分享会上，杜雨博士以一组震撼的数据开篇，揭示了过去三年传统投资领域的现状：2022-2025 年 8 月期间，全国城市房价大幅下跌，一线城市跌幅达 30%-40% ， 三 四 线 城 市 更 是 超 过 45%；A 股 主 要 指 数 持 续 下 行 ， 科 创 50 跌 幅 超 30%； 银 行 定 期 存 款 利 率 大 幅 下 滑 ， 5 年 期 定 存 利 率 跌 幅 达 56.1%。"过去投房、投股、投钱的'投物'逻辑已难以为继，未来 10 年，最划算的生意是投资于人。" 杜雨博士给出了明确结论。 他从资金、人口、国家、技术四个维度展开分析：流动性过剩导致钱不值钱，人口总量与出生人口双降引发劳动力结构变化，国家面临中等收入陷阱需 从人口红利转向人才红利，而 AI 技术正重塑财富分配格局，人力成本与 AI 成本的剪刀差持续扩大。多重因素叠加下，"游戏规则已从'按权力分配'转 向'按能力分配'，只有投资于人，才能穿越周期、抵御通胀。" 近日，未可知人工智能研究院院长杜雨博士携新书《投资于人》，在杭州西湖畔的解放路新华书店举办了一场精彩的新书分享会。活动现场座无虚席， 新老读者齐聚一堂，围绕 "投资于人" ...

Core Viewpoint - The concept of "Investing in People" emphasizes the importance of directing financial resources towards improving human capital, which plays a crucial role in enhancing employment, increasing residents' income, and stimulating consumption, thereby creating a virtuous cycle between economic development and the improvement of people's livelihoods [1]. Group 1 - The future of investment lies in "Investing in People" rather than traditional assets like real estate or funds, as human skills can outpace inflation and provide better returns [6][8][11]. - The government is shifting focus from merely having a large population to cultivating talent, indicating that investing in skilled individuals aligns with national strategies [8][11]. - The rise of AI technology means that individuals who can effectively utilize AI will be more valuable in the job market, further supporting the case for investing in personal skills [11][14]. Group 2 - Real-life examples illustrate the benefits of investing in human capital, such as a programmer who increased his income significantly after learning AI programming, demonstrating a return of 17 times on his investment [17]. - A business owner who invested in employee training saw a return of 40 times on his investment, highlighting the exponential benefits of investing in people over equipment [18]. - A mother who learned skills for assisting her child with overseas applications earned substantial income through her newfound knowledge, showcasing the practical returns of investing in personal development [19]. Group 3 - A three-step formula for individuals to effectively invest in themselves includes selecting high-leverage skills, committing time daily for learning, and applying learned skills immediately for feedback [22][25][27]. - The first step emphasizes choosing skills that can be immediately applied to generate income, rather than pursuing degrees that may not translate into practical job skills [23][24]. - The second step encourages daily investment of time in learning, suggesting that even one hour a day can accumulate significant knowledge over a year [25][26]. Group 4 - A checklist of three questions is provided to help individuals avoid poor investments in learning, ensuring that the skills learned can be applied within three months, that time can be dedicated to learning, and that feedback mechanisms are in place [28]. - For employers, the article suggests viewing employee training as an investment rather than a cost, with tools to calculate the return on investment (ROI) for training programs [30][33]. - The concept of a "Growth Agreement" is introduced to retain employees after training, ensuring that they remain with the company for a specified period post-training [33]. Group 5 - The article concludes with three truths about investing in people, emphasizing that human value will surpass material value, that effective investment does not require large sums but rather smart allocation, and that individuals themselves are the best investment [36][38][39]. - It encourages immediate action, such as creating a skills inventory, calculating ROI for employee training, and exploring available training subsidies [42][43].