Nguva Yakaitwa Nenhare
Chokwadi chine simba, chisingarambiki chinowanzodzokidzwa mune zvemari ndezvekuti kuita mari yakawanda hazvidi kuti IQ yakakwirira, kana mumusika kana mubhizimisi.
Zvinotora utsinye kudzvinyirira mari , kurongeka, uye kuisa pfungwa pakuita zvakanaka kune nguva refu, kunonamatira chete kune zvaunonzwisisa (kana kuti denderedzwa rako). Kunyangwe iwe uri kutamba chikoro cheMcDonald kana kutarisira 401k yako kubva kuhofisi yako yekumba, zvichida mari inobatsira Nobel mubhadharo Paul Samuelson akati zvakanakisisa: "Kuisa mari kunofanirwa kufanana nekuona pepa yakaoma ... Kana uchida kufara, tora $ 800 uende kuLas Vegas. "
Chirevo chekubudirira hachina kushanduka mumazana emakore akapfuura, uye zvinoratidzika seasingachinji mune ramangwana.
Kutonga Kwokutanga Kwekuita Mari Munguva yeStock Market Crash
Tenga zvigaro zvemabhizimisi akanaka anobudisa pfuma chaiye uye marudzo anonakidza pane kuenzana , ane chikwereti chakaderera kusvika kune chekuenzanisa , iyo inovandudza purogiramu yakawanda yemiganhu , ine mugoveri-ane hutungamiri hwehutano, uye ine zvimwe zvinotengesa mari . Aya makambani anotsigira zviri nani pasi pekunetseka, achiita kuti awanezve, kunyange kana mutengo waro unoderera ne75% kana kupfuura.
Mutemo wechipiri wekuita mari munguva yeStock Market Crash
Dollar inodhura kuwandisa mukati uye kunze kwezvinzvimbo zvako, kutenga uye kutengesa pamitengo yakatarwa uye kuisa mari yemari. Izvi zvinokubvumira kuti urege kutenga nzvimbo panzvimbo yepamusoro kana kutengesa iyo pasi. Iwe hauzombokwanisi kupedza nguva yemusika, saka unonamatira kune chinangwa chemuitiro wekugara nguva dzose kuunganidza kana kuvharwa.
Chechitatu Chekutonga Kwekuita Mari MuStock Market Crash
Dzorera zvikwereti zvako nokuti zvichaita kuti mari yako iwedzere kudhura purogiramu. Basa romupurofesa wepamusoro wezvemari Jeremy Siegel akaratidza nguva nenguva kuti zvikomborero zvakadzorerwa ndezvimwe chikamu chikuru chepfuma yakawanda yeavo vakaita mari yavo yekuisa mari mumusika.
Mutemo wechina wekuita mari munguva yeCash Market Market
Chengetedza mari yako pasi. Kunyangwe zvingaita sezvisingakoshi, asi pane musiyano mukuru pakati pekuwana 7% uye 8.25% pamari yako. Kune wemakore makumi maviri nemashanu anokwereta $ 5,000 pamwedzi muRoth IRA ane tarisiro yekurega pa65, 7% yehutano hwekudzoka ichaita kuti atendere madhora 998 175 kuburikidza nekurega basa. Kudzoka 8.25% kuchaita kuti $ 1,383 610 pfuma. Ndiyo 38.6% mari yakawanda, kana $ 385,435! Ita musiyano mumasangano emunharaunda uye iwe unowana $ 17,000 + inowanikwa mushure mekutererwa mari kune gore negore usingabatanidzi mukuru wako.
Funga pamusoro pazvo - iyo inotengeswa iyo, ine zvishoma zvishoma zvakadzoka, ichakutora imwe $ 1,400 + pamwedzi mushure mekunge mushure mekubhadhara mari yekusarura pasina kumbofanira kugunzva chikwereti chako. Pamberi pemitero, iyo inenge $ 2 300 mubhadharo wakakomba pawanga uri kushanda mapfumbamwe kusvika mashanu pazuva rako basa.
Isa imwe nzira, kuwana iyo yakawedzerwa 1.25% kudzorera makore anopfuura makumi mana yakafanana nekugamuchira mari ye $ 27,600 pamakore ekushanda kwako. Misiyano huru ndeyokuti haufaniri kutarisana nemaawa anogadziriswa, maneja, vashandi pamwe navo, kana kuti kuenda kunotora chikamu chako chemunharaunda chido.
