Zvidzidzo kubva kune imwe yeAmerica yakawanda Yakagadzirirwa Chakavanzika Kuwana Millionaires
Zvichienderana nezvinoitika nemamiriro ezvinhu angave, nguva yakareba yehuyo inotarisa patsika shoma, kukwana mari, uye kubhadhara mitero, kutarisa zvinhu zvakadai sematengesi nguva uye kuisa pfungwa pane zvinokosha pane.
Anne Scheiber, kunyanya, yaiva imwe yezvidzidzo zvangu zvokutanga. Nyaya yake inokurudzira uye yakakodzera kubudisa kana iwe uchida kuzvimiririra mune zvemari . Ndinoda kutarisa chimwe chechidzidzo chekutsvaga mari chatinokwanisa kubvisa kubva pane zvaanoita; kuti aone kuti nguva yakareba yakawandisa, masarudzo akangwara, uye chido chekuisa mubasa kunogona kuita kuti hurumende ibudirire Kune ani zvake ane makore makumi emakore ekutarisira kweupenyu achiri mberi kwavo (uye kunyange avo vasina asi vanoda tanga nzira yekugadzirisa yevana vavo, vazukuru, kana dzimwe vagari venhaka), Scheiber inokosha kupfuura kungotarisa Tora rwendo neni zvakare munguva kuti tione kuti mukadzi uyu anoshamisa akavaka sei mari yake yekuisa mari.
Kutanga Rwendo Rwake kune Multi-Millionaire Status ne Small Savings uye Pension
Mumakore ekuma1940, Scheiber akazviwanira pamba. Akanga agere pa $ 5,000 muhomwe yemari yaakachengetedza. Aivawo nehomwe ye $ 3, 150. Anne akanga apiswa nevatengesi vemabhiza muma1930, naizvozvo akasarudza kusambovimba nomunhu chero upi noupi nokuda kweramangwana rake remari.
Pane kudaro, akapiwa chokwadi chaakange asina chacho asi nguva uye aisafanira kunetseka nezvekuwana basa, akasarudza kuisa unyanzvi hwokuongorora hwaakadzidza ku IRS kushanda. Akatanga kutarisa makambani aida kuva nawo; makambani aifunga kuti aigona kuramba achiita mari uye achibhadhara zvikwereti sezvaaifambira mberi. Achienda mumishumo yegore negore , aizodzokorora zvinyorwa zvekuwana uye averengere mashizha mapeji . Akashandisa guta rake guru uye mari inoyerera, akatanga kutora nzvimbo, achikura iye oga gore negore, achimutarisa mari yekushambadzira ichiwedzera.
Munguva yemakore makumi maviri nemakumi mashanu yakatevera chisarudzo chake chekutanga kutarisira mari kusvika pakufa kwake, Scheiber akashanda kubva muimba yake duku muNew York City. Kusvika kumagumo ehupenyu hwake, akanyarara runyararo kuti ave nehupfumi hwake, hwakanga hwabukira pasinei nehuputi uye mabhasi, hondo uye rugare, uye marudzi ose ehupenyu hwekuchinja hunofungidzirwa, kuti apiwe kuYunivhesiti Yunivhesiti, mari yakatsaurirwa kugadziriswa yakagadzirirwa kubatsira kutsigira vakadzi vakakodzera. Chipo chakauya sekutya-hapana munhu aiziva kuti aiva nemhando yemari yaakaita, uye kuti akanga achida kuzvipa kure nekuzvipira.
Chakavanzika chekushandisa mari yaAnn Scheiber chakadzika kusvika kumatanhatu ekutanga.
1. Kuzviitira Kuzvipira Kuongorora nekutsvaga Zvinhu Zvaainzwisisa
Akanga ane ruzivo, ruzivo, nguva, uye chido chekuongorora hupfumi hwepasi yematokisi , zvisungo , nezvimwe zvinhu. Izvi zvakamupa runyararo rwepfungwa apo misika yakagumburwa - uye paiva nenguva dzakawanda pamusoro pemabasa ake ekutsvaga mari apo masisitendi akadonha ne 33% kusvika 50% - nokuti aiziva zvaaiva nazvo uye kuti nei aive nazvo; akanzwisisa kuti mari yekubhadhara uye mari yakabuda sei uye kuti, maererano nemutengo waaibhadhara, iye aive achigona kuwana mugumisiro unogutsa kana akabata pasinei nokuti yakaipa sei panguva iyoyo.
