Kutakura Makemikari Ndeyewo, Kazhinji Achaitika, Dzidza Kuita Nezvo
Havana kungoona chete mari yavo isati yawanikwa isati yawedzerwa gore rimwe nerimwe raipfuura, vainakidzwa nekudengenyeka kwezvikwereti zvakashanduka zvakashandurwa kare zvakapfuma- chikamu chikamu chinowedzera mubhadharo chaicho chaicho. Zvaiva, kuisa pachena, imwe yekanakisisa, nguva dzakanyanya kuwanda yekufuma muzvizvarwa.
Vanhu vakawanda vakaita. Izvi zvaive zvakanyatsoitika kune vadzidzisi veimba yepamambo yebhupuru chips . Funga kuti pamusoro pemakore matanhatu apfuura kana manomwe, zita guru, zita re mega-capitali yemusika wekutengesa rakabudisa mari inokonzerwa nemhepo inoshandiswa iyo isingawanzoonekwi. Vaparidzi vaJohnson & Johnson vakatarisa chikamu chavo chekubhadhara chikamu chinokwana 55%; Coca-Cola 61%; Clorox 64%; McDonald's 66%; Exxon Mobil 76%; Colgate-Palmolive 77%; Hheshey 96%; Musha Dheti 162%. Starbucks, iyo yakakura yekakani yepasi pose, yakabva pakubhadhara chikamu chero chipi zvacho kutanga imwe. Kubvira pakatanga nguva yekuyera, iwe ungadai wakagamuchira zvikamu makumi maviri nezana zvezana rako rose rakabhadharwa zvakare muchimiro chezvikamu zvakasiyana-siyana zvaunogona kuparadzanisa kune imwe nzvimbo, kupedza, chipo kune rudo, kana kuita zvimwe zvaunoda (izvi zvinotora iwe kutora iyo yepamusoro uye yakaderera mutengo yakatarwa gore iroro uye kuenzanisa ivo pamwe chete, vasingakupii chikuru kana chinotyisa kupinda muhope kune avo vaivepo nokuda kwemavhiki 52).
Kuwedzera kune chokwadi ichocho chakanakisisa, iwe zvino unenge uchiunganidza mari yekutengesa-pa-yekutanga mari ye 9.1% (kana iwe uchigadzirisa chikamu "rebates", inopfuura 12,2% pamutengo wematare wawakaisa mu danda).
Izvo hazvisi zvirwere kana zvipfeko, izvo zvinoratidzira zvechiitiko chakakosha vatenzi vave nacho kuburikidza nekutsvaga mumusika wekutengeswa kwemakore akawanda ekupedzisira.
Icho chirevo chekare kana nguva. Pane chirevo chekare paWall Street kubva panguva yazvino-yakangoitika: "Musika wekutengesa unokwira rusvingo rwekufunganya." Kuburikidza nehuwandu hwemaoko, kushungurudza, kuzvidya mwoyo, nekutya kwakaunzwa nemusoro pamusoro pezvinhu zvose kubva kune nhamba dzisina basa kusvikira kune chikwereti chenyika, purogiramu yekambani yakaramba ichizadza. Izvo zvikwereti - iyo ndiyo nheyo yehutano hwemhando yega yega yega-yakaita nzira yavo kuva mairi, kuibatsira sezvo mabhiriyoni evanhu pasi pose vakazora mazino avo, vakadya bharoti, vakaraira kofi, vakanwa soda , vakafambisa motokari yavo negoroli, vakamira cheeseburger, vakashambidza mbatya dzavo, kana kuti vakatsiva chifukidzo chavo.
Stock Market Zvinokanganisa 33% kana Zvakawanda Hazvisi izvo Zvisingawanzoitiki
Paunotarisa kumashure kuburikidza nenhoroondo, kukanganisa kwemusika wematengesi e 33% kana kupfuura, peak-kusvika-mugwagwa, haisi yakasiyana zvikuru. Apo Dow Jones Industrial Industrial Average yakakwira kumusoro kwe18,351.40, iwe unofanira kunge wakafunga mupfungwa, "Zviri pachena, chero chinhu pakati peizvi uye kudonha kusvika 12,111.92 ibhizimisi sezvinowanzoitika, hapana chinhu chakakosha uye, chaizvoizvo, chinogona kuenzaniswa". Kana iwe waive ne $ 500 000 mumabhadharo ako akabatanidzwa ekurasira, iyo inogona kureva kurasikirwa kwepapepa inodzokororwa kunokosha kwe $ 170,000, zvichikuunza pasi kusvika $ 330,000.
