投資と投機の違い ー 私の過去の失敗/成功は全てここに行き着く気がします。
前回、最初の投稿で「投資」という言葉について述べました。
似た言葉に、「投機」という言葉がありますが、この2つの違いは何か?
MONEY VOICE という経済Webメディアの俣野成敏さんの下記記事の冒頭に説明があって腹落ちしたので紹介しておきます。
みんなが知らないFXの「真実」(上)~勝てるのは上位20%だけ、しかも…=俣野成敏
上記記事をまとめると、
● 投資とは、一般的には「生産的なものを、より発展させていくためにお金を投じる」ことをいいます。わかりやすいところでいうと、土地や株式などです。
● 対する「投機」とは、基本的には「自分のお金を増やすためにお金を投じる」ことです。購入する対象の将来性や事業などはさほど考慮せずに、もっぱら相場の数字をもとに判断し売買を繰り返します。「買えば成長の助けになるだろう」といったようなことは考えず、「どうやったら利益を出せるのか?」という観点から行うのが投機。
このように「お金を投じることによって、投じた先がどうなっていくのか?」ということに対する見方の違いが、投資と投機の大きな違いということです。
必然的に、「時間」についていうと、投資は中長期的な考え方を基本とし、対する投機は、短期的な考え方が基本になります。
さらに続いて、
●「投資だったらすべてがよくて、投機は全部悪いという意味ではない」
ということを伝えています。資本主義では、お金は動かなければ価値を生まないから、これは正しいです。
投機の方が、桁違いのお金を増やせるチャンスもあるかもしれないというのは正しくて、ボラティリティ(=広義には資産価格の変動の激しさを表すパラメータ)が大きい市場では短期的な「差益」が生み出しやすいことになります。最近では、ビットコインなどの小さい市場では、デイトレード市場も誕生しているのが良い例です。
ただ、そのようなビットコイン市場でも、長期的目線から「ビットコインの未来に賭けたい」という、「投資」の立ち位置からの参入も可能だということです。目先の上げ下げに一喜一憂せずに、将来的に発展してお金の未来を変えていく技術・概念・市場だと考えて、自身の投資ポートフォリオの一部として暗号通貨を組み入れて、あとは放っておく・・・
「自分は投資と投機のどちらを選ぶのか?」と意識してから、案件への取り組み方を決めるわけですね。
何となくお金使っちゃった、とか、お金儲けしたい、という曖昧な取り組みは失敗の元になりますし、失敗した時に不毛に後を引きずることになるでしょう。
私の過去の失敗パターンは、おおよそこれです。(順次紹介していきますね。)
さらにさらに、俣野さんは
● 自営業者(S)と投資家(I)の違い
にも踏み込んでいます。
一見「投資」と勘違いされがちな FX や 株式のデイトレードなどなど・・・。
「自分は投資家だ」と思っている多くの人が、実際は投資家ではなく「自営業者」実際は投資家ではなく「自営業者」とおっしゃっています。目安のひとつとしては、自分が気になってドギマギするような投資は、自営業の領域だということです。
これは、自分の心にかなり刺さりました。「自分が気になってドギマギするような投資」を本当にやり続けたいか?と言われれば、答えはもちろん「ノー」です。そして、過去に自身が何の知識もないところからチャレンジしては失敗してきたのは、大半が投資ではなかったのではないかと振返っています。
俣野さんは記事の本題に入る前に、
● 「自らの能力、目指す姿などを考慮しながら、最終的には、どういう力配分で生活していきたいのかを、今のうちから思い描いておいた方がいい」
という言葉で結ばれています。「投資をする」というのは、単にその対象を選ぶ以前に、人生や生涯のことを考えてから、ということですね。こうしたことは、一朝一夕に思いつくことはできず、普段から、考えておくことが重要だと。
思いつきで、お金や時間を投じても良い結果が出ないのは当たり前ですね。
「後悔先に立たず」で、これまでの失敗が本当に恥ずかしいですが、これを読まれている方が同じ目に合わないように、自身の失敗(や少しの成功)を書いていこうと思います。
「今からでも遅くない。投資の検討を通じて人生を設計し直そう!」
なんて考えています。
投資が誰かを幸せにし、巡り巡ってリターンされますように。
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