Venue: Malan Cafe, Nanshan Sanda Building, Shenzhen, Guangdong Province

Lecturer: Tian Wei (tickling)

1. Why is it 1 10,000? -Quantitative analysis of wealth freedom

Why is the topic "earned 1 ten thousand" instead of "how did I earn 1 ten thousand"

Coach said to Tian Wei:

1, success is contingent and cannot be copied;

2. 1 10,000 is a high-net-worth customer, that is, excluding liabilities, the investable assets are 1 10,000;

This classmate said:

1, having 1 billion means having the ability to make money, and reaching 1 billion is no longer a dream;

2. It takes100000 years to earn100000, but it only takes 2 or 3 years to earn100000. It is important to earn the first bucket of gold;

3. For products with an investment of 6,543,800 yuan and an annual rate of return of more than 30%, the income can cover expenses and realize financial freedom;

In the opening part of self-introduction, coach Tian Wei asked his friends to get up and find someone who wears the same color as himself to introduce themselves, and said four questions.

1, name;

2. hometown;

3. occupation;

4. If you could go back in time, who would you choose to be?

I think everyone wants to be a person with his own unique meaning behind him.

Coach Tian Wei said he wanted to be Lv Buwei himself. Can you guess the reason? Yes, because Lv Buwei made a very successful investment.

So what is Lv Buwei's investment model?

2. Easy, normal and difficult. Which mode do you play?

The story of a friend

Coach Tian Wei introduced the four quadrants of wealth by describing Ma Yun's graduation from university, becoming an English teacher, starting a business, making a platform, making loans and investing in other industries.

Employees: Spend time and energy in exchange for money, and those who are employed will lose their income if their employment is interrupted;

Freelancer: Hire others as well as yourself;

The above two quadrants need a lot of time and energy, and their characteristics are discontinuous and unstable;

Business owners and entrepreneurs: there are two criteria for building a system (platform), that is, the system has more than 500 people and the entrepreneur himself has left his job for more than half a year, and the system is still running and getting better and better (not all enterprises call it a system);

Investor: make money with money, buy shares, buy, merge, incubate, etc. ;

ROE: return on equity, which is the return on equity of a unit and represents the profitability of the enterprise (Buffett's most important indicator);

1. Calculation method: ROE = net profit/net assets.

ROE = R profit rate ×O turnover rate ×E equity multiple (leverage)

=R (net profit/total income) ×O (total income/total assets) ×E (total assets/net assets);

Enterprise's profit model:

Maotai: R is high and O is low;

Supermarket: R is low and O is high;

Bank: low RO and high e;

Enterprises with multiple profit models:

JD。 COM: OE is high;

Real estate: Re is high, and due to the difficulty of bank loans, it is developing in the direction of improving O;

2. Profit rate of net assets

(1) ROE reflects the profitability of the owner's investment. The higher the proportion, the higher the income brought by the owner's investment.

(2) The return on net assets is to examine the profitability of an enterprise from the perspective of the owner, while the return on total assets is to examine the profitability of the whole enterprise from the perspectives of the owner and the creditor.

(3) Under the same level of total assets profit rate, different forms of capital structure, that is, different ratios of liabilities to owners' equity, will lead to different net assets profit rate.

Third, do S or B-comprehensive analysis of six ways to earn you 654.38+00,000.

E quadrant formula: 654.38+00,000 = (income-expenditure) * n；;

Income is not paid in full, but part of the price after it is converted into commercial value;

N is the working years, and the upper limit is 40 years;

This quadrant needs to increase revenue and reduce expenditure. Increase income, such as improving personal ability and post salary;

S quadrant formula:

It is the same as the E-Quadrant formula, except that the coefficient 0.x is changed from the income part in the E-Quadrant formula to the expenditure part (as shown above), which means to pay the remuneration paid by others for the commercial price;

Income = (enthusiasm+talent) * demand (the formula can correspond to the clover career development model);

Interactive game: a piece of paper can be folded to the maximum number of times;

Coach Tian Wei gave each of us a piece of A4 paper, with the size of 1/4 and the thickness of 0.1mm. Fold this paper to the maximum, and fold it for 7 times at most.

