Payroll Investment Strategy From 20 Thousand To 10 Million Is Not A Floating Cloud.

10 million, in the eyes of many people, it is an unattainable number.

For a white-collar worker who enters 100 thousand annually, 10 million needs him to eat or drink for 100 years to save enough. If someone tells you, a young person without any background, in the past 17 years, has accumulated twenty thousand to ten million through financial management and has completely changed his life. Do you think this is just an Arabian tale?

Ma Jin, a financial planner from the mountain city of Chongqing, is the hero of this legendary wealth story. In April 7th, the West China Metropolis Daily reporter met with the legend after several twists and turns. Face to face with Ma chin, we finally found out his way to success.

　 Buying and selling Treasury bills is the first pot of gold in life.

Like most young people, Ma had no concept of "investment" at the beginning. Ma realized that the opportunity to earn Treasuries was inspired by relatives.

Once, a relative came to Chongqing and asked him which Treasury bills were worth a lot of money. At that time, Ma Jin, who worked in the industrial and Commercial Bank of China (601398, stock bar), was familiar with these quotations and brought the relative to a business point set up by the Finance Bureau.

Many people who buy Treasury bills often can't wait to expire, so they can be disposed of at a low price of 44% off. The relative bought a lot of treasury bills from the selling hands and sold them to Chongqing to make profits.

The horse jumped into the air and decided to borrow 20 thousand yuan to do the Treasury bill business.

Manipulating regional differences in profitable business. Ma Jinfan raised ten thousand or twenty thousand yuan to run, and the yield of each trip was over 10%, that is to say, he earned 1000-2000 yuan a week. In the early 90s of last century, it was very valuable to get thousands of dollars a week, which was worth several months' wages of the general wage earners. Nearly a year, Ma Jin earned nearly 100 thousand yuan.

　 Comment:

100 thousand yuan, at that time could be a huge sum of money, but in addition to money, Ma Jin got more. In the age of lack of investment consciousness, Ma Jin stepped out of his first step in investing. He began to pay more attention to the financial situation and work around the country, looking for opportunities to invest.

　 Fight the original stock and complete millions of accumulation.

There is no shortage of wealth myth. Investment primitive stock Shadow. Similarly, investing in raw stocks is crucial in the success of Ma Jin.

According to reports, in 1992, Chongqing began issuing shares, an ID card can buy a set of subscription cards, a group of 5, a total of 50 yuan. At that time, Ma Jin was transferred to the securities department. When the general public still did not know what the stock was, he had already realized the value of his investment and bought some.

Then Southwest Pharmaceutical three plant, Chongqing development and yutaibai three companies issued shares, a set of subscription card is 1600 shares, the price of subscription card has been sold in the black market to 300 yuan a group. After the listing, the price of floating bonds fluctuated between 2000-6000 yuan, and the turnover was usually over 5000 yuan. Ma Jin sold the bonds and bought the subscription card.

From the primary market to the two tier market, the 1600 stocks of a set of subscription warrants rose to an average of 25000 yuan.

In the "one and a half" market, Ma Jin also made a lot of money. The first and second markets can be described as risky and big opportunities. In 1993, there were few varieties of Wanli battery, Chongqing Industrial (000736, stock bar), Chongqing department store (600729, stock bar), Kui Xing Lou and so on. Ma Jin took a fancy to Chongqing industry and decided to make a bet. He bought 20 thousand shares when Chongqing industry fell from 4 yuan to 2 yuan. Less than 2 months later, the news of Chongqing industrial listing confirmed that the share price in the first and half markets rose to around 8 yuan. 2 months later, Chongqing industrial listed, opening price rose to 14 yuan. In this investment, Ma Jin earned 240 thousand yuan. Later, he bought the subscription card and stock of Southwest Pharmaceutical, Chongqing development and Yu titanium white with the similar method. Three years later, Ma Jin came in nearly 2 million yuan.
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　　 Comment:

The myth of primitive stock making is not the first time. In addition to luck, Ma's success played an important role in grasping the personality of opportunity.

Diversify investment and achieve millions of dreams

Thus, in 1995, Ma Jin became a millionaire through his own efforts, which was a great achievement at that time. But Ma Jin did not stop the pace of investment. He became more and more skilled in investing. He knew very well that eggs should not be put in a basket, so he chose to diversify his investments.

In 1997, Ma Jin reduced the investment in stocks, and set up Chongqing Bauhinia CNC machinery company, mainly engaged in trade business. At the beginning, he ran alone, then transformed into a joint-stock company, ranking the top 10 among his peers. Now he only shares dividends but no longer participates in business.

