Vatapi venhau VaGarren Buffett naPeter Lynch paKunyoro
Akasimudzirawo vatengesi kuti vaone zvavakashandisa kuti vave nehupfumi hwehupfumi nehuwandu hwekuwana zvakakonzerwa nePGG uye kugoverwa-kuchinjwa kwePG ratios. Wechipiri waiva Warren Buffett , Chairman uye mukuru mukuru weBerkshire Hathaway , kambani yakabatanidzwa yakasiyana-siyana yakaita munharaunda yese nemabhizimisi emari.
Kana iwe uchitora "Itai zviri nyore, benzi" kuswedera kumari yako, kuishandisa pane zvose mahofisi ekuchengetwa kwehupfumi uye humwe hutano hwehutano, unotarisa pane zvishoma zvezvinhu zvinonyanya kukosha uye zvinogona kuderedza zvakanyanya dambudziko raunowedzera iwe inokosha uye kazhinji pfuma yakaoma-yakawana pfuma. Iko inokubvumira kuti uone kudarika ruzha, kubfc, uye kutarisa kune muridzi wemari, pakati pezvimwe zvinhu zvinokosha. Iyo inodzivisa kuoma kunzwisisa, iyo, chero munhu ane unyanzvi kana zvichida mamiriro ezvinhu anogona kuonga sezvo rimwe nerimwe rinenge rakatadza kuiswa, pasinei nokuti akaderera sei mukana wekukundikana, zvakanyanya kuwedzera mikana yekukundikana kwese.
Ndicho chinhu chekupedzisira chaunoda paunenge uchishanda chikwereti chekuregererwa kwehupfumi pane iwe, mhuri yako, kana munhu kana chikwata iwe une chikwereti chebasa rekuchengetedza rinotsigirwa nemari yekusarura sezvikamu, zvikwereti, uye zvikwereti .
(Kune avo vese vasingazivi nharo yekufungidzira, mifananidzo inokurumidza inogona kubatsira.
Ndezvipi zvaungada kuva nazvo: nhumbi ine 65% mukana wekubatanidza mumakore mashanu ari kutevera kana kuti motokari ine mukana wekuwedzera kane kana zviitiko zvisere zvakasiyana zvose zvinoitika (zvichida bhizinesi rebhizimisi mune imwe mamiriro ehurumende, chigadzirwa chitsva yakavakwa, nezvimwewo), chiitiko chimwe nechimwe chaine 90% inogona kubudirira kubudirira? Iyo yekupedzisira, ichitenda kana kwete, inayo inenge 43% yekana yekuzadzika - zvakanyanya kuipa kupfuura izvo zvaimbova kusarudza! Uine humwe hukama huri muketani, iwe une zvakawanda zvinopesana nezvimwe zvinhu zvisingakanganisi. Kana chikwata chinogona kukwira chiuru chezana asi asi kuti icho chiite kudaro, hurumende dzebasa dzinofanira kuderedza kudiwa, mafuta ekufambisa anofanira kuparara, dare rekudarika rinofanira kumanikidzira mukwikwidhi kubhadhara mhiko yake yepensheni yakavimbiswa, uye hutungamiri hutsva hunouya uye hucheke kusarudza mari, iwe unogona kunge wakanyadziswa pane zvakanakisisa kana, pakuipa, kuguma sevanhu ava varombo.)
Chinangwa changu pakunyora nyaya ino ndechekugoverana newe dzimwe nzira dzandinofunga kuti munhu anogona kutevera "Itai zviri nyore, Benzi" hupenyu hwavo. Tarisiro yangu ndeyekuti haisi chete iwe uchafunga zvakanyanya kugamuchira vamwe vavo, asi iwe uzvidzidzira kutanga kutanga kutsvaga nzira dzekudzikisa kusagadzikana, kuzvikudza mumusoro wezvose zvauri kuedza kuita.
Nzira Yaikuru Yokuita "Itai Zvakare, Benzi!" Pakusarudza Mari Inoshandiswa Pakushandisa Rimwe-Chikamu Chekuedza
Kunze kwehumwe hutano hwemabhizimisi hunenge husingagoni kutarisana nehurukuro yedu, hupfumi hwose hunoita muupenyu hunogona kunge huchienda kune tariro yokuti iwe uchakura mari yaunoita mune imwe simba rekutenga kuitira kuti uite zvakawanda; kutenga mamwe motokari, dzimba, mazororo, kupa zvakawanda kune rudo, siya zvimwe kune vana vako kana vazukuru. Kushambadzira kunounza kukosha kwemukati kubva pamari inoyerera iyo inobereka, kana iri mukati kana kubva pane kutendeuka. Izvo hazvisi zvose. Mutengo wamunobhadhara maererano nemari iyo inoyerera inozopedzisira inokonzera kufa pane zvaunogona kutarisira maererano nemagadzirirwo emakero yegore rekudzoka . Kana iwe uchibhadhara 2x ye $ 1 yehuwandu hwemari yakakosha yakagadziriswa mitero uye kutengesa kwenyika, iwe uchawana hafu yezinga rekudzoka iwe ungadai wakabhadhara 1x.
