Nzira Dzakaita 3 Unogona Kuita Mari Kuzviisa MuStock

Iko Kunongova Nhatu Zvimwe Zvisizvo Zvakakosha Zvokubhadhara Kwamuri Sekunze Mutengesi

Paunotanga kuisa mari muchikwata, zvakakosha kunzwisisa kuti iwe ungakwanisa sei kuwana mari kubva pakuva nemugove; kuti unzwisise zvakanyanya kuti kuwedzera kwehupfumi kunogadzirwa sei iwe uchifunga kuti wakasarudza nzvimbo yako nekuchenjera. Kunyange zvazvo ichiita sechinhu chakaoma, pachikamu chayo, iri nyore.

Ngatitorei nguva kuti titarise kuisa mari mumatanda kuti tifananidze kuti nzira iri nyore sei.

Kukosha kwemugumo wekoti kunofanira kuenzana nemari yezvikamu zvitatu:

1. Chikamu chekutanga chekugoverwa pamari
2. Kukura kwekukosha kwemugove wega wega (kune firms akawanda, izvi zvakaenzana nekukura kwekuwana mugove wega wega pane zvakanyatsodzivirirwa hwaro )
3. Iko kuchinja kwehuwandu kunoshandiswa kumatare ehurumende kana zvimwe zvinhu, zvinowanzoenzaniswa nemutengo-kusvika-kuwanikwa kwehuwandu

Ndizvozvo. Iyo ndiyo nzira nhatu chete iyo mumwe munhu anodyara muchikwata anogona kubatsirwa nehupfumi. Anokwanisa kuunganidza mari yemiganhu , anokwanisa kuwedzera kukura kwemupiro wega wega wega, uye anogona kugamuchira zvimwe kana zvishoma kune $ 1.00 mune purogiramu kambani inobatanidza zvichienderana nehuwandu hwekutya (kana kutya) kana kuvimba (makaro) mune zvehupfumi, izvo zvinotungamirirawo kuongororwa kwevakawanda, inozivikanwawo semutengo -ku-kuwanikwa kwemari .

Kune mamwe makambani, akadai seAAT & T, chikamu chekutanga ( mugove wekugoverwa ) inokosha. Kune vamwe, vakadai saMicrosoft kwemakore makumi maviri ekutanga, hazvirevi kuti kudzoka kwose kunobva kune chikamu chechipiri (kukura muhutano hwemukati kuburikidza nekugoverwa zvakakwana) sezvo guru guru re software rakakura kusvika makumi emadhiriyoni emadhora mumari yakawanikwa pagore.

Pane nguva dzose, chikamu chechitatu, kukosha kwezvinhu zvakasiyana-siyana, kuri kuchinja kwepamusoro asi kwakaenzana nezvikamu 14,5x zvakawanikwa kwemakore mazana maviri kana kupfuura muUnited States. Izvi zvinoreva kuti misika yakange yakagadzirira kubhadhara $ 14,50 pamadhora ega ega 1.00 mumutengo wekambani yakasimbiswa.

Kushandisa Idzi Nhungamiro Nhatu Dzokudzorera Kudzorera Kwemangwana Pakutengeswa Kwako Kwema Market

Chimbofungidzira iwe unoda kuisa mune imwe yemonamade iyo ine chete (1) mugove wezviyo zvakasara.

Iromonade stand propriétaire inopa kukutengesa iwe chikamu ichi chesaiti . Chikamu chako chekutanga chinokwana 4%. Bhizimisi rinokura pa10% gore negore. Iwe unobata chikamu kwemakore makumi maviri nemashanu uye wedzera kambani usati wazvitengesa.

Nhamba yezvakaitika kare yekuwana mari yehutengo yemusika wekutengesa ndeye 14.10. Apo ini ndakatanga kunyora nyaya ino, S & P 500 yakakosha paef / e ye 14.07.

Pamitengo iyoyo, ndinofunga kuti pane humwe uchapupu hwokuti mutengi anotenga uye anogadzirisa mari yakaderera yemari yakadai seS & P 500 yemakore makumi maviri nemashanu anotevera uye kudzorera zvikwereti zvose zvine mukana wakanaka wekuwana mhemberero chaiyo ) Mutengo wekudzoka pamusoro we7% wakawedzerwa gore negore. Mukutaura kwesimba rekutenga, izvo zvinogona kuchinja mari inodarika madhora gumi nemakumi maviri nemadhora makumi maviri nemakumi maviri nematanhatu mushure mekutengesa mitero, izvo zvingave zvisina kukweretwa kana iwe wakachengetedza zvikwereti zvako kuburikidza nekodhi-yakabhadhara kero yakadai seRoth 401 (k) kana Roth IRA .

Kwemakore makumi mashanu anotevera, iyo imwechete $ 10,000 inotengeswa inogona kukura kusvika $ 294,570 muchokwadi, inflation -gadziriswa mazwi. Uyu ndiye murume wemakore makumi matatu nemakore kana kuti mukadzi anoshambadzira mari kusvikira ari makore aWarren Buffett .

Yakatarirwa neimwe nzira, kana iwe uri mutori wemakore makumi matatu nemakumi matatu uye iwe ukaisa $ 100,000 mune S & P 500 index index kuburikidza nekodhi-yakabhadhara kero, iwe une pfuti yakaisvonaka yekutenga simba rakaenzana ne $ 3,000,000 nenguva iyo iwe uri Warren Bhuku raBuffett risina kuponesa imwe penny .

Iyi ndiyo nzira yekushandisa iyo yaunofanira kushandisa kushandisa mari yako

Kutarisa pamari yako yekutengesa ndeyeyo chete nzira yakachenjera yekushandisa pfuma yako. Pose paunenge uchitarisira kuwana umhizha mune bhizinesi - ndizvo zvauri kuita apo iwe unotenga chikamu chematokari mune kambani - unofanira kutora chikamu chepepa kana kadhi rekanyorwa uye nyora pasi zvose zvikamu zvitatu, pamwe chete nemapurojekiti ako ivo.

Somuenzaniso, kana uri kufunga nezvekutenga zvikamu zvezvikwata muKambani ABC, unofanira kutaura chimwe chinhu pamiganhu yekuti, "Zvandinowana kutanga kwekugoverwa kwezvibereko pahuwandu huwandu hwe3,5%, ndinoronga kukura mune ramangwana muhomwe yega yega ye7% pagore, uye ini ndinofunga kuwanda kwemazana emazana makumi maviri nemashanu ekuwana mari iyo inowanikwa panguva ino ichagara munzvimbo. "

Kuzviona papepa, kana iwe uine ruzivo, iwe unoziva kuti pane chikanganiso.

Inenge 25x yezvikwata zvinowedzera pa7% pagore munyika yanhasi yakawanda kwazvo *. Nzvimbo yacho inotaridzika, kunyange pane imwe sarudzo -yakagadzirirwa PEG ratio . Chero chikwata chokukura chinoda kunge chichikwirira, kana kuti kuwanda kwevakawanda kunoda kubvumirana. Kana uchitarisana nemusoro wako wekufungidzira, uye uchiruramisa pakutanga pakutanga, iwe unogona zviri nani kuchengetedza kusava netariro yakasimba iyo kazhinji inoguma mumatengesi ematengesi evanhu vatsva.

* Kuwanda kwezviwero, kana kuwanikwa kwezvipfeko zvinowanikwa, nguva dzose inofananidzwa neinoti "risina ngozi" yehuwandu, iyo yakave ichionekwa seUnited States Treasury bond yield.

Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kushivirira kune ngozi, kana mamiriro emari yemumwe mutengesi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.