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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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2016-12-31 16:15