The Recipe To Make Fortune From Your Investments

Ita Zvinhu Zvishoma Zvakakodzera Kubatsira Pfuma Yako Kuzvikurira

Ndiyo kurota kwevashandi vakawanda vatsva kuti rimwe zuva vave vakazvimiririra mune zvemari kubva pamabasa avo. Kana iwe uchida kuita mari kubva mune zvimari zvako, zvinobatsira kutora danho shure uye uongorore mikana yako, zvose zviri maererano nezveramangwana rekuwana mari uye tarisiro yeupenyu, uyewo nzira dzakasiyana dzinowanikwa kwauri mukutsvaga kwako kuwedzera fuma yako. Ndibvumirire kuti ndikuudze imwe pfungwa dzangu pamusoro penyaya yacho newe.

MuUnited States, kuwana mari yehupenyu hwemunhu ane bachelor's degree inomirira madhora 2 100 000 000. Vakakunda, vadzidzi vekoroji vanoroora vamwe vadzidzisi vejijiji, vachiunza chiyero ichi kusvika $ 4 200 000. (Kubva pamaonero ezvoupfumi, hazvirevi kutaura kuti micheche yemuchato ndiyo inzvimbo itsva yehutano hwehutano uye mararamiro evanhu vakaroorana haasati agone kurongeka, izvo zvine zvimwe zvinonakidza, kana zvisinei, zvinokonzerwa nekusaenzana kwemari.) Sezvo CEO ye hupenyu hwako, iwe nemurume wako kana mudzimai wako kupa sei mari iyo ichava nechinje chikuru pamhuri yako yekupedzisira yakakosha, mari yekusagadzikana , uye kunyange mafaro evanhu. Izvi ndezvechokwadi kunyanya kupa zvikwereti zvakakosha zvemari zvewanano .

Chimwe chezvinhu zvikuru zvakasiyana pakati pevaya vanopedzisira vachiripira kubhadharwa-ku-paycheck nevaya vanozviwana vane bhangi yevheti izere zvitiketi zvekutengesa kuputika kwemitsutso yezvikwereti kufara ndeyekuti munhu ane chido chekutenga kuderedza zvinhu kana zvinhu zvinobudirira mari yake yakawanda.

Kunyanya kukoshesa zvinhu ndizvo izvo, zvakawanikwa, zvinotanga kurasika. Muenzaniso wequintessential motokari. Kunyange zvazvo zvingaita kuti zvive zvakanaka, motokari ndeimwe yezvakaipa zvakanyanya zvaunogona kuita kubva mune zvemari. Vanhu vasingazofi, muhupenyu hwavo hwose, vanofananidza kutaura, "Ndiri kuzotenga $ 50,000 chibvumirano cheHershey uye ndichichichengetedza kwemakore makumi mashanu anotevera", "Ndichatenga $ 25,000 yeCoca- Cola uye, rimwe zuva, kuisa mubhadharo yemuzukuru wangu "kana kuti," Ndiri kuwedzera $ 500 pamwedzi ku Exxon Mobil DRIP ", pane kudaro, handifungi nezvekuenda kumotokari yemotokari, kutenga zvitsva motokari pa 0% inokwana $ 700 pamwedzi kubhadhara, uye kuitambanudza kwemwedzi inopfuura 60 nokuda kwechimwe chinhu chakatarwa kuti chisakoshi zvachose.

Ndakazviona nguva nenguva. Pamusana pemamiriro ekugadzirisa, makore ekutanga gumi kana makumi maviri mumabasa anoshandisa migumisiro yakawanda kuitira kuti munhu akange akachenjera zvakakwana kuti atange kuwana mari-kupa zvinhu anotanga kubuda ndokuzviparadzanisa pachake kubva pakiti. Izvozvo pakupedzisira zvinoshanduka kuva gomba rakaoma, kana zvisingaiti kubhururuka.

