Usaita Kuisa Mari Dzakaoma Kupfuura Zvayo
Pasinei nokuti zano rakadaro rakapetwa kakawanda, chizvarwa nechizvarwa, pane chimwe chinhu chiri muhupenyu hwevanhu chinoita kuti vanhu vade kunzwa sokuti vakawana imwe sirivha.
Warren Buffett akambotaura kuti pakanga pasina kudikanwa kwehupirisita kana vanhu vakafunga kuti mirairo gumi ndiyo yose yaidiwa kuti urarame hupenyu hwako. Vamwe vatengesi vanoda kuoma; chichida, kunyange. Pane chimwe chinhu chakadzika mukati mepfungwa dzavo dzinonzwa kuti dzinokosha, nhengo yekambani, apo inoratidzwa nezviratidzo zvakavanzika, kufambisa maoko kunofadza, zvinyorwa zvakasiyana-siyana, uye chinhu chetsvene. Somugumisiro, zvakawanda zvekusaziva zvinobudiswa munyika.
Haisi pangozi iyo mashizha ose anovaka zvakapoteredza kuvhiringidzika uye kuvhiringidzika, achipa vaprista vakuru vekuraira kwakanakira mukana wekuita mari yakawanda pamutengo wevamwe. Ichokwadi, nepo unyanzvi hunodiwa kuti uite zvisarudzo zvine njere zvinogona kutora makore kuti uwane, nyaya inokosha yakananga: Tenga uridzi hwemabhizimisi akanaka (mashizha) kana mari yezvikwereti kune zvikwereti zvakanaka (zvisungo), kuripa mutengo wakakwana kuti uone zvekudzoka kunogutsa kunyange kana zvinhu zvisingaiti zvakanaka zvikuru (marita ekuchengeteka), uye wozozvipa iwe nguva refu yakakwana yakakwana ( panguva yakakwana, makore mashanu ) kukwira kunze kwekutsvaga.
Ndizvo. Icho ndicho chakavanzika. Izvozvo zviri nyore kuisa mari yekugadzirisa zvinhu zvose zvinotora kuvaka chimiro chaunofanira kuunganidza hupfumi . Zvechokwadi, mashoko acho angave akaoma, asi kushanda hakufaniri kuva. Mutevedzeri wevatengesi haana bhizimusi kutenga bhizimusi rekutsinhanisa yekutengeserana mari , kushandiswa kwekambani , kana kufungidzira nezvitora zvakadai sekusarudza zvigadzirwa.
Migumisiro yekutora icho chakaipa yakanyanya kuoma. Iyo yakanakisisa, kana inorwadza, mufananidzo: Ichangobva kuitika, pane bhuku rangu rega, ndakaita nyaya yenyaya yemurume wemabhizimisi wechidiki ane makore 32 muArizona uyo aiva ne $ 37,000 mudhipatimendi rekubhadhara paE-Trade. Akatora chinzvimbo chaakange asinganzwisisi kana njodzi dzaakanyatsokoshesa uye akamuka kuti awane kuti akanga aita kurasikirwa kwe $ 144,405.31 munhoroondo yake. Mushure mokunge arasikirwa nehutano hwake hwose, iye zvino ane chikwereti chekambani yake yekutengesa $ 106,445.56 pamusana wekutumira. Icho icho chikwereti chaicho chinogona kuguma naiye kuzivisa kubhadhara kana asingagoni kuwana nzira yekugutsa mhaka.
Kunyange apo vatengesi vanoomerera pamatengo, kusungirwa, uye mutual fund ivo pachavo, kuramba kwavo kushandiswa kwemari kusinganzwisisiki zvakadai sekutsvaga kwekutsvaga migumisiro mumitambo yepathetic pamari yavo. Maererano neimwe chidzidzo ndakaverenga kubva pakutsvakurudza kwakaitwa Morningstar, panguva iyo misika yemabhizimisi yakadzoka 9% yakawanda gore negore , muvhareji wevatengesi vemari akawana 3% chete. Chikamu chekusawirirana kwacho kwaifanira kutengeswa panguva yekutengesa nekutenga panguva dzechibharo, chikamu chazvo chaiva nechokuita nekukanganiswa kwezvinhu zvakadai sekubhadhara mishonga, kubhadhara mari yepamusoro , uye kupararira, uye chikamu chayo chaive chikonzero chekutora ngozi yakawanda kuisa mari muzvinhu zvisinganzwisisiki.
