Many wealthy people in China have funds because the benefits of funds are many.

There are very complex reasons why a wealthy person wants to set up a fund, and first of all, we must understand the inheritance law, tax law and relevant laws of charitable foundations in China.

Hua Guo does not encourage the practice of inheriting large inheritances from his parents for nothing, so Hua Guo's inheritance tax is frighteningly high.

Although the inheritance tax rate is sometimes high and low, it is roughly around 45%, while in South China, because there is no state-level income tax, it levies an additional state estate tax of up to 20% to ensure that the state government collects taxes.

In other words, if the rich man passes on his wealth directly to his children, after paying the inheritance tax, almost 40% is left.

China also levies a high asset appreciation tax on investment income, ranging from 15% to 35%.

If he sells his long-term holdings of the company, he will pay 15% capital gains tax, and if he cashes out his short-term investment income, he will pay up to 35% federal tax, and in some years as much as 38%.

This practice of Huaguo is a ruling problem left over from history, because killing the rich and helping the poor is the source of the balanced development of the whole society, you can imagine that if the rich get richer and the poor get poorer, then this society will slowly fall into the production structure of a slave society, and the people at the bottom will have no room for development at all, and the whole society will regress.

If a country always has a large number of people living in absolute poverty, its economic momentum is underdeveloped, and ups and downs are inevitable, which will eventually affect every poor and rich person. Therefore, the unfair distribution of social wealth, the polarization between the rich and the poor, and the abnormal concentration of social wealth will inevitably lead to social instability. The 5,000-year history of China could not have proved this more eloquently.

Income disparities and wealth concentrations are too large to pose a considerable threat to economic development.

If the money obtained through the exchange of power and money becomes "bad money" and the income obtained through labor becomes "good money", according to the logical result of "bad money drives out good money": if bad money is equal to good money, and the existing system cannot punish those who hold bad money, people will follow the example of those who get money through power and money transactions, and society will enter a vicious circle.

In addition, the poor living conditions will make them lose their motivation to work and reduce their productivity. Social injustice and inequality also lead to the gradual loss of national cohesion. The idleness of a large number of population resources has led to serious social problems and threatened the long-term peace and stability of society.

Therefore, the imposition of high inheritance tax and investment tax is a necessary means to ensure social stability, which is of great benefit to both the rich and the poor.

However, the reason why the rich are rich is because they have brains, policies, and countermeasures, and the rich will establish their own charitable funds to avoid taxes reasonably.

We might as well calculate an account, if a rich person sells his stock and transfers it to his children, then for every 100 million yuan of assets, there is only lx (1-45%) x (1-20%) x (1-15%) = 37%, that is, 37 million yuan.

If we take the 37 million yuan and pay the tax at an average annual rate of 30% on investment income at a rate of 10% per annum (which is a reasonable figure in China), then in 30 years, the child of this rich man will receive 280 million yuan.

The only way to pay less taxes and leave as much of your property to your children as possible is to donate it to your own charitable foundation.

Doing so exempts you from three taxes, the asset gains tax on the first sale of shares, the inheritance tax, and the annual investment value-added tax.

Chinese law also stipulates that all charitable foundations must donate 5% of their assets every year, which is one of the reasons why charitable foundations have to donate some money every year: according to the law, they must donate.

After this rich man donated his money to his own foundation, how much money can be left for his children for every 100 million yuan of property?

Assuming that the return on investment of the foundation is 10% per annum, 5% is left after deducting the 5% donation. Now the foundation does not have to pay any taxes from beginning to end, and in 30 years, the principal of this 100 million yuan has increased to 430 million yuan, and it has also donated 330 million yuan to the society.

Therefore, if the business is done well, this rich man will not only leave an extra 150 million yuan to his children, but also win the reputation of a philanthropist through this donation of 330 million yuan, and more importantly, most of the rich people in China like to transform society through themselves rather than through the government, which can really be described as fame and fortune.

Pang Xiaonan didn't understand any of this, he only knew that the purpose of setting up a charity fund was to help more students like him who were from more difficult families.