2. Kutenga Kugoverwa Kwemhando dzeMakambani Akanakisisa Kunyange Kana Vaifarira Boring
Vashandi vanowanzobatwa mufashoni nguva dzose seicho chaiyo seya inopedza tsika yeParisiti yakakwirira. Chero maitiro ayo chaiwo emakambani, akadai semagetsi emagetsi emarudzi akawanda akapfuura, kana marudzi akasiyana emagadzirirwo, akadai seportfolio yunivhesiti muma1980 kana kuti kuratidza mari nhasi, Scheiber haasi mumwe wekutsvaga muchitendero chenyika.
Kunyomba kwake? Iye, panzvimbo pacho, akatarisa pane chinhu chaaiziva chingamuita kuti ave nemafumi: Gore roga roga, aida kuva nehuwandu hwehutanda hwake mumakambani akasiyana-siyana emakambani anoshamisa aakatumira mari yakawanda kwaari semuzinda wepamusoro nepamusoro unowedzera. Izvi zvaireva kuisa chikamu chikuru chemari yake mubhuruu-chip stocks . Kunyange zvazvo zvingangodaro zvave zvisiri zvenhema, uchapupu hwaiva murevo yepudding. Kuda kwake kuzvifunga zvakasununguka kubva kuvanhu vazhinji kwaive chimwe chezvinhu zvaaipenya zvakajeka. Pasina iyo, hatidi kutaura naye iye zvino.
Nhasi, mabhizinesi aya anoshamisa anowanzonyombwa se "guru" kana "chirikadzi" makambani pasinei nokuti, kwenguva refu, vanofarira kupwanya S & P 500 yakawanda nekuda kwekukwikwidza kwavo kwakakura uye kubhadhara kwakakwirira pamari . Ivo mabhizimisi akaita saColgate-Palmolive naJohnson & Johnson. Mumakore apo zvinhu zvakadai sezvikwata zvemhepo zvinenge zvichitsvaira, zvichikwevera kumusoro iyo yakawandisa index inodzokera mune izvo zvichange zvisingatauri kuva imwe yeruzhinji yemakore ekupedzisira kubva ikozvino, vanosiyiwa kumashure. Asi kunyanya gore rimwe chete, makore matatu, uye makore mashanu anodzoka uye anotanga kutarisa makore gumi, makore gumi nemashanu, makore makumi maviri nemashanu kana kupfuura uye nguva dzose dzisingatongogumiridzo dzemari dzinoratidzika mune zvakakosha zvakakosha apo ichipa kudzivirirwa panguva yekudzoka uye kuderedza . Akaunganidza huni uye akarega dzidzo.
3. Kuwana Zvikwereti, Kubvumira Mari Yake Kuita Pamusoro Payo Zvokukurumidza
Sezvo zvikwereti zvake zvaiwedzera, Anne akavarima zvakare kuti vatenge mamwe masangano kuitira kuti ivo, zvakare, vagone kupa zvikwereti zvakawanda zvavo. Kugoverwa pane zvikamu pane zvikwereti, kuda kwake kuposera mari kudzorera muhomwe yake, nguva dzose kuwedzera kune zvakasiyana-siyana zvekusungirirwa kweimba yake yakamubvumira kwete kungochera ngozi kuburikidza nekumuparadzira mari kubva kune dzimwe firms, yakakurudzira chikamu chake chekuwedzera kwegore. Kuti uone kuti zvikwereti zvakaparidzirwa zvakagadziriswa zvinowanikwa sei zvinogona kuva, tarisa nyaya iyi yenyaya yekuongorora yeThe Coca-Cola Company .
Chimwe chezvakakanganisika zvikuru kune vashandi vezvemhizha uye vanoita zvekutambira ndezvekuti vanoisa pfungwa pane kuchinja mumusika wemari kana kuti mutengo wemugove chete. Nekambani yakakura, makambani akachengeteka, chikamu chakanyanya chezvibereko chinodzorerwa kune vagoveri vari mukana wemari inowanikwa . Izvi zvinoreva kuti iwe haugone kuenzanisa pfuma yepamusoro yakagadzirwa kune vashandi nekuona kuwedzera mumutengo wematengo. Iwe unofanirwa kuisa pfungwa pane chimwe chinhu chinonzi kudzoka kwese .
