Kutenga mumwe matanda kunoreva kuisa mungozi.
Nengoro, munguva shoma shoma, mari yako inogona kuwedzera kaviri, kana inogona kunge isina kukodzera chero chinhu. Kusiyanisa kune ine index mutual fund , iyo ine mazana ematokari. Neko mari, iwe haunzwisisi kuona mari yako kaviri nokukurumidza, uye iwe hausiwe unoona mutengo wako wekugovera uchienda kune zero.
Stocks Vs. Mari
Ngatitarisei muenzaniso nekuenzanisa kutenga kwemunhu mumwechete kune kutengwa kwekutsvaga mari.
Ngatiti iwe unonzwa uine chivimbo chokuti chikwata cheXYZ chave chisingakoshi. Iwe unoshanda mubhizimusi, kambani ine nhoroondo yakasimba yekukura kwayo mari, uye inobereka kusagadzikana, yakakwirira-yakagadzirwa.
Nhamba yematengo ichangobva kuwira ne50%. Iwe unofunga kuti mumwedzi gumi nemaviri inotevera, ichadzoka shure ne50%. (Muna madhora, tora shamba yakabva kubva ku $ 60 sezana kune $ 30 a share.Uri nechivimbo kuti zvichazoitika, zvishoma, dzoka zvakare kusvika ku $ 45 pane.)
Iko mari yepamusi yakazara zvakare yakaburuka. I S & P 500 Index fund mune yako account yakaderera ne30%. Yakabva kubva ku $ 60 kubva kune $ 42 agovera. Iwe unoziva kuti misika yakashata, asi iwe hauna kumbofungidzira kuora kunofanana neizvi mune chikwereti chemari, uye iwe uri kuedza kuongorora nzira yekudzorera kurasikirwa kwako.
Iwe unosarudza kuti zvinogona kutora mushamba kwemakore akawanda kuti uwanezve, asi kana iwe wakatengesa yako index index uye wakatenga zvigadzirwa zve XYZ, chikwereti chako chinogona kukurumidza kukurumidza.
Zvinonzwisisika.
Dambudziko nderokuti, mumusika wepasi rose, uye nokudaro yako index index, haisi kuenda kune zero kukosha. Nhamba yako yeruzhinji haizomboiti chinhu chimwe chete.
XYZ chikafu kune rumwe rutivi, chinogona kupfuurira kuenderera pasi mukoshi, uye mumamiriro ezvinhu akaipisisa, faira yekusvitsa, kukusiya iwe pasina.
Ngozi yako inogadziriswa nemunhu. Chigumisiro chako chinoenderana nemugumisiro wekambani imwe chete.
Chii chingaita kuti stock XYZ ienderere mberi? Zvinhu zvakawanda zvakadai se:
- Mhosva pamusoro pekambani nekuda kwechigadzirwa chakashata.
- Kupera kwekutengesa / kubhadharwa nokuti mupikisano anouya nemuchero unenge uri nani.
- Kuverenga kwekodzero kana kukanganisa kwakaita kuti kambani iwedzere mari yakawanda.
Kana iwe uchitenga mashizha eXYZ, unogona kuwana lucky, uye sengo ichakwira nokukurumidza kupfuura misika. Kana iwe ungasawana mukana, uye chikwata chinogona kuramba chichidzika pasi mukukosha; kunyange yose kusvika kune zero.
Kana iwe uchichengeta index yako fund, unoziva kuti misika ichadzoka. Mikana yako yekuwana nokukurumidza haisi yakakura. Zvisinei, iwe wabvisa mukana wekurasikirwa kwakakwana.
Stock No Brainers
Kana zvasvika kumunhu mumwe chete, kune vanongorori, kambani insiders, vatungamiri vekutsvaga, nevamwe vakawanda vanobwinya uye vanogona kuongorora iyo mhando sezvauri. Kana mutengo wematengo unowoneka uri pasi, iwe unofanira kumira uzvibvunze, "Chii icho icho misika inonyatsoziva pamusoro pechinhu ichi chandisingazivi?"
Ndakatarisa vanhu vazhinji vanotenga mashizha akaonekwa se "asina mazano". Mumasvondo mashomanana mashomanana, muparidzi wacho akatemwa, kurasikirwa kwekambani yekambani kwakatanga kuziviswa, mhosva yakaiswa, kana chimwe chiitiko chinokuvadza chakakonzerwa nechocho chakakonzera kuti mamiriro acho ezvinhu aende kune akawanda, kana kuti zvakanakisisa, akasiira mutengo wawo uripo kwemakore akawanda.
Edza Dambudziko neZvakanaka Pamusoro Pemari Yenyu Iripo
Kana iwe uchienda kunotenga mumwe wematokari, ziva njodzi yaunotora. Zvibvunze mibvunzo miviri iyi:
- Kana zvakakaguma zvaunotarisira zvikaitika, zvingave zviri nani pane izvo zvingakusiya iwe here?
- Kana zvakaipa zvisingaiti zvinofanira kuitika, zvakanyanya kuipa sei zvingakusiya iwe?
Izvozvo zvinokonzerwa nemigumisiro yakanaka zvinokonzera njodzi dzingangova nemigumisiro yakaipa here?
Ingoyeuka, kana iri nhumbi yaanoziva, iwe uchafunga kuti mamiriro asina kunaka haabviri.
Muna 2001 ndakashanda pane imwe kambani yeCPA yakashanda nevashandi vakawanda veIntel. Intel (INTC) chikwata chakanga chabhadharwa mari inopfuura $ 70 nehafu. Takatarisa vashandi veIntel vanoramba kuparadzanisa, uye takatarisa zvikwata zvavo zvekutengesa zvinoderera nevanopfuura 70%. Vakawanda vevatongi ivavo vakatenga mari yakawedzerwa, vachiomerera kuti ichadzoka zvakare.
Muna 2016, mutengo wekugoverana uri kutengesa madhora makumi matatu nemazana matatu. Handifungi kuti iyi ndiyo mungozi iyo vanhu vakawanda vanofanira kutora nemari yavo yekurega.
Sezvo iwe uri pedyo nekurasikirwa unoda kuderedza njodzi, kwete kuwedzera ngozi. Kushandura kubva mumatokisi ega kunogona kubatsira kuita izvi.