Kuita Nokuchenjera Ndihwo Chinokosha Kubudirira Kwenguva Yakareba Kwokufambiswa KwemaPortfolio
Kune chikamu chisingaiti-chikamu chevatengesi, ndezvemamiriro ehutano uye manzwiro anoita manzwiro. Pasinei nechinangwa chavo chakanakisisa, ivo, pasina mubvunzo, ivo vavengi vavo vakaipisisa , kuparadza pfuma kuburikidza nehutano hwakanaka uye kusarudzo kunobva pane kunzwa kunze kwechokwadi.
Ndinotenda zvimwe zvinhu zvinogona kubatsira mutyairi kuti anzwisise chinangwa uye chimiro chekugoverwa kwemari. Kunyange zvazvo mazano aya asingagoni kujekesa migumisiro, tariro yangu ndeyekuti nekuisa pachena nekukurukurirana zvimwe zvikanganiso zvakakanganwa uye kukanganwa kukanganisa, zvichava nyore kuti iwe uzvione mumazuva chaiwo.
Dzivisa Kuzvipira Mukuro Kwaunosinga Kunzwisisa
Vanhu vanoita sevanokanganwa chokwadi ichi chekutanga kana vasingakumbirwi. Ndinosarudza kuzvidzora muzvishoma zvitsanangudzo zvinogona kukushandira zvakanaka kana iwe ukazvichengetedza kumashure kwepfungwa dzako.
- Iwe haufaniri kuisa mari kune imwe yekutsvaga kwekutsvaga. Usarega chero munhu upi zvake achikuvimbisa iwe zvimwe. Ndiyo mari yako. Iwe hausi chete simba rekutaura ikozvino, asi kodzero yekuzviita, kunyange iwe usingakwanise kutsanangura kufunga kwako.
- Mikana yakawanda ichauya muupenyu. Usarega kutya kwekushayikwa kuchiita kuti uite zvinhu zvoupenzi.
- Kana iwe kana munhu ari kutarisira mari yako haagoni kutsanangura chikonzero chepfungwa yekutsvaga - iyo uye sei iyo mari inogadzirwa, sei iwe uri kubhadhara mari iyoyo, uye kuti mari yacho ichazopedzisira yawana sei nzira yayo muhomwe yako - saka iwe hausi kuisa mari. Uri kufungidzira. Iyo inogona kushanda muchidimbu chako, asi iyo mitambo ine ngozi iyo inonyanya kufanoitika kana, kana zvishoma, inongororerwa pane zviduku, chikamu chakasarudzwa chepodfolio yako iyo haina kusanganisira kushandiswa kwemuganhu .
Kuwanda kukuru kwekutambudzika uye kutambura kunogona kudziviswa apo izvi zvidzidzo zvitatu zvinoremekedzwa. Usavadzingirira nokuti vanonzwika sevanonzwisisa. Sezvo Voltaire akakurumidza uye akanyatsocherechedza, "Kutaura kwakanakira hakusi kwakakurumbira."
Inzwisise Iko Marcko kukosha uye kukosha kwepfungwa zvakasiyana
Fungidzira kuti wakatenga chivako chehofisi muMidwest, achibhadhara mari pasina chikwereti chekutengesa pamba. Mutengo wako wekutenga waiva $ 1 mamiriyoni. Chivako chiri munzvimbo yakakura. Vashandi vacho vane simba rezvemari uye vanovhara muzvikwereti zvemazuva mazhinji izvo zvinofanira kuve nechokwadi kuti cheki dzekubhadhara dzinoramba dzichiyerera kwemakore akawanda. Iwe unounganidza $ 100,000 pagore mukusununguka kwemari yakasununguka kubva muchivako mushure mekuvhara zvinhu zvakadai semitero, kuchengetedza uye mari inoshandiswa kwemari.
