最近買了一本電子書，書名為"持續買進"，是很多理財頻道常會提起的一本書。別人的分享聽多了，也好奇這本書為什麼受到那麼多推薦，於是買了一本來看看。

---

這本書的第一章節非常短，但開頭就讓我有了觀念上的更新。作者提了一個資產增長來源的說法，他將投資總額的成長分為投資收益與儲蓄。這個說法的前提是已經在執行定期投資的情況下，兩者之間對於總額成長的貢獻比較，可以決定自身要在哪邊下更多功夫。

作者用很簡單的例子比喻。當他一年投資所得，比一個月甚至一天娛樂花費還低時，應該把重點放在改善儲蓄情況。如果少一天的娛樂就能是一整年的投資所得，那也不用太過操心自己手上投資的狀況。

---

我對這個說法雖然不完全同意，但的確讓我對投資狀況的看法有新的角度。我先說說為什麼不完全同意的部分。我認為投資收益在初期小於儲蓄是正常的，會持續一段時日。這段時間如果對於投資研究沒有投注心力，難以確保投資方式是否正確。

如果大量心力都放在儲蓄，卻沒有正確的投資方式，可能會在通膨的影響下，導致效率不佳，甚至是投資失敗反而比不投資還糟糕。所以在初期建立正確的方向，才不會與目標有偏差。一方面下功夫研究，才會有持續投入的動力，維持儲蓄來源的穩定。

---

但這個章節內容的確帶給我不同的角度，以前這個事實的確出現在我眼前，但我並沒有用這樣的角度去思考。我在用Excel計算投資項目在未來可能產生的收益時，儲蓄投入與投資收益都曾出現在一張表上，我卻從來沒有將二者拿來一起看待。

這邊還有個點容易被誤解的是，作者提到儲蓄來源在後期占比越來越低。有的人會解讀成當投資漸入佳境後，儲蓄便不再重要。這是一種錯誤的理解，這段話只代表資產總額的成長，漸漸從依靠儲蓄轉變投資收益。但並不代表儲蓄來源與儲蓄是同一件事，將投資收益重複投入，就實質而言也算儲蓄的一種。如果將投資收益任意花用，可能最後就會停步在原地。

>The following text was translated by Google translate, and there may be some areas where the sentences are not very smooth, so please forgive any imperfections.

I recently bought an e-book called "Just Keep Buying", which is a book often mentioned on many financial channels. After listening to many other people’s sharings, I was also curious about why this book was recommended so much, so I bought the book to take a look.

---

The first chapter of this book is very short, but the beginning gave me a conceptual update. The author mentions a discussion about the sources of asset growth. He divided the growth of total investment into investment income and savings. The premise of this statement is that when regular investment is already being implemented, comparison that contribution of two way to total growth. It can determine which one should put more effort.

The author uses a very simple example. When his investment income in a year is lower than his entertainment expenses in a month or even a day, he should focus on improving his savings situation. If one day less entertainment can equal a whole year's investment income, then we don't have to worry too much about the status of our investments.

---

Although I don't completely agree with this statement. But it does give me a new perspective on the investment situation. First, let me talk about the part why I don’t completely agree. think it is normal for investment income to be smaller than the source of savings in the early stage and it will continue for a period of time. If we don’t devote much attention to investment research during this period, it will be difficult to ensure whether the investment method is correct.

If we put a lot of effort into saving without the correct investment method. It may lead to poor efficiency under the influence of inflation, and even investment failure may be worse than no investment at all. Therefore, establish the correct direction in the early stage so as not to deviate from the goal. On the one hand, if we work hard on research, we will have the motivation to continue investing and maintain the stability of our savings source.

---

But the content of this chapter did bring me a different perspective. This fact did appear in front of me before, but I did not think about it from this perspective. When I used Excel to calculate the possible future income from investment projects, both source from savings and investment income appeared on the same table, but I never looked at the two together.

Another point that is easily misunderstood is that the author mentioned that the proportion of savings sources will become smaller and smaller in the later period. Some people will interpret it that when investment becomes better, savings will no longer be important. This is a wrong understanding. This passage only represents the growth of total assets and the gradual shift from reliance on savings to investment income. But this does not mean that sources of savings and savings are the same thing. Repeated investment of investment income is actually considered a type of savings. If we spend our investment income arbitrarily, we may end up standing still.

![](https://images.ecency.com/DQmS7gnrAcGQMv6CgKgDDp2W86jJhH6WCDgyHTnU3iqGCpc/melody_zimmerman_nckb8elfw_k_unsplash.jpg)

Photo by <a href="https://unsplash.com/@roseonajourney?utm_content=creditCopyText&utm_medium=referral&utm_source=unsplash">Melody Zimmerman</a> on <a href="https://unsplash.com/photos/a-steaming-kettle-and-a-plate-of-food-on-a-table-Nckb8eLfW_k?utm_content=creditCopyText&utm_medium=referral&utm_source=unsplash">Unsplash</a>