After all wealth was wiped out, it became the highest peak in the A-share market.

Chapter 4: Stock market investors are the most miserable group in China.

Whether you like me or not is none of my business... Is the account set up yet?

Li Chao was used to Qin Nuanyang saying these things because Qin Nuanyang had this personality in his previous life.

She has a psychological advantage over herself, so her tone always carries a hint of arrogance, and she has a strong sense of self.

This is also why the two couldn't get along in their past lives. Li Chao was also rather cold towards her and never gave her any gifts.

Qin Nuanyang said with some doubt, "The other party asked whether to choose the 5 yuan exemption or the 0.85 yuan fee, and they were just about to ask you."

"Select 0.85 per 10,000"

The so-called "waiver of 50,000 yuan" means that the basic fee of five yuan for each transaction is waived, and the transaction fee is calculated at one yuan per 10,000 yuan.

This is already considered very low. Most stock investors who open accounts online receive a commission of 0.03%. Some outrageous brokerages even prey on newcomers, offering commissions of 0.05% or even 0.08%, taking away 8 yuan from every 10,000 yuan traded.

When you have a small amount of capital, the 5-yuan exemption is definitely beneficial. However, if you have a slightly larger amount of capital, such as a single transaction exceeding 50,000 yuan, then the 5-yuan exemption basically becomes meaningless.

Although Li Chao may not be able to come up with 50,000 yuan right now, or even 20,000 yuan, that doesn't stop him from getting the most favorable handling fee first.

That's the advantage of opening an account online; it's easier to negotiate transaction fees.

If you go to the business hall to open an account, at most they'll give you a tiny bit of money, or they might not even give you anything at all.

"Oh, if I told him, will everything be fine?"

"Give me your account first. Come on, log in to my phone, and give me the password too."

At this point, Qin Nuanyang became wary again.

In fact, she never knew what Li Chao's purpose was in having her register this kind of account.

Is this guy planning to invest in stocks?

Holding her phone, she asked, "Tell me first, what exactly do you want?"

"I got insider information and want to make some money by trading stocks, but I'm a minor and can't open an account. By the way, send me your linked bank account number, and I'll transfer all the money in my card to you, and then you can transfer it to my securities account for me."

"Oh no! No way! Stock trading is a scam, you can't trade stocks!"

Qin Nuanyang shook her head. Although she didn't understand it, it didn't stop her from knowing that the vast majority of people who speculated in stocks ended up losing money, and there were too many related short videos online.

In her mind, stock market investors are the most miserable group in China, working hard to earn some money only to lose it all inexplicably.

Even if those who start businesses lose money, at least they've worked hard to lose it all, and they've experienced the process.

Li Chao explained helplessly, "I have inside information; it's a sure thing to make money."

Explaining anything else to Qin Nuanyang is useless, but we can't just stay silent either.

Qin Nuanyang has her shrewd side, but she also has her shortcomings in understanding.

Insider information, a sure-fire way to make money, is a joke to veteran stock market investors, but it's still convincing to Qin Nuanyang, a complete novice.

She asked with a hint of skepticism, "Is it really a sure thing with no risk?"

"Of course, you don't doubt my intelligence, do you?"

Li Chao's words became the decisive blow.

"Uh... okay then..."

Qin Nuanyang finally convinced herself; after all, Li Chao was the top student in the grade.

I sent the account to Li Chao and helped him log in.

After that, Li Chao transferred 13,452 yuan into her card.

Looking at the neatly arranged sum, she said, "You didn't transfer all the money in your account, did you?"

"Yes, by the way, do you have any money in your card? I have over six hundred in cash on me, could you exchange it for me?"

"You, you, you..."

Before Qin Nuanyang could say anything, Li Chao suddenly grabbed her hand, gave her a look, and said, "Don't worry, it's a sure thing. Do you want to invest some too?"

Qin Nuanyang subconsciously withdrew her hand, then waved it and said, "No, no, no, I don't have any money."

"Never mind then, just transfer my money to the account quickly."

"How do I transfer it?"

"I'll handle this; you just need to enter your password."

Li Chao definitely felt the money was a bit too little.

Unlike his previous life when he went bankrupt, back then he couldn't get any money at all and could only save it up slowly.

Now... actually, he still has a coming-of-age ceremony to receive, but unfortunately, he's not an adult yet.

If he becomes an adult, he'll have to give gifts for things like Alipay's Jiebei, WeBank's Weilidai, gold bars, and installment payments.

It can range from a few thousand to five thousand or ten thousand; you can easily scrape together fifty or eighty thousand.

Li Chao felt relieved after the funds were transferred into his account.

They walked towards the school with Qin Nuanyang.

Qin Nuanyang was somewhat uneasy the whole way. Looking at Li Chao, she noticed that he looked much more handsome with his shorter hair.

Actually, she didn't have any prejudice against slicked-back hair; she was just afraid of being misunderstood by Li Chao.

Thinking of this, she couldn't help but say, "Let me tell you, I don't like you."

"I know, I know, I'm still spending your family's money."

Originally, Qin Nuanyang was only worried about one issue.

As a result, after Li Chao said that, she had two things to worry about.

The thought that I had previously mentioned that his living expenses were provided by his family made me inexplicably panicked.

Then, when Li Chao suddenly said he wanted to invest in stocks and make money... he became even more panicked.

Could it be because of what I said?

After all, there were several other students in the class at the time, and they probably all heard it.

Does he feel embarrassed? Does he want to earn his own money?

Ugh, what is this guy thinking...?

If I had known better, I would have just admitted defeat and not written that note. Then none of this would have happened.

"That's not what I meant. Don't take it to heart. Your priority right now is to study hard and try to get into Tsinghua or Peking University."

Li Chao turned to look at Qin Nuanyang. Goodness, a slacker has made a top student study hard...

That's absolutely true. The educational atmosphere in China is very strong, and doing well in school is like having a get-out-of-jail-free card.

To put it bluntly, some delinquent teenagers in school never dare to cause trouble for the top students.

Once, after evening self-study, a group of people were confronting each other near the back gate of the school for some unknown reason. Among them was a guy from Li Chao's village who happened to run into them, and Li Chao simply greeted him.

Then, the guy's expression immediately became much more amiable.

At the same time, he also mentioned him to the people around him, saying that he was among the top students in the grade and a potential candidate for Tsinghua or Peking University. Even his rivals softened their tense expressions, and everyone looked in his direction, watching him leave.

Whether they fought or not, Li Chao didn't know. He had only greeted that guy from the same village as usual; they weren't particularly close.

Qin Nuanyang, noticing Li Chao's expression, said somewhat awkwardly, "What are you looking at? Did I say something wrong?"

"That's right, so why don't you study harder yourself?"

"Me? I'm just not cut out for studying."

"It's alright."

Actually, Qin Nuanyang is quite capable; he's at least half-baked in C++.

Qin Nuanyang thought Li Chao was trying to comfort her, and continued, "If I could concentrate on studying, I definitely would. It's a pity I can't understand geometry, spatial relationships, or functions, and I can't understand physics or chemistry. Being a top student would be so great; then everyone would care about me. By the way, I've already helped you with your problem. From now on, the note issue is over. If it affects your grades, don't blame me for turning my back on you!"