Pang Xiaonan put his idea of setting up a fund to Councilor Wang:

"You see, my production of respiratory shields this time, is expected to generate a profit of several million, I don't know what to take from the people, but I only have a simple hope, I hope that poor students like me can live a little better, because I saw their difficulties in the operation of this business, so I want to take out a part of the profits, set up a charitable fund, the main purpose of this fund is to help the poor students around me make some money. You also know that millions can only be regarded as a drizzle for a fund, so this fund must make money, otherwise it will run out sooner or later, but I hope that in the process of making money, the fund can also drive those poor students who need help to make money together, because it is better to teach people to fish than to teach people to fish, which is also a respect for those poor students, not to bring them the kind of unequal feeling of receiving gifts, let them make money through their own labor, they are also at ease, what about me, it is also to give them another life skill before they graduate, or to develop their hobbies, in shortThis fund is to bring some channels for the students of Dongli Military Academy to make money through the model of joint entrepreneurship. ”

Pang Xiaonan paused, took a sip of tomato and egg soup, and asked Councilor Wang, "Do you understand what I said?"

Councilor Wang nodded and pondered: "Your idea is very good, in fact, strictly speaking, you should be an entrepreneurship fund, which is to provide a platform for poor students to start a business." ”

Pang Xiaonan shook his head and said: "It's not exactly an entrepreneurship fund, if it's purely to provide funds for students to start a business, then this will deviate from my original intention, in fact, children with a family background like me rarely have the idea of starting a business, because life is not easy since childhood, who will have those entrepreneurial ideas?" Even if there is, it is just the idea of earning some simple living expenses through their own labor, such as part-time jobs, selling local products, etc., and starting a business in this era requires a lot of comprehensive knowledge, such as the software you just told me about called Neighborhood, I absolutely don't believe that it is an idea that a rural child can think of, because he does not have this living environment. ”

"So you mean, you go and create a platform," Councilor Wang was interested, and half-leaned on the table to discuss with Pang Xiaonan warmly, "and then guide those poor students to start a business, or rather, arrange some jobs to come out, and then distribute shares to them?"

"That's pretty much what it means," Pang Xiaonan frowned, feeling that he still didn't express his true thoughts too clearly, "Actually, I'm more like creating an atmosphere, that is, the object I want to fund, I don't need to contribute money in my platform, but I can use my expertise to play the job requirements within my ability, and then make money through this play." ”

Pang Xiaonan shook his head, "Hey, I don't know if I expressed it clearly, I just don't know now, what model should be used to realize my idea, it doesn't matter if the investment in the early stage is not enough, I can slowly earn money and add it slowly, but I must figure out where the business model of this fund is, otherwise it will be a wrong move from the beginning, and then it will go more and more deviated." ”

"Well, I think your idea is good," Councilor Wang poured Pang Xiaonan a glass of wine, filled it for himself, and raised his glass, "Cheers to you for having such a long-term consideration at such a young age!"

Councilor Wang drank it all, wiped his lips, then put down the cup and said, "Judging from my investment experience, your project can only be considered on the road of Internet projects. ”

"What's the matter?" Pang Xiaonan has no concept of the project at all, but he thinks about it when he comes to it, and he wants to do any money-making project, whether it is an Internet project or a physical project.

"What do you think, what is the most important thing for college students?" Councilor Wang said earnestly.

"It's time. Pang Xiaonan blurted out, because people who go to college are used to being free and casual, and students like him can't remember how long it has been since they went to class.

"That's right, the last thing college students lack is time," Councilor Wang asked another question, "Then think about it, what do college students lack the most?"

"Money, no, the children of the poor are still a minority, and social interaction is not right, some people are lively and outgoing......" Pang Xiaonan thought for a while, and Councilor Wang kept silent, waiting for his answer.

"It should be initiative and discipline. Councilor Wang finally couldn't wait any longer and answered this question for Pang Xiaonan.

"It seems like yes. Pang Xiaonan nodded and agreed with Councilor Wang's statement.

"If you think about it the other way, there is no shortage of time, so what do they do with the time? Is it that some people play games, some people go to work, some people go to fall in love? Councilor Wang knew that Pang Xiaonan couldn't answer, because Pang Xiaonan and most college students are completely different things, and Pang Xiaonan belongs to the kind of person who is full of subjective initiative and self-discipline.

Pang Xiaonan took a deep breath and was a little disapproving, "Lao Wang, what you said, there may be some phenomena, but in our school, people who love to learn still account for the majority, you look at the fullness of the library, it is occupied by people who love to learn......"

