Qin Han answered one by one, "The original capital was 100,000, and the highest profit was 1.3 million. Later, 300,000 was withdrawn, and the remaining 1 million is in the account."

“The trading plan is perfect, stop loss immediately when the loss is 10%.”

“Because the principal is only 100,000, even if the direction is wrong, it is just profit taking.”

Yun Luo was stunned.

She began to wonder, isn't the idea quite clear? How could there be a risk of bankruptcy?

After thinking for a while, she said, "If you have already left a way out for yourself, then just go for it."

Instead, Qin Han pondered for a moment and changed his mind, "You've slept for a long time. I'll take you around. We won't do the transaction for now."

"No need." Yun Luo declined, "Just do your thing."

Qin Han said, "I've thought about it and I think what you said makes sense. The current trend is not clear, so there's no need to place a heavy bet."

For investors, the best thing to do is to go for a one-sided market.

The so-called bull market is a one-sided rise, and you can make money by buying on dips.

The so-called bear market is a one-sided decline, and you can make money by short selling at highs.

The direction is unclear and the losses will be huge if you make mistakes. It is better to stop and take a rest.

In trading, the more diligent you are, the more money you will make. The correct approach is to wait for the right opportunity and make a big profit at one time.

Since he said so... Yun Luo chose to accept the other party's kindness.

**

The next day, Qin Han settled his futures trading orders and then made a special trip to the investment company.

Yun Luo has been in the hospital for a year, but the company is still running smoothly.

During working hours, the researchers sit at their seats, staring at three or four computer screens, without a moment's rest.

"Qin Han, why are you here?" The vice president, whose surname is Liu, was giving instructions to his employees. Unexpectedly, when he looked up, he caught a glimpse of a familiar figure standing not far away.

He was smiling and was about to greet her when he suddenly remembered something and frowned, "You come to see me at this time, could something have happened to Xiao Luo?!"

Yun Luo sat on Qin Han's shoulder, quietly looking at the vice president appointed by her father. Unfortunately, the other party couldn't see her and was waiting for Qin Han's answer anxiously.

"No." Qin Han made up an excuse and said, "I just happened to pass by the company and came up to take a look."

Vice President Liu smiled again, "Why didn't you tell me you were coming so I could send someone to pick you up?"

"Don't bother." Qin Han said, "I'll go to the office and get a book and leave."

"Go ahead." Vice President Liu let him go.

Xiao Luo had been in a coma for a year, but Qin Han had no intention of giving up. He went to the hospital on time every night to punch in and read to the patient.

Vice President Liu sometimes wondered, what a good young couple they were. Why did they have a secret relationship when they were dating, keeping it a secret without letting anyone know?

If Xiao Luo wakes up, I must talk to her properly.

Unfortunately, I don’t know when the patient will wake up.

Thinking of this, Vice President Liu couldn't help but let out a long sigh.

Yun Luo: It’s normal that you don’t know about this relationship, and I don’t know either.

Entering the office, Qin Han explained softly, "After the car accident, relatives rushed to the hospital, shouting that they didn't want you to suffer and wanted you to die euthanasia."

"No matter how close Uncle Liu is to your family, he is still an outsider and cannot stop the patient's family from making a decision."

"I had no choice but to tell them we were getting married soon, so I drove those people away."

"Uncle Liu was kept in the dark and thought we were really dating..."

The office layout was the same as it was a year ago and it was spotless. You could tell at a glance that someone cleaned it regularly.

Yun Luo looked around, feeling mixed emotions, "I've calmed them down one by one. You've worked hard this year."

Qin Han: "Uncle Liu often said that without your father, he wouldn't be where he is today. So no matter what happens, he will stand by you."

Yun Luo fell silent.

Uncle Liu was actually a ruthless person when he was young. He specialized in short-term trading and grabbing daily limit.

With 500,000 yuan of capital, you can earn 500,000 yuan a year regardless of whether the market is bullish or bearish!

Logically speaking, 500,000 yuan a year is better than most office workers. If you maintain this income, the family's living standard will not be low.

The problem is that people are never satisfied. Once they have the skills to earn a guaranteed $500,000, they will wonder if they can earn more.

In addition, repeated success misled his judgment.

Uncle Liu thought that with his current level, increasing the capital would increase the profit, so he took out his bank deposit and raised 1 million to start the business.

I never expected that the feeling of operating 500,000 and operating 1 million are completely different.

Whenever Uncle Liu thought about the fact that most of the family savings were in the stock account, he could no longer be as decisive as before when buying or selling stocks.

I was cautious when I should buy and hesitant when I should sell. After all the trouble, I didn’t make a penny and my mentality was getting worse and worse.

If you are a professional, you should understand by now that the reason for the failure is that there is too much money to be manipulated, which is beyond your ability.

This is the so-called threshold value.

To survive in the market, smart investors have their own strategies.

The threshold varies depending on the strategy and one's own psychological endurance.