Nhengo yemapurofesa wezvemari, Jeremy Siegel, akadanwa kuti " reinvested dividends " ye "bear market protector" uye "return accelerator" sezvavanokubvumira kuti utenge zvimwe zvikamu zvekambani kana magetsi achiparara. Nokufamba kwenguva, izvi zvinowedzera kuwedzera kwehutano hwako mukambani uye zvikamu zvaunowana sezvo zvikamu izvi zvichibhadhara zvikamu; ihwo hutano hwakanaka. Muzviitiko zvakawanda, mari kana kuti mari yekubhadhara zvikwereti zvingasununguka kana mazita mashomanana madhora. Izvi zvinoreva kuti zvakawanda zvekudzoka kwako zvinowedzera kuwedzera uye zvishoma kusvika pakugadzirisa mari .
Iwe haufaniri kudzorera zvikamu zvako, hongu. Ichokwadi, pangave pane mamiriro ezvinhu apo iwe unowedzera kushandiswa nekurarama kubva pane zvikamu zvako, uchifarira nguva yako nekurega chikamu chako chepodotiki zvishoma nezvishoma. Mushure mezvose, chii chinangwa chokuve nemari yakawanda kumagumo ehupenyu kana iwe usina kupedza hupenyu hwako kuita zvaunoda? Chinokosha ndechekuyeuka chimwe chinhu chandakakuudza kakawanda pamusoro pemakore gumi nemakumi apfuura: Mari ndiro chinhu. Hapana chimwe. Hapana chinhu chiduku. Iko kune yekushandira iwe; kuti ikubatsire kuwana hupenyu hwaunoda. Shingairira kuti ikushandirei. Usashumira iyo.
4. Hasi Kutya Nhaka yeAfa uye Kushandisa Mazano Kubatsira Kwake
Maererano nemamwe mabhuku, Anne Scheiber akafa nemakumi matanhatu emari yemari yake inotengeswa mumatanda, 30% muzvisungo, uye 10% mumari. (Vazhinji varairimi vane tsika yekurega kuchengetedza mari yakakwana mumapatoti awo .) Kune avo vasina kuziva nezvekugadzirisa mazairo , pfungwa huru ndeyokuti kuchenjera kune vasiri vashandi vekuchengeta mari yavo pakati pemhando dzakasiyana dzedzivimbiso dzakadai sematokisi, zvisungo, mutual funds, nyika dzakawanda, mari, uye dzimba. Chinhu chakanaka ndechekuti kuchinja mune imwe musika hakuzomboperi kuburikidza nemutero wako wose unokosha.
Mutengesi wemagariro uye anofungidzira Benjamin Graham aitsigira varairidzi vaaitaura se "kudzivirira", zvinoreva ani zvake akanga asiri nyanzvi, asingachengetedzi pasi pe25% yepodfolio yemari muzvikwata kana zvisungo panguva ipi zvayo. Ndiri mufambisi wekutaura kwakadaro sezvo ndaona vanhu vakawanda vasina ruzivo uye vakadzi vachienda 100% kuenzana panguva yakaipisisa nguva, apo nyika inotaridzika, denga rine bhuruu, uye mari yekambani iri kukura chete kutengesa kana iyo inotevera yezvemari maelstrom rages, inopinda mu 100% zvisungo pazvinenge zvisina kunyatsonaka.
Ratidza zvaunoda kugovera nhaka yako uye unamatira. Nyora mubhuku rako rekutsvaga mari. Usaedza kuedza kusvika kune izvo zvinotyisa zvinogadzirisa. Kunyange mumwe munhu akafanana nemabhiriyoniyoni Warren Buffett anotora mutsara wakaoma mujecha kana zvichiuya kune dzimwe nzira dzekugovera. Semuenzaniso, haazobvumi kuti kambani yake , Berkshire Hathaway, ipe pasi pe $ 20 biliyoni mu-maoko emari.
5. Kuwedzera Kuda Mari Yake Nguva dzose
Kunze kwekuti iwe uri kurarama pamucheto weurombo hwakanyanya, pane pasina chikonzero chekushandisa yako yose paycheck. Pasinei nokuti uri kuunganidza mari yepenjeni, kugamuchira Social Security, kana kuti kushanda basa remaawa ega sekuti urambe wakabatikana, edzai kushanda zvakasara kuitira kuti iwe uwedzere zvishoma pane zvakachengetwa, kunyange iwe uchida kuipa kure kune mumwe munhu. Kune chimwe chinhu chakakosha pamusoro pekudzidzisa chii chakakosha munyori Napoleon Hill inonzi "tsika yekuchengetedza". Nokuzviita iwe kurarama mukati mehutano hwako, uye kutarisa kune zvehupfumi hwako, unogona kubvisa zvakawanda zvekunetseka paunenge uchinge uchinge uchinge wakagadzira zvinhu zvako zvinoshamisa nokukurumidza.
