"Zano rangu kumutongi haigoni kuva rakanyanyisa: Isa 10% yemari muhupfumi hurumende yehurumende uye 90% muS & P 500 index index," akadaro mubhuku reBerkshire Hathaway ra2013 kune vagovana. .
Asi, pasinei nezano raBuffett , vapfumi havakwanisi kushandisa mari iri nyore, yakaderera, mari-inowirirana nehurongwa hwemari. Panzvimbo pezvo vanowedzera mune mabhizimisi ega, pamwe neunyanzvi , zvivako zvemahombekombe, mari yehuta , nemamwe marudzi ekutsvaga mari nepamusoro wekupinda mari. Izvi zvikwereti zvinokuvadza zvinowanzodikanwa kutenga-mubhadharo uye kutakura mari yakakwirira, apo ichivimbisa mukana wekupa mubayiro wekunze.
Kuti Vafumi Vanowedzera sei
Steve Ballmer, aimbova CEO weMicrosoft, anorondedzera mari yakakosha mu $ 32 bhiriyoni. Mushure mokusiya Microsoft, Ballmer akatenga LA Clippers kuti awane $ 2 bhiriyoni. Pasinei nokubva kuMicrosoft, ane mamiriyoni makumi matatu nemakumi matatu emadhora emakambani emakambani, chikamu che4% chekambani kubva muna 2014. Nhasi $ 69.94 mutengo wekutengesa, ndiyo inodhura $ 23.08 mabhiriyoni.
Asi mushandi weMicrosoft mukuru ane zvimwewo zvekutsvaga. Ballmer ane ma $ 450 mamiriyoni mu Twitter, pamwe nemari yezvivako muHunts Point, Washington uye Whidbey Island.
Izvozvo zvinoreva kuti pfuma yake inowanikwa muzvikamu zvishoma zvekutsvaga-kurema kubva kune "kuisa mari mubhadharo yemari yakaderera" yakaitwa naBuffett uye nyanzvi dzakawanda dzemari dzemari.
Thomas J. Stanley, munyori weThe Millionaire Next Door, anotaura kuti vazhinji vane mamiriyoni mabhizinesi. Saka, hazvishamisi kuti vashandi vezvemabhizimisi vanofarira kuisa mari mumabhizimisi, avo pachavo nevamwe.
Vafumi vanewo mari yekutenga zvavanoda uye vanoiona ichikoshesa. Kubva pane unyanzvi husingaoneki kuenda kune imwe nzvimbo kusvika kune dzimwe nyika, vapfumi vanonakidzwa nemari yavo apo vachikura mukukosha.
Hedge mari inowanikwawo nevapfumi. Iyi mari yevapfumi inoda vashandi kuti varatidze $ 1 000 000 kana kupfuura mumatare anokosha, uye shandisa nzira dzakanakisisa dzakagadzirirwa kurova misika. Asi hedge funds inokwana 2% yemari uye 20% yezvibereko. Vatengi vanofanira kuwana hutano hwakakura kuti vatsigire mari iyo yakakwirira!
Vafumi vanewo matanda emasikisi, musungo, uye mari yekushandisa mari. Asi, mararamiro avo uye zvavanoda zvinozarura magedhi kune mamwe marudzi emari inonakidza uye inongova yega inenge isingawanikwi kune munhu akawandisa.
Sei Hasi Vafumi Vasingatengi muInde-Fee Index Funds?
Kwemakore 90 akapfuura, S & P 500 yakawana 9,53% annualized kudzoka. Iwe unofunga kuti vapfumi vaizogutsikana nerudzi urwu rwekudzoka pamari yavo. Semuenzaniso, $ 10,038,47 inotengeswa muS & P 500 muna 1955 inokwana madhora 3,286,458.70 pakupera kwe 2016. Kuisa mumusika wose nemari yekutsvaga mari inopa zvipo zvinoramba zvichidzoka, nekuderedza njodzi dzinosanganiswa nemamwe mashizha uye mamwe masimba.
Asi vapfumi vanogona kukwanisa kuisa njodzi mubasa rekuwedzera mamiriyoni (kana mabhiriyoni). Kuti uite muenzaniso mumwe, tarisa muzvikwereti-akakurumbira wepasi pose uye speculator George Soros, uyo akamboita $ 1.5 mabhiriyoni mumwedzi umwe nekubheja kuti British bondo uye dzimwe mimwe mari dzeEurope zvakakosheswa pamusoro peGermany Deutsche mark.
Hedge mari inopikira pfuma inoshamisa, kunyange zvazvo mumakore achangopfuura yakundikana kuparadzanisa mararamiro emusika webato. Asi vanogonawo kubhadhara nenzira huru kune vashandi vavo vakapfuma. Gore rapera, James Simons weRenaissance Technology akawana vatengesi vake 21.5% netare yemari. Uye Simons pachake akawana $ 1.5 mabhiriyoni akanaka. Vafumi vanoda kuzviisa mukutengeswa kwemazana emadhora e $ 100,000 kusvika ku $ 25 mamiriyoni kuitira mukana wokukohwa kudzoka kukuru.
Iko-yezana yemari yekutsvaga mari inowanzo kuratidza zvido zvavo.
Sezvo vanhu vakapfuma vazhinji vakawana mamirioni (kana mabhiriyoni) kubva mune bhizinesi, vanoona nzira iyi senzira yekuenderera mberi nekuwedzera mari yavo. Vanonakidzwawo neunyanzvi, motokari, dzimba uye zvekuunganidza; kutenga iyo zvigadzirwa zvepamusoro kunowedzera mararamiro avo, uye kuonga kwemangwana ibhonasi yakanaka.
Vafumi vakasiyana kune iwe neni, nemari yakawanda, mari yakakwana , nemikana. Kunyange zvazvo vachitsvaga mari yepamusoro mune tarisiro yekudzoka kunoshamisa, haisi yose yavo inobhadharwa neyekudzoka kukunda kudarika mari shoma index index. Sangano rekutsvaga mari iri nyore mubhadharo yebhadharo yakaderera yakakosha kuWarren Buffett, uye zvakakosha kuti muve wevatengesi vepakati.
Barbara A. Friedberg ndiye aimbova maneja wepodfolio uye murairidzi wekutsvaga yunivesiti. Tsanangudzo yake inowanikwa pane mamwe mawebsite akasiyana neRobo-Advisor Pros.com naBarbara Friedberg Personal Finance.