Tsvaga kana maAriyo Current Price Are Bargains kana Bear Traps
Zvichida vakatenga imba yakange yakadhura zvakanyanya kuburikidza nekugadziriswa kwemari yekubhadhara mari, kana kuti zvichida vari kutarisana nenyaya dzisina kunaka apo, pasinei nekubhadhara kwemwedzi, chikwereti chikuru chemarikwereti yavo chinowedzera mwedzi mumwe nomumwe.
Ndezvipi zvinokonzerwa nekutsvaga uku zvakakwana kunosanganisira mukati mekutengeswa kwezvitengo zvezvivako izvi, uye kuita zvigadziriswa zvekugadziriswa kwemabhangi emabhangi zvinomirira mukana wokutenga kana musungo webere?
Mabhenji Anoshanda Sei
Tisati tava kukwanisa kupindura mubvunzo iwoyo, kukurukurirana pfupi uye kwakadzika kwebhengi rekubhangi kwebhangi iri mukugadzirira. Ndinoziva, ndinoziva ... kubata mufaro wako.
Bhengi inotora mari kubva kune vatengi vanogadzira chiremba chekuisa mari , kutarisa mabhengi, kuchengetedza, mabhuku, nemimwe michina. Izvo zvino inokweretesa mari iyi kune vanhu vanokumbira zvikwereti zvemari pamusha wavo, zvikwereti zvebhizimisi, zvikwereti zvekuvaka, nemamwe akawanda emishonga.
Kusiyana pakati pezvinokonzerwa nebhangi kune avo vanochengetedza kuchengetedza mari inouya (yekutenga mari) uye kufarira kuri kuita kune zvikwereti izvo zvakanyorerwa vatengi (inowanikwa mubereko) inonzi net net interest.
Mumazuva ekare, bhangi yaive inenge yakatarisana zvachose nemari inowanikwa kuti iwane pfuma kune vadzidzisi uye mari yekusasa kuwedzera.
Nhasi, mabhizimisi anobudirira ane muenzaniso wehuwandu hunovabvumira kuti vaite zvinopfuura makumi mashanu kubva muzana kubva muzana kubva kune mari yekutengeserana, kubhadhara kadhi rechikwereti, mabhizinesi ekuchengetedza mabhizinesi , mari yehurumende, inshurensi yekutengesa, annuities, overdraft mhosva, uye chero chinhu chipi zvacho iwe vanogona kufungidzira.
Kana zvikwereti zvikabva mumabhuku, mari inobhadharwa kune wakwereta uye mari yemari yacho inotangwa.
Bhengi ichazogadzira kambani-yakawanda kuchengetedza pane iyo yose yeroti yezvikwereti kune kurasikirwa kunotarisirwa. Somuenzaniso, vangave vachiti, "Tinofunga kuti 1% yezvikwereti zvose zvichange zvisisipo," saka vachazarura kuverenga kwekuchengetedza izvo zvinoderedza kukosha kwechikwereti pachiyero chebhadharo .
Gare gare, kana zvikwereti izvi, chaizvoizvo, zvichienda zvakashata, zvatove zvakagadzira tampu pachiyero chemashizha kuti inobata kushungurudzwa pasina kunyangadza zvakasarudzwa kuwanikwa. Mukuwedzera, vanogona kutora zvikwereti kune mumwe munhu, vachigadzira pokuchengetedza kana zvichionekwa kuti akakwereta angave nematambudziko achibhadhara chikwereti.
Bhizinesi Dambudziko Dambudziko Here?
Sezvaunogona kufungidzira, kukwana kwezviwanikwa kunokosha zvakanyanya pakuchengetedza bhangi rakanaka. Federal regulators munguva pfupi yapfuura vakarega nyika kuziva kuti vainyanya kufunga kuti, pamabanki akawanda, zvikwereti zvekurasikirwa kwemari chikwereti zvakasangana nemitemo mitsva, kusvika kumazinga asina kumboonekwa kubva mune dambudziko reimba rekupera kwema1980 nekutanga kwema1990.
Kana, somuenzaniso, 4% yezvikwereti zvaifanira kuenda kune zvakaipa pane 1% iyo vatungamiri vaichengetedza, zvigumisiro zvingave zvinoparadza kune vagovana, kuchenesa chikamu chikuru chebhuku rino uye kukonzera kurasikirwa kukuru pane zvinyorwa zvekuwana .
Izvi, zvinosanganiswa nekutarisira kune vamwe vezvematongerwo enyika uye vaongorori kuti doro remvura harisati rapera, riri kukonzera kunetseka (zvakawanda zvebhadharo mari inogona kuwanikwa kubva kune chikwereti chinobva pakutanga; tarisai, vamwe vashandisi vezita guru kusanganisira hakuna mumwe kunze kwaWarren Buffett iye pachake ari kuunganidza chikamu chemashomanana mabhuku anosarudza.
Iko Bhengi Inotenga Ako? Izvo Zvose Nehutano Hwokubhadhara
Pakupera kwezuva, inowanikwa pasi pehutano hwehukwereti huri pasi pebhishopu yebhangi. Sezvo rimwe guru guru rekutsvaga mari rakati, zvakaoma kuwana vazhinji vevarume nevakadzi vechidiki vanoshingaira vanogona kugadzira pakarepo mapeji nemafungu echipeni kuti vazviwanire ivo apo hupfumi huri kushanda nesimba uye chikwereti chose chinoratidzika sechakanaka.
Izvo zvakati, hazvifaniri kushamiswa kuti Berkshire Hathaway akatora chikamu che US Bank, muchikamu, ndaifungidzira nokuti yakanyatsoona kuderera kwechiverengero chekunyorera apo dzimwe nzvimbo dzebhengi dzinonetseka pamusoro pekuwandisa ngozi mumamiriro. Mukuwedzera, bhengi iroro harina kuonekwa kuti rine chero hukuru hwekutsvaga kumusika mukuru. (Kuzarura kwakakwana: Ndine US Bancorp pamwe chete kwemakore akawanda.)
Pandakawana nzvimbo yangu, ndakaona kuchenjera kutora mazano aCharlie Munger: "Dzokai, nguva dzose mudzore." Mubvunze mubvunzo shure. Kana US Bancorp inotengeserana pachikwata chepasi p / e kupfuura yemusika wese uye inogona kusimudza mari yegawana yega yega pa 10% pagore-iyo yakataura ipo chinangwa chekutungamirira chakajeka mubhuku 10K uye gore negore, pamwe chete unogamuchira 4.60 % cash dividend yield paanenge akabata chibage-ndeipi mikana yokuti, kwenguva refu, iwe uchava nemafungiro akanaka zvachose zvisinei pasinei nemakore matatu kusvika mashanu ekutsvaga kwekutsvaga kubhadhara kwemari yekurasikirwa kwezvikwereti zvinongororwa zvinofungidzirwa?
Mikana yako yepamusoro kupfuura inoshandiswa inodzoka inofambiswa mberi kana hutengo hunoitwa mukodhi-yakabhadhara kero yakadai seRoth IRA, Traditional IRA, nezvimwe. Mubvunzo uyu unogona kubvunzwa Wells Fargo (iyo iniwo inewo) kune imwe bhengi ; kungoisa mukati mokufungidzira, mari inokonzera kugovera, uye kuongororwa kwako kwekukwanisa kwekurasikirwa kwemari. Kana iwe usingazivi kuti unotangira kupi, bvisa chikamu chepurairi uye uenzanise mararamiro ekurasikirwa emabhengi akaenzana; chinhu chipi nechipi chinenge chichibuda mumutsara chinofanira kuva chikonzero chekufunganya.