Kuita Mari Kubva Pakutora Kwekuchengetwa Kwako Kunogona Kuitika Muimwe Yezvi 4 Nzira
Haisi basa rakanyanya asi iro ndiro iro mamiriyoni evanhu apedza. (Kuti ikubatsire kuziva kuti "mupfumi" zvinorevei kwauri, verenga mari yakawanda inotora kuti uve akapfuma? )
Pakati pekuita kwekupfuma kubva pane yako yekushambadzirwa kwepasitori kuri kuita mari; kunyanya kugadzira mari , kuisa mari iyo kushanda mune zvimwe zvinhu zvinobudirira, saka, sekuraira kwebhokisi re shampoo, "Shamba. Unopa nguva yakakwana, simba rekugadzirisa mabasa ayo magetsi uye munguva pfupi mari yako iri kuita mari yakawanda kupfuura iwe waungambofungidzira. Muchikamu chino, tava kutora mhando yepamusoro-soro, maonero ezvidzidzo emhando dzakasiyana-siyana dzinoshandiswa nemapatotikiti anowedzera mari yakawanda kune veneti veguta kuti vafare.
# 1: Iva nemari Inobatsira Pamari Unotengesa
Vamwe varimi vanokweretesa mari zvakananga. Mumwe wembuya vangu vakapedza makore achivaka mari yaanoita dendere mazai uye ipapo, makore gumi kana maviri akapfuura, akatanga kunyora pasi pekunyoresa mari kune avo vane pangozi yepamusoro, vachitora zvinyorwa zvinowanikwa nehupfumi, kakawanda pamitengo inenge 13% pagore.
Akangoshanda chete mukati mezvikamu zviduku zvemaruwa nemataundi aaive akajaira kwemakore anopfuura 70. Muzviitiko zvakawanda, aizotengesa mabhidharo kune mabhangi kana kambani yemari yekubhadhara yakanga yave yakagadzwa kana kuti aizogadziriswa kunze kwechibvumirano apo mutengi aikwanisa kukwanisa kubhadhara chikwereti.
Chaizvoizvo, "airenda" mari yake kuvanhu vaida kuti vatenge imba. Akatungamirira njodzi yake uye akachengeta hurukuro yakakwana yezvivako izvo apo imwe yei inenge isingataurirwi, yakaitika nguva nenguva, haina kusangana nematambudziko kusvikira basa racho rapera.
Vamwe vatengesi vanosarudza kupinza muzvisungo zvakabudiswa nehurumende dzemasitraine , makambani , kana mamwe masangano. Izvo zvikwereti zvinoshandisa mari iyo yakasimudzirwa kuvaka zvigadzirwa zvezvikoro, zvikoro, zvipatara, mapurisa emapurisa, kuwedzera kusvika mumisika mitsva, kutanga kuparidzira mishandirapamwe kana chero zvimwe zvinangwa zvataurwa pamusoro pechipatara chebato . Kana zvose zvikafamba zvakanaka, muridzi weimba anowana chikwereti chekuwana chekuita mumishuzha - kana, mazuva ano seanowanzoitika, kunyatsoiswa mukambani yekutengeserana kana kambani yekuchengetedzwa kwenyika - kusvikira musikana hukura, panguva iyo yose mukuru mukuru anotsiviwa uye chisungo chacho chinorega kuvapo.
# 2: Unganidza Cash Inoparadzaniswa Kubhizimisi Iwe Wako Wese kana Chikamu
Apo iwe unotenga bhizinesi, iwe uri kutaura pamusoro pekona yemudziyo yekona kana chidimbu chemazana akawanda akabatana, akadai sechikamu chechitoro muBerkshire Hathaway, United Technologies, kana General Electric, une mukana wekuunganidza mari inowanikwa .
Mari iyi inomiririra chikamu chebatsiro iyo Bhuku reBurisi rekambani rinosarudza kutumira tsamba kune vadzidzisi zvichienderana nehuwandu hwavo hwose mubhizinesi. Kana uine hutano hwakanyanya (umiridzi) iwe uye / kana huwandu hwekubatsira kambani inobereka, iyo inowedzera zvikamu zvako zvinogona kuva.
Kubvira munaAgasti 2016, chikamu cheMcDonald's Corporation, guru guru rezvokudya zvepasi rose, rinopa $ 3.56 mumari inowanikwa gore negore. Kana uine zvikamu zana, uchagamuchira $ 356. Kana uine mamiriyoni 1 000 000, uchagamuchira $ 3,560,000. Iko kuongorora kunoratidza zvisinei nokuti chikwata chawedzera kana kuti chichiderera kukosha kwegore nokuti vanobhadharwa nemigumisiro inoshanda yekambani pachayo; mari yakabhadharwa nokuunganidza mari kubva kuvanotengesa cheeseburgers, mafriji eFrench, chokoti inogwedezeka, nyama dzekukudya, mapepi eapuro, sandwiches chikafu mangwanani, uye kofi.