"I didn't say that college students don't like to study, but you have to compare them," Councilor Wang pointed to a bowl of fried pork and a bowl of tomato and egg soup, "You see, some dishes have more meat and less soup, and some dishes have more soup and less meat. ”

"Lao Wang, what does this you said have no subjective initiative and no self-discipline, what does it have to do with the Internet?" Pang Xiaonan finally got to the point, and if he continued to pull it off, the college students in Huaguo were said to be like birdmen by Councilor Wang.

"Only the Internet project can tolerate and carry forward these two shortcomings. Councilor Wang said in a word.

"I don't understand. Pang Xiaonan shook his head, expressed his understanding of Councilor Wang's brain circuit, and sent a confused look.

"It seems that you don't know much about the Internet," Councilor Wang picked up a fried fish and threw it into his mouth, smashing it, smashing it, "You see, college students are generally nested in the dormitory if they have nothing to do, right? Is it possible to operate Internet projects if there is a network cable in the dormitory? Also, since college students lack subjective initiative, then we have to let them show themselves on the Internet, once they have the approval of others, will they have momentum?"

"Selling things online?" Pang Xiaonan thought of online shopping, and many people open online stores at home part-time.

"I haven't figured out the specific form yet, there should be many such projects, I need to exchange opinions with those who are often mixed in the Internet industry, and the two of us here are just thinking about it all night and can't figure it out. Although Councilor Wang has been in contact with people in the Internet industry, he himself knows little about the Internet, so he does not dare to speculate about Pang Xiaonan's project.

"That's right, you're right!" Pang Xiaonan poured a full glass of wine for Councilor Wang, then poured himself a glass, raised his glass and said, "Come, drink and drink, you can go to a professional talent for this kind of thing, just make my requirements clear, and leave the professional matter to the professional person, we won't worry about it, let's do it!"

"Okay, it's done!" Councilor Wang raised his neck, a glass of wine went down, "This kind of thing can't be rushed, projects are hard to find, anyway, someone will always come to the door, then I will look for a few good projects for you, you can pick and take a look at yourself, maybe there will be big projects in the future." ”

"Then it's up to you. Pang Xiaonan wasted no time in pouring wine for Councilor Wang.

"That's the matter of the fund first, don't worry, it's not too late to choose a project and then set it up, let's talk about your current affairs, you beat the hungry wolf gang, don't you worry?" Councilor Wang picked up a handful of green vegetables and put them in his mouth to chew, his teeth are not good, he can't always eat meat, the green vegetables are crisp and crisp, just to nourish his teeth.

Pang Xiaonan smiled and said, "What's there to worry about, the hungry wolf gang is just a gang, can you still do something with me, a good citizen? You are a senator, Lao Wang, you can't allow this kind of illegal and criminal thing of the underworld forces to happen under your nose." ”

Councilor Wang laughed heartily, "Xiao Nan, there is always a dark side to this society, where can the sun shine? Although the Hungry Wolf Gang is a gang, people have not done anything too radical, right? Even if they have done some shady deeds, they are still dressed in a legal cloak. There is no Hungry Wolf Gang, there will also be the Black Tiger Gang and the Green Dragon Gang, and the Hungry Wolf Gang is just a pawn to maintain local social order, just like the government manages the good people, so those bad elements sometimes rely on these gangs to reform, which can also reduce the pressure on the government, right?"

"What you said is right," Pang Xiaonan sighed, "I haven't provoked the Hungry Wolf Gang, and I don't know what's going on, the Hungry Wolf Gang can always bump into me, and every time they want to force me to make a move, hey, I can't help it, you say I don't teach them a lesson, I will be beaten myself, and I am justified every time." ”

Councilor Wang raised his hand to stop Pang Xiaonan's complaints, and said with a smile: "I know your style, you won't make a move unless you have to, and if you make a move, you will be retribution, this time you beat the Hungry Wolf Gang badly, right?"

"Hehe, it's not too miserable," Pang Xiaonan scratched the back of his head, "It's just breaking some people's bones and making them pay me 1 million." Regarding the matter of making Angelana lose money, Pang Xiaonan felt that there was no need to hide it.

"You're blackmailing. Councilor Wang pointed at Pang Xiaonan, feeling funny in his heart, an underworld gang was blackmailed by college students.

