Vol. 1 - Ch. 4 - Capital

The next day, Li Han, who had bought the lottery ticket, arrived at the 4S dealership with high hopes.Having closed a deal yesterday, he received praise from the general manager, but Li Han had already received a better reward.

Before, he felt like he was just working for others here and lacked motivation. But now, he is working for himself. He is not working for a meager salary but to accumulate more data points through the big data app and find more ways to get rich.

This feeling was completely different.

"In five days, you can come and pick up the car. Thank you for your trust," Li Han said with a smile as he saw the customer off.

With the help of the big data app, Li Han sold another car today. Although it was an electric car priced at only 260,000, it could still earn him more than 200 data points.

Adding the remaining 600 data points, he can use them to push himself some more suitable investment projects after he earned enough capital from the lottery he bought yesterday, and then he can accumulate his wealth.

"It feels great to work for myself," Li Han exclaimed with relief. He felt like his life had become more positive and his body was filled with energy.

"Selling two cars in two days, not bad, Xiao Li," a girl next to him joked. "At this rate of one car per day, I feel like you have a chance to become the sales champion of the month. Don't forget about me then!"

The girl's name is Zhang Jing. Although she spoke in a familiar tone with Li Han, they rarely interacted.

She always hung around Yang Hualin and flirted with him.

But this girl actually had a boyfriend. Li Han had met him before; he was an honest guy and treated Zhang Jing well. But unfortunately, he came from an average family and his income was not high. So, Zhang Jing always complained about him and rarely gave him a friendly face.

This couple made Li Han realize one thing: a bootlicker will die miserably unless both parties are each other's bootlickers.

So, Li Han just smiled and didn't respond.

His mind was actually not on work but on the lottery tickets in his hand.

As for the monthly sales champion...

If he could also achieve that, it wouldn't be bad to earn more money, although his boss would earn more.

"I'll try to sell a car every day." Li Han decided.

After work, Li Han didn't bother to stay for overtime and went home early.

After having dinner, he sat in front of his computer, waiting for the results of the Double Color Ball lottery, and carefully checked each of his lottery tickets as the numbers were announced, anxiously hoping to win.

If he didn't win the lottery this time, he wouldn't have enough data points to calculate for the second prize again. S~ᴇaʀᴄh the NovᴇlFɪre .ɴᴇt website on Gøøglᴇ to access chapters of nøvels early and in the highest quality.

Currently, he had 860 data points left, and if he sold two more cars, he could have another chance. There was no need to be nervous, he reminded himself, but his hands couldn't help but start shaking.

"06... 01, 25, 19, 13, 24..." He carefully checked his lottery tickets, and his heart began to beat faster as he waited anxiously for the last blue ball...

"15!" As soon as the last number came out, Li Han breathed a sigh of relief: he had won the second prize. Although he didn't get the blue ball, at least he got the expected prize money of over a million in 20 second prizes. Although missing the blue ball was a bit of a shame, he was satisfied with what he had won. 

"The probability of winning the second prize was only one in sixteen. After all, it's only a one in sixteen chance..." He tried to console himself.

Although he had won the second prize, the probability of winning among the dozens of number combinations he had calculated for the second prize was only about 70%. He was already satisfied that he had won, and he planned to use this money as capital for future investments.

He thought about using his remaining 860 data points to find high-yielding projects and earn more capital. Once he has enough data points, he can make a bigger move.

But even with the help of the Big Data App, he decided to set some rules for himself.

First, he must keep at least a million yuan in his bank account. 

Second, each time he invests, he will only use half of his current funds and keep the other half as a backup for when he fails.

The next day happened to be Li Han's day off, and he went to the lottery center in Beichang City to claim his prize.

He purchased twenty tickets for the second prize for this round. After deducting the 20% for accidental income tax, and adding his original savings, he had just over 2 million yuan.

He considered this money a good starting capital.

Moreover, Li Han didn't want to become rich, as he felt that people around him would see him as a nouveau riche if he did.

The advantage of winning the second prize is that no one bothers him. The media only focuses on the first prize winner. So, he claimed his prize and brought it home to prepare for his next investment project.

But at this point, Li Han faced several choices: which financial management method should he choose?

Financial projects can basically be categorized into three categories: stocks, bank funds, and futures.

It was Li Han's first time using a big data app for financial management recommendations for the first time, so he had a look at each option.

After inputting his current funds and investment period, corresponding financial recommendations appeared in the app's store.

The stock recommendation consumed 300 data points (DP), had a two-week return rate of 140% and a success rate of 97%. The bank fund recommendation consumed 50 DP, had an 80% return rate over two weeks, and a success rate of 92%. As for futures, it consumed 150 DP, had a 220% return rate over two weeks and a success rate of 73%.

Of course, these success rates are not their original success rates, but rather results derived from data analysis by the big data app.

The data about stocks was mostly judged based on the company's situation, the CEO's capabilities, industry development status, etc. Naturally, investing in them would be for the best since they have relatively high returns. But it consumed a significant amount of data points, which Li Han couldn't afford at the moment.

As for futures, although the returns are high, the success rate is much lower compared to the other two options.

So, for now, it is more appropriate to choose the bank's financial project. These projects involve pooling money with a fund management company, allowing the fund management company to handle investments in real estate and similar fields.

Whether it will be profitable or not will depend entirely on the abilities of the fund management company.

So, Li Han spent 200 data points and had the system recommend four fund-based financial products.

The next day, Li Han arrived at the bank and explained to the bank manager the financial products he wanted to buy.

"These projects..." The manager checked and frowned. "They come with high risks. Although the highest return rate can reach 100%, it could also be a complete loss of all your capital, you know?"

Switching gears, the manager changed the topic. "We have a financial product that is very suitable for you. It has a three-month duration and a 5% return rate. It has the lowest risk level. Would you consider it?"

Li Han knew that the manager was recommending some financial products launched by their own bank, as it was a common practice among bank managers.

Of course, the manager also genuinely meant well.

The manager probably thought he was a complete amateur in financial management, attracted by short-term high profits. And indeed, Li Han was an amateur in the field of finance. He had no idea how the money would be managed by the fund management company. But as long as he bought according to the recommendations of the big data app, it would be fine.

"Don't worry about that. I have also done some research on these fund management companies, so I have confidence in their abilities," Li Han replied with a smile. "Besides, this money is unexpected income, so even if I lose it, it won't hurt me."