Zvichipa mari yako yekugovera inenge yakarurama uye iwe hausi kunyatsofungisisa mumatunhu ega ega, izvi hazvifaniri kuisa zvinopfuura kungotyisa kwekubvuma. Hazvina kukodzera kucherechedza kana wave wakakomberedzwa nechibvumirano chero chekuti munhu anonzwisisa anobuda kunze apo kunaya kwemvura kunonaya pasi neMvura nemvura kana kupera kwezuva kunofukidza zuva.
Billionaire Charlie Munger, mubhizimisi webhizimisi weWarren Buffett kwemazana emakore akapfuura, anotaura kuti iye naBuffett vakatarisa mutengo unotsanangurwa wekutengeserana kwehutano hwavo kuBerkshire Hathaway , kambani inobata maitiro avanoita nayo vazhinji vebhizimisi ravo, inowira ne50% kana kupfuura, chikwata-kusvika-mugwagwa, nguva nhatu dzakasiyana mumabasa avo, kazhinji nechinguva chisina kuchinja mukuwana simba rebasa riri pasi paro pacharo. Munger, uyo anozivikanwa nokuda kwezvaanotaura, kwete-kusina maturo kuburitsa, anofunga iwe uri benzi kana iwe uchirega uchikugunun'una; kana iwe ukazviwana zvisingagamuchirwi, hauna kukodzerwa nehuwandu hwekudzoka hutano huri kutora nguva yakawanda uye unofanirwa kugutsikana kusambovashandisa semagadzirirwo ekupfumisa kana kuwana upfumi hwemari .
Nezvo izvo zvingave zvisingabatsiri, iye akarurama pakuti haufaniri kuisa muzvikwata zvekuvaka upfumi .
Benjamin Graham, mutungamiri waBuffett uye baba vekuchengetedzwa kwekuchengeteka, vakanyora nezvemamwe nzira vamwe vatengesi vanosarudza zvisarudzo pasina hupfumi, zvakadai sedzimba, kunyange kana kudzoka kwaiva kwakaderera kana kufanana nokuti vaisafanira kutambura nenhamo yekuziva kuti mumwe munhu zvimwe - mumwe wevamwe vavanonamata navo - akanga achiita chikanganiso nokutengesa zvishoma kudarika kwechokwadi, kukosha kwemukati; mukutaura, kuti munhu mumwe chete aigona kuseka sei bhodhi yepasi-shoma nokuda kwechigadzirwa chemashonga epurazi kana chivako cheimba chikadhonza bvudzi rake kana kuti kuve nechirwere kana mumwe munhu akaita zvakafanana nokuda kwehuwandu hwake hwebhizimusi mune bhizinesi guru. Vanhu vane simba. Logic haisi nguva yakakwana yekuona nyika kune vakawanda.
Kudukuka kwemahombekiti emabhizimisi emadhaka kunowanikwawo zvishoma, zvisingaitiki nguva dzose. Sezvo Ben Casselman paChishanuThirtyEight akati:
Kubvira muna 1950, S & P 500 yave iine kushaya kwezuva rimwe chete kwemazana matatu kana kupfuura inenge kazana kazana. Yaiva nemazuva maviri gumi apo yakawa ne5 muzana kana kupfuura. Kuputika kwemazuva mashoma, uko kukura kukuru kunopararira kwemazuva mashomanana ekutengeserana, kunyanya kufanana.
Asi chimwe nechimwe chezvinhu izvi zvakasununguka chave chichiteverwa nechinoputika. Dzimwe nguva zvinouya pakarepo. Dzimwe nguva zvinotora mavhiki kana mwedzi. Asi kana zvasvika, inouya nokukurumidza. Kana iwe ukamirira kusvikira chigumbuso chikaratidzika pachena, iwe wakatotadza kuwana zvakakosha zvikuru.