Ndizvo zviri nyore.
Apo iwe unonzwisisa chokwadi ichi chinokosha unoona huchenjeri muhutano hwaPeter Lynch naWarren Buffett mune zvavanoda kuziva, kunyanya uye nokukurumidzira, zvikonzero zvaunofunga kuti zvinhu zvinokosha zvinokwezva. Peter Lynch akazviti aishandiswa kutanga zamai timer apo paunhare pamwe nevanoongorora mari uye vatengesi. Akavaudza kuti vaiva nemaminitsi mashoma ekutsanangurira chinangwa chekuisa pfungwa. Warren Buffett inokurudzira kuti unyore ndima shomanana kutsanangura chimwe chinhu pamiganhu yekuti, "Ndiri kutenga $ 10 000 mitsara yekambani XYZ pamadhora makumi maviri nemashanu pamagetsi nokuti ndinotenda (shandisa chikonzero apa sekuti purogiramu inokura kaviri nekukurumidza semutengo wezvino- kusvika-kuwanikwa mari , zvivako zvakavanzwa zviri pazeri , pane kuchinja kwehutungamiri kune huri nani, kukosheswa kwakanyanya kuderera, etc.) Zvadaro, chengetedza mamiriro acho ezvinhu, nguva dzose unofunga nezvemashoko ako ekutanga. Yakabatana nemafungiro andakataura pamusoro penguva pfupi pabhuku rangu rega pamusoro pevanhu vanobudirira kwazvo; kuti iwe haugoni kubika pie. Iwe unofunga kuve nechokwadi chekushandisa chimwe nechimwe, uye nhanho imwe neimwe, yakarurama uye pie inoitika pachayo pachayo, kuratidzira apo iwe unowana zvinyorwa zvakarurama. Kana iwe uchitenga zvikamu zvekambani uye unotarisira kuwana mari kukura pa 12%, makore mashomanana gare gare, vari kuwedzera pa 8%, munoziva kuti chimwe chinhu chakaipa kana chakasiyana. Teerera pane izvozvo. Usakanganise uye usakanganwa pamusoro pekururamiswa kwekuita mari yacho pakutanga.
Imwe Nzira Yokuita "Itai Zvakare, Benzi!" Icho Chete Chekuchengetedza Zvigadziro kuburikidza neAcash Accounts, Inobhadharwa Zvakakwana, uye Rega Kuedza Kuva Icho So Clever
Chimwe chezvikanganiso zvakakura zvandinoona vatengesi vanoita ndezvekuti vanopinda mune izvi zvisinganzwisisiki mufambiro apo vanoedza kushandisa podfolio yavo kuti vaite kuti vanzwe vakangwara kana zvakakosha pane imwe nzira panzvimbo yekuisa pfungwa pane izvo zvinokosha - mari inoyerera. Kana zvasvika pakuisa mari mumatanda, basa rako nderekutenga mari.