Zuva mushure mekutenga chivako chacho, bhizinesi rebhangi rinowira. Vashandi havagoni kuwana maoko avo pamari yekubhadhara chikwereti uye, semugumisiro, hupfumi hwepfuma hunoora mwoyo. Pamusoro pegore rakatevera, zvivako zvakatengeswa $ 1 Mamiriyoni zvino zvinoenda kune $ 600,000 chete nokuti vanhu chete vanogona kugona kuwana mari ndivo vanotenga mari.
Hapana mubvunzo mumamiriro ezvinhu aya kuti kana iwe uchiedza kuitengesa, zvichida kutenga mutengo weimba yako ingadai yakawanda kudarika mutengo wawakabhadhara.
Iwe unogona kuwana $ 600,000 iwe uchifanira kuirapa pamusika wakashama. Iwe unogona kukwanisa kuwana mutengo wakanyanya nani kana iwe uchikwanisa uye uchida kutakura chikwereti chekutengeserana pachivande pane iwe unoshanda sebhangi kune mutengi, uyo anoramba achiendesa chikamu chemari yekubhadhara sechimiro chekufarira pane chikwereti chinyorwa kwauri pashure pokunge watengesa chivako chauri kubata ikozvino. Kunyange zvakadaro, kana iwe wakakwanisa kukwidza pamashoko ekutengeserana pamatoro ako emari, iwe unenge uri pasi nenzira yakakosha pamapepa. Zvingava zvechisimba.
Kune vashandi venguva refu, izvi hazvirevi chinonyanya kukosha nokuti vatengesi vechokwadi mumashoko aBenjamin Graham , baba vanozivikanwa vekukosha kwekutsvaga, vatengesi vechokwadi havawanzogombedzeri kutengesa zvinhu zvavo. Pane kudaro, vakashandisa mari yavo zvakachengetedza zvakakwana zvokuti vanogona kugara pamatambudziko anoodzwa kwemakore panguva imwe, vachiziva kuti vachiri kuwana mukana wakanaka wekudzoka kana vachienzaniswa semari inoyerera ndeyayo maererano nemutengo wavakabhadhara nokuda kwebasa ravo .
Munyaya iyi, kana chivako chako chinogona kutora $ 600,000 kana chero imwe nhamba pachikwereti hachina kukodzera kana ichienzaniswa neicho chiri kuunganidza $ 100,000 mumusana wekusununguka kwemari kubva pauri hwako. Ndicho injini yezvemari. Icho ndicho chikonzero chechokwadi kana chepfungwa. Graham akataura nezvoupenzi hwekugumburwa mumamiriro ezvinhu akadai sekuti izvi zvaive zvichiita kuzvibvumira kuva nemanzwiro ekudengenyeka nemamwe mhosho evanhu mukutonga. Izvi zvinoreva kuti haufaniri kutarisa kumutengo wemusika kukuzivisa iwe kukosha kwepfuma yako. Iwe unofanirwa kuziva kukosha kwepfuma yako uye kukwanisa kudzivirira kuverenga kwayo uchishandura-inofungidzirwa, zvidzidzo zvidzidzo. Funga nezvemutengo wemusika sechinhu chimwe chaunogona kushandisa kana ukasarudza - hapana chimwe chinhu, kwete zvishoma.
Ichi chirevo chinoramba chiri chechokwadi pamakira akawanda emasitadhi . Kana uine danda rebasa mune bhizinesi rakanaka uye rine hutano hwakanaka pane hukuru , hukama hwakasimba hwekukwikwidza hunoita kuti zvive nyore kusunungura munharaunda yaunopiwa kana yebhizimisi , uye bhodhi revatungamiri avo vane chikwereti-vane ushamwari , hazvifaniri kukukonzera chero kushungurudzika kwakatarisa kutarisa matanda ako kunoderera ne50 muzana kana kupfuura pane pepa.