Mune mamwe mazwi, kana iwe uri neropafadzo yakakwana yekuve yakadzidza zvikuru, wakaroora kune mumwe munhu akadzidza zvikuru, uri kugara mune hupfumi hwakakosha zvikuru munhau yehupenyu hwevanhu, kana iwe unopedzisira uine mari yakazvimiririra -nezvimwe zvishoma, zvakadai se dambudziko rehutano risingaoneki - rinenge rava kuda kusvika kune iwe pachako, kana kusakwanisa, kutarisira mari yako neuchenjeri. Ichokwadi ichocho chiri pachena, zvisinei kuti zvingave zvisina kufarira sei kubvumirana nekambani yakanaka, ndicho chikonzero chidiki-muchengeti vevanoratidzi saRonald Verengai kuguma kuva mamirionere evanomwe ne $ 8,000,000 + uye magweta anezvemusoro ekuwana 1000% fuma. Iwe unogona kushandisa mari yako, uchiita kuti ikushandire iwe, kana iwe unoshanda nokuda kwemari yako, kutengesa nguva yako (maawa ehupenyu hwako, chaizvoizvo chaiwo) pane zvaunoda vhiki iroro.

Anenge munhu wese anotanga kuita izvi asi munhu ane hupfumi, saRead, anoguma mumamiriro ezvinhu apo mubhadharo wake uri muduku kudarika zvikamu , chikwereti, nemari yaanotora.

Saka, chii, chikonzero chekufuma ? Ita zvinhu zvishomanana zvakanaka uye inonyanya kuzvitarisira pachako.

1. Nyaya yezvemupfumi inonyatsosiya mubvunzo wakakwana wezero iwe kana iwe 1.) ukapedza chikoro chesekondari, 2.) enda kuchikoroji, 3.) waroora, uye 4.) uve nevana muhurongwa uhwu sevatori venhau nevadzidzisi vanoda kukuyeuchidza munhu wose, matambudziko ako zvekuzowira muhurombo zvakasvibiswa kusvika pakuda kuva zvisingabatsiri. Ndiyo mhope yenhema mumutambo wemari wehupenyu. Shandisa zvayo. Kwose kukanganisa kunokonzera mbambo pamusoro pako nenzira ine simba. Hakusi kuitenderera. Hakusi kuramba. Uchapupu hahuna kugadziriswa uye data yakagadzirwa gargantuan.

