Kunzwisisa Chikonzero Index Index uye Chikoro uye Buy uye Hold Hold Investors Ita Zvakanaka
Vamwe vanotaura nenzira iyi sebhizimisi-sekutsvaga mari .
Chimbofunga muenzaniso wakaipisisa: Fungidzira kuti uri musi waMarch 13th, 1986. Yakafanana nemotokari itsva yakadzorerwa kune $ 10 000 gore iroro. Asi panzvimbo yekutenga wakati motokari, iwe unosarudza kutenga chikamu chezvikamu mune imwe kambani inonzi Microsoft. Nhasi, iwe unenge uine $ 5,526,749, iyo $ 4,532 922 inouya mune imwe nzvimbo yegorosi yakagara mubhengi rako rekubhengwa uye $ 993 827 yakabva pane mari inokonzerwa nemari inenge yaiswa mumakore.
Chii chinonakidza pamusoro pematunhu, kunyange zvakadaro, iyo simba rekutsvaga mari yakaisvonaka kukunda njodzi yakawanda. Dzokera muna 1986, nguva ino chete, funga kuti iwe wakapatsanidza $ 10 000 muzvikamu 10 zvakasiyana-siyana zvema $ 1 000. (Nhasi, izvi zvaizova nyore.Iyo ingadai yakave basa rakaoma zvikuru kare kare, zvichida ichida chimwe chinhu chakafanana nevemhuri kushamwaridzana kuitira kuwana hupfumi hwehuwandu.) Iwe nenzira imwe neimwe unogona kugadzira imwe yenzira yakaipisisa, yakaipa, inowanikwa zvisingagoni kuitika munhu unofungidzirwa uye 9 mukutora kwako 10 nguva pfupi inopera zuva mushure mekunge mawana.
Chinhu chakadai chakadai hachina kumboitika mumusika wekutengesa, asi isu tichazvifananidza sezvazvakaita mune imwe nzvimbo yakasiyana.
Ungadai wakaita sei? Fungidzira, tenda kana kwete. Nhasi, iwe ungadai uchingogara pa $ 552 675 kana zvakadaro, uchimiririra chikwata chinokonzera pamapatotipu sekuzara kwese kunenge kusvika 14,8 muzana.
Imwe nyota inogona kuita zvose zvekusimudza kunorema. Kunyangwe iri igungwa pamberi peimba inowanikwa muMalibu makore makumi mashanu akapfuura kana zvikamu zveKoca-Cola zvakatengwa muma1960, nzvimbo yepamusoro yakavakwa inogona kuvhiringidza maitiro asinganzwisisiki ekukundikana apo ichiri kuunza kudzoka kunogutsa. Kuzvidzivirira njodzi yekudzivirira ndicho chinhu chikuru. Chero bedzi iwe unogona kumira uye kupona kubviswa , kudonha, uye kusagadzikana kwezvinhu, zvinhu zvakamboitika zvakanaka.
Dambudziko? Dzidzo dzakawanda dzezvidzidzo pamitemo yemunhu mumwechete dzakaratidza kuti vanhu vazhinji havangave vakabata Microsoft yavo kune avo vanenge makumi matatu emakore, uye vangadai vasina kunge vakawedzera Microsoft kuburikidza neimwe yePOs gore iroro, izvo zvose zvakanyanya kuipa. A doubling or tripling of their money and they would have bailed. Ichi ndicho chimwe chezvikonzero zvinoratidza kuti mari inobatsira . Kunyange zvazvo vanoshaya kukura kwekutanga, izvo zvinoderedza kudzoka zvakanyanya, iyo index index tricks vasina ruzivo rwekusimbisa vatengesi kuti varege kunyatsotarisa zvikamu zvayo. Havana kuona mabhizimisi chaiwo ari kuvhara kana kudengenyeka kumwedzi. Yakabatanidzwa kuva imwe chete yenyorwa yemutengo wezvinhu zvakasikwa, kuburikidza-kupfurikidza nekushanduka kwezvinhu zvinokonzera kuti vanhu vazhinji vararame mari yavo zvishoma-yakakwana.
