Zhan Yunxiao's Investment Strategy

If only the input cost of the Tai Sui was considered, the return rate was indeed good. But one had to remember that it had made use of a B-grade building.

A B-grade building was worth at least five hundred million. Looked at that way, the return rate was extremely low.

"The Hundred Spirits Blood Pool produces Blood Pills based on the energy of the flesh and blood invested. Ten Tai Sui are far from the limit of a B-grade building. Once you become a Demigod or even a God in the future, you can kill high-level alien believers and throw their bodies into it. The Blood Pills it produces could reach hundreds of thousands or even millions.

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

Given the state of your Divine Kingdom, Tai Sui meat offers the best value for money. Most importantly, you won't need to order your believers to keep throwing flesh and blood into the blood pool. It's very convenient," Zhan Yunxiao patiently explained.

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

With his current strength, a B-grade building was indeed far too overpowered for him. Naturally, he could not make full use of it.

Yang Fan was not in a hurry about that. After all, he had the Evolution Talent. Once he put the Tai Sui into it, this fixed income alone would reach tens of millions every month.

"If you want to rapidly improve your believers' strength in the short term, I can give you a resource procurement list. You can decide for yourself whether to buy anything, since every Divine Kingdom develops differently.

But if you want to consider your Divine Kingdom's ecological stability, species diversity, and resource self-sufficiency, I suggest spending money to hire an actuary."

"How much does an actuary cost?" Yang Fan asked curiously.

"The cheapest costs ten thousand Faith Points."

Yang Fan swallowed, somewhat stunned by the price.

Seeing Yang Fan's expression, Zhan Yunxiao smiled. "Don't think it's expensive. These actuaries have real skills. They can help you adjust the species distribution within your Divine Kingdom, create buffer zones between different organisms, and determine how and in what direction to cultivate your believers.

This job is highly sought after. The major families all recruit them. Hiring an actuary once can basically last you until you cultivate to the Demigod stage, without needing to plan your Divine Kingdom again during that time. If you have enough Faith Points, there's no need to be stingy. It can greatly reduce the time needed for your Divine Kingdom to develop."

"Thank you for your guidance, Elder Zhan." Yang Fan nodded, though he had already decided not to waste money on that. To him, time was the least valuable thing.

Rather than giving such a huge sum of Faith Points to an actuary, he might as well buy massive amounts of resources and put them into his Divine Kingdom, letting them evolve and compete for survival on their own while earning resources at the same time.

"I've sent you two sets of data. One focuses on improving believers' strength, while the other contains my insights on Divine Kingdom Investment. These are all my personal views. Your aptitude is better than mine, so only use them for reference and choose what suits you best."

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

This was the experience of a powerful Demigod from the early stages of Divine Kingdom development. It would certainly be of great help to him now.

"Besides that, Second-Grade Geniuses of the Luo Family can receive a loan of fifty million Faith Points, with an annual interest rate of only 11.2%. I've already applied for this family benefit on your behalf. It should be transferred into your Divine Kingdom shortly."

"Now that you're a Luo Family genius, you can visit the Luo Family's base in the Virtual World anytime. There are all kinds of internal transactions within the family as well, including weapons, medicinal herbs, spiritual plants, and various pills. They may not be as comprehensive as the official platform, but since there are no taxes, the prices are much lower. Come take a look when you have time."

"I understand."

"Work hard to improve your believers' strength. The better your performance, the more support you'll receive," Zhan Yunxiao reminded him one last time.

Yang Fan committed those words to memory. Ignoring the invitations from his other classmates, he directly exited the Virtual World.

With such a huge sum of money in hand, Yang Fan felt uncomfortable all over if he did not quickly make some Divine Kingdom investments.

Before making any large purchases, Yang Fan decided to first look over the information Zhan Yunxiao had sent him.

"Divine Kingdom development depends primarily on resources. If you want resources to snowball, your choice of Divine Kingdom Investment is exceptionally important.

I, Zhan Yunxiao, am merely an ordinary person. The reason I was able to become a Demigod was my excellent investment and financial management mindset.

I have summarized a basic investment philosophy: for ordinary people, don't even touch any investment with an annualized return below 80%."

Seeing the introduction in one of the documents, several black lines appeared across Yang Fan's forehead.

"So Elder Zhan turned out to be a financial management expert. It just seems to run somewhat contrary to my own direction of development," Yang Fan could not help complaining.

"Centennial Bloodthirsty Lingzhi seeds are extremely cheap. Ten thousand seeds cost only ten thousand Faith Points. Each plant requires a believer's careful care and must be watered daily with believer blood. It matures after one hundred years. A single Centennial Bloodthirsty Lingzhi can sell for as much as ten Faith Points, and the actual profit rate can increase tenfold in three months.

This is the secret to my achievement of Demigodhood. I would not casually share it with anyone I did not think highly of.

The drawbacks of this method are also obvious: it consumes an enormous number of believers.

With this method of watering the blood lingzhi, believers usually do not live past the age of thirty. Over a hundred years, roughly fifty thousand believers will be consumed.

Therefore, Centennial Bloodthirsty Lingzhi must not be cultivated on a large scale. The optimal number for cultivation is 5% of the total believer population.

This method must be used together with a D-grade or higher Breeding Card. Remember this well."

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

He had not expected the solemn-looking Demigod Zhan Yunxiao to be such an evil capitalist in private. This was practically selling the blood of believers.

It was not that Yang Fan had any feelings for those believers, but this investment model still gave him an unsettling feeling.

The investment returns were terrifying, but during that period, the development of his Divine Kingdom's believers would probably come to a complete standstill.

"With the Evolution Talent, I'd better not look at these crooked methods." Yang Fan set aside the investment advice and began studying how Zhan Yunxiao improved believers' strength.

"Blood Demon Flower. This is a C-grade spiritual plant. Planting it on a large scale around a city will give believers an appetite and an urge to train. Their bodies will improve dramatically in a short period, but it will also affect their consciousness, gradually lowering their comprehension. In the long run, it harms their foundation. This method is best used as a last-minute push in the month before an assessment."

"Flesh-Devouring Art. A C-grade cultivation art that causes practitioners to crave meat intensely. This art will make believers' bodies swell and reduce their agility, but their defense and attack power will increase dramatically. Their living conditions must be monitored constantly. If there is insufficient meat, believers will slaughter their own kind, exchange children to eat, or even devour one another."

"This..." Yang Fan tilted his head, seemingly at a loss for words.

For a moment, Yang Fan felt as though he no longer recognized this senior. He looked so normal, yet he was so ruthless toward his own believers.

Yang Fan had a feeling that Senior Zhan Yunxiao's Divine Kingdom potential had probably already reached its limit. He would never be able to break through to the Godhood Realm in this lifetime.

Shortsightedly forcing growth, Yang Fan judged inwardly.