工资和投资收入比多少才可以考虑全职?
集思录·2025-10-14 14:18

Core Viewpoint - The article discusses the relationship between work and investment, emphasizing that they are not mutually exclusive and should not be compared directly. It suggests that the decision to quit a job should be based on personal desire rather than financial comparisons with investment income [2][7]. Group 1: Work and Investment Relationship - Investment and work can coexist, and one should not measure one against the other. Quitting should be based on personal choice rather than financial performance [2]. - The act of quitting a job is essentially buying time, and it is crucial to consider how to utilize that time effectively [2]. - A stable job can provide a safety net for investments, allowing for better decision-making under pressure [6][7]. Group 2: Financial Considerations - The current job can be viewed as a cash flow equivalent to a significant investment, with a salary of 300,000 being comparable to a 7 million investment generating dividends [7]. - A suggested benchmark for considering full-time investment is when daily investment returns exceed annual salary [8][9]. - Achieving a consistent annual return of over 10% with a capital of 200-300 million is a potential threshold for transitioning to full-time investing [11]. Group 3: Personal Experiences and Insights - Personal experiences indicate that the decision to leave a job should be based on improved work conditions or validated investment capabilities rather than dissatisfaction with work [2]. - The article highlights the importance of maintaining a balance between investment and personal life, suggesting that a stable job can enhance overall well-being and investment performance [6][10].