Iyi yemasvomhu yechokwadi ndicho chikonzero chikonzero chakavanzika chakavanzika chavanoratidzwa mushure mekufa kwavo vaitoda kutenga-uye-vanoita vatengesi, panzvimbo pevatengesi vemabhiza. Vashomanana vane mari yekuenzanisa asi ivo vanenge vose, kune munhu, vakazvibata zvakadai semari yekuenzanisira nenzira yavakawana uye vakagara pauvako hwehudziro. Kusiyana kweropa kunotungamirira kune zvakanakisisa zvinowanzoitika pane zvisingamboiti kana iyo porefti iyo pachayo yakanga ine kunyange modicum ye conservatism. Munguva iyi, avo vasina kutambura. Warren Buffett anofarira kuratidza kuti pane nguva dzakasiyana-siyana mumakore makumi mashanu apfuura umo zvikamu zveBerkshire Hathaway zvakaputika nepamusoro pe50%. Asi, pamusoro pemazera iwayo, nokuti pasi pekuwana mari uye kubhadharwa kwebhuku kwaiwedzera, zvikamu zvakakwira kubva kubva ku $ 7 kusvika ku $ 222,250 mumwe nomumwe.
Yaiva mumigwagwa ine njodzi, ine marwadzo mazhinji. Ndedzipi vatenzi, avo vasina kunzwisisa GAAP kana maitiro ekutsinhanisa kwekutsvaga, kutengeswa mushure mekuona kubhadhara kwekambani yavo yekwereti ? Idambudziko; mutero pamusoro pekusaziva mune zvemari.
"Chokwadi, Joshua," iwe unoti. "Zvakanaka." Ko kana mumwe munhu asina ruzivo kana ane unyanzvi hwakakwana kuti aone Microsoft? " Icho chakanaka, chinotungamirira kune mamwe mashoko akanaka: Mabhizimisi makuru, kunyanya kuvenga , anogona kutakura mvura yakawanda. Pane zvinhu zvitatu zvaunoda kuita:
- Gamuchira kuti, dzimwe nguva, mari yakanakisisa yekusimwa mari yakavanzwa pachena
- Ingotenga zvikwata zvine zvinhu zvitatu zvinodiwa zvekubata kwenguva refu
- Gara kune zvishanu zvigadzirwa zvekugadzira chikwereti chezvikwata zvakanaka
Fungidzira zuva iroro muna 1986, panzvimbo yekutenga Microsoft, wakasarudza kugovera chikwereti chako mumapuranga maviri. Mune imwe, inokwana $ 5,000, iwe unotora chikamu chezvishanu zvebluest blue chips muUnited States; makambani ayo munhu wese aiziva, aive ane mashizha akasimba uye zvinyorwa zvekuwana , izvo zvave zvichange zviri chikamu chehurukuro, iyo yaiva mazita emhuri, uye akanga ari mune bhizinesi kwezvizvarwa, kana zvisati zvasvika zana, uye akabhadhara zvikamu . Tichasarudza mazita akasiyana-siyana anobva kune vakomana vezuva: McDonald's Corporation, Johnson & Johnson, Hershey, Coca-Cola, uye Clorox. Iwe unoshandisa imwe hafu, inokodzerwa ne $ 5,000, kuti ufungidzire pamatokari ane pangozi yepamusoro yaunosarudza iwe pachako iwe unofunga kuti une mukana mukuru wekubhadhara.
Iwe unokurumidza kurasikirwa ne $ 5,000 izvi, zvinoreva kubva pazuva rimwe, iwe uri kugara pane chinotyisa 50 muzana kurasikirwa kwevakuru. Iye zvino, iwe wasara pamwe chete neye anonzi "mukuru wematokari" anoita sepapotikiti yemukadzi wechikadzi Mad era-era. Wakafamba sei? Ko aya mazita anonyadzisa, mazita anovimbisa kusakwana kwese kwepabonde, kufara, kana usiku usiku nenyaya dzinokuderedza here? Kwete!
