Maximize Your ROI – Return on Investment
– Musings of Dr. Jamie C. Hsu, 2.28.2018
Most of us, when we hear the phrase ROI, will intuitively think about money. Where and how should we invest money to maximize the financial return? This applies to our personal wealth management and to business investment for growth. Of course, financial ROI is important to all of us, but we should also take a broader look at how we invest our time and energy beyond just money.
The question of ROI needs to address where to invest our time, energy, and money in order to maximize the returns that are most important to us. These returns could be wealth, health, relationship, knowledge, skills, and ultimately, our happiness.
In money investment, we try to have a mix of short-term, long-term, conservative, and risky asset allocations to establish the right portfolio for our personal situations. Similarly, we need to do the same with our time and energy allocations.
- Time is our most important asset and it is not replaceable. Do we allocate the right amount of time to socialize, study, and exercise so we can enrich our relationships, strengthen our bodies, and sharpen our minds? Have we learned how to manage our time more effectively and not waste it on trivial stuff?
- Another important asset is our energy. Do we focus our attention on healthy eating, family affairs, continuous learning, and developing good habits? Or do we waste our energy on non-essential tabloids and social media gossip?
- Regarding financial gain, we not only need a strategy to save, invest and grow our money, we also need a plan to spend the money wisely. Money, used properly, can improve all the other important returns in life. There is an old saying: only the money spent wisely is truly ours. Do we spend our money on education, healthy foods, exercise programs, and charity work?
It is time to take stock of how and where we invest our time, money, and energy, so we can maximize the meaning and happiness of our lives.
你的ROI是多少？
–作者 許俊宸博士
–中譯 薛乃綺
大多數的人一聽到ROI，直覺想到的就是錢。到底錢要放在哪裡、要如何才能讓投資的錢可以得到最大的報酬？這ROI適用於我們的個人理財、以及商業投資的增長。當然，財務的投資報酬對所有的人都很重要；但除了錢之外，我們也應該更廣泛地去檢視自己是如何投資個人的時間及精力。
有關這樣的投資報酬率議題，就要講到我們是將自己的時間、精力、及金錢投資在什麼地方，才能優化對我們最重要的報酬項目。這些報酬可能是財富、健康、情感、知識、技能、甚至是自己人生的幸福。
在貨幣投資方面，我們嘗試將短期、長期、保守型及風險型的資產配置結合起來，依自己個人的情況建立正確的投資組合。同樣地，對於我們的時間及精力也需要做同樣的配置安排。
- 時間是我們最重要的資產，而且是不可替代的。我們是否分配了適當的時間來進行社交、學習及鍛鍊，來豐富自己的情感、增強自己的體魄、並強健自己的心志？我們又是否已學會更有效率地管理自己的時間、而不是浪費在一些枝微末節的瑣事？
- 另一項重要的資產，就是我們的精力與注意力。我們是否將它們致力於在健康飲食、家庭事務、不間斷的學習、以及養成好習慣上面。而不是將我們精力浪費在無關緊要的小報及社交媒體的八卦新聞上。
- 關於金錢，我們不僅需要策略來儲蓄、投資及發展，還需要一個明智的規劃來花用金錢。正確地花錢，可以改善生活中許多重要的事情。有句話說，惟有聰明地用錢，這錢才算是真正属於自己的。请反省一下，我們是否將錢花在教育、健康食品、鍛鍊計畫，或慈善事業上？
現在是時候去好好了解分析，我們是如何投資自己的時間、金錢及精力；如此，我們便能過著更有意義並且幸福的生活。
