A story of The best investment I never Made written by A.J.Cronin?
The story is actually called Best Investment I Ever Made. It appeared in Reader's Digest in 1951. The theme of the story is the importance of investing in people who are less fortunate.
Viewpoint in writing is how the story is written. First person viewpoint is written as if the character is speaking directly to the reader. Second person viewpoint (almost never used) is written as if someone is narrating something that is happening at the moment. Third person viewpoint is written as if someone is telling you a story.