Muchikwata chekutsika-nhanho Kuvaka Gwaro Rakazara , takakupa kunzwisisa kunobatsira pamusoro pekuti bhaari yako inogona kuonekwa sei kana iwe uri kutarisa mukugadzira sarudzo yakakwana kune zvinodiwa uye mune ramangwana mari inodiwa. Mune izvi zvinotevera, Zvikamu Zvitanhatu Zvokuvandudza Purofiti Yenyu Yekudzorera , uchaona kuti zvishomanana zviduku, zvakangwara zvinofamba zvinogona kureva nyika yakasiyana mumutengo wemari yaunowana muhomwe yako sezvaunofamba uchienda kumucheto.
01 Usanetsa Kukura Kwekuwedzera neZvako zveKubata Kwako
Izvo zvinopesana ndezvechokwadi; Waizotenga kambani inokura pa25% pagore nokuda kwekuwana 100x mibairo, zvakanyanya kunge zvisingaiti iwe waizoitawo saizvozvo. Haisi kungoti kune ngozi yakawanda yekubwinya kamwe chete mukuurawa kuparadza zvizhinji zvezvakawanda zvezviyo, asi iwe uri kuvimba netariro uye munyengetero wekuti zvinhu zviitike zvinogutsa. Kuisa mari kwechokwadi kune chokuita nebhangi pane zvinhu zvingangobatsira iwe, kunyange kana zvinhu zvose zvisingaendi maererano neurongwa - izvo zvisingamboiti.
02 Chengetedza Kubudirira seBlack sezvinobvira
Tweedy, Browne & Company, imwe yekare uye inoremekedzwa kukosha mabhizinesi ekuisa mari munyika yose, yakaratidza kuti kuparadza kunokonzera kukwidziridzwa kwakakwirira kunogona kuitwa pamushumoti mumusi waNovember 22, 1999, tsamba kune vanogovera. Nheyo yavakabudisa inotora $ 1 Mamiriyoni ekutanga kutengeswa yakawedzera pa 20% pagore (mushure mezvose - vatariri vemari vakawanda vasingashandisi mukutengesa kwavo vanosimudza chido chavo chekuita zvinoda kusvika 70% kusvika ku80% pane nani nguva yakare chinyorwa.) Vakaramba vachifungidzira kuti 27% yekutengesa mutero pazvinhu zvose zvakawanikwa uye makumi maviri emakore kubata nguva.
Pakutengeswa kwegore negore kwe 0%, kukosha kwepodfolio yaizokura kusvika $ 38,337,600; pa3% inowanikwa, $ 34,211,200, pa10%, $ 27,808,500, pa30%, $ 20,250,200, pa85%, $ 15,695,500, uye pa100% mutengo, $ 15,264,800. Mune mamwe mazwi, iwe unopedzisira uine 150% yemari yakawanda semubairo we 0% yehuwandu huwandu huwandu hwehuwandu hwehuwandu kupfuura iwe unenge uchida kuisa mu 100% podfolio yemari, iyo yakaderedza chikwata chekuwedzera kwegore (CAGR) kusvika ku14.6%. Nokudaro kukwezva kwekutenga-uye-kubata nzira yekuisa mari - nekuda kwekukanganiswa mari , iwe unogona kubuda mberi nemari yakawanda muhomwe yako nekuchengetedza mari inowedzera pamadhora mashoma.
Ndihwo hukuru hunofananidzwa hwe nzira iyi yakafambisa Charlie Munger, Vachigaro weBerkshire Hathaway, bhizinesi webhizimisi weWarren Buffett, uye anonyanya kuremekedzwa uye akagadzirisa maneja wemari, kuti atore mutsara unofadza we "kugara pane yako" kuisa mari " kurondedzera chakavanzika chokukura zvechokwadi chave akapfuma kwenguva refu. Iko inokubvumira kuita zvinhu zvinokosha kwauri zvakadai sokuenda kumitambo miduku yevana vako, mitambo yechikoro, kuverenga, kuva nekofi neshamwari, mazororo nemumwe wako, kana chimwe chinhu chipi zvacho chaunokoshesa zvikuru.
