A Portfolio Management Technique Inogona Kubatsira Basa Rako Renguva refu
Izvi zvinonyanya kuoneka kana iwe usingakwanisi kushandisa misha yemitero yakadai saRoth IRA, Traditional IRA, kana 401 (k) chirongwa . Nokukufambisa nemafungiro, ndinotarisira kuenzanisa nhamba yacho zvakadzama kuitira kuti uone kuti kubata izvi kunogona kuva nzira yakasimba yekuunganidza humwe hupfumi pamusoro pebasa rako.
Kufunga nezveMitero yakasarudzwa paNot-Low Cost Basis Investment seMutengo Wusingawani
Fungidzira makore gumi nemashanu apfuura, wakatenga chikamu gumi zveAllZone nokuda kwe $ 26.00 imwe neimwe yebhadharo yakakwana ye $ 260,000. Iwe wakanamatira zvigwaro zvekuchengetedza muvharo uye hauna kutarisa kwavari kubvira. Iwe unotarisa pepanhau uye ona kuti zvikamu zvakavhara Chishanu pa $ 439.66. Zvikamu zve10 000 zveko zvino zvine mari yekutengeswa ye $ 4 396 600. Pakave pasina zvikomborero zvakabhadharwa panguva yekubata nguva.
Iwe iko zvino wakagara pa $ 4 396 600, ayo $ 260,000 anomiririra mari yako yepakutanga uye $ 4136 600 inomiririra mari isati yawanikwa.
Kana iwe waigara muKansas City uye waifanira kutengesa zvikamu zvako, iwe waizobhadhara mutero we15% kuHurumende yeHurumende uye 6% yemutero kune State of Missouri, inenge 21%. Nokudaro, ye $ 4136 600 muzvikwereti zvisingagoneki, $ 868,686 inomirira mitero yauchafanira kubhadhara iyo nguva iwe uchinge uine pfuma yako mune mutengesi chaiyo.
Mubhadhati ane nzara Warren Buffett akaratidza kuti mutendi wechokwadi wenguva refu anofanirwa kufunga nezve $ 868,686 iyi sezvikwereti zvisina chikwereti kubva kuHurumende nehurumende dzehurumende. Kusiyana nechikwereti chakanaka, iwe unowana kubhadhara kwezvimwe zvinhu zvinoshandisa iwe asi iwe hauna kubhadhara mwedzi mumwe nomumwe, iwe hauna mhosva chekubhadhara mari , uye iwe unosarudza kugadzirisa apo mutero unouya. Chero bedzi uchiramba uine zvikamu zvako, uri kuwana mari ye $ 868 686 mune mari yekusununguka inoshanda iwe iwe iyo inopera kana iwe ukasarudza kuchinja zvigaro uye kuchinja shanduko yako kuAutoZone kune imwe kambani.
Kana AutoZone inokura pamwero we10% pagore kwemakore gumi anotevera, izvi zvinoreva kuti mugore rokutanga roga, iwe waizounganidza mari inodarika $ 87,000 mumashamba emakambani ayo iwe ungadai usina kukwanisa kuwana chete nehutsika hwakanaka $ 868,686 ichiri kuiswa mari yekubatsira kwako. Iyo yakareba ichi ichienderera mberi, unowana izvi kuzvisimbisa kwepfuma yezvisikwa zvisikwa izvo zvinotenga kutenga uye kubata mubhadhari pane zvakanyanya kubatsirika kune mutengesi wezuva, zvichipa zvivimbiso zvakaderera zviri zvebhuruu chip quality.
Mitero Yakasarudzwa Inogona Kuita Kuti Ive Yakakosha Kuwana Imari Yakakosha Kupfuura Kuitsinhanisa Imari Yisingakoshi
Ichi ndicho chimwe chezvikonzero zvikuru zvausingaoni vanhu vakapfuma kana mamasimendi ekubudirira emapatotikoti vachitengesa nzvimbo panzvimbo yekutengesa muchitoro chingave chiri chiduku chekutengesa zviri nani.