Izvi zvinonyanya kuitika kana ine nhoroondo yekubhadhara iwe neuchenjeri-kugoverwa kugoverwa kwekugoverana uye kugoverana kwakarongeka kwakanaka , uye iwe wakabhadhara mutengo unobatsira maererano nekutarisa-kubudirira -kana kuti kune vamwe vanosimudza mari vanoziva nezvekuverenga uye mari, "mubhadharo wekubhadhara mari inoshandiswa paunongoronga makambani ekushanda, ndinoziva kuti ndinodzokorora izvi kakawanda, asi iwe unofanira kuzviita kana iwe uchida kudzivisa kuparadza pfuma yako nekushandisa zvoupenzi kutengesa zvakakwirira, nguva refu kwenguva yakareba nekuti chei inenge nguva dzose inosvika pakuva nehupfumi hwekunze.
Dzidza Kufunga Nezvakagadzirwa Net Net Present Value
Dhora reUnited States harisi dhora reAmerica chete, uye Swiss franc haisi kungoti Swiss franc. Ndakatsanangurira pfungwa iyi pamusoro pemakore mune zvinyorwa zvinyorwa, kusanganisira mashomanana anonyanya kuomera:
- Uri kutengesa mamiriyoni ako $ 1 Penguva: Chidzidzo Mukukosha Kwenguva Yemari
- Nguva Yakakosha yeMari Zvinyorwa: Nzira Yokuverenga Sei Ramangwana uye Nhasi Kukosha kweMucheka Sum
- Kuti Urove Inflation, Tarisa Kutenga Simba Kwete MaDhora: Ndizvo Zvaunogona Kuita Nemari Yako Inorambidza
Kubva pane zvaunoona semurimareti, simba rekushandisa ikozvino rekushandisa iro rinokosha. Usati uwire mumusungo wekufunga maererano nezvesarudzo yemari, nengozi inozivikanwa mune zvezvemari Irving Fisher yakarondedzerwa mubhuku rake rakagadzirwa muna 1928, The Money Illusion .
Kana iwe uine $ 100 mari muhomwe yako nhasi, kukosha kweyo $ 100 yemari kunobva pane zvakawanda zvezvinhu. Kana iwe uine nguva yakakwana yekutora nguva uye unogona kuwana zvinogutsa zvemitengo yekudzoka, kuwedzeredza kunogona kushanda magic uye kuchiita kuti ive $ 10 000. Kana usati wadya mumazuva maviri, kushandiswa kwemari yeramangwana inenge isiripo kana ichienzaniswa nemukana wokushandisa mari iyo ikozvino. Kubudirira kwekutsinhanisa ndekuita zvisarudzo. Simbisa mari yako nekushandisa zvisarudzo nenzira iyi. Mari inoshandiswa - ndiyo yose. Kuyeuka izvi kunogona kukubatsira kuti usatadza kukanganisa uko varume vakawanda, vakadzi nevemhuri vanoita, vachibayira zvavanoda kwenguva refu yezvavanoda kwenguva pfupi.
Chengeta Kutarisa Mitero, Mari nezvikwereti
Zvinhu zviduku zvinokosha, kunyanya kwenguva yakareba nekuda kwemasimba ekugadzirisa zvatakakurukura. Iko kune marudzi ese emagadzirirwo aunogona kushandisa kuti uchengetedze mari yako yakaoma-yakawana muhomwe yako, kusanganisira zvinhu zvakadai semari yekuiswa. Funga nezvomusimari anogadziridza mari asingabhadhara mutero wemasisita emabhengi mubhadhadziro yezvekwereti yezvekwereti uye zvibvumirano zvekambani mumatura emitero akaita seRoth IRA . Anoziva nzira yekushandisa zvakakosha kune zvakakosha yeververaging effect, zvakadai sokutora mari isina mari yaunowana kana wako mubhadhari akakunda zvipo kune yako 401 (k) kana 403 (b) chirongwa chekurega basa. Zvakakosha nguva yako nesimba nekuzviwana. Uine tu tweaks tudiki, kunyanya kutanga purogiramu yekugadzirisa, iwe une mukana wekushandura mari yako inobhadhara zvakanakira. Zvinhu zvishoma muhupenyu zvakakosha nguva yako.