Some people can freely manipulate 500,000 yuan of funds, some can freely manipulate 10 million yuan of funds, and some can freely manipulate 200 million yuan of funds.

If the funds exceed the scope of ability, the excess funds will become a burden. At the least, it will lower the annualized rate of return, at worst, it will make the strategy ineffective, and sometimes it will make investors doubt their own ability.

Uncle Liu has mentioned his tragic experience more than once, "500,000 yuan became 1 million yuan. I thought I could do the same thing with more money, but it was not the case at all."

"At the time, I was trading small-cap stocks, so there weren't many shares in circulation. It was easy to get in and out with 500,000 yuan, but with 1 million yuan, I either couldn't buy all of it, or I couldn't sell it in time when I wanted to."

"Looking back three months later, I realized that I hadn't made a penny and had lost thousands of dollars in fees. My mentality was even worse."

"I treat investment as a career, and my family's food and expenses all depend on the stock market. How can I survive without making money?"

"As a result, the more I wanted to make money, the less I could make. I lost 300,000 yuan a year, and my family was so scared that they kicked me out and asked me to find a job..."

Every time he mentions it, Uncle Liu sighs. He is a wild man who has made his way by practicing and exploring skills with real funds.

If you read more books and understand the concept of "threshold", keep 500,000 yuan for operations and keep the rest of the money in the bank, you may not encounter Waterloo at all.

But fortune and misfortune go hand in hand.

It was at that time that Yun Luo's father met Uncle Liu and invited him to work as a researcher in the company. Not only was he given a fixed monthly salary, but he also received additional dividends if his annual income was high.

Uncle Liu was very grateful for being helped when he was in the most difficult time, and often said that Yunluo's father was very kind to him.

The company was handed over to Yun Luo, who assisted him with all his heart.

Yun Luo was hospitalized due to a car accident. He took charge of the situation and waited for Yun Luo to return.

...For an elder who is not related by blood to do this, it is very considerate.

Yun Luo glanced at the office and sighed, "Let's go."

**

After Yunluo's reminder, rubber futures rose for three consecutive days, from 13340 to 14210, an increase of 6.5%, an increase of 870 points.

Yun Luo had to come out and explain, "It's rising in the short term, but it's still a downward trend in the long term."

"It's okay." Qin Han smiled gently. "I've been busy for a year and I'm so tired. It's a good time to take a break."

Yun Luo, "..."

There's no need to make excuses to comfort her, she's telling the truth!

Wait a little longer, the market will tell everything!

There was no need to wait any longer, as rubber futures fell sharply the next day, dropping 4.23%, a full 600 points.

The next four days were spent on consolidation.

On the fifth day, rubber futures fell again, with a drop of 5.16%, a loss of 700 points in one day.

Observing the K-line trend in the past ten days, Qin Han had to admit, "It is indeed a downward trend."

The situation was unclear before, but now the graph shows it very clearly.

Yun Luo: "You help me once, I save you once, we are even now."

"Yes." Qin Han decisively opened the short position.

**

In less than a month, rubber futures fell from 14155 to 10980, a drop of 22.5%.

Futures are different from stocks. You can hold on to the decline. As long as you hold on long enough, there will always be hope of getting out of the trap. In this market, making the wrong move is equivalent to a miserable death, because futures trading is inherently leveraged.

This is how it works.

Goods worth 100,000 yuan can be borrowed by paying a deposit of 10,000 yuan.

The price of the goods was originally 100,000, but it dropped by 10% to 90,000. If the trader made a wrong judgment and bought at 100,000 and sold at 90,000, the money used for the transaction (the 10,000 deposit) would be lost.

This is called "10x leverage".

If you insist on not selling, you will have to pay more margin (for example, another 10,000 yuan deposit).

If there is insufficient funds and additional margin cannot be added, and the commodity price drops to 85,000, the intermediary will intervene and force liquidation of the position.

Therefore, the actual loss amount of this transaction is 10-8.5=15,000.

Not only did he lose the entire 10,000 yuan deposit, but he also had to pay back the 50,000 yuan he owed.

This is called "making a mistake and getting liquidated."

For futures investors, a drop of 22.5% is enough to make those who make the wrong decision go bankrupt and lose all their money!

Those who do it right, like Qin Han, can easily make a profit of 70%.

He didn't feel anything at all when his account balance went from 1 million to 1.7 million. Instead, he was more concerned about Yun Luo. "How long do you have to keep this up?"

Yun Luo: “…”

I don't know either.

Based on past experience, 2-3 years. But this is a damn reward, there's no telling how long it will last.

After thinking for a moment, she said, "I guess the sooner you achieve financial freedom, the sooner I can recover my health."

Qin Han, "?"

Pretty weird causality.

However, no matter how unscientific the thing was, it was happening right before his eyes, and he could only try to believe it.

Qin Han: "Financial freedom refers to a state where a person does not need to work hard to earn money for living expenses."

“Simply put, passive income must exceed your daily expenses.”

