Nzira Yekuita-Iyo-Yakoyo vs. Hiring a Professional Money Manager
Iwe Une Unyanzvi Hwokugadzirisa Mari?
Kurumidza! Usati wava nenguva yekufunga nezvazvo, tora chigamba chepapepa uye nyora pasi mazano ekugadzirisa ayo iwe unoshandisa chikwereti chako uye mararamiro aunotarisa mumatanda waunotenga.
Ndeipi chinangwa chekuita izvi? Kana iwe waifanira kufunga pamusoro pemhinduro yako, unogona kunge uri kukanganisa nekugadzirisa iwe pfuma yako. Zvinogona kuratidza kuti hauna humiro hunogamuchirwa kuti urambe uchinetseka mupfungwa kubva mune zvekutsvaga - dare rinokosha kana iwe uchizoita sarudzo dzakangwara zvichibva pakutsvakurudza kwebhizinesi pane kugadzirisa mafungiro ekutengesa kuchinja mumatengo emusika. A
Kune rumwe rutivi, kana iwe uri mubhadhari zvechokwadi izvi basa rinofanira kutora kushanda kana nguva. Ndizvo zvaunofunga kubva mune zvebhizimisi. Semumwe weGraham uye Dodd chikoro chekuisa mari, somuenzaniso, ndinoziva kuti mashizha ane zvimwe zvinhu zvakadai semutengo wakaderera kuhuwandu hwekuwana mari , mutengo wakaderera kuhutano hwebhuku, hutsika huri pamusoro pezvinyorwa zvinokosha , uye sangano mararamiro emitemo yakagadziriswa kubuda mumusika kwenguva refu.
Zvinhu izvi, pakati pevamwe, ndizvo zvandinotsvaga apo ini ndinotsvaga zvingaita mari itsva. Nyora yacho inogona kusiyaniswa neunyanzvi hwako uye nzvimbo yekufarira - kutenderera, nyota, makambani emafuta, nezvimwe.
Unogona Kukoshesa Mari Inokwira?
Bhizimisi rinongoda mari iyo inotanga kubva ikozvino kusvikira doomsday ichideredzwa kusvika kuhuwandu hwezvino pahuwandu hwakakodzera (inowanzo hurumende yehurumende yehurumende yeUnited States pamwe nehuwandu hwezvakakosha).
Kana iwe usinganzwisisi mutongo iwoyo kana usina unyanzvi hunoiswa pakurambidza ruzivo rwe annuity, zvichida iri pfungwa yakaipa kwazvo yokuti iwe usarudze hupfumi hwemumwe wepodfolio yako. Pasina kodzero yekusvika pazvimiririra, zvinonzwisisika iwe unogona kuzviwana uchinetseka kune vanoita zvisiri izvo zvinokurudzira zvinongoratidzika zvichiita sezvaunofadza (kazhinji zvakakwirira-zvebhadha) zvipo zvepachena zvepachena kana zvimwe.
Unogona Kutarisa Kuongororwa Kweguru?
Vazhinji vatsva vatengesi vatsva havaoni kuti mari inonzi yakabhadharwa nemari uye mari inoshandiswa purogiramu yega yega yegore remushumo wegore ndeyekuti, zvakanakisisa, kuongororwa kwakaoma. Izvi ndechokuti kunyange bhizinesi rakanyanyisa uye rakanatswa mabhadharo rine maonero akawanda uye mafungiro ayo vatungamiri vanofanira kuita - iyo inotengeswa nevatengi vasingakwanisi kubhadhara mari yavo, iyo yakakodzera yehuwandu hwezvivako nemakemikari, iyo inofungidzirwa yehuwandu hwezvinhu kudzoka, kudzoka kweramangwana pfuma yepensheni ... uye izvi zvishoma chete mienzaniso yakajeka zvikuru!
Icho chinonyadzisa ichi ndechokuti kutonga kwakashata kunogona kutamba nhamba dzekuti dzitarise zviri nani kudarika dziripo kuburikidza nekushandisa maitiro ekutsvaga maitiro ekutsvaga. Kuziva kuti ungaona sei izvi zvinokosha kuti uzvidzivirire.
Zvakare, kana iwe usingagoni kuzviita, iwe haufaniri kunge uri kuisa mari yako pachako pasina rubatsiro rweyanyanzvi.
Unonzwisisa Bhizimisi Rinokosha Here?
Iwe unogona kushamiswa kuti vashomanana vanhu vanoziva sei kuti boka ravo rinoita sei mari. Coca-Cola, somuenzaniso, haaiti zvakawanda zvekubatsira kwayo kubva pakutengesa kunwa waunotora muchitoro. Pane kudaro, iyo inotengesa syrups yakaiswa kune mabhota munyika yose iyo inozogadzira doro rakapedzwa uye kuvatengesa kune vatengesi. Zvichida vashandi vakawanda veEnron havana kunzwisisa kuti kambani yakaita sei mari.
Unonzwisisa Ngozi Dzakasiyana Here?
Ndezvipi zvidhi zvakatorwa kuti zvive zvakasiyana? Firipi Fisher akataura nezveiyo pfungwa chaiyo mumutauro wake unozivikanwa weCent Stocks uye Unowanikwa Kubatsira Kwemakore akawanda akapfuura. Ndeipi nhoroondo, somuenzaniso, iwe unofunga zvakasiyana-siyana?
"Portfolio A" ine zvikwata zvine gumi zvakagadzirwa nemabhanki matatu, makambani maviri einishuwarenzi, uye nhanho shanu dzekutengesa dzimba kana "Portfolio B" ine zvinhu zvishanu zvinosanganisira imwe yezvivako zvekutsvaga kwemaimba, imwe nzvimbo huru yemabhizimusi, kambani imwe yeiri, imwe bhangi , uye imwe yepasi rose mutual fund?
Muchiitiko ichi, mhinduro inoshamisa ndeyekuti iwe unogona kunge wakasiyana-siyana uchiine zvishanu zvisingabatanidzi mashizha kupfuura kaviri kana yezvikwereti mumakambani akadaro. Izvozvo ndezvokuti kana matambudziko auya, anowanzokonzera nharaunda yose yemusika; kupupurira dambudziko rebhengi rekupera kwemakore ekuma1980 kana kuti imba inowira panguva imwe chete.
Iwe Unoshungurudzika Kuvhiringidza Kuchinja MuKusika Mutengo?
Warren Buffett akawanzofunga nezvekuti mashizha ndiwo chinhu chimwe chete icho vanhu vanoda zvishomanana pavanenge vasisina mari. Mune dzimwe nzvimbo dzese dzehupenyu hwedu, isu tinowanzofarira kutengeswa kana iri pabhamburger kana masheki emisungo kana motokari. Sezvo zviyero zvinowana mari shoma, zvakadaro, isu tinowanzotiza ivo vanowanzoreva zvinhu zvoupenzi zvakadai sekuti, "Ndichamirira kusvikira mutengo ugadzikana uye unotanga kumukazve." Izvi hazvina maturo. Kana iwe usingakwanise kutarisa mabhenji ako achiwa ne makumi mashanu kubva kuzana kana kupfuura kunze kwekutya kana kuvhara nzvimbo dzako, haufaniri kunge uri kutarisira zvipuriro zvako pachako pasina rubatsiro rwemhizha.