15/50 Stock Rule Inobatsira Vashandi Vanokonzera Kuenzanisa Pakati Pengozi uye Mubayiro
Ndeipi nzira yakanakisisa yekuti mutengesi wepakati pega wega aenzanise dambudziko pamwe nekugona mubairo?
Kwemakore, vadzidzisi vezvemari vakapindura, "Ita Zuva Rako muBonds."
Ita Zera Rako muBonds (OYAIB) inotaura kuti chikamu chezvisungo mumapatoti ako anofanirwa kuenzana nemakore ako. Kana iwe uri 25, 25% chete yemari yako inofanira kuva muzvisungo. Kana iwe uri makumi matanhatu, makumi matanhatu kubva muzana yezvinhu zvako zvinofanira kuva zvisungo. OYAIB inobva pakufunga kuti sezvatinoswedera pedyo nekurasikirwa, tinoda kudzorera kuwedzera kwekukwanisa uye pangozi yematokisi nehuwandu hwekufungidzira kwehutano hwehutano.
Zvichipa kuchinja mune inharaunda yekutsvaga, ndinofunga inguva yekutungamira mutsva mutsva wokutora OYAIB.
OYAIB yave isinganyanyi kukosha nhasi nehukuru hunochinja huchiitika mumusika wezvisungo. Sezvo chido chezvibereko chinowira, zvisungo zvinoenda. Nhasi, mushure memazana emakore makumi matatu ekuderera kwepasi, nhamba yekutora yakatanga kufamba zvishoma nezvishoma kubva panguva dzose. Kufarira maitiro emitambo iyo famously zvakaoma kufanotaura, asi tinogona kunge tiri mumakore makumi maviri kana makumi matatu ekukwira zvishoma nezvishoma. Izvozvo zvinoreva kuti 8 kubva muzana gore rezvekudzoka izvo zvibvumirano zvakavepo kubvira muna 1976 zvingave zvisingaiti.
Uye funga nezvemazuva akawanda eupenyu. Hazvisi zvisinganzwisisike nhasi kuti mumwe munhu abhadhara makore 25 kana makumi matatu. Kubhadhara kwemakore iwayo zvichida kuti iwe uwane ngozi yakawanda mukurasira kupfuura vabereki vako. Izvozvo zvinoreva kuva nematokisi akawanda, ayo anopa mukana wekukura nekukwirira kusingagumi.
Kana iwe unenge uine huwandu husinganzwisisiki hwekutsungirira, teerera pamusoro peOYAIB uye shandisa izvo zvandinonzi 15/50 Stock Rule.
Kana iwe uchitenda iwe une makore anopfuura gumi pasi pano, chikwereti chako chinofanira kunge chinosvika makumi mashanu kubva muzana mumatokari, pamwe chete nemari yakasara muzvisungo nemari. Iyi nzira inokubatsira kuti urambe uchienzanisa pakati pengozi nemubairo.
Icho hachisi chaicho pfungwa itsva. Ita 50/50 yemapuritori pfungwa yakave yakapoteredza makumi emakore.
Columbia Purofesa Wezvokuchengetedzwa Kwemabhizimisi Benjamin Graham, uyo aiva mupepi weWarren Buffet, akakurudzira huchenjeri uhwu, saVanguard muvambi John Bogle.
Nzvimbo dziri mu 15/50 yako yemapatoti inogona kuva yegoveri-vanobhadhara (zvandinoda) kana kukura kwezvikwata. Cherechedza zvaunenge uchigovera zvakanyanya uye ugoita zvekuita sezvinodiwa kuti udzivise mashizha kubva kunyura kunze kwe50 percent mark. Sezvo Benjamin Graham akatsanangura, "Kana kuchinja mumatengo emusika kwakasimudza chikamu-chekugovana, kutaura, 55 muzana chikamu chinogona kudzorerwa nekutengeswa kwegumi nemasere ematorotikoti uye kushandiswa kwemari yezvisungo. Ukuwo, kudonha muzvikamu zvinowanikwa pamwe chete kusvika kune 45 muzana kunoshevedza kushandiswa kwechimwe chegumi nechegumi chechikwama chekutengesa kutenga zvimwe zvikwereti. "
A 15/50 Stock Rule chikwereti chinoda kushivirira kune ngozi kune imwe inobva kuOYAIB, zvikuru kana iwe uri mumakore makumi manomwe. Asi nokuda kwezvikonzero zvandakarondedzera, ndinotenda ihwo huzivi hunopa hutano hwakanaka hwekukwirirana nekukomborera iye zvino uye mumakore anotevera.