The Top Ten Best Investments You Will Ever Make
An Essay on Wealth, Time, and the Architecture of a Life
We spend much of adulthood thinking about “investments” — the ones we should have made, the ones we regret, the ones we hope will finally deliver. But the truth is that the highest‑yield investments are rarely the ones your bank manager talks about. They are the ones that compound across decades, protect your future, and shape the lives of the people you love.
This is not a list of financial products. It is a list of the ten most powerful ways a human being can invest in their future — in money, in time, in health, and in eternity.
Most of these assume that you have cleared any interest-bearing debts, and that you want to create a store of wealth so that loved ones can have ongoing security after your own upgrade. Then the final, bonus one is about the actual upgrade.
None of this is personal financial advice and so you can’t sue me for anything. If you want some good advice, you should find a properly licensed accountant in each of the jurisdictions where you have a footprint. Usually that will be money well spent.
10. Your Home
A house is more than a structure. It is the anchor of your life: the place where your children grow, where your memories accumulate, where your identity settles. Financially, it is the quiet compounding engine that works even when you are not paying attention. Inflation lifts it. Scarcity protects it. And unlike most assets, you can live inside it.
A home that you love and a place you can feel safe and well is a baseline for many other of life’s good things.
A house is the first investment that teaches you the difference between price and value.
For most people, especially of an Anglo-Saxon mindset, the home is the biggest investment that they knowingly make, but in fact it is ony number ten on my list here today.
In many countries mortgage lending is the cheapest form of lending and also come with tax incentives, however one still has to avoid making basic errors around the mortgage loan. Such as, taking so-called “endowment” or “interest-only” mortgages, or mortgages framed in a currency which you have no natural hedge for, such as the Swiss franc mortgages that used to be popular in Poland.
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