“Common passive income includes real estate rentals, stock dividends, fund dividends, bank fixed deposit interest, and loan interest.”

"There are two key points to achieving financial freedom. One, increase interest-bearing assets. Two, reduce expenses."

“Being rich doesn’t mean you can achieve financial freedom. Even if you earn tens of millions a year and spend one hundred million, you still can’t cover your expenses.”

Yun Luo was very pleased.

It is convenient to communicate with people who know the business. When you mention a noun, the other party will immediately understand what it means.

"What are you going to do?"

"There are too many ways." Qin Han sighed.

"More than 1,000 listed companies in Country R have launched 'shareholder preferential treatment' programs. As long as you hold stocks, the listed company will give shareholders coupons for their own businesses. Some people hold stocks of more than 600 companies and live on coupons without spending a penny all year round."

"Some people save up to buy three houses by living frugally, and they are financially independent by renting out their property."

"There are also couples who save 90% of their monthly salary, buy index funds, and rely on dividends to achieve financial freedom. Some even quit their jobs and travel around the world."

"In China, some people invest in Shenzhen Development Bank (now Ping An Bank) and Industrial Bank every month. When they retire, their account balances are several million yuan, and they can receive dividends of more than 200,000 yuan every year."

"There is also the 401k system in the United States. During work, you invest in a fund combination of 80% bonds and 20% stocks every month, with the company and the individual contributing together. When you retire, you withdraw a portion of the funds from the account every month as a supplement to your pension."

"No matter which one, as long as you copy the model, you can achieve financial freedom."

Yun Luo: "Then just pick one..."

"Buy index funds." Qin Han made a choice quickly.

The remaining account balance is 1 million, and the remaining funds are allocated to two dividend funds.

In addition, at Yun Luo's strong request, the medical expenses were deducted from her account and the previously advanced amount was repaid in full.

"That's all." Yun Luo said.

On the one hand, Qin Han is single and has little expenses every year, and the dividends from the fund can easily cover all expenses.

On the other hand... she seemed to have a premonition that she would soon return to her body.

"Can I ask you a favor?" Qin Han asked suddenly.

Yun Luo promised solemnly, "Tell me. As long as it's not too much, I will agree to it."

Just for the good care the other person gave her when she was unconscious, she should find a way to repay this favor.

Qin Han said word by word, "In four years, if I can make 100 million with 100,000, I hope you can give me a chance and let me take care of you."

Yun Luo: “…”

For some reason, her face suddenly turned red.

Yun Luo realized belatedly that Qin Han might have had this in mind from the beginning when he resigned from the company.

Don’t bully the young because they are poor.

If you are capable, you can succeed in a few years.

For example, her father, for example, Qin Han.

Yun Luo then thought that even if she got into a car accident and became a vegetable, there would be people willing to stay with her and take care of her.

...To be honest, it doesn’t feel bad.

As I continue to live my life, I probably won’t meet anyone better than him.

"Come on." The little man in the suit said in a very light voice before his figure disappeared.

That's a promise.

Hearing this, Qin Han's eyes sparkled with joy, and the corners of his mouth couldn't help but rise.

At the same time, in the hospital's single room, the patient moved his fingers and then slowly opened his eyes...

The author has something to say:

Buffett has to be mentioned here again.

Some people always say that Buffett's annualized return is only 20%+, but they don't know that Buffett had too much capital in the later period and his annualized return declined significantly.

When you are poor, you can get a good return by investing all your money in one company. When you are rich, you can buy dozens of good companies and still have cash with nowhere to invest.

**

Data from the CSI Index official website on February 21, 2020:

Dividend Index (SSE Dividend) pe7.05, index point 2676

CSI dividend pe7.91, index point 4394

CSI 300 PE14.49, index point 4149

CSI 500 PE21.78, index point 5784

CSI Bank pepe6.75, index point 6382

**

Japanese uncle Hiroto Kiritani retired with 600 stocks. He worries every day about how to spend all the coupons before they expire.

Japanese girl Xiao is extremely thrifty. She earns 15,000 yuan a month and saves 14,000 yuan. After becoming financially independent, she opened a cat cafe and did what she was interested in.

A couple bought index funds for retirement, then quit their jobs and traveled around the world. This is what the author of "You Can Make Money Without Working" said.

In China, some people have achieved financial freedom by investing in Industrial Bank/Shenzhen Development Bank (Ping An Bank).

**

The author's last popular science:

The book "Long-Term Stock Investment Guide" records a comparison of various asset investments in the United States from 1802 to 2012.

Stock annualized 8.09%;

Short-term Treasury bonds are 5.07% annualized;

Long-term government bonds are 4.16% annualized;

Gold annualized 2.14%;

US price index 1.41%.

[In the long run, only stocks can significantly outperform inflation]

[Our whole life is to get rid of other people's expectations and be our truest selves]

【The life you want can only be interpreted by yourself】

**

【End of the play】

【No extra】