03 Kuziva Simba rekuwanazve Zvikamu
Nguva dzose Reinvest Zvikamu Zvako
Chikonzero Nei Kuda Kuve Kwakanyanya Kwava Kubatsira Kwazvo
Kugoverwa Kwekuvandudza Mapurogiramu
Kusarudza Matengo Akaparadzana Makuru
Paunotsvaka Kutsvaga Kwekugoverana, Kugoverwa Kugovera Haisi Izvo Zvose Zvakakosha
04 Ita Zuva Rako Rwakafarirwa Zvikuru: Tora Chikoro Chekudzidzisa Kubhadhara
Iwe unopedza makore uchishanda nenzira yako kumusoro kwekambani. Iwe unomuka mangwanani oga oga, uduruke caffeine muhutano hwako, uite nekutengesa kwemaawa, kushanya kwebhizimisi, kurega nevana vako, vanoremekedza vashandi, vashandi vanovenga, vashandi vanotsamwisa, uye nezvimwe zvakawanda zvehupenyu huchauya, pa zvishoma nezvishoma, mumabasa ako ose. Asi, kana zvasvika pakuchengetedza mari yaunoshandisa zvakanyanya zvakaoma zvakaoma, vanhu vazhinji vanongodonha mucheriri. Izvi zvinosuruvarisa, kunyanya muchiedza chekuti nenzira yakakodzera, hutungamiri hwepamusoro, iyo mari inogona kuwedzera mari yako kune iwe kupfuura basa rako raunogona.
Izvi zvakatsamwirwa munguva pfupi pandakanga ndichikurukura nyaya yekuti vashandi vakawanda vanonzwisisa sei kuti zvingave zvakanaka sei pamusoro penguva refu yekushandura hurongwa hwekambani yemari yekutsvaga kubhadhara chikwereti nekukwereta mari kwenguva refu, yakagadziriswa purogiramu yekudzikinura chikwata, kuderedza nhamba yose yezvikamu zvakakosha. Izvi zviri kuitika sezvatinotaura mune imwe zvandaifarira zvangu, AutoZone. Kuti uwane mamwe ruzivo pamusoro payo, ona Ikupedzera Kwechikwereti kuEquity Ratio - Kutarisa Kupfuura Numeri
05 Ramba Uri Mukati Wako Kumugamba
Paunotarisa pamatokisi ako, zvisungo, mutengo wemari, nezvimwe zvinhu, unofanirwa kuwana manzwiro akadzikama ekuziva. Kana iri chivakwa chezvivakwa, unogona kuyeuka zvawakabhadhara, nei wazvitenga, uchienda uye uchiongorora nzvimbo yacho yekutanga, uye iwe ukasaina mapepa. Kana iwe uine chikamu cheMcDonald's, Johnson & Johnson, S & P 500 index index, kana chimwe chekuchengeteka kusingabviri, apo iwe unotarisa pamusoro pemishumo yako, iwe unofanirwa kuziva chaicho chaicho iwe iwe-kuti unotarisira zvakadini kuwana mugove wega wega kuti uwedzere Imakore gumi inotevera, kutungamirirwa kwekugoverwa kwenheyo mazano (zvikamu zvinokonzera vs. kugoverana zvekudzikinura vs. kupera kwemadhora vs. kutsvaga, kurwisana nekukura mumutumbi), pamwe chete nemitemo yepamutemo uye yezvematongerwe enyika inogona kuchinja nzvimbo yako.