Iva nechokwadi kuti uri kuyera kukosha kwezvauri kugamuchira pamusoro pemari. Ndakaona vakawanda vasina mari vasina ruzivo vanofunga nezvezvinhu zvakadai sekubhadhara mari uye kutarisira mari yekuregererwa kwezvose. Ivo pakupedzisira vanodhura zvakanyanya muzvinhu zvakadai sematare emitero kukanganisa kana kushungurudzika kunotambudza kunokonzera kuti mabhuku avo aite.
Chimwe chandinoda kushandisa ndechekuchengetedza mari ye trust . Tora Vanguard, somuenzaniso. Panguva yandakanyora nyaya ino, Vanguard's trust yedhipatimendi yaizoendesa izvo zvakaenzana nechechidiki chekuvimba mari ye $ 500,000 - hapana chakakosha, kungowanikwa vanilla. Iwe haugoni kuwana zvigadziro zvega asi iwe unogona kunge uine mimwe mari imwechete yevamwe vose vane yavo. Hakusi zvakawanda zvekugadzirisa kushandiswa kweizvi, - zvichienderana nechisarudzo chakaitwa muhupfumi hwekugadzirisa - inofanana nezvose-muhutano hunotarisa-kutarisa kubva pakati pe1,5 ne6,6 kubva pagore nenguva iyo iwe uverenga zvinhu zvakadai semari uye pasi pekutarisira mari.
Icho chiitiko chinonakidza chezvauri kuwana. Ndakatarisa vanhu vachirova nhanhatu nemanomwe-nhaka dzinokurumidza kupfuura iwe unogona kuvhenekera, zvose zvingadai zvakadzivirirwa dai mari yakavharwa mukutendwa uye mupi wemari akada kubhadhara mari. Mune mamwe mazwi, mupi wemari akabhadhara zvakanyanya pane chimwe chinhu chakanga chisina basa - kuedza kubhadhara 0.05 muzana mumari pagore nekuzviita iye pane 1.5 kusvika 1.6% kuburikidza nokutsvaga kune mumwe munhu. Enzanisa izvozvo kune chimwe chinhu chinonyanya kukosha: kugadzikana kwepfungwa uye kubudirira kwemari weaibhadhara. Izvi zvinokosha. Mari yako yekusimwa chikwereti haisi mubhuku. Nyika chaiyo inotyisa uye vanhu vakaoma.
Usambofungi Nezvekushanda Chero Chega Pasina Kuita Mukutaridzika Kwengozi
Kufanana nevashambadzi vakawanda, ndinofunga nezvehutano hwakawanda. Chimiro changu ndechekushamisika kusingazivikanwi kwezvenguva dzose zvingaverengeka kuverengeka zvakasanganiswa netariro. Apo ini nomurume wangu takatumira tsamba yedu yemakambani jacket makambani kupfuura makumi gumi apfuura, isu takanyatsogadzirisa hurongwa hwemari nenzira yatakakunda pasi pezvimwe zviitiko. Apo patakatanga sangano rekuchengetedzeka kwepasi rose rekambani yehupfumi uye yepamusoro mumatare inokosha ivo vanhu, mhuri uye masangano aida kuisa pamwe nesu, takava nechokwadi chekuti fomu yedu yekutanga ADV yakazarurirwa ine hurukuro pamusoro peimwe dambudziko.