Kunyange apo kambani inotarisana nemusoro, bhizinesi reMcDonald rakabudirira zvakakwana kuti chikamu ichi chakakura zvikuru mumakore, makumi emakore, uye zvizvarwa. Yakave iri simba guru rekugadzira pfuma kune avo vane chikamu cheumambo hwepasi rose uye vanoda kuve vapfumi. Kutaura zvazviri, sezvo McDonald akatanga kubhadhara chikamu panzira yose muna 1976, yakawedzera mubhadharo gore roga rega, kunze kweivo, pane zviyero zvakakwana izvo zvakakwana zvishoma nezvishoma . Makore gumi nemakumi maviri apfuura anoratidza muenzaniso. Tichitarisa nguva yakareba yatinogona kuwana pane yakadarika Value Line Investment Survey misodzi, shure muna 1999, chikamu chimwe cheMcDonald chakabhadhara chikamu che $ 0.20. Gore rino, sezvamunoziva kare, muganhu weparadget is $ 3.56. Iko ndiko kuwedzera kwe17,8x, kana kuti 19,72% muzana wekuwedzera kwegore . Iwe hauna kumboita chero chinhu kunze kwekunge wakatarisa pane yako uye iwe wakaderedzwa nemamwe mari gore negore.
# 3: Ive neBhizimisi Rinokura, Iva Idzorera Mubayiro Wako, uye Zvadaro Mutengesa Stake Yako Pamutengo Wakakwirira Kupfuura Iwe Wakabhadharwa
Apo iwe unotenga nhumbi pamutengo mumwe uye uchitengesa iyo pamutengo wakakwirira, purofito inonzi inowanikwa mari . Vashandi vebhizimisi vanogona kunakidzwa nemigumisiro iyi kuburikidza nokutora purogiramu inowanikwa kubva kune kambani uye kuidzorera iyo kuwedzera kuitira kuti pfuma inotevera iwedzere. Mufananidzo unogona kubatsira. Fungidzira kuti iwe waive nehotera uye nguva dzose wakarima zviwanikwa zvako kumashure pakuvaka mamwe mahotera. Makumi makumi maviri namashanu apfuura. Kana iwe wakakwanisa kubhadhara mari yako zvakanaka, uye mabhizimisi pachavo akakwirira (munoita makamuri akanaka ekuzadza basa, vashandi venyu vanoziva kupinda munharaunda uye kunongedza bhizinesi kuti vawane mabhuku anokosha, iwe unyanzvi kutengesa zvinyorwa zvakagadziriswa kuti uwane zvakawanda kubva kune mumwe muenzi, nezvimwewo), iwe unogona kunge uchizogamuchira mutengo wakakwirira kwazvo kupfuura mari yezvikamu zvakawandisa zvawakadzorera kana uchienda kutengesa danda rako. Izvi zvinoitika nokuti kuenzana kwauri kutengesa kunokosha zvikuru; zvimwe zvivako, mari yakawanda, uye mari yakawanda. Zvakafanana nekubika keke; mazai, upfu, shuga, mafuta, nezvimwe zvinosanganisa zvinosangana pamwechete kuti zvive chimwe chinhu chinoshamisa kune chiyero chezvikamu.
Zvakakosha kuti iwe unzwisise mari inowanikwa uye mari inowanikwa inenge isingatauriki. Muzvokwadi, vanenge vaine nguva dzose vachienda-mu-ruoko kamwe kambani yakanyatsogadziriswa uye inobatsira. Mamwe emakambani akabudirira zvikuru munhoroondo akaita kuti vagovani vavo vapfumi nokuti ivo vose vakakura mukukosha uye vakapa ruzivo rwekuwana mari yakabhadharwa kune vanochengetedza. Semuenzaniso, mari ye $ 10 000 muWal-Mart panguva yePO yayo muma1970 inokosha kudarika $ 10 000 000 pakati pezvekuchengetwa kwemari yemari uye kukura muhuwandu hwebhizinesi sezvivako zvakakonzerwa kunze kweAmerica. Nhengo imwe chete yeThe Coca-Cola Company yakatenga madhora makumi mana emadhora makumi maviri nemakumi mashanu ekutanga kwehupfumi hwevanhu muna 1919, uye zvikwereti zvadzorerwa zvakare , zvino zvinokosha kupfuura $ 15,000,000.
Makambani aya akachengetedza zvakawanda zvemari yavo uye kubhadhara mari. Iko kukura kwakabvumira kuti muganhu wekugoverwa uwedzere gore rose, zvakare. Paunotarisa zvose zvezvinhu izvi pamwe chete - mari inowanikwa uye muganhu wemari - inonzi kureva kudzoka .
# 4: Chimwe Chinhu Chinokosha (Sezvakaita Real Estate) uye Chikwereti kune Mumwe Munhu Anoda kana Anoshuva Iyo Mukushambadzira Kwemari
Pane chinhu chakakosha pakugadzira mari kubva kune iri rudzi rwekutsvaga uye rine chokuita nemitero. Panguva iyo nyaya ino yakabudiswa muna 2016, kana iwe uri mubhadhati, iwe haufaniri kubhadhara mitero yega yega yebasa 15.3% pamutero wako wekubhadhara uyo muridzi webhizimisi aifanira kubhadhara. Izvi zvinoreva kusabhadhara mari inowanikwa kubva kune ino zvingaguma nekuita mari yakawanda muhomwe yako pane kuenda kuhurumende. Ndakambonyora nezvemunhu wandinoziva uyo ane mambure anokosha emamiriyoni emadhora emadhora uye anopa mari shoma shoma pamusana pemagadziro ake ekutsvaga, chikamu chacho chaisanganisira kutenga zvivakwa zvezvivako uye kuvashandisa. Izvi zvinogona kuva nzira yakangwara yekupfuma, uye vanhu vakawanda vakaita zvakanyatsoitika kuti nezvikwata zvepaimba zvakagadzirwa, zvakagadzirirwa, zvakagadzirwa, uye zvakarongedzwa nekufamba kwenguva.
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.