Kutora Tarisa Nhoroondo Yakare Yekuti Bonds Dzakachengeteka Kupfuura Zvitoro
Muenzaniso unogona kukubatsira iwe kunzwisisa chirevo. Fungidzira iwe une chisarudzo pakati pekutsvaga kwezvikwata zviviri zvepodfolio yako.
Chekutanga isungo inobhadhara chikwereti che8,5% gore negore. Kana iyo kambani inopera, iyi humwe hutano hutatu mumutsara mushure mevamwe vanokweretesa chero chipi zvacho chinosara kana pfuma yave ichibviswa, iyo dzimba inotengesa, nezvimwewo. (Izvi zvinonzi "kushandiswa kwekutengesa". vauya kutanga, saka vanosarudzwa nevatengi vemabhiza, avo vanogara vari vatengesi vematokari asi boka rega rega rakasiyana-siyana, hongu, kazhinji, unoda kudzivisa kuisa mari mubhadhadzi mamiriro ezvinhu, iyo yakaoma uye vazhinji varairima vashaya ruzivo, ruzivo, uye zvigadziro kutora kubatsirwa kwemamiriro ezvinhu anokosha.)
Chechipiri mari inowanikwa muhomwe yekambani isina chikwereti inoshandisa p / e chiyero chegumi, iyo inowanikwa mubereko we 10%. Inenge 50% yehuwandu inotumirwa kune vashandi gore rimwe nerimwe sezvikamu, zvichiita kuti mugove wegoveri we 5%. Kutarisira kwakanaka, kutengesa kwakagadzikana uye kukura zvishoma zvishoma kupfuura kutengesa kwezvinhu, uye kana chimwe chinhu chisingafadzi, vashandi vanochengetedza ndivo vanove vokutanga mumutsara mukusarudzwa kwavanenge vachida sezvo pasina vashandi kana vashandi vanodiwa mberi kwavo.
Muchiitiko ichi, ndaifunga kuisa mari muchikwata kuti ive yakachengeteka kupfuura kudyara muhutano. Akashamisika? Pane zvikonzero zvakawanda zvekutenda kwangu.
Zvikonzero Zvingave Zvichifunga Nekiyo Yakachengeteka Kupfuura Chibvumirano
Kune zvikonzero zvakasiyana-siyana zvandingazofunga nezvekuchengetedzwa kwezvakachengetedzwa kwevignette kupfuura yezvisungo.
- Nyaya haina chinhu pamberi payo. Inotanga mumutsara mumashoko ekutsvaga kushandiswa. Sezvo Benjamin Graham akati mu1934 edition yebhuku rakakurumbira, Security Analysis (iyo inonzi "Bhaibheri rekutsvaga"), imwe nhumbi isina chinhu isina mberi kwayo inofanirwa, nedudziro, ichinyatsochengeteka sechisungo chisina chaipo yaro nokuti kana chimwe chinhu chisingafadzi, ivo vanhu vokutanga vari mumutsara kugamuchira chero chakasara mushure mokunge vashandi, varidzi venyika, vatengesi, uye vamwe vakweretwa kare vasati vabhadharwa.
- Izvo zvikwereti zvinotora chikwereti chinokwana 8.5% gore negore asi pasi pemitemo yemitero yemazuva ano, izvi zvinoshanda kumusana wekugadzirisa we553% nokuti chikwereti chako chaunowana chinoteresa semari inowanikwa mari. Izvozvo zvinoreva kuti mumwe munhu ari mubhadharo yepamusoro yemitero anorasikirwa ne 35% yehutano hwavo hwehutano kumitero, pamwe chete nemitero yehurumende yaizodhadirwa. Nzvimbo yacho, zvakasiyana, inokwana 5% mugove wekugoverwa asi zvikamu zvinokonzerwa pamutengo wakakura we 15%. Izvi zvinoreva chikamu chekugoverwa kwemitero ine 4.25%. Nokudaro, musiyano pakati pezvibereko zviviri hausi ma3,5% sezvo zvaizoonekwa pasi, asi zvinokwana 1.28%
- Zvinokwanisika, kana zvinhu zvikaenda zvakanaka, kuitira kuti chikwata chiwedzere chikamu chayo chikamu chekubatsira mubhadhari kuti arambe achifambidzana nekutengesa kwenyika sezvo makambani anowedzera mutengo wezvigadzirwa nemabasa avo. Nechibvumirano, iwe unowana chikwata chechikwata chechibvumirano uye ndizvo zvazviri. Kana kuwedzera kwemakore kwakadzokera kumakore eVaMutungamiri Carter naReagan, iwe unenge uchirasikirwa nesimba rekutenga gore roga roga kana iwe wakapfigirwa muchibvumirano (ndakanyora pamusoro peizvi muKubatsirwa kubva kuChishanu) Zvishoma kuti mukana wacho une mukana wokukunda dambudziko re kutsika kwepamusoro, kunze kwekuti isiri yebhizimisi rakanyanyisa iro rinoda mari yakawanda, yakadai sedare resimbi kana kuti rakakura rakakura simba.)
Kana Mabhizimisi Asingachengeteki Nguva Dzose Kupfuura Masoro, Nei Nhema Dziripo?
Saka, nei, nharo yekuisa mari muzvisungo ndeyokuchengetedza kunze kwekuti kuisa mari mumatanda kunoramba kuchienderera kana zvisinganyatsooneki mumatambudziko ose? Nokuti vakawanda vatsva uye vasina ruzivo vanokanganisa vashandi vane ngozi. (Kudavira ndiro izwi rinorondedzera mitengo yeasset inofamba kakawanda, nokukurumidza, uye dzimwe nguva yakakwirira zvakanyanya kana yakaderera. Ako inogona kuwedzera kana kuderera ne50% kana kupfuura mugore.) Haisi nguva imwe chete chinhu chakafanana. Izvi zvingasava zvine musoro kwauri, asi pane zvakawanda zvevatengesi munyika iyo vanozofara vachifunga kuti vari kuwana hupfumi hwemazana nezana nemashanu pamari yavo gore roga roga, kunyange kana vakaguma ne 5.53% mushure mumiriri munyika kubva ku11% kuwedzera kwenyika, kupfuura ivo vaizove vachifambidzana nekutengesa kwezvinhu, vachiwana zvakakosha uye kutengesa simba pamusoro penguva refu, asi vachifanira kutambura kuburikidza nemadonhwe makuru uye kuwedzerwa sezvo mutengo wematengo unopfuurira.
Vanonyengerwa nekuda kwezvakaitwa nehupfumi Irving Fisher ainzi "The Money Illusion".
Ichokwadi chinouya kune chinangwa cheGraham kune vadzidzi vake vanoita mari: Pamusoro pemashoko api, uye pamutengo upi? Zvikwereti, sechimiro chekutsvaga mari, hazvirevi hazvo zvakachengeteka chero zviyero zvingangove zvine ngozi. Icho chinouya kune zviri shure kwekuchengeteka uye kuti unobhadhara zvakadini. Ndizvo zvakananga zvemukana wega unofunga. Unofanira kuita basa rako rechikoro.
Mamwe Mashoko Pamusoro Pokuisa Muzvikwereti
Kana iwe zvakanyanya uchida kufunga kuwedzerwa kuchengetedzwa kwakafanana nekubatana kwehutano kumapato ako emari, chengeta nyaya ino pamusoro peshumo yekuisa mari iyo inogona kukubatsira kutapudza njodzi uye kuita mari yakawanda kubva panzvimbo dzako .