Ichi chiratidzo chinoshamisa zvinotyisa apo vashandi vanotanga kutaura pamusoro pekudzoka kwavo "kukuru" pasina kukurukura kuti mabhengi avo akaitwa sei. Kuisa mungozi kwawakaisa pachena iwe, iwe uchienzaniswa kwete nekusagadzikana mumakakatani okutengeswa asi mumutengo wakabhadharwa maererano nekukosha kwekutanga nekugadziriswa kwekukwanisa kuparadza, ndiyo iyo chakavanzika chekuvaka upfumi kwenguva refu. Imwe yevatori venhau vanozivikanwa zvikuru inofanirwa kuratidza kuti hazvina basa kuti kudzoka kwakadini-kana kune imwe chete "zero" pakuwedzera, iwe unorasikirwa nechinhu chose. Izvi hazvina kungoita chete mukutarisira kwekutsvaga kwehupfumiro yako, asi mukushanda kwekambani yemakambani ose. Kubvumirana kweAIG, yaimbova imwe yenyika dzakawanda zvikuru yezvemari masangano uye mazhinji anoremekedzwa chipukisi chebhuruu , yakanyatsodzidza nyaya iyo iyo imwe neimwe inonyanya kukosha mari inofanira kuita.
Somunhu, ini ndiri wekufunga kuti izvi zvinogona kusvibiswa mune zvinotevera:
- Bhadhara mari yako, uye uine mari.
- Ingotenga zvikwereti kana zvibvumirano zvaunofara kuva nazvo kwemakore mashanu anotevera kana mutengo wemabhizimisi wakavharwa uye iwe haugone kuwana maranho ekutengeserana pamakambani.
- Dzivisa kuchengetedzwa kwekuchengetedzwa mune dzimwe nzvimbo, maindasitiri kana mitsara yebhizimisi, kunyanya kana ichinge ichikwira pasi. Semuenzaniso, pasina mamiriro ezvinhu asingawanzoonekwi, vakawanda vanokoshesa mari vasati vafarira munharaunda yakawanda yendege pamutengo chero upi zvawo kunze kwekuti inoshanda sechinhu chiduku chinokonzera kukura kusvika kune yakawandisa, pane mamwe mapepafisi akawanda. Vanofunga kuti kukosha kunoruramisa. Kunyange zvakadaro, vangangodaro vachifamba kubva mukana. Chikonzero chacho? Pamusoro pezvose, ndege dzenhairi dzine zvingangoita nguva dzose, ingangodaro-yakakonzerwa-pane-chero-nguva-kubhadhara ngozi. Icho bhizinesi chinoona mari yezvikwereti inowedzera pakuitika kwehondo, njodzi kana hupfumi hwemamiriro ezvinhu. Vakaroorana vane nepamusoro-soro mari yekugadzirisa uye yekutengesa mitengo, uye, nechisarudzo chimwe chikuru, chave chiri mari inoparadza kune vashandi venguva refu.
Izvi zvinoda kutarisa pane imwe nzvimbo yako yepodfolio. Ipapa yako inofanirwa kunge isingabatsiri kana kufara mupfungwa nenzira imwe chete yokufamba padhoro rekaseti muLas Vegas kune vanhu vakawanda. Kubudirira kwekutsvaga mari kazhinji kwakafanana nekuona pepa yakaoma. Iwe unowana zvinhu zvakanaka, ubhadhara mitengo yakakodzera kwavari, zvino iwe unogara uri shure kwako kwemakumi emakumi mashomanana apo hutungamiri hwemari uye kuwedzera mvura yewaini nemipiro. Kanda mune zvimwe zvakasiyana-siyana kuitira kuti kuvharidzirwa kusingadzivisiki kana kuora mwoyo kweimwe kana zvimwe zvikamu munzira iyo hakukukuvadzi iwewo zvakaipa. Nhoroondo, yakave iri kurota kusanganiswa. Kunyange zvazvo ichokwadi kuti nhoroondo isingadzokizve, kune avo vanonzwisisa matambudziko, hazvina kuoma kutaura kuti ndiyo ndiyo nzira yakangwara yekuita nayo.
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.