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写给上班族的故事 - 勤工作不如精投资
扬 司马
Publish date: Sat, 31 Dec 2016, 04:03 PM
扬 司马
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2016年来到了最后一天，在这里笔者要与大家分享一个让人惊叹连连的上班族故事。
小杰是一名90后，才刚出来社会几年，薪资并不高，月薪目前只有RM3,500。小杰有个女上司，名叫大莉。大莉虽才芳年29岁，却是公司的女强人，已经是一名经理，其月薪达到RM7,000，为小杰的一倍。
小杰勤奋于工作，希望以后也可以像大莉一样升职加薪，可是他也相当注重work life balance，偶尔会留下加班，可如果没特别事情的话，小杰会准时回家。有时会约朋友聚餐打球，而另外有空闲时间时就会阅读股市新闻和学习股市投资。
大莉则是一名工作狂，时常工作到8点+，有时还工作至三更半夜。拿着高薪，可是压力可不小。在加上长工作时间，有时遇到不顺心的事会拿下属出气。团队中经验最浅的小杰常常都招到大莉的辱骂，说小杰真是一名典型的90后，不肯为工作卖命，甚至还有一次还咒骂小杰说永远别想发达。
面对这位女上司，小杰并没有给予过多的反驳，仍然坚持自己的方向与目标，那就是勤于工作之外，也会腾出时间给自己休闲娱乐和学习投资，以便日后可达到早日退休和财务自由。
而大莉的目标是，把工作排在人生第一位，尽所有能力赚最多的钱，努力储蓄以达到退休后无忧无虑。
小杰一个月可存RM1,000用于股市投资，虽然回酬起起伏伏，可年回报平均也有10%的。
大莉和小杰一样节俭，以同样的储蓄比率每月存了RM2,000以作投资。可是她只会工作，根本不会投资也不敢投资。所以只要银行有做定期存款优惠时，大莉二话不说就把积蓄全数转去定期户口稳稳吃利息，年回报平均5%。
如果。。。。
如果小杰和大莉都保持同样的积蓄和投资回报，25年后谁的资产会比较多呢？
答案竟然是小杰。
小杰25年后的资产 – RM 1,298,181.17
大莉25年后的资产 – RM 1, 202, 722.92 （比小杰还要少7%！！）
大家都在同一时间储蓄，大莉投入的数额比小杰还要大一倍，而小杰基于平时有专研股市投资，所以有着比大莉多一倍的回报。结果，大莉25年来辛辛苦苦工作换来的却是比下属小杰还要少的资产。
当然这则故事不是要告诉大家不要勤奋工作，而是从这则故事你会发现精于投资是多么重要的一件事，可让你的财务目标事半功倍。这也不只是复利的力量，而是精于投资的力量。
你说你根本不会投资？没关系，不过再也别给自己借口了，没有人天生就会投资的。笔者前几天和友人分享了这则故事，他们都惊叹了，并扬言会试着学习投资。
2017年即将来临，别忘了在自己的新年目标中，加上“好好学习股市投资”这一栏哦。
在此，笔者祝大家2017年身体健康，投资愉快。=)
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Discussions
6 people like this. Showing 12 of 12 comments
agree too bcos of the compound effect from stocks in ling term. Stocks not only beating Fixed Deposit by a wide margin, but also gold and bonds too.
2016-12-31 19:15
Not so agree , specially for the youngster....
Why ?
Because when you are young, you have nothing to invest.
10% ROI is small for 10k capital, but huge for 10m capital.
So focus on building career, amassing wealth, and start investing, that's my 2c.
And this article, a lot of variable, they put it as constant, which will mislead the eventual outcome.
Sincerely,
CFTrader
2016-12-31 19:20
agreed on compound effect. not so much on job vs. investment. to me both are investments, it shapes your personality and attitude, and i believed those have some force to the investment outcome.
2016-12-31 19:47
The chances of triggering compounding effect is much higher for newbies when they apply investment approach of KC, Stockraider, 3iii....
2016-12-31 19:55
Although the math calculation above is rather simple, but the idea for a person to learn stock investment while building career can beat a person who only focus on his/her career is very very true. The difference can be clearly seen in later part of their life. I strongly believe the financial position of the former person can beat the latter one.
2017-01-01 13:48
build ur career, after 10 yrs promoted to become director, income 30k/month. saving/month = 20k
How to compare ?
stock investment can only be rich when u compound others money to invest or ur parents got millions for u to invest.
else for a normal worker with low pay hardly can be rich
2017-01-03 23:32
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This book is the result of the author's many years of experience and observation throughout his 26 years in the stockbroking industry. It was written for general public to learn to invest based on facts and not on fantasies or hearsay....
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Good write~
2016-12-31 16:15