Before we buy something, we instinctively weigh its value to us—not just its price. For instance, we may happily spend an extra $50 on stylish, well-made shoes but balk at paying $2 more for a basic turkey sandwich. Why? Because we expect the shoes to last, serve multiple purposes, and maybe even enhance our image. The sandwich? It’s gone in ten minutes.

Whether we realize it or not, we’re considering return on investment (ROI) every time we make a purchase. We ask:

• Is the benefit worth the cost?
• How long will the value last?
• Will this improve my life or image in a meaningful way?

These same principles should apply to how we invest our money.

When evaluating your investments—whether in a business, a stock, or a policy—ask yourself:

• What is the real value I’m gaining here?
• What’s my net return, after factoring in fees, volatility, and other expenses?

If an investment returns 12% but you lose 7% to market swings, fees, or other costs, your real return is only 5%. That 5% might be fine—or it might not be enough for your goals.

Take time to review your portfolio. You may decide it’s time to shift some or all of your assets into accounts that don’t lose value when the market does. That way, your net return gets much closer to your gross—and your wealth becomes more secure in the long run.