Achipa makumi emakore-kureba kwenguva refu mumusika, vashandi vakawanda vanoda kudzidza kutora mashizha akaita saBuffett. Asi kune vashandi vanoita mari, kusanganisira mudzimai wake, Buffett nguva dzose anodzokera kune imwe nzira yakakosha yekutsvaga-uye iyo nzira isina chokuita nekutora zvimedu.
Zano raBuffett kuMukadzi Wake
Mutsamba yake yegore negore ya2013 kune vagovana , Buffett akataura nezvekufa kwake uye akapa mirayiridzo yakajeka kumatirastidzi akatarisirwa kutarisira nzvimbo yake yakawanda kumudzimai wake.
"Mazano angu kune muteresi haagoni kunge ari nyore. Isai 10% yemari muvhapiti- pfupi hurumende yehurumende uye 90% muS-P 500 index index. Ndinotenda kuti migumisiro yakareba yenguva yakareba kubva pamutemo uyu ichange yakakwirira pane iyo inowanikwa nevashambadzi vakawanda-ingava mari yepenjeni, masangano, vanhu-vanoshandisa mahofisi ekubhadhara mari. "
Uye iyo mazano anoramba achidzokorora. Pamusangano wegore ra2012 weBerkshire Hathaway vashandi vemaoko, anowanzonzi "Woodstock of Capitalism," Buffett akapindura mubvunzo wekuti mutengesi anorevei anofanira kuchengetedza mari yavo: "Ingotenga S & P index fund uye ugare kwemakore makumi mashanu anotevera."
Kuzvidzwa kwaBuffett kune vatengi vemari vanoita mari inodhura zvakajeka.
Uye haasi kuratidza kuti kuvimba kwake kunobata kamwe chete, kwete kunyange Berkshire Hathaway yake. Pane kudaro, anofungidzira mari yekuisa mari muS & P 500 index fund, chirongwa che mutual fund chinotevera kushanda kwe500 emakambani makuru ehurumende muAmerica.
Kutenda kwakasimba kwaBuffett muS & P 500 kwakasimba zvikuru zvokuti anotengesa $ 1 mamiriyoni kuti S & P 500 ingapedzisa kusarudzwa kwemahombekombe akawanda pamusoro penguva.
Kubva zvino, zvinoratidzika seBuffett iri munzira yekukunda.
Asi Handiiti Warren Buffet Inoshandiswa Munzvimbo Dzimwe Dzimba?
Iwe unogona kunge uchishamisika kuti nei bhizinesi raBuffett risingateveri mazano ake. Pashure pezvose, Berkshire Hathaway yakavakwa pakuisa mari mumakambani akazvimirira, uye nzvimbo yayo ine mabhiriyoni emadhora emari inotengeswa mumabhizimisi mumakambani anosanganisira Wells Fargo, American Express, uye Coca-Cola.
Iyo purojekti yakavakwa pafiloyoyo inonzi kukosha kuisa mari , iyo yakapayona naBuffett's muongorori uye purofesa Benjamin Graham. Ratidza kukoshesa kudyara kunorega kuchinja kuve mumisika uye kunonyanya kukoshesa kukosha kwekambani. Buffett neboka rake vanotarisa kutsvaga makambani ane mukana wokukwikwidzana, kutungamira kwakanaka, uye vane huwandu hwepamusoro kupfuura ikozvino mutengo wemari.
Buffett yemitambo yepamusoro yekuenzanisa kukosha kwekambani ibhuku rinokosha pane rimwe . Izvi zvinotarisa kukosha kwezvinhu zvekambani zvichienzaniswa nekutengeswa kwekutengesa, zvichikupa maitiro akachengetedza ezvo iyo kambani inofanirwa.
Kana iwe uchida kutora zvikwata, kukoshesa kuisa mari kwaizova nzira yakanaka yekutevera. Kunyange zvakadaro, ramba uchiyeuka kuti Buffett neboka rake rekutsvaga mari rinoshandisa mabhiriyoni emadhora muzvinhu, uye vane kodzero yekuita zvikwereti zvakakura uye kukurudzira kushanda kwekambani mubazi re Berkshire Hathaway.
Vashandi vemari mumwe nomumwe vanowanzoshanda nezviuru zvemadhora, kwete mabhiriyoni, uye havana nguva, zvinhu, kana unyanzvi hwokufananidza kubudirira kwaBuffett.
Ihwo Uchenjeri hweKutsva Stocks
Chimwe chikamu chakakosha ndechokuti vatengesi vari voga, kusiyana nemuzvikwereti mukuru wezvipatara saBerkshire Hathaway, haakwanisi kutakura kurasikirwa kukuru kunouya nekutsvaga mumusika.
