Kunzwisisa Kubatsira Kwaungaita Misungo Ingakuedza Kupinda Muchikoro Chakanyanya
Kuziva kuvapo kwavo kunogona kukubatsira zviri nani kuchengetedza ngozi yako yepodfolio , kudzivisa mamiriro ezvinhu angangokuedza iwe kuita chimwe chinhu chisina maturo.
Chii Chinokosha Mutsi?
Munyika yekutarisira mari, izwi rokuti "kukoshesa mutengo" rinoreva mamiriro ezvinhu, pamusoro pepamusoro, anoita seanopa mubhadhari mukana wekuwana zvinhu zvakakosha uye / kana kuti mari yaunowana maererano nemutengo wemari, achivimbisa mukana wepamusoro-soro- pane-inopedza mari yakawanda kudarika yakawanda pamusika wekutengesa , asi inosvika kuva isina kunyengera nekuda kwenhamba ipi zvayo yezvikonzero.
Chii Chinokonzera Kukosha Kwematambudziko Okukudziridza?
Kune chikonzero chipi nechipi chezvikonzero zvinokosha kuti misungo ioneke. Zvimwe zvezviitiko zvinowanzoitika zvinotungamirira kukura kwavo zvakange zviri:
- Kugadziriswa Kwemagadziro Emagetsi Anokonzera Simba reSimba kana Indasitiri Inoita Kuti Zvifananidzwe Zvichienzanisirwa Nekushandisa Kuduku -Funga nezvemabhiza nemagetsi zvinogadzira mushure mokunge Henry Ford atanga kuiswa mumotokari ye Model T. Mazuva avo akaverengwa; zvigadzirwa zvazvo zvinopedzisira zvichinyanyisa sezvo mhuri dzichitengeserana mumatanda avo kumagaraji, kusiya furu uye oats ye peteroli. Kana iwe ukaona mutengo wakaderera, wakatarisa mari yakapera mari, ndokufunga, "Oh mukomana, izvi hazvina kuenzaniswa kana zvichienzaniswa!", Iwe wakakanganisa zvikuru. Zviitiko zvekare zvekushanda kwebhizimisi zvakanga zvisingashandisi kushandiswa mukugadzirisa kukosha kwayo kwemukati.
- Nzvimbo Yakadanwa Inowanikwa Mucherechedzo muCyclical Industries - Pane chimwe chinhu chinozivikanwa se "chikwata chekuwana mutezo" chinogona kuita mari yakawanda kukuvadza kune vashandi vasina ruzivo. Zvinowanzoitika apo varume nevakadzi vanotenga zvikamu zvekambani mumakwikwi emabhizimisi anotarisana nemabhosi nemabhazi - funga nezvevashandi vekuvaka, makemikari, migodhi, kunatswa-kumusoro kwekuwana mari yekuwana; apo mamiriro ezvinhu ari nani kudarika zvave ari mumakore, makumi emakore kunyange, saka mari inoputika mumashoko ekuwana mari uye bhadha rezvese ravakatora pamba. Izvi zvinokonzera kuti mutengo-ku-kuwanikwa kwehuwandu uoneke usina kunyanya kukosha . Zvinotyisa kuti, mabhizimisi akawanda emakambani anonyanya kuodhura apo p / e yehutano hwavo inowanikwa pasi uye inodhura kana p / e yehuwandu hunoonekwa yakakwirira. Mumamiriro ezvinhu akadaro, iwe uri nani pane kutarisa peji yePGG kana chikamu-chinogadziriswa PEG ratio .
- Cash Flow Matambudziko Anowedzera Kupfuura Mutero Wacho Wakaitwa Chega Unoratidza - Kana iwe wakatombotora chikoro chekuverenga mabhizimusi, ungave wakadzidza mienzaniso yakakurumbira yemabhizimisi anobatsira aive achiita mari yakawanda panguva yavakarasika. Izvi zvinogona kuitika kune zvikonzero zvakasiyana-siyana. Muna 2008-2009 Great Recession, masangano akawanda emari ekubhadhara mari, kusanganisira mashomanana emabanki ekutsvaga mari, aive nevatengi vavo vanobviswa nokuti bhizinesi raibhadhara mari yakareba kwenguva refu nemari yezvino ; kukanganisa muhutano hukuru hunoreva humwe hupfumi hwehupfumi apo nyika inoparara asi imwe inodzokororwa zvizvarwa zvose sezvo zvidzidzo zvekare zvakakanganwa. Mune zvimwe zviitiko, mabhizimisi ezvitoro aiva nezvinozivikanwa sepamusoro kushanda; yakagadziriswa mari yezvivako zvaireva gungwa risati raguma-kurasikirwa kana kutengesa kwakawira pasi pechimwe chikumbaridzo, nechose chinenge chiri pamusoro pechinhu ichocho chichiwira kumucheto sechibereko . Somuenzaniso, kana vatsvakurudzi vanotarisira kutengesa kuderera pasi pechibvumirano ichi kune chimwe chikonzero kana chimwe, kuora kwe20% muzvikwereti kunogona kushandura kugoverwa kwema80% muzvikwereti. Mune mamwe mamiriro ezvinhu, simbi inogona kunge ichiita zvakanaka asi mamiriro emisika emakambani akaoma kana kushamwaridzana kukuru kwehurumende kuri kuuya mukukura uye kune kusava nechokwadi pamusoro pekwanisa kwekambani yekugadzirisa. Zvimwewo, bhizimisi inofanira kubhadhara zvakanyanya mari yekutora mari , kuderedza purogiramu munguva dzinouya nekuda kwekuwedzera kwezvinodhura zvemari. Zvichida mukurukwi mukuru akapinda munzvimbo yacho uye ari kutengesa chikamu chemusika, kutora kure vatengi vechikwereti, uye ave nekugadzira kana kushanda kwehutano hunoita kuti bhizimisi rive mukukwikwidza kwakanyanya kusingabatsiri, mumamiriro ezvinhu akadaro, mari inenge yakaderera yematengo haisi chaizvoizvo zvakaderera zvachose sezvo mari inoshandiswa pamubhadharo wega wega inobata munguva, ichiwira kune imwe yakakodzera maererano nemutengo wemusika wekutengesa.