Ndokusaka Warren Buffett achitaura kuti vatengesi vanoramba vari mukati mavo vane ruzivo rwakakosha zvikuru. Iwe unogona kusakwanisa kukoshesa mafiro ebasa remafuta; siya izvozvo kune mumwe munhu ane ruzivo mumunda iwoyo. Pane kudaro, fungisisa pane zvaunoziva uye kuti ungaita mari sei. Graham, mune rimwe remabhuku ake akawanda ekutsvaga mari, akaratidza nyaya yemunhu wepakati pevanhu akave akajairika zvikuru neAmerica Water Works Company, akakwanisa kuita pfuma yake kutenga uye kutengesa chete kuchengeteka ikoko kwehupenyu hwake. Mukutsvaga, ruzivo rwe ruzivo haruna maturo; izvo zvaunoda ndiko kudzika kwezivo.
06 Bvunzai Peter Lynch Mubvunzo
Peter Lynch aigara achitaura kuti pamagumo egore rimwe nerimwe, mutyairi anofanira kutarisa pamusoro pezvaakabata uye kuzvibvunza kuti, "Kuziva zvandiri kuziva iye zvino, uye mutengo unoshandiswa nawo maitengesi epanguva ino, ndingada here kuisa mari itsva mari yekambani iri pasi pemamiriro ezvinhu aya dai ndisina kutora nzvimbo? "Kana mhinduro yacho kwete, unoda kuongorora kwenguva refu uye zvakaoma zvikonzero zvako zvekuchengeta kuenzana.
Pane mamiriro mashomanana apo zvingave zvakanaka kuti urambe uine chimiro cheo, kunyange kana mhinduro yako ichiti "kwete." Zvichida mitero yako yakasimwa yakakura zvakakura zvakaguma nekuda kwemari shoma shoma yekutengesa nekutsvaga mukutora iwe vanotarisira kuwana kunyange zvikamu zvitatu zvemazana kana zvimwe pamusoro pemakore gumi anotevera zvichanyanya kukudhura mari semugumisiro wehutano hunotasikirwa ne IRS. Zvichida, kunyange, inongova nyaya yakajeka yekuziva uye kunyaradza. Iko kwaiva Firipi Fisher, munyori wevhu rakavhiringidza Common Stocks uye Unowanikwa Kubatsira , uyo aiwanzokurudzira vaverengi vake kuti vave vakangwarira nezvekutengeserana mumatanda ekambani yavakaziva kwemakore akawanda uye vanonzwisisa zvakanaka pane izvo vasiri ivo anozivikanwa sezvainozivisa marudzi akasiyana ematambudziko.
07 Maitiro Aunoita Mari Yako Inogona Kuva Mamiriyoni Mamiriyoni Dhora
Nhoroondo dzakasiyana dzakasiyana dzakasiyana nemitemo pasi pemutemo. Mune imwe tsika yeIRA, semuenzaniso, unogona kutora mitsva yaunowana kubva pamitero yako yaunowana, iyo mari ichakura musero mushure mokuitora, apo iwe uchatora mutsva pane zvavanowana sezvavanoparadzirwa. A Roth IRA, kune rumwe rutivi, haakubvumi kuti iwe ubvise mitsva kubva pamitero yako yaunowana, asi mari inokura munhoroondo haizombokwanisi kubhadhara maererano nemutemo wezvino. Izvozvo zvinoreva kana iwe une $ 10 000 munhoroondo yako uye uwane Wal-Mart inotevera, ichikukura kusvika kudarika $ 10,000,000 mumakumi mashoma emakore, Amai Sam havazogoverani mu bounty; zvose ndezvako.
Yeuka iwe unofanirwa kubvunzurudza iwe pachako unoremekedzwa uye unozivikanwa muteresi wezvemitero kuitira kuti ugone kuwana ruzivo rwakananga kubva pauri iwe pachako. Nyaya dzakawanda dzekodha-dzakabhadharwa dzinoenderana nemitemo yakawanda yemipiro gore roga roga kuitira kuti iwe unowanzomanikidzwa kusarudza kuti zvipi zvaunofanira kubata. Mimwe mitemo yakawanda ndeyekuti:
- Kutengeswa kwemitero-yakadai seongorori-based mutual funds inofanira kutarisirwa zvakananga nekambani yemari kana kuti nekambani yekwereti. Sezvo vasingakwanisi kutenga uye kutengesa mazvikwereti kazhinji, kubudirira kunogona kuvaka mukati mekuda kwekutenda. Zvimwe pane izvozvo gare gare.
