1. Kugadzira kana kuwana Bhizimisi Rinoita Kuti Kudzoka Kwedzidzo kuEquity
Nzira yakasimba yekuvaka pfuma yakawanda ndeyokutanga kana kuwana bhizinesi rine zvinhu zvitatu.
Kutanga, inobatsira kudzorera zvakakwana pahutano . Chechipiri, inotyisa; izvo zvinoreva kuti vatungamiri vanogona kupfuurira kukura nyore nyore, zvakadai naMcDonald's kana Wal-Mart's cookie-cutter model. Pakupedzisira, hurumende inoda kuzvirumbidza kubatsiridzirwa kunobatsira kunobatsira kune imwe nzvimbo (izvo Warren Buffett anodana " kukosha kwekutengesa "). Izvi zvinogona kutora fomu yehurumende kana yekutonga kune imwe nzvimbo yakadai sedhoroji rine pepanhau rimwe chete mumakore ekumazana makumi maviri nemakumi maviri, kudzivirirwa kwechirongwa pamushonga unokosha kana chimiro, zita rezita rakadai seCoca-Cola kana chimiro chechimiro chakafanana Tiffany & Co.
Mazhinji emabhizimusi makuru eWall Street ayo ane makambani ehurumende yezvokutengeserana nhasi akatanga nenzira iyi. Funga Microsoft, Apple, Wal-Mart, Target, The Limited, Dell, Home Depot, Yankee Candle, Bank of Granite uye CitiBank. Nzira dzaive dzakasiyana; vamwe vaive vatengesi vakatanga nevashambadziri asi vamwe vaiva makambani akatorwa nevanonyanzvi vezvemari vaiziva vaizogadzira bhizinesi.
Vakapa motokari yakavabvumira kuti vawane mari yakawanda kudarika basa ravo chete raigona. Icho ndicho chiyi. Iwe haugoni kuvaka imba inoremekedzwa kana iwe uri kuvimba nebasa rako pachako kuti uwane mari. Muridzi weketani yemabhangi ari kuunganidza mari inofarira sezvo ane kudya kweKrisimasi nemhuri yake kana kuenda kunobata hove.
Enzanisa izvozvo kumusikana anoshanda zvakaoma akashanda anofanira kuratidza uye kusveta zvimbudzi kuti atsigire mhuri yake.
Icho chinhu chinokosha pane chimwechete pakusarudza bhizinesi ndiko kudzoka kwehuwandu hwemari. Kupfuura nguva refu, kunyange dai iwe uchingotora mashizha kana makambani zvishoma kudarika zvaaikodzera, zvichave zvakaoma zvakaoma kuti zviwane zvakanyanya kudarika nguva yakareba yakagadzirirwa kune vashandi vemari. Kuti uwane ruzivo pamusoro pezvikamu zvinosanganisira ROE, verenga nezveDuPont kuongorora uye kuti ungashandisa sei muupenyu hwako kana bhizinesi.
2. Usakanganise Equity Position yako
Mhuri yaSam Walton yaiva ne40% yeWal-Mart. Mumakore okutanga, Bill Gate aiva ne 44% yeMicrosoft asati atanga kutengesa zvikamu zvekuvakwa kwake uye zvakasiyana-siyana. Warren Buffett ane inopfuura 30% yeBerkshire Hathaway . Cherechedzai muenzaniso? Kuti uve nehupfumi hwechokwadi, zvinoda kuti iwe uve nekese yekambani sezvazvinogona. Kazhinji, izvi zvinoreva kusaderedza zvikamu kuburikidza nekudhinda zvimwe zvivhoti zvepamusoro pekutsvaga.
Sei vanhu vashoma vashoma kuita izvi? Kukura bhizinesi kunotora mari. Kana iwe usati watova mupfumi, nzira chete yekudzivisa kutora chikwereti kuri kukwereta kuitira kuti chikwereti icho chikamu chikamu chikuru chemugadziri wemari , kana kuti ive nekambani inokubvumira kushandisa mari yevamwe vanhu yakadai sekambani ye inshuwarisi inogadzira kusvetuka kubva kune avo vanoita zvematongerwo enyika iyo inotengeswa mumatanda, zvisungo, nezvimwe zvinhu.
3. Tora Kubatsira Kwakaisvonaka Mutero Mutemo
Imwe nzira yekuvaka pfuma yako ndeyekuti uchengetedze mari yakawanda sezvinobvira. Izvi zvinosanganisira kushanda nevatungamiri vezvemari uye vakangwara uye vadzidzisi vezvemari vanozivikanwa vanogona kukubatsira kugadzira zvinhu zvako kuitira kuti uve nemari yakawanda inowedzera iwe nevana vako vagove munguva refu. Ichasanganisira nzira dzakadai sokuwana zvikwata zvakafanana zvaunoramba uchivharidzirwa kwemakumi makumi emakore kuti pakupedzisira iwe ushandise zvakasununguka. Zvinoda kuongorora nzira dzekuwedzera mari yaunogona kuisa mumutero usingabhadhara mutero yakadai seRoth 401 (k) itsva .