Kune vamwe vatengesi, kutenda kwavo muhomwe yekushambadzira mari inowedzera zvakadzika, zvinenge sechitendero kwavari, kuudza chero munhu anoda kuda kutenga mari yekuenzanisa kusvikira mhou dzichidzoka kumba. Kune vamwe, vanorara zviri nani usiku vachiziva nzvimbo yavo yepamusoro inosanganisira makambani evanhu vakatsvakurudza zvakadzama uye nemaoko akasarudzwa. Kune ruzha rukuru kunze uko, uye kuti ikubatsire kududzira mharidzo dzose dzakasiyana dzawaverenga, ndakafunga kuti ndichakupa pfupiso pfupi yezvimwe zvikomborero uye zvipingamupinyi zvechikoro chepfungwa imwe neimwe.
Kuisa mari muStocks
Paunotenga zvikamu zvezvikwama mumabhizimisi ega, iwe unova mugove wekambani. Izvozvo zvinoreva kuti iwe unofanira kuwana chikamu chepakati chezvibereko kana kurasikirwa zvichienderana nekubudirira kwezviitiko zvebhizimisi.
Somuenzaniso, ngatitaurire kuti McDonald's Corporation yakagamuchira madhora 4,551,000,000 mushure mekuteresa mubhadharo, uye Bhodhi reBurisi rekambani rinosarudza kutumira $ 2 465,300,000 yeiyi kumashure yevashandi vekambani semukana webhadharo yemari .
Nokuti pane 1 010 368 852 zvikamu zvakasarudzwa, izvi zvinoshanda kusvika $ 2.44 per share. Kana iwe waive nezvikamu zana, wakagamuchira $ 2 440 mumari. Kana iwe uine mamiriyoni 1 000 000, wakagamuchira $ 2 440 000 mune mari.
Vashandi vatengi vakatenga pfuma mumakambani akabudirira munguva yakapfuura vakakura zvikuru. Fungidzira kana iwe ukava mugove weMicrosoft, Google, Berkshire Hathaway , Coca-Cola, Nike, eBay, Target, Disney, kana American Express pavakanga vaduku.
Sezvo purogiramu yavo yakakura, iwe wakabatsirwa kubva pauwandu hwehuwandu hwawakabata. Zvechokwadi, mari ye $ 10,000 muWal-Mart apo kambani yakatanga kupa mari kune vamwe kunze kwevatengesi, iko zvino yakakura kusvika kudarika $ 10 000 000 nezvikamu zvakabhadharwa zvadzorerwa!
Kune rumwe rutivi, makambani anokundikana. Dzimwe nguva, vanononoka kusvika pamhepo sezvinoitwa neAmerica motokari. Dzimwe nguva, dzinopera mukudengenyeka kunoshamisa, sezvakaita Enron. Kana iwe uine chikwama mumakambani aya, zvikamu zvako zvinogona kunge zvisina zvazvinobatsira, sekunge iwe unenge uine bhabhi yemunharaunda yaifanira kupfiga mikova.
Kuisa muIn Index Funds
Paunotenga chikwereti chemari, iwe uri kutengesa tswanda yematokari yakagadzirirwa kutarisa imwe nhamba, yakadai seDow Jones Industrial Average kana S & P 500 . Zvechokwadi, vatengesi vanotenga zvikamu zvehurukuro yezvikwama ivo pachavo zvikamu zvezvikwata mumazana, mazana, kana kunyange zviuru zvekambani dzakasiyana nenzira imwe neimwe.
Mumwe munhu anotsvaga muhurukuro anonyanya kutaura achiti, "Ndinoziva kuti ndichashayikwa naWal-Mart uye McDonald's yenyika, asi ini ndichadzivirirawo Enron's uye Worldcom's yenyika. kuva mutevedzeri wemugove .. Chinangwa changu chete ndekuwana mari yakakwana yekudzoka pamari yangu saka ichakura nekufamba kwenguva.
Handidi kuverenga mhete yegore negore uye 10Ks , uye ini zvirokwazvo handidi kutarisira mberi mari uye kubhadhara. "
Kunyatsotaura, 50% yematokari inofanira kunge iri pasi pevhareji uye 50% yematokari inofanira kunge iri pamusoro pevhareji. Ichi ndechikonzero nei vazhinji vakanyora index index investors vanofarira zvikuru passive index fund investing. Havafaniri kupedza maawa mashomanana gore rega rega vachitarisa pamusoro pepapoti yavo. Kunyange zvazvo mutengesi wemabhizimisi mumakambani ega ega achida kuziva nezvebhizimisi rekambani, chirevo chekuwana mari , bhadharo , mari yehutano, hurongwa, hutungamiri, nezvimwe.
Kunyangwe iwe chete uye iwe unokwanisa kugadzirisa zvemari unogona kusarudza kuti ndeipi nzira yakanakisisa uye yakakodzera pane yako mamiriro ezvinhu, sekutonga kwemazuva ose, mari yekuisa mari yekutsvaga mari iri nani kudarika kuisa muzvikwereti chimwechete nokuti inochengetedza mari shoma, inobvisa chido chekugara uchidzidza mari zvinyorwa kubva kumakambani, uye zvinowanzoitika pakuva "muvhareji", iyo inofanirwa kurega kukanganisa mari yako yakaoma yakawanikwa mumari yakaipa.