Uye usakanganise: Iyo kurasikirwa ichauya. Munhu wose akanzwa nhau kubva kune mumwe munhu akaita sarudzo yakawanda uye akarova yakafuma-ingave iri kutenga Google kana Netflix stock pamutengo wakaderera nguva pfupi mushure mekuva IPOs, kana kutora kambani yemapurisa mushure memusi weSeptember 11 kutambudzwa. Asi iwe hauna kunyanya kunzwa mumwe munhu akarasikirwa nezvose apo Enron akawira pasi, kana kubva kune vagovheti muGT Advanced Technologies vakaona shamba ravo rava kuda kusina zvazvinobatsira apo Apple akasarudza mutengesi mutsva wegirasi ye iPhone skrini.
Sezvo kune nyaya dzekubwinya mumusika wepamusika, kune nyaya dze kurasikirwa kukuru.
Nzira Yokugadzira Portfolio Yako
Kana iwe uchida kutevera mazano aBuffett kune vashandi vemari mumwe, iyi ndiyo nzira imwe chete yaungaita nayo. Sechiyeuchidzo, heino mazano ake ekugadzirisa purofisi yakagadzirwa nepamusoro pekutsvaga kwekutsvaga mari: "Isa 10% yemari muhupfumi kwenguva shoma hurumende, uye 90% muS & P 500 index index yebhasi."
Ngatitange nezvisungo izvozvo. Sezvakaita neS & P 500, unogona kutenga mutero wekugadzirisa kana ETF kuisa mubhakiti yehurumende yehurumende kwenguva pfupi. Vanguard inopa yake Gwaro Renguva Yenguva Pfupi yehurumende ETF nekombe yeVGSH . Mari yakaderera Admiral Shares mutual fund inowanikwawo pasi pe ticker VSBSX .
Kana iri iyo "yakaderera zvikuru S & P 500 index index"? Nekuda kwechikamu ichi chePortfolio, pane zvakawanda zvingasarudzwa mari.Vazhinji vatengesi vanozotanga neVanguard S & P 500 ETF, chiratidzo chekoti VOO. mutual fund, chikwangwani chinonzi VFINX.Varimi vane mari inenge $ 10 000 kuti vatsaurire kune iyi inogona kuwana mari shoma asi Admiral Shares mutual fund, chiratidzo cheVFIAX.
Takashandisa mari yeVanguard mumuenzaniso uyu nekuda kwemari yavo yakaderera, asi chero mari yekutengesa yaunoshandisa ichava nemasarudzo akafanana.
Makomborero e Index Index
Kuisa mari muhuwandu hwemari kune zvakawanda zvakakosha pamusoro pekutsvaga kushamba.
Instant diversification: Paunenge uchitenga zvimedu, zvinotora nguva yakawanda uye mari yekuvaka nzvimbo dzakasiyana-siyana. Zvakakosha kushandiswa kwekusiyana-siyana kwekambani nemabhizimisi. Imari muS & P 500 index index inokupa makambani 500 panguva imwe chete. Kubata kwepamusoro nekurema kunosanganisira Apple, Microsoft, Exxon Mobil, Johnson & Johnson, Berkshire Hathaway, General Electric, uye JP Morgan Chase. Dzidza zvakawanda pamusoro peS & P 500 urongwa pane peji yepamutemo pa Standard & Poor's.
Bheji muhupfumi hweUnited States: Kubhadhara pamakambani makuru ehurumende mazana mashanu muUnited States kwakaenzana nebheji pane hupfumi hweUnited States. Apo imwe kambani inogona kutevera nguva yaEnron pane imwe nguva, idzi dzakasimbiswa, maBlue Chip makambani achaona nguva yakareba yakagadzikana.
Zvinononoka kudzora manzwiro: Iyo yakanakisisa yekugadzirisa hurongwa ndeyekuenderera mberi kupa zvishoma zvishoma kudarika nguva. Paunotenga uye kutengesa mashizha ega, iwe unogara uchifunga nezvekutenga uye kutengesa. Izvi hazviiti kuti vatungamiri vakawanda vatenge kutenga nekutengesa panguva isina kunaka. Zvinenge zvisingakwanisi kutora nguva yemisika . Pane kudaro, tevera nzira yakaedzwa uye yechokwadi apo unofarira kukwira kukuru mushure memamiriro ekutengeserana.
Nhamba dzepasi dzekutengeserana: Unogona kutengesa mamwe mashizha asingabhadharwi nekuda kwemitengo mitsva yakadai saLoyal3 naRobinhood, asi vatengi vezvevatengesi vanoramba vachibhadhara madhora gumi pamabhizimisi. Kutenga uye kutengesa mashizha ekuvaka pikodhopoti zvinogona kutengesa mazana nemazana zvemadhora. Zvisinei, makambani makuru makuru ehurumende anotengeserana anopa ruzivo rwekuzvitsvaga S & P 500 index index yekusabhadhara mari. Kana iwe usiri iwe unoda, iwe unogona kutevera mazano aBuffett kutenga bhadha yeVanguard yegwaro. Vanguard inopa mhando dzekutengeserana kwemari yako pachako kana iwe ukazarura nhaurwa yevanguard account.
Retire saWarren Buffett .