Mune zvimwe zviitiko, vatengesi vave vakaudzwa kuti hazvina kunyanya kukosha zvavari, ivo chete vane dzidzo dzakanaka dzemakirasi . Kune umwe munhu anopa mari anonzwisisa, uku ndiko upenzi hwakachena. Iko pakupedzisira ndiyo nzvimbo yega yega inobatsira, uye pasinei nezvimwe zvinoshamisika mune zvezvematongerwo enyika zvingave zvaunotenda iwe, huwandu hwehupamhi hwehupfumi hupi hupi hahukwanisi kudarika humwe huri hwehutano hwehumwe humwe humwe humwe hutsika - kana uri kugara pamurwi wejunk, kuwedzera zvakasvibiswa hazvisi kukuchengetedza zvakachengeteka.
Kutaura zvakasiyana ndezvimwe zvinhu zvisina maturo izvo zvakatungamirira kumabhasikiti ezvikwereti zvinokonzerwa nezvikwereti zvakagadzirwa ne-sub-par masimba anowana kuenzanisa kwema grade ! Kana nhoroondo yave iri nhungamiro, pasina humwe hwemabhizimisi kana huwandu hwemafambiro ehupfumi, iwe unenge uri nani zviri nani kuva nehuwandu hwekutsvaga kwemazana edzimba kupfuura zvikamu zveAmerica Airlines pamusoro pezana remakore remakore rinotevera kunyange zvazvo sangano rakazara , sekirasi, inowanzoendesa kumakamuri akakwirira ekuwedzera kwegore gore kwenguva refu.
Ndapota musanzwisisa zvangu. Diversification chinhu chinoshamisa uye pfungwa ye "usaisa mazai ako ose muhomwe imwe" ndeyeuchenjeri kune avo vasingakwanisi kana vasingadi kuongororwa kutengesa kwemikana yekutsvaga. Kunyengera hakusi kutora kure; kubhadhara kuhofisi yemapirofumi ekugadzirisa zvisizvo paanenge achiyera zvekutengeserana.
Ndezvipi Zvakawandisa Zvokuita Dhizizi Zvakawandisa Muhutano Hwako?
Pane zvipingamupinyi zvakawanda mukuwana zvikwata zvakawanda, zvisungo, zvivako zveimba, kana zvimwe zvinhu zvinogona kuongororwa zvakakodzera.
Ndezvipi zvakasiyana-siyana zvakawandisa? Kakawanda, muvhareji wepamusoro anofanira kunge asingabatanidzi makumi maviri kana makumi matatu akasarudzwa akasarudzwa, akasarudzwa akasarudzwa nematokari, anowirirana nechimwe chikamu chikamu che 3.33% kusvika ku500%. Zvechokwadi, iye anofanira kunge ane zviduku zvinopfuura zana.
Kuti udzidze zvakawanda pamusoro pechinyorwa ichi uye ugoenda mune masvomhu, verenga Kuwanda kweDissification Kwakwanei? .
Kusiyanisa zvakasiyana-siyana kudarika izvi, kunyanya kune vasiri vadzidzisi vasina ruzivo uye nguva inofanirwa kuongorora nguva dzose maitiro ekushanda emabhizimisi nekuverenga mushumo wegore uye 10-K kufungisisa , inopa zvinotevera zvinetso (cherechedza kuti chiyero ichi hachishandi kune avo vanozviisa pangozi arbitrage kana kutengwa kwekushanda kwekodzero dzemari ):
- Kuwedzeredza Kuwedzerwa Kunogona Kuita Kuti Udzikise Kuda Kwemari Yenyu - Paunogona kuwedzera chero chinhu nezvose kuhofisi yako yepamusoro, iwe unonyanya kusunungura maitiro ako akachengetedzwa, akachengeteka , uye nokudaro unogamuchira kambani yakawanda kana yekutengesa kwematengo . Zvinowanzoitika, muchikamu, nokuti chinzvimbo chimwe nechimwe chinomiririra kudhura kwekuita. Bhizimisi Billionaire Warren Buffett akakurudzira kunyengera kwepfungwa kuti atendere ichi. Akaudza vatengesi kuti vafungidzire kuti vane punch card ine masero makumi maviri chete . Nguva imwe neimwe pavaiita mari, vaizofanira kurova chimwe chezvinhu izvi. Pane imwe nguva ivo vakabuda kunze kwezvikwata, vaisambokwanisa kutenga imwe yekusimwa kwehupenyu hwavo hwose. Buffett akataura kuti kusarudzwa uku kunogona kuita kuti tive nemafungiro akawanda ekuti vanhu vadzidze nezvezvinhu zvavari kuisa mari yavo kushanda, zvichiita kuti vasarudze kutora mungozi uye zviri nani.
- Kuwedzerwa kweDissification Kunogona Kuita Kuti Usakanganise Zvaunofunga - Kana uchingoshandisa chikepe chechifambi chinosvika umo kusasvibiswa kunotorwa kumatanho akawandisa, iwe unenge usisina nguva yekufungisisa kune imwe neimwe yekutsvaga; kucherechedza kuchinja kwechokwadi mune bhizinesi rekushanda rinoshandiswa sekuita kuderera kukuru mumiganhu kana kukwikwidzana kusvikira kwave kuchiparadza kukosha kwemukati.