1. Nguva dzose urarame pasi pezvinhu zvako kunyange iwe uri kuponesa mari shoma . Chirango chaunovaka ndicho unyanzvi hwehupenyu hwakanaka huchava nehuchabhadhara kune dzimwe nzvimbo, zvakare.
2. Ita iyo yakawanda kuti ishande mune nzira yakawanda-yepamusoro yekuteresa iwe unogona. Kune vanhu vakawanda, izvi zvichava kusangana kwemafa maviri eRoth IRA uye Roth 401 (k) . Yakasimbiswa zvakanaka, iwe unogona kunge usingaregi kubhadhara mitero pane zvakawanda zvekutsvaga kwako kwehupenyu hwako hwose. Kana iwe uine ruzivo, uye / kana kurangwa zvakakwana, kuti usvike kumiganhu yakawanda yemipiro gore roga rega, tanga kuvaka zvivako kunze kwematero emitero zvinogona kushandisa mukana wekusimudzirwa paunofa. Izvozvo zvinokubvumira kuti upe pane izvo zvinhu kuvana vako uye vazukuru pasina kumboita kuti mutero unowana mari . Zvose zvemhosva yako yemitero yakakanganwirwa yakanganwirwa .
3. Dzivisa chikwereti pose pose zvichibvira, zvikurukuru kadhi rechikwereti chikwereti uye chikwereti chemari chikwereti . Kana iwe uchikweretesa mari kune vamwe vanhu, izvo zvinobudirira zvinokwereta, unovakoka muupenyu hwako. Vanogona kuita zvido zvezveramangwana rako. Zvinogona kukukonzera matambudziko makuru kana iwe ukaputsa vimbiso yako. Kupinda chikoro chako chekurota hazvina kukodzera kushandisa makore 15 kana makumi maviri emakore ehupenyu hwenyu mune izvo zvinoenderana nekushanda, zviripo chete nokuda kwevanhu vanofarira kuSallie Mae, Navenir, Citigroup, uye Wells Fargo.
4. Reinvest zvikamu zvako . Kugoverwa zvikwereti zvakafanana nekuwedzera mafuta kumoto apo chikamu chemahofisi epakati, kusimbisa pfuma yako kuunganidza. Kutaura nezvekusiyana-siyana ...
5. Dhidzai mapepa enyu emari uye zvinhu zvenyu . Munhu wose anotaura nezvekusiyana kwezvinhu asi asi kuparadzanisa mari kune zvakakosha mubhuku rangu. Upenyu huri nani, uye husinganyanyi kunetseka kana uine mitsva yakawanda yemari inouya mukati kuitira kuti urege kuvimba nemumwe wavo.
6. Usambozviisa mune chimwe chinhu chausinganzwisisi uye usambogadziri mari yausingakwanise kurasikirwa nayo. Ndakatora kusvika pakudaidza iyo yekupedzisira ndiyo inonyanyokosha mutemo wekutsvaga mari .
7. Rega mari yako ishandiswe kwenguva yakareba sezvazvinogona. Zvinhu zvakashata zvinoitika kana iwe ukapfuura makore makumi maviri. Nyaya iripo: Nhamba yepamusoro yehuwandu yehuwandu hwekudzoka ichabudisa zvikamu zvishanu kubva muzana kusvika panguva iyo. Iva nemakore makumi mashanu, uye uri kutarisa 10 000%. Zvechokwadi, hapana chivimbo chekare chinodzokorora ramangwana uye kuisa mari nguva dzose kunobata zvingave zvakakosha, kana zvisingaiti zvachose, kurasikirwa - kungobvunza vashandi vekuAustria pakati pe1900 uye ikozvino inokonzerwa kwete zvishoma kudhevedzwa kwenyika neNazi Germany panguva yeHondo Yenyika II - asi hazvina kuoma kunzwisisa chikonzero chinowedzera kuve chakanzi yechisere chishamiso chepasi. Nyaya iripo: Nhamba yepamusoro yehuwandu yehuwandu hwekudzoka ichabudisa zvikamu zvishanu kubva muzana kusvika panguva iyo. Iva nemakore makumi mashanu, uye uri kutarisa 10 000%. Zvechokwadi, hapana chivimbo chekare chinodzokorora ramangwana uye kuisa mari nguva dzose kunobata zvingave zvakakosha, kana zvisingaiti zvachose, kurasikirwa - kungobvunza vashandi vekuAustria pakati pe1900 uye ikozvino inokonzerwa kwete zvishoma kudhevedzwa kwenyika neNazi Germany panguva yeHondo Yenyika II - asi hazvina kuoma kunzwisisa chikonzero chinowedzera kuve chakanzi yechisere chishamiso chepasi.

Iyo yekupedzisira inonyanya kukosha. Kune nzira mbiri dzekushandisa zvakanakira:

1. Tanga kutora mari iwe usati wapedza muupenyu.
2. Urarame chero bedzi iwe unogona. Izvozvo zvinoreva kuisa hutano hwako pakutanga. Tevedzera mazano echiremba wako, ayo anowanzotora nguva dzose: Usasvuta. Usanwa. Usaita zvinodhaka. Usave wakanyanyisa. Usashandise midziyo yakakura yepurazi panguva yekurapa mishonga. Nguva dzose pfeka bhanhire rako. Iyo yakanaka yakazara yakazara zvese zvezvigadziro zvako kusvika kune zvakaderera zvinhu zvinogona kudzorwa. Kunyangwe mamwe makore mashanu anokwanisa kuva magetsi kana iwe wakagadzira chikwereti chikuru.

Sezviri nyore sezvazvinonzwika, iyo ndiyo crux yehupfumi hwekuvaka. Ita zvinhu zvakanaka, iwe, mumashoko emabhiriyoniire Charles Munger, "nguva dzose hausi benzi ", uye mari yako inotora hupenyu huri yoga, kuwedzera, kukura kusvika kudenga, kukuratidza iwe nevana vako kubudirira. Mune nguva pfupi - uye chero pasi pemakore mashanu iri nguva pfupi- iyo yose ndeye ruzha.