先說結論：
職涯就是塑造財務領域的過程，因人的能力與風險偏好，而有不同的職稱/身份
能力→職稱；風險偏好→身份
能力/職稱的概念容易理解，以下說明風險偏好與身份的關聯
職場稱謂千奇百怪，角色概分為領導者與被領導者，兩者主要的差異是風險承受度，與能力無正相關
1.勇於嘗試，不受常規侷限者常代表領導者
2.行為保守，凡是循規蹈矩者屬於被領導者
成功的企業/團隊往往善於相性互補，獲致綜效
反之，身份錯置或互相攻訐，將導致內捲崩壞
坊間企管講述的「帶人帶心」、「逆境同理」等技巧，之所以無法複製，就是沒搞清楚職涯身份的本質，以致認知失調
「同理(情)能撫慰脆弱的心靈，令人接受現實，但不會改變現狀」
「任何階層均有強化自身的資源，卻專屬於能辨識與善用的一方」
世界上95%以上的問題能用金錢緩解，為了提升競爭力與產能，資本家創造出「上班族」，讓能力尚未顯化或不願承擔風險者得以兌現時間資本
然而，這並非長久之計，人終將因體力、健康、心理等因素離開職場
不論身份為何、能力高低，擺脫禁錮的身軀仍受財務制約；結構脆弱者，只能靠投資彌補
這時才發現：正確認知投資邏輯與心法從來不是選修課，而是必考題
機會與風險，宛如攣生兄弟相隨
任何投資若只看得見機會(利益)，肯定存在不為人知的風險(虧損的可能性)
一廂情願，只是遞延損失，甚至加劇！
以無風險利率(定存)為例，真正風險不是微薄的利息，而是因通貨膨脹/資產增值導致購買力減損
至於有價證劵、基金、原物料、保險、房地產等，各有特定風險且普遍成本較高，一般人很難獲得市場/超額報酬
退休，是每個辛勤工作者的目標，也是檢視財務結構的照妖鏡
退而不休，讓活化腦力接續遞減勞力，才能與時俱進、適者生存
Let me start with the conclusion:
A career is the process of shaping one's financial spectrum. Different job titles/identities are determined by one's abilities and risk preference.
Ability → Job Title; Risk Preference → Identity.
The concepts of competence and job title are easy to understand. The following explains the relationship between risk preference and identity.
There are many different job titles in the workplace, and roles are generally categorized as leaders and followers. The primary difference between the two is risk tolerance, which is not positively correlated with competence.
1. Those who are bold in experimenting and not bound by convention are often considered leaders.
2. Those who behave conservatively and follow the rules are considered followers.
Successful companies and teams often excel at complementing each other's strengths, achieving synergistic results.
Conversely, identity misalignment and mutual criticism will lead to internal collapse.
The reason management techniques often discussed, such as "leading with heart" and "empathy in times of adversity," are inaccessible is a failure to understand the essence of professional identity, leading to cognitive dissonance.
"Empathy can soothe fragile hearts and help people accept reality, but it won't change the status quo."
"Every class has the resources to strengthen itself, but only those who can identify and utilize them effectively can do so."
Over 95% of the world's problems can be alleviated with money. To boost competitiveness and productivity, capitalists have created the "office worker" class, allowing those whose abilities haven't yet materialized or who are unwilling to take risks to cash in on their time.
However, this isn't a long-term solution. People will eventually leave the workforce due to physical, health, and psychological factors.
Regardless of identity or ability, even those who have escaped physical constraints are still subject to finance. Those with weak structures can only compensate through investment.
It's only then that we realize: correctly understanding investment logic and principles isn't an elective, but a required exam.
Opportunity and risk, like twin brothers going hand in hand.
Any investment that only sees opportunities (profits) inevitably carries hidden risks (the potential for loss).
Wishful thinking only delays losses, or even exacerbates them!
Taking the risk-free interest rate (fixed deposit) as an example, the real risk isn't the meager interest, but the loss of purchasing power due to inflation/asset appreciation.
Securities, funds, commodities, insurance, real estate, and other assets each carry their own specific risks and are generally high costs, making it difficult for the average person to achieve market/excess returns.
Retirement is the goal of every hard-working person and a mirror through which to examine their financial structure.
Retirement without rest, allowing active brainpower to continue reducing physical exertion, is the only way to keep pace with the times and survive. |
分享
收藏
分享
