Core Insights - The best investment is in oneself, focusing on knowledge, skills, perspective, and health [1] Investment in Knowledge and Skills - Learning new skills enriches life and should be approached with curiosity, allowing for gradual improvement over time [3] - Dedicating even 10 minutes daily to learning can lead to significant personal growth [3] - Exploring knowledge outside one's field can create new problem-solving approaches and opportunities [3] - Practical application of learned skills is essential for personal development [3] Investment in Perspective and Vision - A person's worldview and mindset determine their potential and opportunities [5] - Engaging with diverse experiences and people can expand one's horizons and introduce new possibilities [5] - Curiosity about the world encourages exploration and personal enrichment [5] - Reading extensively fosters deeper understanding and challenges existing thought patterns [5] Investment in Health - Physical and mental health are foundational for a fulfilling life, necessitating attention and care [7] - Regular exercise, such as running or yoga, benefits both physical and mental well-being [8] - Nurturing one's inner self and maintaining healthy relationships contribute to overall happiness and resilience [8]

Core Insights - The global trend of declining interest rates since 2025 has made traditional bank deposits less attractive, with one-year fixed deposit rates around 2%, failing to keep up with an average inflation rate of approximately 3% [1] - This environment presents an opportunity for asset reallocation, focusing on assets that can outperform interest rates, hedge against inflation, and have long-term growth potential [1] Investment Opportunities - The demand for electric vehicles (EVs) has surged, indicating a growing opportunity in the technology sector, particularly in areas like chips, new materials, and AI [3][4] - Investing in technology-themed funds allows individuals to indirectly benefit from industry growth without the need to directly purchase high-priced stocks [3] - Real estate investment remains viable, particularly in core urban areas with strong demand and infrastructure, while ordinary residential properties in less populated areas may struggle to appreciate [4][5] Asset Classes - Gold has proven to be a reliable asset for value preservation, with a reported price increase of over 30% since 2021, making it a suitable hedge against economic fluctuations [5] - Digital assets like Bitcoin carry higher risks and are recommended for only a small portion of an individual's investment portfolio [5] - Regular investment in mutual funds, particularly those focused on technology and consumer sectors, has shown stable returns, averaging around 8% over five years [7] Skills and Knowledge Investment - Investing in personal skills and knowledge is highlighted as a non-depreciating asset, with examples of individuals enhancing their income through skill acquisition in high-demand areas like video editing and data analysis [8] - The recommendation includes allocating a portion of assets to skill development, which can lead to increased income and job security [8] Suggested Asset Allocation - A proposed asset allocation strategy includes 35% in quality funds, 30% in core city real estate, 15% in gold, 10% in technology stocks, and 10% in skills investment, aiming for stable growth and enhanced personal capabilities [8]