Iti iwe waiva nePepsiCo inokosha ye $ 1 000 000 yakavakwa kwemakumi emakore. Mari yako yekutenga ndeye $ 100,000. Izvozvo zvinoreva $ 900,000 zvinomiririra mari isati yawanikwa. Mune yako, $ 189,000 mumitero yakatarwa ingatorwa semhosva yekuregeresa pairi bhadharo . Maoko ako ePepsiCo ari kutengesa pamabhadharo makumi maviri, kana kuti 5% mubereko wekukohwa. Izvozvo zvinoreva kuti kudyiwa kwako kwePepsi kunobatsira gore rega rega $ 50,000.
Iye zvino fungidzira Coca-Cola inobatanidza pamabhadharo e17x chete nehuwandu hwakafananidzirwa kukura uye mubhadharo wezvikamu. Izvo zvibereko zvinokonzerwa ne588,8%, iyo inokwana 17,6% kupfuura PepsiCo inopa muzvikamu zvaro, 0.88% yakawanda mumashoko akazara. Kana yako $ 1,000,000 yako yakaiswa muCoke, mugove wako wepurogiramu yakazara ingasvika $ 58,800. Imwe $ 8,800 inowanikwa mumari inowanikwa pasi haisi inokosha.
Sezvaunoziva iye zvino, hazvisi nyore!
Ngatitangei mathemoni kuti tione kuti chii chingaitika kana iwe wakaita shanduko. Iwe unotengesa zvikamu zvako zvePepsiCo uye ona $ 1 000 000 mune mari mubhuku rako rekubhadhara . Iwe pakarepo unotora $ 189,000 $ 189,000 yeHurumende uye yehurumende mutero wekubhadhara, uchikusiya ne $ 811,000. Iwe unoisa izvi $ 811,000 kuti ushande mumakambani eK Coca-Cola pa588% mubhadharo wekukohwa, zvichireva kuti mugove wako wemari ndeye $ 47,687 pagore. Sezvisinganzwisisiki sezvazvinonzwika, iwe wakarasikirwa ne $ 2 313 mumari yakabhadhara, kana kuti 4.6% yezvawakanga usina kuita nenzira imwe neimwe gore roga rega, pasinei nekutenga nhumbi nepamusoro-kutaridzika.
Chinhu chakadaro chingaitika sei? Kurasikirwa kwemari apo iwe wakakonzera mitero yakasimudzirwa inowanikwa mubhadharo yaireva kuti mari shoma yakashandiswa iwe. Muchiitiko ichi, chakanga chakakwana chekurova zvokuti yakapfuura kubatsirwa kwepamusoro pezvibereko zvekukohwa pamutengo unodhura. Nokudaro mutsika wenyaya yacho: Kana uchinge wasimbiswa uye uine hupfumi, uchinge wakagadzira chikwereti chako chekunyora nekushingaira nekutarisira kwekanguva, kufambisa pakati pekambani kune imwe kambani mune imwe yenyaya yakabhadhara kunogona kuita basa rinodhura iro rinokuvadza zvinotevera mushure mitezo. Muzviitiko zvisingawanzoitiki, zvinogona kuita kuti iwe ugume uri murombo kupfuura iwe iwe ungadai wakanga uripo pasinei nekukonzera kubhadharwa kwako kusati kwabhadhara kunowedzera . Ndicho chikonzero nei vane ruzivo ruzivo vatungamiri vachitarisa pane metric inotarisa: Kuwanda kwehuwandu hunokonzerwa nehuwandu hunokonzerwa gore negore, huwandu hwemitero uye kutengesa kwezvinhu, zvakabudiswa nemari yako.
Pakupedzisira, mitero yakaderedzwa inomiririra chimiro chekushambadzira chine zvishomanana, kana zviripo, zvezvipingamupinyi zvehuwandu. Iko simba raunofanirwa kunyanya kufunga kufungidzira kana iwe uchigona kugadzirisa hurongwa hwako hwemazuva mazhinji hukubatsira kubva pamigumisiro yayo.