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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-English Version-
Kiat is a Y generation who just has few years working experience. His salary is not high, only RM3500/month. His superior, name Li who age 29 is a manager of the company and her salary is RM7000/month, double of Kiat's salary.
Kiat is hardworking and hope he could promoted in near term. However, he emphasize work life balance and drive himself not to OT if it's not necessary. During leisure time, Kiat will spend time with friends, else will read news and study stock investment.
Li is a workaholic who always works beyond 8pm. She is very stress and sometimes will scold her subordinates. Kiat as a newbie was always scolded by Li that Kiat is a lazy and irresponsible person. There was a time that Li insulted Kiat never think about getting rich.
Having this superior, Kiat remains steady and keen with own target. His personal value is he work hard and has to spend time for leisure and more importantly, learn about stock investment so that he can achieve his goal: early retirement and financial freedom.
Whereas Li's goal is simple, career is top priority and save as much as possible so that she is rich after retire.
Every month Kiat able to save RM1,000 and he will invest in stock market. The return is not stable but overall there is average annual return of 10%.
Li able to save RM2,000 per month for investment. She is good in working, but she know nothing about investment and not willing to do so. Hence, once there's bank FD(Fixed Deposit) promotion, Li will deposit all her fund into FD account and enjoy interest rate. The average annual return is 5%.
If....
If Kiat and Li maintain this contribution of investment and get constant annual return for 25 years, who has higher net investment value after 25 years?
Surprisingly, the answer is Kiat.
After 25 years, Kiat's net investment value = RM 1,298,181.17
After 25 years, Li's net investment value = RM 1, 202, 722.92（7% lower than Kiat !！）
Both invest at the same time, Li's contribution is double of Kiat's contribution. Kiat willing to take time and effort to learn about stock investment and hence having double investment return than Li.
The ending of the story told us that, Li works hard for 25 years but at the end her net worth is lower than his subordinate Kiat.
Of course, we should work hard. The key point is, from this story you will notice that master in stock investment is vital, which allow you to achieve your financial goal more efficiently with less effort. It's not about the power of compounded interest, it's about the power of master in stock investing.
Perhaps you could excuse that you don't know how to invest. It's fine. However, bear in mind that there is no inborn investor. Every investors start from beginning and learning.
Year 2017 is around the corner, please don't forget to include "die die also must learn stock investment!!!!!" in your new year target.
We would like to wish everyone good health and happy investing in 2017. =)
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-English Version-
Kiat is a Y generation who just has few years working experience. His salary is not high, only RM3500/month. His superior, name Li who age 29 is a manager of the company and her salary is RM7000/month, double of Kiat's salary.
Kiat is hardworking and hope he could promoted in near term. However, he emphasize work life balance and drive himself not to OT if it's not necessary. During leisure time, Kiat will spend time with friends, else will read news and study stock investment.
Li is a workaholic who always works beyond 8pm. She is very stress and sometimes will scold her subordinates. Kiat as a newbie was always scolded by Li that Kiat is a lazy and irresponsible person. There was a time that Li insulted Kiat never think about getting rich.
Having this superior, Kiat remains steady and keen with own target. His personal value is he work hard and has to spend time for leisure and more importantly, learn about stock investment so that he can achieve his goal: early retirement and financial freedom.
Whereas Li's goal is simple, career is top priority and save as much as possible so that she is rich after retire.
Every month Kiat able to save RM1,000 and he will invest in stock market. The return is not stable but overall there is average annual return of 10%.
Li able to save RM2,000 per month for investment. She is good in working, but she know nothing about investment and not willing to do so. Hence, once there's bank FD(Fixed Deposit) promotion, Li will deposit all her fund into FD account and enjoy interest rate. The average annual return is 5%.
If....
If Kiat and Li maintain this contribution of investment and get constant annual return for 25 years, who has higher net investment value after 25 years?
Surprisingly, the answer is Kiat.
After 25 years, Kiat's net investment value = RM 1,298,181.17
After 25 years, Li's net investment value = RM 1, 202, 722.92（7% lower than Kiat !！）
Both invest at the same time, Li's contribution is double of Kiat's contribution. Kiat willing to take time and effort to learn about stock investment and hence having double investment return than Li.
The ending of the story told us that, Li works hard for 25 years but at the end her net worth is lower than his subordinate Kiat.
Of course, we should work hard. The key point is, from this story you will notice that master in stock investment is vital, which allow you to achieve your financial goal more efficiently with less effort. It's not about the power of compounded interest, it's about the power of master in stock investing.
Perhaps you could excuse that you don't know how to invest. It's fine. However, bear in mind that there is no inborn investor. Every investors start from beginning and learning.
Year 2017 is around the corner, please don't forget to include "die die also must learn stock investment!!!!!" in your new year target.
We would like to wish everyone good health and happy investing in 2017. =)
WeShareWeTrade
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