- Kuwedzerwa kweDissification Kunogona Kukuita Kuti Udzikise Mazano Ako Akanakisisa Sezvo Chero Chimwe Chinhu Chine Iva Nechidiki Muduku Pamusoro Pepanhau - Paunenge uchiita zvakasiyana-siyana, hupfumi hwako hunopararira zvakanyanya zvokuti kunyange hutano hwakanaka hunongova nechepakati pekunaka kwehuwandu hwehuwandu . Somuenzaniso, panguva yematambudziko ebhangi, zvakanga zvakajeka kuti mashomanana emasangano aiva akawanda, kakawanda akaoma kupfuura vadziviriri vavo; rock-solid balance sheets, simba rakanyora pasi pasi, maitiro mashoma. Izvi zvikwata zvakarohwa pasi pamwe nekumhanya zvisina kunaka, mabhiriji emiganhu-in-insolvent. Sei munhu ane njere achida kutenga mabhengi ose akaenzana kana kune imwewo nyika-ye-board accumulation strategy? Sei vachida kuisa mari yavo yakaoma-yakawana muchina yavo, kana gumi nemanomwe pakurongeka kwavanenge vachiri kuwedzera kune yavo yekutanga, yakanakisisa pfungwa pasina kutora dambudziko rakawanda?
- Kuwedzerwa kweDissification Kunogona Kuwedzera Kuwedzera Kwezvaunotenga - Kunyange zvazvo izvi zvisinganyanyi kunetseka apo varairidzi vanopfuura kupfuura, vanoti, $ 500,000 mune mari inotengeswa inotengeswa iyo mari yekutengesa uye zvimwe zvinodhura zvikamu zviduku zvakanyanya zvemahofisi ose, $ 10 kana kuti pasi pekutengeserana kunogona kuwedzerwa kana uri kutarisana nevakawanda uye nzvimbo dzakawanda dzevanhu.
Iko Nzira Dzokuwana Kuwedzerwa Kwakakwana Pasina Zvose Zvinodhura kana Huple
Kana iwe uchida kuchengetedza chikamu chemahofisi asina kukanganisa kana kukanganisa mari yekutsvaga mari yega, iwe ungada kufunga HOLDRs, Diamonds, Spiders, kana zvimwe zvekutsvaga mabhasiki kana kuratidza mari . Zvakawanda zvezvivimbiso zvekutengeserana sematokari pamusika wakasununguka uye inoratidziro yemari yekutsinhanisa-traded fund kana ETF . Misiyano ndeyokuti, kana iwe uchitenga HOLDR , somuenzaniso, uri kutenga zvakakwana kutenga zvikamu mumakambani akawanda mumakambani akasiyana kana munharaunda . Vatengesi vanotenga dhamondi vari kutenga chikamu chimwe nechimwe chezvikamu makumi matatu makumi matatu nematatu zvinoumba Dow Jones Industrial Average naizvozvo pamwe chete nebhizimisi; uri kutenga Dow Jones. Izvi zvinogona kuva zvishandiso zvinoshandiswa mukutsvaka kwako kuvaka dhigiriiyo yakasiyana-siyana panguva iyo zvichikosha kuderedza mari yekutengesa uye mari yekubhadhara.
Mutsara paPorfolio Rebalancing
Kazhinji, haufaniri kutotengesa chikwata bedzi nokuti yakawedzera mumutengo. Munyika yekusiyana-siyana, pfungwa yezvinonzi "rebalancing" yakagamuchirwa zvikuru. Kana zvakakosha zvebhizimisi ( margins , kukura , kukwikwidzana , kutarisa, kutarisa, nezvimwewo) hazvina kuchinja, uye mutengo uchiri kuonekwa seine njere , ihwo upenzi kuti utengese kubata kweimwe bhizinesi risina unhu hwakafanana kunyange kana yakasvika kuzomiririra chikamu chakakura chekukosha kweiyo kwepodfolio yako. Nzara yemenenja yemari Peter Lynch akadana tsika iyi, "kudzvora maruva nekudiridza masora." Mubhadhari weBillionaire Warren Buffett anotiudza kuti, "iwe upenzi hwakanyanya paWall Street ndewekuti," iwe haugoni kuenda kuputsa pfuma ".
Zvechokwadi, murimi wekutanga anotenga zvikamu zveMicrosoft kana Coca-Cola sechikamu chemahofisi epakati pezvikwata angadai akaitwa mamiriyoni kakawanda pamusoro pekunge akangosiya mabhizimisi aya akaisvonaka oga . Kune rimwe chete murairo wekutanga wekutsvaga mari: Mukufamba kwenguva, bhizinesi rezvemabhizimisi richagadzirisa kubudirira kwebato rako kana kuchengetedzwa kwakatengwa pamutengo wakakodzera.
Izvo chete kunze kwemurairo uyu wandinofunga kuti unofanirwa apo iwe unosarudza kuti haugoni kuisa pangozi chimwe chikamu chemari. Hazvina mhosva kuti bhizimisi ringave rakakura sei, iwe ungasave wakagadzikana neanopfuura 10%, 20%, kana 50% yemutero wako unokosha mauri. Mumamiriro ezvinhu akadaro, kuderedzwa kwengozi kunonyanya kukosha kudarika kudzoka kwakakwana.