Sei uchitaura nezvema 1.25% musiyano? Iyo ndiyo mitero yekufambisa inopomerwa nemari yakawanda yakabatanidzwa pamwe chete. Imwe nyanzvi inotsvaga inotenga uye inobata tswanda yematokari yakasimbiswa kuti igadzire murondedzero - kazhinji, S & P 500 kana Dow Jones Industrial Average . Nekuda kusina mari yekugadzirisa mari, iyo mari inoshandiswa inongova 0.12% yezvigadziro pagore, kana $ 120 ye $ 100 000 yawakashandisa kushanda! Iyo mbiri mbiri yakakurumbira yemari inopiwa neVanguard uye Fidelity (chengetedza tarisiro yezvinodiwa mari zvinoenderana).
Ndakaona imwe pfuma huru yekuchengetedza hupfumi inopa S & P 500 index index, iyo inoda kunge isina basa, asi inokwidza 1% + mari inoshandiswa gore negore.
Ndiyo 10x mari yemari yeFidelity uye Vanguard yezvimwe zvakagadzirwa! Watove watoona kuti zvinorevei zvingava kuhomwe yako yepamusoro pamakore mashomanana. Vazhinji varairimu havaoni kukosha kwemari yemari nokuti mari inowanzobviswa kubva kune mutual fund pachayo. Mune mamwe mazwi, haafaniri kutora cheki saka ndiyo nyaya "kunze kwekuona, kunze kwepfungwa". (Kuti uwane mamwe mashoko, verenga All About Mutual Funds .)
Chechipiri Rule Rokuita Mari MuStock Market Crash
Pakupedzisira, chakavanzika chokupedzisira chekuvakira fuma yako apo Wall Street iri mudutu ndiko kugadzira kubhadhara mari ye generator nemari inowanikwa . Ichi ndicho chimwe chezvinhu zvakakosha zvikuru zvaungaita kuti udzive ngozi yako. Kunyange kana iwe uri gweta rinowana $ 300,000 pagore, kana mutambi achiita $ 2,000,000 pamusana pefirimu, uchange uine hupenyu hunofadza zvikuru kana iwe uchiziva kuti iwe hauna kuvimba nemari yako inotevera kuti uchengetedze mararamiro ako ehupenyu.
Kushandiswa kwangu kunofadza kweyi nzira ndiyo Berkshire Hathaway Model . Iyi ndiyo nzira yehupenyu hwangu uye mari yangu yakagadzirirwa, uye inogona kuita kuti zvive nyore kwazvo kuunganidza mamiriyoni emamiriyoni ekutanga emadhora mumutengo unokosha. Muchidimbu, iwe unorarama kubva pazuva rako basa, kubhadhara mari yako yokurasikirwa kubva pamari yako yenguva dzose. Zvadaro, unovaka mamwe ma generator emari (semuenzaniso, motokari yakashambidzwa, mabhizimisi ezvitoro, mapepa emapepanhau, basa rekuchengetedza zvekuchengetedza mukati mezhizha, mavheti, zvipfeko, dzimba dzinoshanyira, nezvimwewo) zvaunoshandisa pakuvaka yako mari yekushambadzira. Nenzira iyo, iwe uchiri kuita chinhu chako nguva dzose-kuenda kubasa, kutora vana, kuva nemisangano yevashandi, uye kuisa gasi mumotokari - yako mari ye generator iri kudira mari mukutengeserana kwako, kubhadhara, uye mamwe majeti ekutsvaga.
Izvi zvinogona kuveura makumi emakore kubva pakutsvaga kwako kusununguka kwemari, zvisingarevi kukudzivirira iwe kana iwe wakarasikirwa nebasa rako (pane izvozvi, iwe unogona kukwevera mari pakarepo kubva kune vatori vemari kuti ubhadhara mari yako yehupenyu kusvikira wawana basa zvakare ). Funga nezvaWarren Buffett . Kana Dairy Queen yaizoputsika, aizoramba ari mupfumi kubva kuG GEICO. Kana yakange ichitsvaira zvakare, iye achiri neNebraska Furniture Mart. Kana izvozvo zvakaparadzwa, pane nguva dzose Benjamin Moore Paints. Kana vakazodzimwa, aigona kugara achidzokera kuCoca-Cola. Kana vakaguma vavapo, nguva dzose pane America Express, Washington Post, Wells Fargo, US Bancorp, Johnson & Johnson, Borsheim's, uye MidAmerican Power. Kunyanya, anoita kuti mamiriyoni agere pane zvakasiyana-siyana Bhuku reVatungamiriri . Zvose izvi zvakatanga nemugwagwa wepapapa wakapa hurukuro yake yekutanga makore makumi manomwe akapfuura. Dzidza kubva pauri!