Nzira Yokupona Nayo Kurwisa Stock Market
Chii chaunofanira kuita kana kugadziriswa kwechangobva kuitika kunosvika pakuzara-pamatengesi ematengesi ezvitoro zvinotora kwemakore uye inotora hafu yekubatsira kwako kwebhuku nayo? Zvimwechetezvo vadzidzisi veThe Hershey Company vakaita pakati pe2005 ne2009 apo nhamba yakabva kubva $ 67.40 kusvika kune $ 30.30 per share: Funga nezvezvinoitwa (kana zvikwereti uye zvikwereti zvichiramba zvichikwira, zvinofanira kunge zvakanaka pakuguma, kunyanya sechikamu che zvakasiyana-siyana pamapatoforeti apo kukundikana mune chimwe chikamu kunogona kugadzirwa kuburikidza nekubudirira kusingatarisirwi mune imwe), kutenga zvakawanda nguva dzose, nekudzorera zvikamu. Izvozvo zvingaita sokuti zvinotyisa . Zvinogona kunge zviri nyore. Ndiyo chete nzira inodzidziswa nayo yekuita mari yakawanda munguva yakawanda nokuti iwe haugoni nguva nguva yemusika wekutengeswa uye iwe unogona kufanotaura mberi Apple kana Google inotevera chero chidimbu chechokwadi.
Ndizvo. Kana, sezvandiri dzimwe nguva ndinoda kutaura kuti: Tenga zvinhu zvakashata, kubhadhara mitengo yakakodzera, uye gara pane yako [kumashure]. Ndiyo kamukira. Ita gore negore, gumi nemakore gumi, kunyanya mune nzira inobhadhara mitero nechechikwereti chekubhadhara uye mari, uye zvose zvese asi mashematically hazvigoneki kusapedza upfumi kupfuura makore 25 kusvika makumi mashanu. Kana ikambofa, iwe unenge uine nyaradzo yekuziva kuti hapana chimwe chinhu chinokosha, zvakadaro, nokuti America yadonha.
Pakupedzisira, kana iwe uchizviona uchiputika mumushumo wekutsvaira, kunyatsoongororazve sarudzo yako nepfungwa dzako. Uri kuita chimwe chinhu chakaipa. Kana iwe uri munhu-iwe-iwe pachako uye ugare pedyo nemahofisi eVanguard, funga kuti uripire mamwe maawa 0,30% mumari yegore negore kuti ubatisise ruoko rwako uye ushande newe pane imwe nzira iri pasi pepurogiramu yavo yezano; kukutaurira pasi kubva pamutsetse apo iwe unopisa. Kana iwe usingadi kana kuti uchida zvimwe zvakagadziriswa, high-touch approach (iyo inowanzodikanwa nekodzero yakawanda yakakosha), tsvaga guru rebhandi rekuchengetedzwa kwebhengi kana mutungamiri wekutsvaga wekutsvaga mabhizimusi ane gweta rakakosha zvikuru iwe unogona kuvimba uye kubhadhara 1% kusvika 2% mari. (Uyezve, pane dzimwe nguva zvinowedzera kubatsirwa, semuenzaniso, unogona kugara uine UTMA dzakasununguka dzakagadzirirwa vana vako, vazukuru, vana vadiki , vana vazukuru, kana vamwe vanodiwa kana bhaari yako yepamusoro yakakwirira zvakakwana, kazhinji nechepamusoro-soro kana kubhadharwa mari.)
Pane Zvishomanana Zvokupedzisira Zvokutengeserana Kwema Market
Kana iwe uchiri kunetseka pamusoro pekuputsika kwemusika webasa, iwe unogona kufunga kuchinja kugoverwa kwako kune zvinhu zviri nani kurarama nguva dzenguva , zvakadai sokusanganiswa kwakanyanya kwemari uye zvisungo maererano nematokari. Mukati memugove chikamu chepodfolio yako, zvikwereti zvinokonzera chikamu zvinowanzowa zvishoma pamisika yebhebhe nekuda kwechimwe chinhu chinozivikanwa sezvibereko zvinotsigira t. Zvimwewo, funga kushandisa zvinyorwa zvekugoverwa kwemapurogiramu kuitira kuti utenge chikoro zvakananga kubva kumakambani uye kuendesa mahofisi avo, kuwana chekuita chemuviri mutsamba, uye kungofanirwa kunetseka pamusoro pechinhu chimwe chete nekuregeredza mutengo wemusika: Iko cheku chekuwedzera kukura gore negore here? Isa pamwe chete mapepa emabhizimisi makumi maviri nemazana maviri nemakumi maviri emakore achishandisa nzira iyo - nzira imwechete inoshandiswa naJanitor Ronald Verenga paakaunganidza mari ye $ 8,000,000 pabasa rekubhadhara mari shoma - uye zviri nyore kusazvidza ruzha.