"What kind of extortion, I have earned this from my labor!" Pang Xiaonan denied any of Councilor Wang's accusations, "Think about it, if they beat me up with more than a dozen people, how much energy and labor do I have to pay to deal with so many people? Also, the risk is very high, this is fortunately because my kung fu is good, otherwise I would still have my life to come back? How much pressure do you say I have? If I am not careful, I will be injured and disabled by them, shouldn't I lose this amount of money?"

Pang Xiaonan was full of words, as if 1 million was a very fair claim.

"You, you," Councilor Wang pointed at Pang Xiaonan and smiled helplessly, "You are heresy, but when it comes to gangs like the Hungry Wolf Gang, you can be regarded as the right medicine." ”

"Eh, Lao Wang, are you familiar with the Hungry Wolf Gang?" Pang Xiaonan asked curiously, "Listening to the tone of the Hungry Wolf Gang, it seems that they have a good chance of Peng Yuyan, isn't Peng Yuyan messing with you, I guess you have suppressed the Hungry Wolf Gang before." ”

"Hehe," Councilor Wang touched his stomach, he ate a little too much, but he still couldn't help but take a slice of braised tofu and taste it, "Hungry Wolf Gang, I have some friendship with their founder, but now I don't care about the affairs of the rivers and lakes, so it is possible that they have an intersection with Peng Yuyan, after all, Peng Yuyan helps me take care of business, and I will deal with the gang more or less." ”

"Oh, do you know the founder of the Hungry Wolf Gang?" Pang Xiaonan was interested, and the gangster drama should not be missed, "tell your story." ”

Councilor Wang raised his head and looked at the ceiling, and began to recall the past: "The founder of the Hungry Wolf Gang, called Anji Baichai, used to be a soldier, and later after he was discharged from the army, he went abroad to be a mercenary, and then when he was older, he returned to China, and he didn't want to fight and kill anymore, so he did some small business in Huahai City." A few decades ago, the security of Huahai City was not very good, when he was doing a small business, he was oppressed by the gang gangsters, and he was wronged several times in a row, so later he was angry, and he contacted the previous partners who were mercenaries, and they set up a gang by themselves, which is the predecessor of the Hungry Wolf Gang, and the name of their gang is the name of the squad when they used to be mercenaries abroad, their idea is very simple, rather than being blackmailed by other gangsters, it is better to protect themselves, this is a very simple idea. But the other gang forces could not tolerate the sand, and they were encircled and suppressed several times, but because they were mercenaries after all, those gangs did not pose a great threat to them, on the contrary, the Hungry Wolf Gang grew up in the encirclement and suppression of the major forces, and became the largest force in the coastal area of Huahai City, that is, the current generation of college towns. ”

Councilor Wang paused and took a sip of soup, Pang Xiaonan lost no time in toasting: "I have wine, you have a story, I toast you with a glass of wine, and you continue to tell your story." But until now, you haven't shown up yet. ”

Councilor Wang raised his glass and clinked glasses with Pang Xiaonan, then his hand paused in mid-air, "Don't worry, you have patience to hear good stories." After speaking, he raised his hand, tilted his head, poured the wine in the cup into his mouth, and then wiped his mouth with the palm of his hand, and continued to speak.

"If the gang wants to develop, it is naturally inseparable from the support of the economy, so the Hungry Wolf Gang also has to engage in some illegal activities. In fact, at the beginning, the Hungry Wolf Gang wanted to do serious business, but the serious business came slowly, and other gangs have obtained financial resources through illegal business, so they have the strength to buy people's hearts and attract talents, if the Hungry Wolf Gang doesn't want to find a way, sooner or later it will be developed by other gangs to catch up, so that the Hungry Wolf Gang will lose its advantage and be pressed to the point of not being able to raise its head, so Anji Bai made a quick decision, what other gangs do, the Hungry Wolf Gang has to follow, and it has to be done better, mercenaries are originally people who fight and kill people, and they are ruthless, they are invincible in Huahai City, so gradually, the illegal activities of the Hungry Wolf Gang are getting bigger and bigger, and finally attracted the attention of the government。 ”

Pang Xiaonan looked at Councilor Wang intently, and added, "At this time, it's finally your turn to appear." ”

