wait a moment

And the best investment for 2019 is…

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Now I know that this is predominantly a finance blog, and readers will be thinking about financial ideas.

But having thought about it a lot, I have come to the conclusion that the best investment by far for 2019 is really not financial in nature, but in one’s health.

Cliche I know – but let me explain.

Life isn’t a excel spreadsheet

Its easy to get caught up in the numbers of planning scenarios with rosy projections showing us living long into the future. And to a large extent – that is true.

But averages disguise certain hard realities of life. One that life really is random and you really never know what is just around the corner.

Something that has profoundly shaped my own thinking many years ago way a blog post by Tim Ferris. While it was an essay written hundreds of years ago, it still resonated with me.

You can check it out here:

On The Shortness of Life: An Introduction to Seneca

He has highlighted the relevant sections of the essay to make it a short 4 minute read.

Health vs Money

One of the perks of my job is I get a lot of chance and time to interact with a much older generation of people, many of whom are approaching retirement age / are in retirement already.

One of the thing that strikes me the most in my conversations two simple truths. Money is profoundly important… but almost anyone would give it up for good health , be it for  themselves or for their loved ones.

I have heard the phrase health is wealth so many time that I cannot but find it cliche, but so true at the same time.

Unfortunately it takes dramatic circumstances for us to realise this.

What does this mean in you day to day life?

I get asked many times what I think what good investment opportunities there are. At the very end, what we are looking for are capital gains and dividends.

In this case, investing into your own health today is something that will reap utmost dividends for many years to come.

Admittedly this is something I have fallen short with over the last few years with work catching up and bad habits forming. It is something that I am trying very hard to work on and a big part of 2019 going forward.

Simple habits – plenty of upside and no downside

The following seems like very reasonable things to do:

  • Eat more proportions of vegetables
  • Drink more water and far less sugary drinks (also omitting sugar from coffee)
  • If you smoke, maybe try having one less cigarette per day?Thats 365 cigarettes a year, plenty of money saved and certainly a good investment for your health!
  • Exercise and stretch more [plenty of free Youtube videos + it can be something as walking more]

Power of Compounding

Investors are found of quoting Einstein and talking about the power of compounding being one of the wonders of the world.

My own experience is that the same applies here to investing in your health and that little steps each day has an outsized effect over the course of weeks and months.

Ending Thoughts:

I hope I made a good case towards focusing on not only your personal finances in 2019 but your health too.

As always, health is wealth!

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