Iko Stock Market Ndiyo Yakave Nesvondo Kupfuura Ipi Ivanabhizimisi Vanotenga uye Kutengesa Equity yavo mu Companies
Hasi nguva dzose inonzwisisika, uyewo mutengo wemari haina kuratidza kukosha kwezvakakosha zvebhizimisi pasinei nekufungisisa nguva zhinji.
Shandisa izvi kuti zvikubatsire. Nguva dzekutya kwakasimba uye kuvarisa zvinobata misika yevanhu nokuti misika yevanhu vose inosanganisira vanhu nehondo dzavo dzose, kusava nehanya nemanzwiro. Mune imwe nyaya yapfuura ichitsanangura tsanangudzo yematambudziko , ndakapa muenzaniso wezviitiko izvo chaizvoizvo hazvina kuwira munharaunda iyoyo. Nokuda kwekunzwisisa, ndichadzokorora muenzaniso wandakapa ipapo:
Kofi gikuru Starbucks inonakidza nyaya yekudzidza. Pamberi pekupera kwe [2008-2009], iyo yebhizimisi yakanga ine rock-solid balance sheet uye mushure mekubhadhara mitero yakanga iri kuputika. Apo dambudziko remari rezvematongerwe enyika rakaonekwa, mhuri dzaikurumidza kurasa dzimba dzavo, mabhenji ekutsvaga mabhizimusi akatanga kuvhara, uye Dow Jones Industrial Average yakatanga kukoromoka, iri bhizinesi rinoshamisa raibhadhara, kubudisa mari yakawanda yebatsiro uye kubuda kwemari, yakaderera kubva kune yakadarika $ 20.00 kugoverana muna 2006 kusvika pasi pe $ 3.50 muna 2008; chimiro chaimiririra zviduku zvinodarika 8x pamatare ayo emakore asati apfuura uye 12.5% mushure mekubhadhara mari yezvibereko. Iyi ikambani yakanga ine nzvimbo yakawanda yekuwedzera yakasara, yakanga ichikura pa20% + isina kuwedzera kuenzaniswa kwemashoko makumi emakore; pamwe nenyika yose yakasara kuti ikunde sezvo inowedzera kuChina neIndia. Yaiva mukana wekare-mu-we-upenyu kuti uve muridzi wekutanga mutengesi wefivha pasi. Vaya vakashandisa mukana wavo kwete kungounganidza $ 1.66 + mumari yemari mumakore kubva ipapo, asi vakatarisa chikamu chinokwira kumashure madhora 51 + pamusi wega. Nehurukuro iripo ikozvino ye $ 0.64 nega imwechete kutevera bhodhi yemutungamiri sarudzo yekuendesa mari yakawanda kuvaridzi , izvo zvinoreva mumwe munhu, pane imwe nzvimbo kunze uko zvakanaka zvaigona kuunganidza 18% + cash dividend kubhadharo pamari yezvikamu zvakatengwa pane zvachose pasi (yeuka - panofanira kunge kune muchengeti uye mutengesi mune zvese zvekutengeserana;
Nenguva shomanana muhupenyu hwomudzimai wese, iye achaona chimwe chinhu chakadai chikaitika; Makambani anoshamisa kwazvo ane mashizha akasimba uye rock-solid kukwikwidza mabhizimisi nzvimbo dzinoita kuti purogiramu inonyadzisa igoverwe mumigwagwa sezvo munhu wose ari kutya mukutya, kurasa zvinhu zvavakange vabhadhara mitengo yakakwirira kwazvo kwemazuva masere, kana makore, zvisati zvaitika.
Muna 1973-1974, somuenzaniso, mamwe emakambani akakurumbira munyika yose akatengeswa ne3x kana 4x kuwana. Muna 1929-1933, makambani akawanda, pane imwe nguva kana imwe, akatengesa zvishoma kudarika mari yaaiva nayo mubhangi, achipa kukosha kwakanaka kune bhizimusi, zvigadzirwa zvaro, mairi, uye zvigadzirwa zvaro zvepfungwa.
Index fund investors (iyo ini ndinotenda inofanira kunge iri vazhinji vevanhu vanoverenga izvi iye zvino ) vanogona kushandisa zvinyorwa izvi, zvakare. Nepo iwe unonamatira purofisi yakarangwa inodhura hurongwa hukuru , kutenga nguva dzose pamusika wepamusoro uye kuregerera, hapana chinokudzivisa kubva kuwedzerwa zvipo zvako panguva dzese yepanic kumusoro uye kunze kwepurogiramu yako yekusununguka kwemari . Pakanga pane vanhu vanoverengeka vari mukati memukati mangu vakashandisa mazano atakapiwa munguva yekupedzisira kuparara, vachidzika pasi kune Human Resources kuwedzera 401 (k) zvipo. Ini ndinotoziva nezvevanhu vanopfuura mumwe chete vakatora chikamu chechitatu nechechitatu, vachiisa mari yakawanda mumatokisi evanhu vose vakanga vachirasika! Kana nyika ikaparara uye iwe uine chokwadi kuti nyika ichapona, zvingasava chinhu chakaipa kushandura mamiriro ezvinhu edzimhuri yako kubudirira.
Kune avo vese vane chimwe chinhu chakafanana neVanguard S & P 500 index fund ndiyo yako inoshandiswa nzira yekuwedzera mari yako, tya kudya kunze uye kushandisa mari yaunenge uchitenga kutenga mamwe mashomanana. Sarudza husiku husiku pane imwe nzvimbo yekutengesa. Iwe unofunga kuti ndiri kushungurudza asi nhoroondo yakaratidza zviitiko zvakadai izvi zvichiitika chete kamwe mashoma mashoma makumi emakore. Iva wakagadzirira kubata mukana kana uchigogodza.
Mariro nemitero Matter
Uyu ndiwo musoro wandakadzokorora kwemakore gumi nehafu asi unofanirwa kuinzwisisa. Zvinodhura nyaya. Mitero inokosha. Mune imwe nyaya yandakanyorera vhiki ino inonzi 7 Nzira dzekuderedza Mhuri Yenyu Yemutero Wokubhadhara , ndakatsanangura kuti kuteerera kwezvinhu zviduku sei, sekugadziriswa kwekugadzirisa mitero yemagetsi kana kubata zvikamu nenzira yakadai kuti vagari venhaka venyu vanogona kuzviwanira ivo zvakasimudzwa , zvinogona kuwedzera mamiriyoni emadhora mune imwe yekodzero yakakosha kumhuri yako yemari.
Izvo zvinoenda pakudzivisa kana kuderedza kusagadzirisa mari yaunosangana nayo, iyo inoita semutero wekushambadzira wakavanzika .