- Hershey = Yako $ 1 000 yakakura kusvika $ 24,525.92, iyo $ 20,427.75 yakanga yakawanda uye $ 4,098.17 yaiva mari inowanikwa
- Coke = Yako $ 1 000 yakakura kusvika $ 25,562.42, iyo $ 19,574.04 yakanga iri mari uye $ 5 988.38 yaiva mari inowanikwa
- Clorox = Yako $ 1 000 yakakura kusvika $ 20,668.60, iyo $ 16,088.36 yakanga iri muhomwe uye $ 4,580.24 yaiva mari inowanikwa
- Johnson & Johnson = Yako $ 1 000 yakakura kusvika $ 40,088.31, iyo $ 31,521.17 yakanga iri uye $ 8,567.14 yaiva mari inowanikwa
- McDonald's * = Yako $ 1 000 yakakura kusvika $ 16,092.36, iyo $ 12,944.39 yakanga iri muhomwe uye $ 3 147.97 yaiva mari inowanikwa
- Zvose Inoshandiswa = Yako $ 1 000 yakakura kusvika $ 126,937.61, iyo $ 100,555.71 yakawanikwa uye $ 26,381.90 yaiva mari inowanikwa
Pasinei nekurasikirwa hafu yeporofigoreti yako pakutanga - kukundikana kwechikwata kunogona kukuita iwe wevatengesi vakaipa zvikuru vanofungidzira; zvakanyanya hazvo iwe haufaniri hazvo, haufaniri kurega pedyo nekambani yekwereti zvakare sezvo kusarudza kwako mano okukuisa iwe munzvimbo yezvinyorwa zvishoma-iwe wakatarisa $ 10,000 yako ichibhururuka ne 1 269 muzana. Purofesa yako yakawanda yakanakidzwa nehuwandu hwekuwedzera kwegore ye 9.16 muzana. Kunyangwe chaizoitika zvakaitika chikamu chikwereti chako chakakonzerwa ne11,8 muzana, uye imwe hafu yakaputika. Geometric math inobata zvinhu zvoupenzi. Iwe wakawanza mari yako nekunaka, kana kwete chaizvo zveBhaibheri, zvakaenzana. Iwe wakazviita pasina kusimudza mumwe wako kana kuti zvakare zvakare kutarisa pamapatoti ako, sekunge iwe uri wekutsvaga mari; akagara pamashure mako, asingaiti chinhu kwemakore makumi maviri nemashanu, achibvumira kukosha kwemari yemari kushanda kwauri. Kunyange zviri nani, izvi zvinofunga kuti iwe wakapedza $ 26,381.90 mumari yakatumirwa kwauri munzira. Dai wakadzokorora zvikomborero , zvechokwadi, iwe ungadai wapedza kunyanya kupfuma.
Chii chinotora zvose izvi? Kuisa mari iri nyore. Zvinotora zvishoma zvisarudzo zvakanaka, zvakarongeka zvakanaka, kuita zvisarudzo zvakaipa. Chinokosha ndechokubvumira nguva yekuporesa maronda, kusarudza zvaunotenga, kazhinji kutengesa chero chinhu, funga nezvekambani chaiyo inotengesa zvigadzirwa chaiyo kana mazano emari chaiyo pane kupinza mapuroto anovimbisa pfuma yenguva pfupi, uye enda nehupenyu hwako. Nhoroondo, iyo kamukira yakabudisa mamiriyoni akawanda kupfuura chero imwe nzira ipi zvayo yekuzvibata. Kutengesa mabhizimusi uye mararamiro ekutengesa (kuedza kufanotaura kana matengo ematokari achange ari akakwirira kana kuti akaderera munguva yemberi) angaita mamwe maitiro anonakidza asi haasi iyo iyo chaiyo, mari yakagadzikana inoitwa.
* Cherechedza: Inonzi McDonald's calculation inofunga kuti iwe hauna kutora chikamu cheChipotle panguva yekuparadzana kwa2006. Kana iwe wakanga uine, kudzoka kwacho kwaizove kwakakwirira zvikuru uye kuchiita imwe yezvikwata zvakanakisisa zvekuita mumapatotikiti, kudzoka kazhinji, kakawanda mari yakaratidzwa pano seketurrito chain yakakurumidza kupararira muUnited States.