SIGNING IN: BEING SHOWERED BY HEAVENLY BLESSINGS FOR FIVE YEARS-Chapter 561 - 559: DIAMOND’S BUSINESS LECTURE

Diamond was thinking of escaping to her room and visiting the Golden Space for some alchemy sessions.

Unbeknownst to her, Ruby, her dear sister, had other plans for her.

Just as she was about to state her intentions, Ruby was faster than her as she looked at her with a worried expression which made Diamond’s heart ache.

What happened to her?

Did someone bully her?

So many questions appeared in her mind and a murderous glint flashed across her eyes for a moment as it got cut when Ruby finally voiced out her concerns.

"Sister, I have something bothering me. I want to ask your opinion about investments. Which one do you think is the best? Equity, debt or hybrid," she asked curiously and nervously as she looked at Diamond, her tone filled with anticipation.

When Diamond, who was thinking about something deadly, heard that, she was stunned for a moment before a smile appeared on her face.

As long as no one was stretching his or her hands where they shouldn’t, then it was fine.

As for investments, how could she not know a thing or two?

She was someone involved in the business, after all. Although she didn’t participate directly, she was studying seriously. Otherwise, it would be pointless for her to look at business reports now and then.

Just because she didn’t like managing the businesses didn’t mean that she was a no-brainer.

Besides, the question that was bothering her sister was pretty much easy for someone like her.

So, once she heard it, she didn’t hesitate but replied directly, hoping that what she knew would be helpful to Ruby and perhaps to the twins as well.

"Each type of investment is good in its own way. However, I will touch on equity first," Diamond said as her eyes shone. This time, she didn’t even use Andrea.

The girls looked at Diamond with anticipation. Diamond, seeing that, felt that it would be shameful if she got help for something like that.

Brimming with confidence, she continued, "When it comes to this type of investment, just like any other kind of investment. It has its own advantages and disadvantages.

When you invest in equity, there is an opportunity to get high returns, dividend income and ownership of companies.

Among all these, which I like is the ability to earn dividends monthly, quarterly or yearly, depending on the agreement. However, having these dividends in my case would guarantee a fixed source of income. As long as the company is operating, I would be entitled to getting something until the end of the contract. In some cases, you can earn dividends by the end of time. Until the company declares bankruptcy or closes. Either way.

At the same time, by investing in equity, you can end up owning the whole company in the end even without putting in much effort. How could that not be enticing?"

Equity financing was dangerous to the company getting the funds. It was easy to get the company stolen by the shareholders. As long as you buy enough shares, then the company can change hands.

That was why she objected to having anyone else jotted down as a shareholder in her companies.

The risk of losing the companies was high. People’s minds were hard to read, that was a fact.

"It’s also risky investing in equity. Despite the wonderful benefits that we get by doing so, we should also consider the drawbacks, such as the change in market trends.

Since we invested in shares, any change in the market can affect the company’s standing. It is very easy to drop from being a millionaire to a pauper in less than a day.

So, when you invest in shares, anything can happen. As much as you want the dividend income or owning the company, you need to remember that the market isn’t your home background.

There are no guaranteed returns. You get the returns depending on how well the company did in that period. So, if doesn’t do well, can you guess what you would get?" with her lips curled into a sly smile on her face, she asked the girls who were listening to her attentively.

The girls nodded their heads, understanding the matter pretty well.

Either you get something or none at all. Who could you blame when you face such a case?

"Lastly, you need to learn your market well. Are you certain that you can study it all the time to keep up with the times?

So, unless you are the dedicated type and don’t easily give up, then this investment is your kind." ’Unless you are someone like me, who has Andrea and several grandkids who keep an eye on the marker all the time,’ she added in her mind.

When the girls heard that, especially Ruby, she couldn’t help but ask, a frown on her face, "Sis, does it mean that it’s not wise to invest in them?"

Diamond chuckled dotingly as she looked at Ruby and answered, "I never said that it’s bad. Listen to the others first. And then you decide what you want yourself."

When Ruby heard that, she exhaled a deep breath, agreeing with her sister. She had gotten scared before hearing everything.

Who knows, it might end up being the most lucrative choice at the end for her.

Diamond continued to the next investment type: debt investment.

"With debt investment, it’s more of me lending you funds to start your business, but then I expect you to return me the funds with interest. With this type of investment ....." Diamond explained calmly, providing examples now and then to make the girls understand.

Once she was done with the topic, she moved to the last investment, hybrid. The combination of debt and equity.

"With this kind of investment, you reduce the risks associated by picking either debt or equity as your choice of investment. On top of it, if you are not a person who wants to manage individual stocks or debt, then this will be for you.

However, the investment tends to provide a lower return than when investing in pure investments, making them a bit riskier, however; they are also safer than equity funds. The ..." she took her time explaining the whole thing again.

And once she was done, Ruby’s eyes had clarity.

Diamond, seeing that, knew that she must have done a good deed.

If Ruby planned on investing somehow, then she should know which to choose.

Surely, after digesting everything that she had heard and researched during the day, Ruby had an answer in her mind.

All she needed now was to meet with Gary and Kelly to get the contract drawn.

As long as they agree, then her first investment without Diamond’s interference would be done.

However, that needed to wait until she got samples from Kelly.

She needed to be certain that Kelly had the talent and that what she made would sell.

And the best way to test that was using Diamond.

Thinking about the future, a smile blossomed on her face.

Diamond, unaware of what her baby sister had planned for her, was happy to excuse herself once she saw that Ruby’s answers had been conveyed.

Since it was late, no one clamored to stay in the living room anymore.

Another day came to an end and in less than thirty minutes, another day would be welcomed.

A day that a lot of people were looking forward to.

Diamond’s birthday.