Yan Ling's "rich student" was none other than the girl named Allegro, who had driven a supercar to pick up Yan Yan from the airport in Florence.
This phone call also marked the beginning of the entire affair of Allegro helping Yan Yan find a house.
Allegro's advice to Yan Ling was actually quite straightforward—divide the money into three parts.
A third of the money could be placed in private banking where it could be managed with little risk and available for withdrawal at any time.
A third of the money could be invested into the overseas insurance market, ensuring that in any event, such as bankruptcy, the founder's death, or even extreme situations like war in one's own country, the family's overall wealth wouldn't be impacted. (note 1)
A third of the money could go into private equity funds, which are riskier but also offer higher returns in the long term.