Zvizhinji zvezviito izvi zvinotungamirirwa nevashambadziri vachiedza kuva pamusoro pevhare pane kugadzirisa kuchengetedza kwavo kuchengetedza zvinangwa zvavo pachavo uye vachifara nemigumisiro. Panzvimbo yekugutsikana nekukura zvishoma nezvishoma gore negore sezvo zvikamu zvavo uye chikamu chinowanikwa, vanoedza kurova gomba-mune-rimwe, zvichikuvadza guta ravo nekurasika kukuru.
Apo Inosvika Pakutenga Kwako, Zvishoma Zvakawanda
Iyi injodzi nokuti, munzira dzakawanda, kuisa mari inzvimbo iyo mitsara yakakurumbira, "Zvishoma Nezvakawanda" uye " Ramba Izvo Zvisiri, Ibenzi " rinonyatsoitika. Mumwe mubhadhati uyo akapedza basa rake rose makore 40 nguva dzose achichengetedza mari uye achiiisa kuti ishande kupatsanurana pamwe chete pakati pemari shoma inoshandiswa mari uye mari inodhura midzi yemari yezvikwata ingadai yakanyatsozviitira iye nemhuri yake.
Zvakawanda zvekuita izvi zvingave zvakaguma nemari inenge isiripo yakadai sekubatanidza mari yekubhadhara mari iyo yaizodhabhadhara, iyo inogona kunge yakave iri pasi pe2,55% pagore. Zvimwewo, kushanda nekambani yepamusoro-soro yekambani yekuchengetedza iyo iyo yaisabhadhara mari inopfuura 1,50% mugore negore mumitambo yekufambisa asi iyo yakapa basa rechena-glove rakagadzirisa mitero yakazara, nzvimbo, uye hurongwa hwehupfumi, zvingave zvakakwanisa kuzadzikisa kuzvimiririra kwezvemari uye hupfumi hwakawanda huzhinji hukuru nokukurumidza.
Sei vasina mari vakawanda vachigadzirisa kana kuswedera? Nemhaka yokuti maitiro aya anogona kuva asina kunaka. Ngationgororei nyaya yemurimi aida mari yekugoverwa kwematokisi, zvisungo, uye zvivako. Nhengo yake yose inogona kunge inosanganisira mitatu yemari pamwe chete kunyange zvisingaenzaniswi, yaive nemapazana emari. S & P 500 fund chete inobata Microsoft, ExxonMobil, Apple, Wells Fargo, Berkshire Hathaway, American Express, General Electric, Procter & Gamble, Colgate-Palmolive, McDonald's, uye mamwe mashomanana 490!
- Vanguard S & P 500 Index Fund (Chikwangwani Chiratidzo: VFINX)
- Vanguard Mukati Mutengo Mutero-Kununurwa Bond Fund (Chikoro Chiratidzo: VWITX)
- Vanguard REIT Index (Ticker Symbol: VGSIX)
Kuramba ichi chikwata chaizova nemufaro wose wekuzadza mafurisi. Iwe unenge uine $ 100, kana $ 500, kana $ 1 000 kana chipi zvacho chaunoda uchidzoka kubva kubhangi mwedzi woga woga uye wakaparadzaniswa zvakafanana mumatatu emari pamwe chete. Nokudzorera zvikwereti, ruzivo rwemari, uye mari inowanikwa muhutano hwebasa rose rekushanda kwemakore makumi mana, rinenge riri chokwadi chechokwadi, kana zvimwe zvinhu zvakadaro zvichibvira munyika isingazivikanwi, kuti iyo chikwata cheporofiti chinogona kubvisa mamiriyoni emadhora muzvinhu zvichienderana nesimba rekuwedzera . Zvose izvo zvaizodiwa zvinenge zvisingateereri zvinyorwa zvenyaya kuitira kuti urege kutya nekusadzivirirwa kwemadonhwe makumi mashanu ematengesi ematengo anoitika nguva nenguva.
Zvimwewo, dai mubhadhari aenda nenzira yega yevashandi, angave akashanda pamwe nenyanzvi yekuvaka kero yakagadzirirwa pane imwe neimwe ; rudzi rweRolls Royce rwehupfumi hwemabhizimisi ekushanda, kunyange isiri iyo inowanikwa kune vashandi vakawanda (mahofisi makuru ezvo anopa chinhu chakadai zvinoda kuti zviyero zvekuzarura zvinenge pakati pe $ 500,000 kusvika ku $ 10 000 000 muzvinhu zvinotengeswa). Munguva yakapfuura, ndakarondedzera nhau pamusoro peimwe nzira iyo yakagadzirirwa kusvika kubudirira kuburikidza nokutora nzira iyi inowirirana nehurukuro yedu yazvino kuitira kuti ndidzoke zvakare pano.
