Chapter 110 A training opportunity

For people with a lot of money, they may not care about a matter of 10,000 or 20,000 yuan. But for those who can only invest 10,000 or 20,000 yuan, how can they easily hand over their savings to others and wait for seven years?

Zhang Huanyu explained, "My target investors aren't content with simply putting 10,000 or 20,000 yuan in a bank deposit. I have to provide them with tangible benefits every year to gain their trust."

Let's start with the benefits. Based on calculations from my hometown project, I've estimated that in just seven years, I'll have the funds to buy back investors' equity. For example, a small investor can invest just 10,000 yuan and become a shareholder and member of the resort, receiving a designated voucher worth 1,000 yuan annually to spend at the resort.

Around the third year, he'll get a 6% return on his investment, and it might even be higher in the fourth and fifth years. After seven years, I'll use 10,000 yuan to buy back his shares. That way, he won't have to spend a cent. He'll receive 7,000 yuan in coupons for seven consecutive years, and ultimately earn another 3,000 to 4,000 yuan in profit. That's a total of 10,000 yuan for free over seven years. This is definitely better than a fixed-term deposit in a bank.

If someone is more cautious and wants to invest 5,000, I'll take it too, and I'll just cut the voucher in half to 500. Those with more money are fine with 20,000 or 30,000, but I won't take anything higher. My project needs more participants, and they're all members. I don't have to spend money on printing promotional ads; they'll join on their own initiative and attract more people to the resort."

Lin Ruoyan nodded. In the real world, before she traveled through time, it seemed a similar crowdfunding project had already been launched on a certain online platform. The initiator had come up with a brilliant idea: get everyone to invest a small amount of money, then promise to buy back their investment at the original price in the future. Within a set timeframe of three, five, or seven years, the project would continue to offer various profits, perhaps special privileges, or even real money.

This is indeed very attractive. Furthermore, some projects have actually been successfully built or put into production. The founders have come up with great ideas and are using other people's money to build their own businesses, while small and micro investors have also benefited from this, making it a win-win situation.

This is different from previous Ponzi schemes like Xu Lifeng's, or websites that rely on recruiting people to spread rumors. No matter how fancy the schemes are, they lack actual production and construction investment. They rely on subsequent investment to pay high profits to those who have already invested. Such projects often offer very tempting returns, such as profits within a month and immediate cashback for recruiting one person. Anyone with even a little bit of vigilance will see through this scam.

Next, Lin Ruoyan and Zhang Huanyu discussed how to avoid this project from being considered a legend, how to package it to gain trust, and how to promote it.

"I'm worried too. Once this thing gets started, I can't do it alone. I'll definitely need a team. I have three or five good friends who are students. They're willing to help me in their spare time, and I'm confident I can convince the people in the village. But we don't know how to build a resort. Even if we get the money, we're still struggling to figure out how to use it and what kind of team to hire to help us." Zhang Huanyu spoke frankly. "So my idea is immature. I know Lin's Real Estate has a lot of experience. Since you've asked me, are you willing to teach me?"

"What you're asking about is what I've been working on lately." Lin Ruoyan smiled slightly. The real estate company has no shortage of professional teams for design, construction, cost control, and even selling vacation products isn't difficult. "But why should I help you? No one gets up early without profit. If you don't want to work for me and just want to start your own business, we can build the things you're worried about and ensure the quality. What benefits are you giving me? I don't mind discussing a profit-making exchange."

Lin Ruoyan had no intention of recruiting Zhang Huanyu from the beginning. She hoped that he could complete his undergraduate studies and preferably go to a place where elites gathered to gain experience before coming to her.

Now he has some brilliant ideas, but lacks the experience and funds to put them into practice. If he doesn't ask her for funds, then she won't force money on him.

Previously, Hao Heshan’s entrepreneurial idea was wiped out by the high salary offered by Lin Ruoyan. This time, Lin Ruoyan did not want to interfere too much in Zhang Huanyu’s development.

Zhang Huanyu had already decided not to rely on his connections with Mr. Lin to raise funds. He simply wanted to implement his creative ideas and prove his ability. Mr. Lin seemed to understand his intentions. Therefore, he couldn't let Mr. Lin down. He said, "Mr. Lin, thank you for listening to my project idea. I'd also like to work with your company. I'll report back when I find the right opportunity to exchange benefits."

Lin Ruoyan nodded: "When you have thought it through, feel free to talk to me. If I'm not in the courtyard, then ask Hua Mengmeng to contact me to make an appointment."

After leaving Mr. Lin's teahouse, Liu Yunxia took her son's hand and asked quietly, "How's son? What did you talk about?"

"I told Mr. Lin about my project idea, and he thought it was worth a try. But I didn't ask for Mr. Lin's investment." Zhang Huanyu only gave a brief answer without giving more details.

Liu Yunxia said, "Why are you so stupid? Ms. Lin is very generous. If she thinks your project is good and is willing to invest, why don't you say no? If the project is successful, or if Ms. Lin sees your abilities, you will definitely have a bright future."

Zhang Huanyu explained, "Mom, my project doesn't require much money, nor does it require a large investment like Mr. Lin's. I just want to prove whether my vision is feasible. There's no such thing as free money. When you need help, you have to pay a price. Otherwise, I won't feel at ease."

Liu Yunxia could vaguely tell that her son did not intend to rely entirely on Mr. Lin's support right now, but had his own ideas. While she was relieved, she was also a little worried that such an independent son might upset Mr. Lin.

Waiting for her son to go back to work at the B&B, she went into the house and cleared the teacups on the table when she asked, "Ms. Lin, my silly son didn't say anything to annoy you, did he?"

"He's quite good. He has ideas and ambitions, and he doesn't want to be supported from the beginning." Lin Ruoyan smiled, "I hope he can think clearly in a few days about what benefits he can get from cooperating with me."

Liu Yunxia didn't understand what he was saying at all. She asked in confusion, "Ms. Lin, are you saying that he wants to work on the project alone and then ask you to help?"

"He told me about his project ideas and sought business cooperation. He wanted to start his own business, but it's impossible for him to get rich overnight. I also run a serious company, so why can't I cooperate with him? As long as the benefits are clearly discussed at the beginning, I think there is profit, so we can naturally do it. After all, we know each other well, and the project he mentioned also has the potential to make a profit." Lin Ruoyan explained nonchalantly.

Liu Yunxia didn't expect that her seemingly shy son would be so fierce. She moved her lips but didn't know what to say.

"Don't worry. If you want to start a business, the sooner the better. There are many opportunities in China now, and one trick can make you successful. I also hope he can succeed soon. But if he fails, he can also gain experience. His initial investment in this project is not much, so it can still be used as a first practice."

Lin Ruoyan wouldn't make any promises of a guaranteed solution. A mature investor must have the necessary experience to navigate the project landscape. No one can always make a profit from every investment, and even the most renowned investors can sometimes make mistakes. One must learn to enjoy success, but also endure the pain of failure and learn from it. The descriptions of this talented investor she'd read in the original book were all positive and glorious, but the painful past of failure was likely from before he became famous.