Chapter 34: Zhan Yunxiao’s Financial Planning Strategy

If one only considers the input cost of the taisui meat, the rate of return is indeed quite good, but you must know that this is utilizing a B-grade building.

The value of a B-grade building is at least five hundred million and up; looking at it this way, the rate of return is actually very low.

"The bailing blood pool produces Blood Pills based on the energy of the flesh and blood invested. Ten taisui are far from the limit of a B-grade building. When you become a demigod or even a god in the future, go and slay high-level alien believers, cast their physical bodies into it, and the Blood Pills produced can reach tens or even hundreds of thousands."

But for now, if you choose to buy corpses from the mall, the cost is too high.

"Given the situation of your Divine Kingdom, this taisui meat is the most cost-effective option. Most importantly, there is no need to instruct believers to constantly cast flesh and blood into the blood pool; it is very convenient," Zhan Yunxiao explained the reasoning patiently.

A look of realization appeared in Yang Fan's eyes.

With his current strength, a B-grade building is indeed too overpowered, so naturally, he cannot utilize it to its fullest extent.

Yang Fan was not anxious about this; after all, he possessed the Evolution Talent. Once he put the taisui into it, this fixed monthly income would reach as high as ten million.

"If you want to quickly increase the strength of your believers in the short term, I can give you a resource procurement list. You can judge for yourself whether to purchase, after all, everyone's Divine Kingdom development is different.

If you want to consider the ecological stability, species diversity, and resource self-sufficiency rate of your Divine Kingdom, then I suggest you spend money to find an Actuary to help."

"May I ask how much an Actuary charges?" Yang Fan asked curiously.

"The cheapest is 50 million Faith Points."

Yang Fan swallowed hard, somewhat shocked by this price.

Seeing Yang Fan's expression, Zhan Yunxiao laughed: "Don't think it's expensive. These Actuaries have real skills. They can help you adjust the species distribution within your Divine Kingdom, establish buffer zones between different organisms, and determine the training methods and directions for your believers.

This job is highly sought after; every major family basically recruits them. Hiring an Actuary once can basically allow you to cultivate until you reach the demigod level, without needing to plan the Divine Kingdom again in the meantime. If you have enough Faith Points, there is no need to be stingy, as this can significantly reduce the development time of your Divine Kingdom."

"Thank you for your guidance, Elder Zhan." Yang Fan nodded, but in his heart, he had already decided not to spend this wasted money. After all, for him, the thing with the lowest value was time.

Giving such a large amount of Faith Points to an Actuary would be better spent purchasing massive resources to put into the Divine Kingdom, letting them undergo Evolution on their own, survival of the fittest, while also earning resources on the side.

"I have sent you two documents: one focusing on increasing the strength of believers, and one regarding insights on Divine Kingdom investment. These are all my personal opinions. Your aptitude is better than mine, so use them only for reference and select the best parts."

Yang Fan said gratefully: "Thank you, Elder Zhan."

This was the experience of a demigod powerhouse regarding the early development of a Divine Kingdom, and it would certainly be of great help to him now.

"Besides that, a second-class genius of the Luo Family can receive a loan of 50 million Faith Points, with an annual interest rate of only 11.2%. I have already applied for this family benefit for you, and it should be deposited into your Divine Kingdom in a little while."

"Now that you are a genius of the Luo Family, you can visit the Luo Family's Virtual World base at any time. There are also various trades within the family, including weapons, medicinal materials, spiritual plants, and various medicinal pills. Although not as complete as the official platform, because there is no tax, the prices are much lower. You can come and take a look when you have time."

"I understand."

"Work hard to improve the strength of your believers; the better you perform, the higher the support you will receive," Zhan Yunxiao instructed as a final piece of advice.

Yang Fan kept these words in his heart, ignored the invitations from other classmates, and exited the Virtual World directly.

Carrying a huge sum of money, Yang Fan felt uncomfortable all over if he didn't make Divine Kingdom investments as soon as possible.

Before making large-scale purchases, Yang Fan decided to first open the documents that Zhan Yunxiao had sent him to take a look.

"The development of a Divine Kingdom mainly lies in resources. If you want to let resources snowball, the choice of Divine Kingdom investment is extremely important.

I, Zhan Yunxiao, am just an ordinary person. Being able to achieve the demigod level relies on excellent investment and financial planning strategies.

I have summarized a basic investment philosophy: for ordinary people, any investment with an annualized rate of return lower than 80% should not even be touched."

Seeing the introduction to one of the documents, a few black lines appeared on Yang Fan's forehead.

"This Elder Zhan, after all that, is actually a financial whiz, but this seems to contradict my development direction," Yang Fan couldn't help but complain.

"Century-old Blood-thirsting Spirit Mushroom: The seed purchase price is extremely low, ten thousand seeds only cost ten thousand Faith Points. Each plant requires a believer to carefully tend to it, watering it with the believer's blood daily, and it will mature in a hundred years. A single century-old Blood Spirit Mushroom sells for as high as 10 Faith Points, and in reality, the profit margin can increase tenfold in three months.

This is the secret to my achievement of the demigod level; I wouldn't speak of it lightly to anyone I didn't favor.

The disadvantages of this method are also very obvious: it consumes a huge amount of believers.

Watering the Blood Spirit Mushroom in this way, believers usually do not live past 30 years old, and over a hundred years, it will consume about fifty thousand believers.

Therefore, cultivating century-old Blood Spirit Mushrooms cannot be done on a large scale; five percent of the total believer population is the optimal cultivation quantity.

This method needs to be used in conjunction with a D-grade or higher breeding card, remember, remember."

Seeing this, Yang Fan only felt a chill rise up his back.

This seemingly serious demigod Zhan Yunxiao, who would have thought that behind the scenes he was such an evil capitalist? This is basically selling the blood of his believers.

It wasn't that Yang Fan had any feelings for those believers, but such an investment model always gave one a chilling feeling.

Although the investment rate of return is terrifying, during that period, the development of the Divine Kingdom's believers would likely fall into stagnation.

"With the Evolution Talent, I had better not look at these crooked paths." Yang Fan put the investment-related suggestions aside and began to study how the other party improved the strength of believers.

"Blood Demon Flower: This flower is a C-grade spiritual plant. Planting it in large areas around the city will make believers develop an appetite and an urge to exercise. The believers' physical bodies will improve significantly in the short term, but at the same time, it will affect the believers' consciousness, and their comprehension will gradually decrease. In the long term, it damages the believers' foundation. This method is best used for a sudden boost one month before the assessment."

"Meat-Swallowing Technique: A C-grade cultivation technique that can make practitioners extremely crave meat. This technique will cause the believers' bodies to become swollen and their flexibility to decrease, but their defensive and offensive power will significantly increase. One must constantly monitor the living conditions of the believers; if the meat supply is insufficient, the believers will kill each other, trade their children to eat, or even devour each other."

"This…" Yang Fan tilted his head, seemingly wanting to say something but stopping himself.

For a moment, Yang Fan felt like he didn't recognize this senior anymore. He looked so normal, yet who would have thought he was so ruthless to his own believers.

Yang Fan had a hunch that the potential of this senior Zhan Yunxiao's Divine Kingdom had likely reached its end, and it was impossible for him to break through to the god realm in this lifetime.

"Trying to help the shoots grow by pulling them, short-sighted," Yang Fan evaluated in his heart.