Councilor Wang nodded, smashed his mouth and said, "That's right, I was still in charge of the army in South China at that time. The government originally turned a blind eye to the struggle between gangs, and the balance of multiple forces is the premise of ensuring social stability, so the government does not want to see which side of the forces dominate, and many of the practices of the Hungry Wolf Gang violate the government's bottom line, such as killing people and selling goods, and sometimes, the Hungry Wolf Gang's practices are too blatant. I remember one time, the police found a smuggling boat floating empty near the coastline of Huahai City, dozens of people died on the deck and in the cabin, and later after investigation, it was found that this was a case caused by the Hungry Wolf Gang robbing smuggled materials, and dozens of people on the ship were killed by a single shot mercilessly, you say, is this Hungry Wolf Gang arrogant enough? Originally, you gangsters were fighting, don't let the government know about it, just burn it or sink it, you have to send dozens of corpses to the police, this is simply a naked provocation, and you don't take the government in your eyes, so the government has to take action. ”

"You are in charge of the army, and if the government wants to take action, it will not be your turn to stand up, right?" Pang Xiaonan's consciousness is that the army is external, and it is the police who have the final say internally.

"So, the Hungry Wolf Gang has reached the point where the security armed forces can't do anything about them," Councilor Wang frowned, "can do the power of dozens of militants with lightning speed, you think about how terrifying their combat effectiveness is, ordinary police, even special police, there is nothing they can do with them, they have been mercenaries, many of them are on the list of killers in the world, such a group of outlaws, only to send the army to suppress them." ”

"So you're going to lead the team to exterminate them?" Pang Xiaonan thought that the army would be used to exterminate the gangsters, which was also sensational, and only in ancient times uprisings or rebellions could have this formation.

Councilor Wang shook his head and said with a smile: "At my level, I haven't played so early. Before the army is dispatched, it will definitely recruit those forces of them, either the Hungry Wolf Gang will confess their guilt, hand over the leaders led by them, and give an explanation to the people, or the worst result will be that the army will be dispatched to exterminate the Hungry Wolf Gang. The government first contacted Anji Baipai to convey our tough attitude, but Anji Baipai was very confident, and he said Do you have any evidence? Why do you say that I am the mastermind behind the scenes, and why do you slander the Hungry Wolf Gang?"

"Do you mean that the official has not caught the evidence of the Hungry Wolf Gang's crimes?" Pang Xiaonan was a little surprised by this result, in the case of no evidence, the government really can't do anything with Anjibai.

Councilor Wang shook his head, took out a cigar from his pocket, and glanced at Pang Xiaonan, "You don't mind if I smoke a cigarette, right?"

"Damn, I haven't seen you smoke before, when did you have this hobby?" Pang Xiaonan stared at the cigar, looking very high-end.

"Actually, I've always had the habit of smoking cigars," Councillor Wang picked up his cigar, took out a kerosene lighter, lit the fire with a snap, leaned on the head of the cigar, and lit the cigar while snorting the cigarette, "But you also know that my heart was not very good in the past few years, and sometimes it would be very painful to choke, so I quit for a while, but now that you have cured me and am healthy, I am a little addicted," Councillor Wang took out a long puff of cigarette and seemed to enjoy it, "It's so cool!"

After taking two or three puffs of cigars, Councilor Wang continued the previous topic and said: "Anji Baijie and others of the Hungry Wolf Gang, because they have experience as mercenaries, have a particularly strong sense of anti-reconnaissance, and every time they commit a crime, they will wipe out the evidence cleanly, so although the case-handling personnel know that this is what the Hungry Wolf Gang did, they can't find their evidence, that is to say, every time the case is a case, they can be suspected of the head of the Hungry Wolf Gang, but because there is no actual evidence, they have been letting the Hungry Wolf Gang and others get away with it." ”

Looking at the flickering red light from the cigar head in Councilor Wang's hand, Pang Xiaonan was also a little moved, and asked: "Lao Wang, you can't eat alone, do you still have a cigar, bring me one too." ”

"Don't you don't smoke?" Councilor Wang looked at Pang Xiaonan with a smile, "My cigar is very valuable, and the tobacco is all high-grade tobacco from the island in southern China, which is handmade." ”

"I don't smoke, but do cigars and cigarettes mean the same thing?" Pang Xiaonan knew a little bit about cigars, and at this time, in order to win Councilor Wang's top cigar, he said it in one go

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