- Mari inokonzera zvikwereti zvakadai seRRITs , zvikwereti-zvikwereti zvakachengetwa, uye zvisungo zvekambani zvinofanira kuitwa mumatare ezvinyorwa zvakanaka. Nhengo dzekambani dzinoshandisa zvese zvavanowana uye unoronga kubata kwenguva yakareba dzinogona kunge dzakanyanyochengetwa mumabhengi edzikwereti . Bhizimisi rakafanana neBerkshire Hathaway, risina kubhadhara chikamu kubva pakati pemakore ekuma1960, mukana akanaka nokuti chero bedzi iwe wakatenga zvikamu zvako uye uchiri kubata iwo, iwe hauna kubhadhara mari inobhadhara mitero. Pane kudaro, mari yako yave ichiwedzera sezvinenge iri muIraja yeChechi nemutero unongotengeswa chete.
08 Chengetai Kutengesa Kwemakero Pamusoro Pechikamu Chetatu
Pakupedzisira, ichi chikamu chimwe chezano rinogona kukuitira zvakanaka kana iwe wakasarudza kuvaka nguva yakareba, yekuchengetedza mari yekuchengetwa kwemari inoshandiswa pamadhora ekubhadharisa mari , kudhura kwemari nzira dzakadai semugove wekugoverwa patsva (inozivikanwa zvakare senyaya yeDDRIP), uye usatarisiri kubvisa mari kana kuti unoda mari yemakore gumi kana kupfuura, nzira yakanakisisa yekuita kubva pane zvakaitika munhoroondo ingangodaro yekuenderera mberi. Ikozvino, shandisa mari yako yekutsvaga kuregera kubva kubhendi yako yekuongorora kana kuchengetedza mari, kudzorera zvikamu , uye kutarisa kungotenga pangozi yakaderera, yakanakisisa, yepamusoro yematokari anokoshesa kana kuenzanisa mari yakafanana neyoyo yakabva kuS & P 500.
Mushure mokunge izvi zvaitika, usanetseka kunyange kukwevera mumakambani anotsanangurwa mumakambani paIndaneti apo iwe ugere pamberi pechiso chako chekuvhara, chinotyisa. Chinangwa chako, mumamiriro ezvinhu aya, ndechokuti uwane hutano muAmerica, Inc. iwe unotarisira uye unotarisira kuti unokosha zvakanyanya mumakumi emakore anotevera. Gyrations, kunyange pamakore maviri kusvika matatu, inenge isina zvazvinobatsira munyaya iyi. Sei, zvino, kuwedzera simba rekunzwa kwekuchinja kwemaari emari? Pane imwe nguva, mwedzi mitanhatu kana gore, unosangana nemudzidzisi wekutsvaga mari yakakosha iyo yakanyatsoremekedzwa, ine nheyo yakanaka yepamusoro yakavakirwa pazvakachengetedzwa zvepodfolio zvigadziro zvakagadzirirwa kusangana nezvido zvako pachako nehuwandu hwehuwandu hwehuwandu, uye uongorore zvaunazvo. Kana makambani achiri kuoneka akajeka, akakosha, uye maonero ako ekuda mari haasati achinja, iwe ungasafanira kuita chero chinhu. Kana nhoroondo yezvakaitika pamusoro pemakore zana apfuura inoramba iri yechokwadi, iwe uchaguma neupfumi hwakawanda kupfuura iwe waizove nekutengeserana iwe pachako kana squirreling kunze kwezvinhu mumari kana zvinhu zvakadai segoridhe.