And Ma Chin's most successful investment also appeared at this time. Since 1998, Beijing and other places have started the boom in real estate speculation. At that time, although the housing market in Chongqing had not moved much, he thought that "it would soon become a fire." In the case of limited funds, he invested indirectly by investing in the shares of land companies. Soon, Chongqing Chongqing high tech company, which is responsible for the development of high-tech zones, came into view. Ma Jin bought 50 thousand shares at the same time as the legal person of Bauhinia CNC machinery company, 8 cents per share, then gradually increased to about 1000000 shares, accounting for more than 1% of the total shares. In recent years, the land development of high tech zones has been spectacular, and the benefits of Chongqing are good. Ma Jin has only 100 thousand yuan a year to earn more than 12% yuan, with an average yield of more than 12%. If it is successfully listed in the future, its value will reach 600-700 yuan.

In addition, in September 1997, Ma Jin opened a bauhinia coffee shop in Monument for Liberation, the most prosperous part of Chongqing, and the business was very good. Later, he invested about 200000 in a bar called "small wine storehouse" across the metropolis of Monument for Liberation, which now gains at least a few thousand yuan per month. In 1999, he bought a 145 square meter facade at Monument for Liberation's pride Plaza at a price of 3000 yuan per square metre, opened a "real taste restaurant", and realized the purpose of diversifying investment and reducing risk.

　 Through several years of investment, Ma Jin finally completed the magnificent transformation from a wage earner to a multimillionaire.

Comment:

After completing certain capital accumulation, Ma Jin chose to diversify investment. From the investment strategy of putting eggs in different baskets, we can see that Ma Jin's investment mentality is becoming increasingly mature.

　　 dialogue

Ma Jin: good financial planner.

Keep looking for good projects.

"In the early 90s of last century, I missed the opportunity to buy treasury stocks and buy stocks. Ten years ago, I missed the opportunity to buy houses. The success of Ma Jin is of no significance. After reading the story of Ma Jin, many readers may think that they have missed too many opportunities and have no luck in their dreams. In fact, it is not.

Reporters in Chongqing and Ma Jin talked for nearly two hours. His persistent pursuit of excellent investment projects left a deep impression on reporters. Although he has already had more than ten million dollars, Ma Jin did not live on his old books. Instead, he yearn for excellent investment projects even more than ten years ago. He said: "a qualified financial planner is to keep looking for good projects. Sitting in office all day is not a qualified financial planner."
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　 Fortune found in advertisements

Ma chin, who was proud of holding a newspaper, told reporters, "these 100 thousand stocks, I only bought 110 thousand."

The newspaper that Ma entered was in November 9, 2010. In this newspaper, the reporter saw the relevant contents of the judicial auction notice of Chongqing Chongqing Aluminum Co., Ltd., which is held by Chongqing Aluminum Company Limited. Ma Jin regards this investment as his most recent achievement. "This is the information I found from newspaper advertisements. Many people may not be familiar with The Venus Company, but its products are known to everyone, that is, the famous beef jerky of Sichuan Province. Not long ago, when they attended their shareholders' meeting, they got the news that they might start the listing process. If they could be successfully listed and landed in the A share market, these 100 thousand shares might become 1 million, and that 110 thousand would be too cost-effective.

　　 Opportunity is around us.

In fact, in the hands of Ma Jin, there are many similar The Venus Company's pen.

"Life is full of investment opportunities. The key is whether you have noticed." In Ma's view, investment opportunities in life can be seen everywhere. "The channels for me to get information are all public information, especially information about equity auctions. I will conduct research on companies that think they have investment value. Because I am in the bank and have regular business contacts with these companies, I have a better understanding of their operation. Ma Jin takes investment The Venus Company as an example. "Many people know that" Sichuan Province "beef jerky, but do not know The Venus Company, this is the accumulation of peacetime.

" equity investment Once successful, it will bring several times or even tens of times of revenue, which is very attractive. Ma said, "related announcements, exchange information and industry associations have many investment opportunities. The key is to see if you can find them. Chongqing united property rights exchange was established shortly ago. There are also many dark horses in the new third board market that will soon expand.

　　 Closed-end funds are suitable for small and medium investors.

What are the good investment proposals for general investors? "In 2007, I began to strongly recommend closed-end funds, and predicted that they would bring more than 100% of the proceeds. At that time, I recommended a fund of 1 yuan, and now the cumulative net value has exceeded 2 yuan. Even now, the purchase of closed-end funds is still a good choice. "

"Closed-end fund is a discount fund, and its cost performance must be higher than that of other fund products." Ma Jin said, "14 closed funds will expire in 2014. There will be no suspense after these funds expire. But after the expiration, investors will "pick up" the difference between their market price and net value. Although the average price difference is not high, it is almost risk-free and yields much higher than bank savings. In view of this period, the net value of the fund is expected to increase further, so this is about 10% of the revenue guaranteed, while there is still a chance to get excess returns.

Ma believes that for investors who pursue low risk and expect high returns, Closed end fund This year is still a good choice.