This leads to a question, if an infinitely long piece of paper can be folded infinitely, how many times can its thickness reach the moon from the earth? The distance between the earth and the moon is 380 million meters; m；

Answer 42 times correctly, leading to the effect of compound interest formula;

Compound interest formula: F=P( 1+i)n power;

P: cost, corresponding to the paper thickness of 0. 1mm in the game;

I: Expand profit, which is a variable, corresponding to 0. 1mm in the game, but it may be greater or less than 0.1mm;

N: fission times, corresponding to paper folding times; (The same as the micro-course Fission)

This formula is the underlying logic of direct selling communication;

Ways to make money in quadrant b:

1, enterprise;

2. Franchise: copyright, such as games and dolls; Intellectual property rights, corporate relations, etc. ;

3, network marketing: this is not the Internet, but refers to the fission of contacts, corresponding to the part of N, such as the three-person group purchase is free;

Case: Zhao Wei-Female Buffett

How to enlarge your assets and value by 50 times? Zhao Wei plans to buy 3 billion companies for 60 million yuan; Among them, it has 60 million yuan, loans of 654.38+0.5 billion yuan and financing of 654.38+0.49 billion yuan;

Article link: People familiar with the matter: Zhao Wei has a special background and is highly leveraged to buy millions of cultural headwinds!

Ways to make money in quadrant I:

1, leverage: the ability to borrow money;

2. Account period: postpone the account period or not pay it back;

3. Cash flow: keep the cash flow smooth;

4. Asset appreciation;

Fourth, success is luck, failure is a leap pavilion-on the double-edged nature of capital.

Fund leverage formula: 654.38+00,000 = (principal+loan) *( 1+i)- (loan+interest)-principal.

This formula applies to all leveraged transactions, such as buying a house and futures.

Interest: Is there any method of zero interest? Borrow money; Is there a way to pay interest? Insurance or private placement, trust funds;

The part of (1+i) is value-added, but there is uncertainty in value-added or depreciation, that is, risk. The risk increases with the increase of leverage. For high-risk investment, it is suggested that the leverage should not exceed 10% of the principal, and the risk-return ratio should be1:3;

Remember Sharon's first crossing? Miss Wei Tian wants to be Lv Buwei. Yes, the target of Lv Buwei's investment is Zi Chu, which is1+i0+i. If it succeeds, the financial resources will be rolling in. If you fail, you will be wiped out.

Is this like investing in a startup like an investment bank?

Here, coach Tian Wei quoted a dialogue from Stephen Chow in the movie Gourmet:

Open a pee-and-cow-pill shop, 1 will become two, two will become four, and four will become eight, and then go public to raise funds, speculate in stocks and land, and then share split will receive dividends. This leads to three quadrants making money.

Traveling around the world without money-what is the essence of wealth?

Coach Tian Wei shared the movie Spirited Away in this part. In the fairy tale world, the protagonist did something that many people couldn't do without spending a penny. Even under the coercion and inducement of witches, he still insisted on his values, love and dedication, which led to the thinking of Valve.

value

The first meaning: values, that is, the inherent good qualities of human beings;

The second meaning: value, that is, the externalization of internal good quality to meet the needs of others;

The third meaning: price, that is, the commercial price of externalizing internal excellent quality to meet the needs of others;

So, what is the essence of money?

Article link:

Good future Zhang Bangxin: Values are your business model.

Personal summary:

1, improve the ability of e-quadrant;

2. Looking for the talent and enthusiasm of S quadrant;

3. Various methods for finding n in compound interest formula;

4. Learn financial management knowledge, carefully find a professional team, do a good job in fund allocation, and strictly control the risk ratio;

5. Using the underlying logic of ROE, analyze the profit model and stages of companies in the same industry.