Shandisa "Nzira yeBucket" uye Shift Your Whole Investing Paradigm
Kana iwe wakanga uchitevera zvakavanzika zvishanu zvemari yedu tsvakurudzo yevanyori vanofara zvikuru, unoziva kuti tauya kuchivande # 5! Tisati tataura nezvekuti mari yako inogona sei kuita mari, regai tiongorore zvakavanzika zvina zvekutanga:
Mari Yakadzama # 1: Sarudza zvaunoda uye kuti mari ichaita sei hupenyu huri kuda kurarama
Mari Yakadzama # 2: Ratidza kuti unoda mari yakawanda sei
Mari Yakavanzika # 3: Bvisa mari yako yekutengesa ... nokukurumidza!
Mari Yakadzama # 4: Wedzera migove yakawandisa yemari
Mari yekupedzisira yakavanzika ndeyekuwedzera kwemari yakavanzika # 4 uye kukosha kwekuvandudza mitsara yakawanda yemari kana iwe uri mumakore ako ekurega basa. Takakurukura mitsara mina yemari inowanikwa iyo inosanganisira basa rekushanda kwemaawa, mari yepensheni, zvekuchengetedzwa kwemagariro evanhu, uye yekuvakirwa. Chimwe nechimwe chezvidimbu izvi chinogona kubatsira zvakanyanya kune yako yose yekurega basa. Asi pane imwe nzira inokosha yekuwana mari uye nzira inokosha yekuita mari inoramba ichiyerera kubva mumari yako yemari. Inonzi kudyirwa mari .
Mari Yakadzama # 5: Iva Anowanikwa Mubereko
Sekugadzirisa zvemari, ndakataura nevatengi vangu kwemakore pamusoro penzira chaiyo yekuwana mari. Ndinoriidza kuti "Nzira yeBucket." Iyi inzira yekufungidzira inogona kuchinja yako yose yekutsvaga paradigm. Nzira yeBucket inobva pamwoyo wehuzivi hwangu "Kurara Zvakanaka pausiku," yakarongeka nemafungiro ekuti iwe unogona kupedza basa rekusimuka uye kubvisa basa rekufara.
Nenzira iyi, iwe unotanga kufunga nezvemari yako inopinda mune zvimedu zvakasiyana-siyana: bhagheni chemari, mari yekubhengetedza, kukurira ibhakiti, uye imwe nzira bhatikiti.
Cash Bucket: Iyi ndiyo mari yaunoshandisa muDPA-inshurense. Mutungamiriri wacho ane 100% akachengeteka, asi anowana chikamu chiduku. Mari iyi ndiyo yako yakagadzikana uye yakasvibiswa.
Mari iyo iri mubhakiti inofanira kushandiswa kune mari inokurumidza uye chero mari yakawanda yaungada mune gore rinotevera kana maviri.
Bhuku Rekuwana: Mipiro iyi ibhakari inotengeswa mumhando dzakasiyana-siyana dzezvisungo- Pfuma, masangano, masisita, mazinga akawanda, mazano, pasi rose, uye inotenderera. Vachakupai mubereko wemari. Nhengo dzakasiyana-siyana dzehupfumi bhuku rinofanirwawo kudzivirira mukuru wako. Dhiversification mukati megakisi iyi inonyanya kukosha kuti uwedzere kudzoka kwako munguva.
Growth Bucket: Iri bhati rinosanganisira mari yako inowanikwa mumatanda. Kana uri mu "kuunganidza" danho rehupenyu (25-55) funga kuva nehokukura. Vatorwa vanofanira kuisa pfungwa pazvikamu zvekubhadhara zvikwereti.
Nzira Inoshandiswa Nayo Bucket: Iri bhakiti rinosanganisira upiwe hupi husingawanikwi zvakakwana mumari kana mari yekukura. Semuenzaniso, simba ramambo rinotengeswa (inotengeswa pamagetsi nemafuta) uye MLP mashizha (makambani uye magetsi ekuchengetedza magetsi) anotengesa sezvikwata zvakasikwa paN NYSE kana zvimwe zvikwangwani zvikuru asi haabhadhari zvikwereti zvekare kana chido. Mumuenzaniso uyu, makambani aya anobhadhara "kugoverwa."
Iye zvino zvaunoziva zvakavanzika zvishanu zvemari zvevanhu vanofambira mberi vanofara, inguva yekuvaisa kuti vashande!
Yeuka, chiratidzo chaunacho chokubvisa kare nekufara chiri mukati mako!
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo