Sangano rake re90/10
Hazvisi zvakaoma kuwana vanhu vakagadzirira kupa mazano emari asi kana Warren Buffett achipa zano rekurega basa, iwe unoteerera here? Nekodzero inokosha inodarika $ 90 mabhiriyoni, zano rake rinogona kuwedzera kukura kupfuura vazhinji, asi richakushandira iwe here?
Buffett's 90/10 Strategic
Mutsamba ya2014 kune avo vagovana vake, Buffett akati:
Mazano angu kune muteresi haagoni kunge ari nyore: Isa 10% yemari muhupfumi hurumende yehurumende uye 90% muS & P 500 index index ine mari yakaderera zvikuru. (Ndinokurudzira Vanguard's [nguva inoshandiswa-chiratidzo = VFINX]. Ndinotenda kuti migumisiro yenguva refu yekutendeseka kubva mumutemo uyu ichange yakakwirira pane iyo inowanikwa nevashambadzi vakawanda - ingava mari yepenjeni, masangano, kana vanhu-vanoshandisa vatengi vane mari yakawanda .
Ngatitorei izvi pasi. Chokutanga, nhepfenyuro yemari ndeye mutengo wekutengeserana kana Exchange inoshandiswa mari iyo inotevera kushanda kweimwe shanduro. Muchiitiko ichi, Buffett inoratidza ruzivo rwekutsvaga runotarisa kushanda kweS & P 500. Apo S & P 500 inomuka, ndizvo zvakaitawo rondedzero. Anofunga kupa mari 90 muzana yemari yako muchikwata cheko-based index.
Buffett inoratidza kuti vamwe 10 muzana vanoenda kune imwe nguva pfupi yehurumende yehurumende yebhadha. Vatungamiri vezveMarike vanokurudzira kushandisa bhadha mari yekuchengetedza uye kusagadzikana kwemari. Kana zvikwereti zvezvemari zvese zvichitora chikamu chisina kunaka, mari yezvisungo haigoni kutambura zvakadai semari yemari.
Dzivisa Mari Mari
Pakupedzisira, Buffett anosimbisa, "mari shoma." Kuisa mari hakusi kusununguka. Kana iwe uine mupi wezvemari, vanogara vachikubhadharai mari uye kana iwe ukasimudza mune zvekubhadhara mari, ETFs, kana zvimwe zvimwe zvinotengeswa izvo zvinouya nemari. Vamwe vatengi vanozviwana vachirohwa nemari miviri sezvavanobhadhara mutariri wezvemari uye mari yekubhadhara mari.
Mari inowedzera nokukurumidza. Funga nezvemakore ane makore makumi maviri nemashanu ane bhadha rekusimwa ne $ 25,000. Vanowedzera $ 10 000 gore roga roga uye vanowana 7 muzana yehuwandu hwekudzoka uye vachazosiya basa mumakore makumi mana. Kana munhu uyu achibhadhara 1 muzana mumari, ichavapa mari inosvika madhora 600 000 mumari inopfuura makore makumi mana.
Kuisa mari yekudhura mari yakafanana neBuffett zvinyorwa, zvinogona kuponesa munhu uyu zvinodarika madhora mazana maviri nemakumi maviri emadhora achimubvumira kuti atore mari inosvika $ 340,000 akapfuma.
Kusiyana neUchenjeri huripo
Chirongwa chekurega basa chaBuffett hachizogamuchirwi mazano anokuvadza kubva kune imwe yenharaunda yekupa mazano emari. Uchenjeri huripo hunowanzoti kune zvakasiyana-siyana kushandisa kusanganiswa kwematokisi, musungo, uye mari yepasi rose. Nzvimbo dzekugara pabasa dzinowanzozadzwa nekusanganiswa kwemari-kurema kupfuura 2, kudzivisa njodzi yeimwe nzvimbo yemusika unotarisana.
Vazhinji varozano vezvemari vaizobvisawo naBuffett kuenzana. Vaizoreva kuti kunyanya kune vashandi gare gare muupenyu, hurongwa hwake hunoisa huwandu hwakawanda pamatambudziko ekuchengetedzeka kwemari apo 1 kuderedza dambudziko kunogona kubvisa mari yekuchengetedza mari kwemakore anotevera.
Rimwe rinonyatsozivikanwa mutemo wechigunwe chinoreva kuisa chikamu chepodfolio yako mubhadha mari yakaenzana nezera rako. Kana uine makore makumi mashanu, ita mari 50 kubva muzvisungo kana mari yezvisungo. Vayiridzi vezvemari vanobvumirana kuti zvinonyanya kuchengetedza uye zvakanyanyisa kunzwisisa asi ivo vangati mazano aBuffett haana ngozi.
Pakupedzisira, vangangopokana kuti kana iwe uchikwereta $ 90 mabhiriyoni, iwe sarudzo yako yakasiyana nedzimwe munhu ane mazana mashomanana ekuchengetwa kwekuwanda kune avo vakawanda.
Chii Unofanira Kuita?
Iwe haugoni kudzora nemari yekutsvaga mari ichaita mune ramangwana asi iwe unogona kudzora mari yaunobhadhara.
Mari yepamusoro haigoni kuenzana nekudzoka zviri nani kana uchisarudza mari ye 401 yako (k) kana imwe yekusimwa mari, sarudza mari ye index nemari shoma. Kana uri kushandisa mutariri wezvemari, vabvunze pamusoro pemari yavo. Kana mari yacho yose yakawanda kupfuura 1 muzana, iwe unogona kuripa zvakawanda asi sechinhu chero chipi zvacho, chengeta zvauri kugamuchira nokuda kwemari yauri kuripa.
Munowanzo, zvakanyanya kuoma mamiriro ako emari, zvinowedzera kuvepo kubhadhara mari yakakwirira. Pakutanga kwehupenyu paunenge uine huwandu hwakaderedzwa, varimi-varairi vangave vakakodzera kufunga.
Chechipiri, usawa nekuda kwekuti iwe unogona kukunda misika . Kutsvakurudza kunoratidza kuti nekufamba kwemazuva, kushanda kwako kunonyanya kuratidza kushanda kwemusika wose. Kubhadhara mari yakakwirira yevashandi vekutsvaga kwekutsvaga kuedza kurova pamusika zvichida haigoni kuripa.
Zviri Nezvokufungidzira
Buffett yekutsvaga kwekutsvaga kwekutsvaga kwave kuri nguva dzose pamusoro pekuita nyore. Ita sarudzo inodhura, inonzwisisika kunzwisisa, uye inobva pane izvo makumi emakore ekuongorora zvinoratidza kuti ndezvechokwadi. Zvakanakisisa kuwana mutungamiri wezvemari iwe unovimba nekugadzira chirongwa chakakonzerwa newe, asi chirongwa chekurega basa chaBuffett chave chibudiro chekubvisa mari yekutambira kwete kwete iye oga, asi mamwe akawanda kwemakore.