6. Kubvumira Mutengo Waro Wekutsvaga Mari Kwemakore Makore Anopfuura Imazana
Izvo zvataurwa kuti nguva ndeye shamwari yebhizimisi rakanaka. Kana uchinge wakabata zvinhu zvakanaka, ruzhinji rwechido chinogona kushandisa magic. Nguva yakakosha yemari inotanga kushanda uye migumisiro inowanzova yakasara-kudonha. Kunyangwe zviri nani, kuwedzera kwaunofamba iwe munguva, yekuti crazier zvinoguma. Funga kuti imwechete $ 100 yemari inowanikwa kwemakore makumi matatu nemakumi matatu pagore yaizokwira kusvika $ 1,745. Mumakore makumi mana, ingadai yakasvibira mu $ 4,526. Wedzera mamwe gumi mukumagumo, uchiitora kusvika kumakore makumi mashanu, uye pakarepo, iyo $ 100 bill inokura kusvika $ 11,739. Ita makore 60 uye iwe uwane $ 30448. Isa imwe nzira, mutori wemakore makumi matanhatu nemakore makumi matanhatu nemashanu (60%) wehupfumi hwake hunowanikwa mumakore gumi ekupedzisira, izvo zvaireva 16,7% yenguva yekubata.
Kune imwe nguva, kune chimwe chinhu chebhati rinobatanidzwa pano. Chinhu chakanakisisa chaunogona kuita mumambure ako akakodzera ndeyekuti 1.) kutanga kuwedzeredza kare, 2.) shandisa misha yemitero kunobatsira, uye 3.) kurarama kwenguva refu, kwenguva refu. Musiyano pakati pomumwe munhu anofa pa65 ne95 uri mukuru. Ive makore makumi matatu anopfuura pamusoro pehupenyu hunobereka zvibereko, izvo zvinoita kuti zvikwereti zvepodfolio zvipinde mune imwe nzvimbo inotora minda. Kuzvichengeta iwe pachako, kuvhara makoriro ako kuitira kuti iwe usati uwedzere kudarika, uchidzidzira nguva dzose, unoshanyira chiremba kwekuda kwekupeta gore negore, kutarisira mazino ako, kurara pane imwe nguva yakarongeka, kuderedza kushungurudzika kubva muupenyu hwako ... kunze kwekupedza iwe kuti ufare uye unzwe zviri nani, izvi ndezvimwe zvezvinhu zvinokosha pane zvaunofunga iwe kana iwe uchida kuva mubhadhari mukuru.
Kuti udzidze zvakawanda pamusoro pesimba rekugadzirisa, sora Pay yekurega basa ne Cup of Coffee uye Egg McMuffin . Nenguva shoma shoma, nguva inogona kuchinja kunyange zvikamu zviduku zvishoma kune pfuma yakaisvonaka.
Pfungwa dzekupedzisira Pamusana Pakuwedzera Zvakanakisisa zveAin Sche Sche's Investing Strategy
Chinhu chikuru pamusoro pe Anne Anneibers wenyika ndechokuti havasi zvose zvakasiyana, zvisinei kwete muUnited States. Haitori genius-level IQ, mhuri yakapfuma, kana ruzivo rwakakura rwekuvaka matongerwo ematambudziko, akawanda-ehupfumi anokwanisa kuchinja hupenyu hwako. Pane kudaro, ndezvekutora mavoko pamusoro pehupfumi hwehupfumi - hutano hunoiswa mufemu dzinowedzera mari yakawanda kwauri - uye inoita kuti vaite chinhu chavo. Izvo nezvekugadzirisa nyaya yako yemari nekuchenjera kuitira kuti njodzi imwechete kana kukanganisa kwemari yezvikwata isingakukuvadze pasinei nokuti yakaipa sei pamapepanhau. Zviri pamusoro pekuziva zvikwereti uye kuderedza zvese zvaunokwanisa.
Mune mamwe mazwi, hazvirevi zvakawanda zvokusimudza zvinorema. Pane kudaro, uri kubata simba rezvakasikwa; chimwe chinhu chakasikwa kuzvinhu zvose pachako uye kubatsirwa nacho. Vashandi vanoita kuti zvive zvakaoma kupfuura zvazviri.