Ichi chidimbu chekuoma kunzwisisa ndekusingaperi, kuuya nekufamba mumagadzidzo anowanzokonzera njodzi. Ikoko kwaive nemapurisa epishumo muma1980. Paiva nehutachiona hweAsia mumakore ekuma1990. Pakanga pane zvikwereti zvakakonzerwa nematokari muma2000. Zvino, chinhu chitsva vanhu vari kuedza kuita kuti vabate pavari Robo-Advisors; automated software mapuratifomu akanyorwa nehurongwa husingazivikanwi hwehupfumi hwevanhu hunofanirwa nevanhu kuti vawane mhando yavo yose inokosha mumutambo unondiyeuchidza nezvechecheche achitamba nepfuti. Rimwe zuva, nekuda kwekuvaraidza kwakachena, ndakagadzira purogiramu yemunhu ane makore makumi mashanu nemakumi mashanu anokwereta ane mari $ 250,000 mune mari uye mari inenge isina mari yekuchengetedza mari kuti aone kuti ndeipi yepamusoro-soro Robo-Advisors, iyo inovaka mapurisa kubva pasi -cost ETFs , yakakurudzirwa. Apo mabhuku ekuchengetedzwa kwekodzero akadzorerwa, ndakachera kusvika kune zvakasimbiswa-zvikwereti chaiyo zvinotarisana pasi pedenga, zvisingaoneki nevakawanda vedzimba idzi dzepasitori - uye vakawana kuti mari isiri-isiri iyo yakaiswa mune izvo zvakanyanyisa zvikuru mhaka yechikwereti chinokonzera nyika dzisingasviki mabheoni ekusvinura uye kugadzikana. Ichi isininine. Iko inoshandisika yemakemikari isina maturo runamok; mhaka yevanhu vanogutsikana kuti vanogona kusiyanisa zvisizvo zvisingatauri nekuwedzera zvimwe zvisinganzwisisiki. Mumwe mutengesi aida mari yakagadziriswa mari inofanira kunge yakanyatsogutsikana kutenga mabhizimisi mashanu eDICIC-backed certificates yaakaisa ku 2.15% kana chipi zvacho chavanenge vachizobvuma panguva ino. Pane kudaro, software yacho yakasarudza "kusvika kune zvibereko", chimwe chezvinhu zvoupenzi zvikuru mubhadhari anogona kuzviita uye izvo zvinotungamirira kune kurasikirwa kwakawanda kudarika chero humwe humwe simba muzvikwereti zvemari. Nokuda kwekudenga, makore mashomanana akapfuura vanhu vakanga vasina kugutsikana kugara pasi nemari kuitira kuti vaedze kubvisa zvishoma zvekudzoka kwekutenga nekutsvaga zvigadziro zvekutengeserana chete kuti vawane kuti zvakaputsika apo mvura yakaoma muna 2007-2009 collapse. Sei uchirarama saizvozvo? Hazvina kufanira. Rega kuita kuti hupenyu hwako huve hwakaoma kupfuura hunofanirwa kuva. Rega kuzvidzivirira iwe pachako.
Kana iwe uchida kubata mari, uye iwe hauna zvaunoda zvakakwana, gutsikana nekusanganiswa kwakasiyana-siyana kwematokari uye zvisungo - uye hongu, kana iwe uri pamusoro pezera rakadaro, zvichida unoda zvose zviri zviviri sematokisi uye zvisungo zvinotamba mabasa akasiyana mune ramapato ako kunze kwemazita avo anodzoka. Tora zvinhu izvi mukodha yemari, kwete nhoroondo yepamusoro , kuti urege kudzivirirwa zvakare, kunyange kana zvichireva, kune vamwe vashandi mune dzimwe mamiriro ezvinhu, kubhadhara mari yekuchengetedza mari . Gara kumashure uye ugovana zvikamu zvako uye chikwereti chemari. Funga nezvenyaya yako yepasitori senzira yekuwana mari kubva kune injini yako yepamusoro yezvemari, iyo, kune vanhu vakawanda, ibasa ravo, uye rega kuedza kuve neupfumi nayo usiku hwose. Kana iwe usingazivi zvauri kuita, kana kuti usingashandisi nekambani yekuchengetedza mararamiro kune vapfumi, funga kuisa mari mukati mekutsvaga mari iyo ingangodaro iwe yakanakisisa kubheta kusvikira iwe uchisvika pane imwe nhanho yematare inoshandiswa pashure pechikonzero chavanova upenzi nokuda kwezvikonzero zvakawanda zvakadai kusanganisira nzira dzekukanganisa uye kugadziriswa kwemitero.
Dzimwe Nzira Dzoku "Ramba Uchireruka, Benzi!"
Iko kune marudzi ose eimwe nzira iwe unogona kutevera "Itai Zvakare, Benzi!" uzivi. Vamwe vatengesi vanongowana ruzivo muhuwandu-dzakawanda zvemazana zana kuitira kuti puroftipoti yavo ive nyore. Vamwe vane mvumo yakakosha yezvikwata zvinowanikwa mubhadhadziro wekubvisa mabhizimusi achishanda pane imwe nzvimbo yakasununguka yekugadzirisa saka zvisinei kuti vanobatana zvakasiyana zvakadini zvavanayo, kana kuti vangani vakamiriri vemassetsi avo vanowanzobhadhara, zvose zvinotaurwa mune imwe nzvimbo, nzvimbo yakasimbiswa uye, zvichida, kunyange chikamu, chekuchengetedzwa kwekuchengetedza kero. Nzira yekuita nayo chiito muhupenyu hwako huchavimba neunhu hwako uye mamiriro akasiyana, zvido, uye zvaunofarira. Pfungwa yacho ndeyekubvuma chokwadi chokuti kuve nyore kwakanaka. Kunyoresa kunogona kukudzivirira kuburikidza nekuita kuti zvive zvakajeka zvipi zvengozi zvauri kutora. Kunyoresa kunoitawo kuti upenyu hwako huve nyore.