Nzira Yaunogona Kudzivisa Kukoshesa Misungo kana Kudzivirira
Kune varairi vemazana, mhinduro yekudzivisa kukoshesa misungo iri kudzivisa munhu mumwechete zvikwereti zvachose sezvo vasina ruzivo rwezvemari, kuverenga, uye hutungamiri hunodiwa kuti uongorore mafemu chaiwo; kuti atenge mari yekuenzanisa , panzvimbo pacho, nguva dzose dhora inodhura maitiro mukati mavo, zvichida mukati memagariro ematero akaita seRoth IRA . Kana zvisina kudaro, mhinduro yacho inogona kuwanikwa nekuedza kuwana zvikonzero - nei -vamwe vadzidzisi vave vachirasika kuenzana kwavo. Vhura mashoko akaipa; zvinotarisirwa zviri kuita kuti munhu wese asagutsikane nebhizimisi. Zvadaro, edza uye uone kana 1.) iwe unofunga kuti zvavanotarisira zvisingazoitiki, 2.) kana vakanyanyisa-kana vasingafungi, uye 3.) kusvika papi.
Mune mamiriro mashoma, iwe uchasvika pane gem.
Iwe uchawana bhizinesi rakanaka iro riri kupiwa zvakasununguka pasina rusununguko. Chimwe chienzaniso chemuenzaniso wekuita basa rako rechikoro kuti uone kuti izvo zvinoita sechinhu chakakosha musungo hachisi, chokwadi, kukosha musungo ndiyo inonzi American Express saladi yakavhenganiswa nemafuta ema1960 . Mumwe musikana Warren Buffett akaita mari yakawanda-mari yakaramba ichishanda sechikonzero chehupfumi hwake hweBerkshire Hathaway - nokuverenga kuwanda kwekugona kukanganisa kambani yemakadhi ekwereti yaizotarisana kana zvose zvingave zvichienda zvakashata, kuona vanoita mari vainge vasisina tariro. Bhizimisi racho raizova rakanaka.
Munguva pfupi yapfuura, vakawanda vezvikwereti vakarayira vaitenga zvikamu zvepamusoro-soro, mari yakasimba yebhuruti chiputi mumatope mukati megore ra2008 kusvika ku9 apo vakaona kuti vamwe vatengesi vaitengesa kwete nokuti vaida kugovana nehuyo hwavo, asi nokuti vakanga vachitarisana zvinokonzerwa nezvakakwana uye zvaidiwa kusimudza chero mari yavanokwanisa kubhadhara zvikwereti! Kofi gikuru Starbucks inonakidza nyaya yekudzidza. Zvose izvi zvisati zvanyunguduka, basa racho raive ne-balance-solid balance sheet uye mushure mekubhadhara mitero yakanga iri kuwedzera. Apo dambudziko remari rezvematongerwe enyika rakaonekwa, mhuri dzaikurumidza kurasa dzimba dzavo, mabhenji ekutsvaga mabhizimusi akatanga kuvhara, uye Dow Jones Industrial Average yakatanga kukoromoka, iri bhizinesi rinoshamisa raibhadhara, kubudisa mari yakawanda yebatsiro uye kubuda kwemari, yakaderera kubva kune yakadarika $ 20.00 kugoverana muna 2006 kusvika pasi pe $ 3.50 muna 2008; chimiro chaimiririra zviduku zvinodarika 8x pamatare ayo emakore asati apfuura uye 12.5% mushure mekubhadhara mari yezvibereko. Iyi ikambani yakanga ine nzvimbo yakawanda yekuwedzera yakasara, yakanga ichikura pa20% + isina kuwedzera kuenzaniswa kwemashoko makumi emakore; pamwe nenyika yose yakasara kuti ikunde sezvo inowedzera kuChina neIndia. Yaiva mukana wekare-mu-we-upenyu kuti uve muridzi wekutanga mutengesi wefivha pasi. Vaya vakashandisa zvayo kwete kungounganidza mari inowanikwa mumakore kubva ipapo, asi vakatarisa chikwata ichikwira kumadhora makumi mashanu nemakumi mashanu. Nehurukuro inowanikwa iripo ye $ 1 per share (saSeptember, 2017) ichitevera bhodhi yemutungamiriri wechisarudzo chekutumira mari yakawanda kuvaridzi , izvo zvinoreva kuti mumwe munhu, pane imwe nzvimbo kunze uko zvakanaka aigona kuunganidza 18% + cash dividend yield pamari nokuti zvikamu zvakatengwa pane zvakakwana (yeuka - panofanira kuva nemutengesi uye mutengesi mune zvese zvekutengeserana;