Makore akawanda apfuura, ndakanga ndichinge ndichinge ndichinge ndive nemuongorori pane imwe yekanakisisa, inonyanya kuchengetedza, inonyanya kuremekedzwa makambani ekuchengetedza mararamiro munyika. Inyika yaro yakanga yakafanana neraibhurari; iri kure kure nemufananidzo weWall Street iwe unogona kufungidzira sevanhu vashomanana chete vakashanda muhofisi vachitarisira mabhiriyoni emadhora emadhora kune vatengi, avo vose vane mamiriyoni mazhinji; vatariri, vhizimisi vemabhizimisi, vanofarirwa, vagari venhaka. Mukutsinhanisa nekuda kwebasa ravo, iyi yakasimba inokwereta mari inenge inenge 1.5% pagore. Yakaita mari yakawanda kumhuri dzakawanda, uye mumazhinji, zvizvarwa zvakawanda zvemhuri; varume, vakadzi, vana, vakomana, vazukuru, vazukuru, avo vose vari kurarama kubva kune zvikwereti, chido, uye zvikwereti zvezvikwidziro zvakavakwa zvakanaka vatungamiri vatungamiri vakavakira ivo. Izvozvo zvinonakidza iwe hauna kumbonzwa zita ravo. Izvi zvakasikwa.
Mumwe mutengi, murume wavakanga vaita mari yakawandisa kwenguva yakareba, vakanga vasingachashiviriri nekuchengetedza kwavo panguva ye dot-com boom. Akatarisa shamwari dzake dzinoita 20%, 30% + gore, gore negore, kubhejera paIndaneti mashizha asina mari, pasina vatengi, uye hapana chirongwa chebhizimisi chisingagadziriswi. Izvi zvakasimba zvakaramba kubatanidzwa. Yaiva nenhoroondo yakareba yakadzokera kumashure mazuva ekutanga kuDambudziko Rokuputsika. Iyo yakasimba tsika yakanga yakazara mupfungwa yokuti kana mutengi aive akapfuma, chinangwa chaiva chokuchengeta muchengeti ave akapfuma pakutanga uye zvakanyanya; kudzoka kwaiva kwechipiri. Somugumisiro, nepo S & P 500 index index, mari inoshandiswa mutual funds, uye vashandi vanoita zvepasi rose vakaisa zvikwata zvavo nemarara, havana kuita. Vakagara pamabhodhoro ebhuruu akadai saJohnson & Johnson, vachitsigira huwandu hwemakore akawanda semakero emari akavakwa, achimirira kuendeswa kamwechete mukana wakangwara wakabuda pfupi.
Mutengi akazopedzisira atsamwa. Akadana, akatsamwa achida kutaura kune mutungamiriri mukuru. Apo paakawana imwe pafoni, akadanidzira chimwe chinhu pamiganhu yekuti, "Ndiripi gehena ndiri kukubhadhara iwe mari yakawanda gore negore kuti uite kune uko?" Ipapoti yangu yepamusoro haisi yekutengesa. Hausi kutenga kana kutengesa chero chinhu. Munhu wose ari kuita mari uye iwe wakamirira kudzoka kwaElvis. "
Mutungamiri mukuru, paakaona chinhu chakadai chisati chaitika munguva dzema1960 kuenda-nguva yekufamba, akadzikama akanyarara mumitsetse yekuti, "Iwe unotipikira isu nekuda kwezano redu." Zano redu: Endai munotamba gorofu.Tichazotenga chimwe chinhu chatinoziva chakakosha Zvimwe chete nokuti vamwe vanhu vari kuita izvi Hatisi kushandisa mari pamusana pekuda kufanana nevezera rako asi zvinokosha.Nye dzimwe nguva, iwe unotibhadharira kuti tidzivirire kubva pane iwe pachako zvakashata. "
Ichokwadi, akanga akarurama. Handina hanya kana munhu akadaro akanganisa akabuda kunze (yakatevera nhoroondo ingaratidza kuti ingadai yakave chikanganiso chakakosha chakanga chaita saizvozvo) asi vamwe vanhu, nokuda kwechikonzero chipi nechipi, vasina simba kana simba rokufunga kwenguva refu uye zvibata zvakangwara. Vanonzwa kudiwa kwokugara vachiita chimwe chinhu. Kuisa mari nyore nyore kunobatsira zvikuru. Usambokanganwa izvozvo.