投资和投机的区别在于，投资胜率相对更大，但回报期会更长，通常运用复利的力量实现财富的增长。而投机则反过来，以牺牲一定的胜率，来实现回报期的缩短。如果你现在有一块钱，投资一年的回报率是r，那么n年后，这一块钱的价值会变为(1+r)^n。这其实是一个重要大不会被多数人重视的基本增值模型。投资的重点在于n的力量，而投机则是利用r。
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