Kutonga Kwakaitwa 72 Kunogona Kukubatsira Sei Kuvaka Pfuma Pasina Ngozi Yakawanda
Ndeipi Mutemo we 72?
Mutemo we 72 unotaura kuti nguva yakatarwa kuwedzera kaviri mari yako yakaenzana 72 inoparadzaniswa nehuwandu hwekudzoka. Semuyenzaniso:
- Kana iwe ukasima mari pa10 kubva muzana inodzoka, iwe unowedzera mari yako kaviri makore manomwe. (72/10 = 7.2)
- Kana iwe ukasimudza pa 9 kubva muzana kudzoka, iwe unowedzera kaviri mari yako makore ose masere. (72/9 = 8)
- Kana iwe ukasimudza pa8 kubva muzana kudzoka, iwe uchapeta kaviri mari yako makore gumi nerimwe. (72/8 = 9)
- Kana iwe ukasimudza pa7 kubva muzana inodzoka, iwe unowedzera mari yako kaviri kwemakore 10.2. (72/7 = 10.2)
(Cherechedza: Mutemo we 72 unofunga kuti iwe unowedzera zvikwereti zvako uye mari inowanikwa. Mutemo uyu unoshanda nekuda kwezvishamiso zvechikwata chinowanikwa .)
Chii Chinoitika Zvichidzoka Ndingakwanisa Kutarisira?
Mutengo wegore wemakore makumi mashanu nemashanu (annualized return year) weS & P 500 (kubva muna 1987 kusvika 2012) ndeye 9.61 muzana.
Mune mamwe mazwi, kana iwe wakanga uine mari yekutsvaga iyo inotevedzera S & P 500 muna 1987, uye iwe hauna kumbobvisa mari yacho, iwe unenge uine huwandu hwekudzoka kwe961% pagore. Panguva iyoyo, iwe unowedzera mari yako kaviri kwemakore 7.5.
Zvakakosha kunzwisisa kuti mumusika uchatora kusvetuka kwepanyika mune imwe gore rakapiwa. Munguva yemakore makumi maviri nemashanu kubva muna 1987 kusvikira muna 2012, misika yakapa kudzoka kwakakwirira se 37 muzana mugore ra1995, uye inodzoka yakaderera se -37 muzana muna 2008.
Isu tiri kukurukurirana pamusoro penguva yakare-kare , uye nzira chete yekuwana iyo yevhareji ndeye kuramba uri munzira kuburikidza nehutete uye hutete. Vazhinji vatengesi vanoedza kuedza kutengesa zvakawanda kana mashizha ari kukwira, kana kutapudzwa uye kutengesa maitiro avo panguva yekuderera.
Kuisa mari maererano nemanzwiro ako haisi nzira yakanaka.
Kunyange zvazvo zvakaoma, iwe uchabatsirwa zvakanyanya nekugara mumusika kana nguva dzikaoma (kunze kwekuti iwe uri pedyo nekurega).
Zvakadini Kana Ini Ndisina Kuwedzera Mari Yangu Mari Imakore Zvose?
Kana ruzivo rwezvakaitika kare ruchipa chero ruzivo, zvinonzwisisika kutarisira kuti munhu anogona kudarika mari yavo makore manomwe ese, maererano neRule ye 72.
Zvisinei, kudyidzana kwenhau Warren Buffet inofanotaura kuti kudzoka kwemazuva mazhinji emakero emashesi eUnited States muzana remakore rechi21 ichave yakaderera pane zvatakaona muzana remakore rechi20. Anoti kutarisira nguva yakareba yegore rinodzoka pa7% (panzvimbo ye9,8 muzana). Kubva pakufunga uku, Mutemo we 72 unoti zvichakutora iwe makore gumi kuti uwedzere mari yako.
Izvozvo hazvina kunaka. Fungidzira iwe unoshandisa $ 5,000 pazera remakore makumi maviri nemaviri. Kana wava nemakore makumi matatu, iwe uchava ne $ 10,000. Pa40, iwe uchava ne $ 20,000. Pa50, iyo inova $ 40,000.
Pakazosvika makore makumi matanhatu, apo uri kuswedera pakubata basa, iwe uchave wakakura $ 5,000 yako yekutsvaga mu $ 80,000.
Icho Chinhu Chinonyanya Kukosha: Mutemo we 72 unokudzidzisa kuti iwe unogona sei kuwedzera mari yako, asi zviri kwauri kuti uite chimwe chinhu. Itai mari mumusika wakapararira, garai murwere kuburikidza nekusingaperi kusvika kumusoro uye kudzika kwekunamira, uye dzorerazve zvigaro zvako .