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从零致富–普通人如何赚到扭转人生的财富

为什么我们要尽早学会投资？

因为尽早投资有很多好处，尤其是当你想确保自己的退休计划以及一些长期财务目标能够顺利实现时。这些好处可能在短期内看不出来，但从长期来看，尽早投资的好处是毋庸置疑的。

1. 尽早投资让“复利效应”更强大

尽早投资的最大优势就是能充分利用“复利效应”。复利的核心是，通过把之前的收益再次投入，获得更多的收益。而时间越长，复利的力量就越强大。

虽然等到30多岁甚至40多岁再开始学投资也可以，但越早开始越好，最好在刚参加工作的时候就开始。这是因为复利的关键在于“时间的价值”。

如果能长期、定期投资，比如预期回报率在10到15年的投资组合中，复利的作用会非常显著。当然，具体选择哪种投资组合，还要根据个人的风险承受能力，比如“保守型”“稳健保守型”“中等风险型”“稳健进取型”或者“进取型”。

一般来说，投资组合需要至少五年的时间，才能让复利的效果最大化。而且最开始投入的金额也很重要，因为金额越大，复利作用的影响时间就越长，最终收益会更可观。

比如，一个25岁的刚刚开始的女生,如果在账户里存入 10,000 元，且年收益率为 5%，一年后，她的总额会变成 10,0500 元。第二年，这 5% 的收益将是基于 10,500 元，而不是原来的 10,000 元。如果她的退休基金每年都能有 5% 的回报，并且坚持每年存10,000元。当他60岁的时候, 她的养老基金就积累到了958,363元,将近100万! 这就是复利的神奇力量！其实一万离100万的距离就是一个坚持! 只有长期主义才能让我们稳稳的在市场中赚到扭转人生的财富!

2. 尽早投资，给自己更多时间承担风险

近年来，市场的短期波动性变得越来越大，充满了不确定性。但是，历史证明，从长期来看，时间能够有效降低波动性，同时提高投资组合的可预测性。

资本市场往往更青睐长期投资者。对于尽早投资的人来说，即使市场出现大幅波动，他们也有足够的时间从挫折中恢复,在心态上,长期投资者也往往更加的平静,经历过牛熊之后,看懂了市场的规律,更容易长期在市场上获利。

此外，早早学会投资的人，比那些晚年才开始投资的人，有更多的机会尝试承担更高的风险。因为晚年开始投资的人，时间窗口更短，往往会更倾向于保守的投资方式。所以，如果你希望你的退休计划保持稳健，尽早开始投资尤其重要，特别是如果你本身喜欢尝试高风险高回报的机会。

3. 尽早投资，帮助养成良好的消费习惯

尽早投资还有一个重要的好处，就是能帮助你养成更好的理财习惯。这对稳定你的退休计划起着重要作用。

一般来说，一个人需要投资的金额，要根据自己的财务目标和时间计划来决定。如果你希望早点退休，那可能需要考虑每月储蓄收入的一半左右。简单来说，想要让退休计划有效，理财的“自律”非常关键。

通过尽早学会投资，人们通常能养成良好的财务习惯。尤其是在中国，提前规划好财务目标的人，往往在花钱方面也更有节制。

毕竟，很多优秀的退休计划都是基于一些预设的参数，比如“每月可以支出多少？”或者“退休金能用多久？”。如果缺乏财务纪律，很可能会偏离这些规划，从而让自己的退休计划失效。

总结：尽早投资的三大核心优势

从上面可以看出，尽早投资有以下三大优势：

  1. 利用复利效应，让你的投资更高效；
  2. 有更多时间承担风险，从而争取更高回报；
  3. 养成良好的理财习惯，让退休计划更稳健。

这三大优势结合起来，一定能帮你实现自己的退休目标。所以，早点开始投资，未来会感谢今天的自己！

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Li Wenjun Olivia 李文君

您好，我是 Olivia 李文君。2008 年以全额奖学金来到新加坡，并在本地最大公立医院 ICU 工作了 7 年。长期在高压与高度负责的环境中，练就了我的决策力，同时我深刻理解了风险、稳定与财务安全的重要性。也正因如此，我选择进入理财行业，希望能把“在问题发生后抢救”，变成“提前帮家庭避开问题”。医学背景带给我的，是对新加坡医疗体系的深度理解，对不同客户适合的医疗机构，专家以及治疗的专业严谨判断力，也是一种对每一个家庭都必须认真负责的态度。

进入理财行业后，我专注于 风险管理、保障架构、跨境家庭资产配置，并把医学时期的逻辑思维延伸到财富规划中。作为 金融顾问（FA），我不受任何单一公司限制，可从 150+ 金融机构 的方案中做深度比较，为客户搭建透明、可执行、长期可坚持的规划结构。我服务的客户多为在新加坡发展的专业人士、新移民家庭，以及需要更高精准度规划的企业主与高净值人士。他们的共同点是：不喜欢被推销，而需要一个站在他们立场、判断清晰、长期可靠的顾问。

我也在视频号、小红书、Instagram、YouTube（账号：奥莉私房话）长期分享新加坡的保障体系、财富规划逻辑与实用案例，希望让更多家庭在重要决策上少走弯路、拥有更高的确定性。如果您正在寻找一位专业稳健、真诚可靠、可以长期合作的顾问，我很愿意从一次轻松的交流开始，帮助您和家人建立一个更安心、更有方向的未来。

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策