completed!