I-Billionaire Utyalo-mali uWarren Buffett Ocebisi ngezoTyalo-mali ezingapheliyo
Kule nqaku, siza kujonga ezinye iingcebiso zokutyalomali ezinikezelwe kwiBeitett enobumba abasandul 'ukuza kubanini-nxaxheba kunye nendlela abatyala-mali bamazwe ngamazwe abangasebenzisa ngayo icebiso lokuphucula ukusebenza kwabo.
1. Hlalani u-Overweight American
I-Dow Jones Ishicilelo seZoshishino senyuka ukususela kuma-66 ukuya ku-11 497 kuwo wonke unyaka wama-20, emele i-17,320 yepesenti yokufumana imali eyongezelelekileyo eyongezwa ngokunyuka ngokunyuka kwamaxabiso . UWarren Buffett ukholelwa ukuba amashishini aseMerika - kwaye isitoksi sabo - 'sinokuthi' sinokubaluleka ngakumbi kwiminyaka ezayo ngenxa yezinto ezintsha, ukuveliswa kwemveliso, umoya wezoshishino kunye neninzi yemali eninzi nangona kukho iziganeko ezivela kwi-media pundits.
Ngethuba lokuhla kwezomnotho okwesabisayo, uBuffett unxusa abatyali-mali ukuba bakhumbule ukuba ukwesaba okuxhaphakileyo kubandakanya ukuthengwa kwempahla kunye noloyiko lokwenu kufuneka libe lutshaba. Ushicilela iimvakalelo zakhe ngokuphawula ukuba 'abatyali-mali abaphephe iindleko eziphezulu kunye ezingenasidingo kwaye bahlala ixesha elide kunye nokuqokelela kwamashishini amakhulu aseMelika' aya kusebenza kakuhle 'xa kufike ekuveliseni ukubuyiswa kwezolimo.
2. Ukunyamekela iMali
UWarren Buffett wachaza kwileta yabanini-nxaxheba ka-2005 abaqeqeshi bokuphatha utyalo-mali ngokubanzi-bekuya kuba ngaphantsi kweempatho ezifunyenwe ngabadlali bezithuba ezihlala phantsi kwixesha leminyaka. Enyanisweni, wagxotha i-$ 500,000 ukuba akukho mali yokutyalomali angakhetha ukhetho lwezinto ezi-5 zeemali eziza kuhamba ngexesha elide elifanayo kunye nokusebenza kwe- S & P 500 yengxowa-mali yengxowa-mali yokuhlawulisa iifikethi kuphela.
UBuffett wancoma u-Vanguard umsunguli uJack Bogle njengengxowa-mali yomntu ngamnye kunye novulindlela ekuphuhliseni iimali eziphantsi kweendleko. Abatyalomali bamazwe ngamazwe banokufuna ukujonga inkcazo yeVanguard yeengxowa-mali ezithengiswayo ngamazwe ngamazwe (ETFs) okanye iimali eziphathekayo njengenye enye imali ephakamileyo yemali. Ukongezelela, kulungele ukuhlolisisa iiklasi ze-asethi zamazwe ngamazwe ezinika ukunyuka okuncinci kuneemali ze-niche.
3. Yilungele ukuthenga izinto zokuhlala
UWarren Buffett uthi zonke iimhumi okanye amafu amnyama zizalisa izulu zezoqoqosho kwaye zifutshane 'imvula yegolide'. Ngethuba la maxesha, ukholelwa ukuba kuyimfuneko ukukhawuleza ngaphandle kweempahla zokuhlamba, kungekhona amathisipuni 'ukuba athathe imali kwixabiso. Ezi ziganeko zibandakanye iingxaki zemali zika-2008, ibhola le-dot-com, kunye nezinye ezibangele ukwethusa ukuthengiswa kuyo yonke imakethi yemasheya namathuba okufumana iinkampani kwisaphulelo esikhulu.
Kukho iingxaki ezininzi zezemali ezijikelezayo kwihlabathi, ezifana neengxaki zeNtlangano yaseYurophu ezikhulayo ezikhutshwe ngokusuka kwe- United Kingdom kwindawo ekhoyo yoqoqosho. Abatyalomali bamazwe ngamazwe kufuneka bahlawule ngokuthe ngqalelo kule mibayo ukuze bachonge amathuba omsebenzi apho abatyali-mali bebezithengisa ngokuthe ngcembe isitokhwe ngaphandle kokubheka izinto ezisemgangathweni zamashishini.
4. Funa Amashishini aphezulu aphezulu
UWarren Buffett uye wabonisa ngokuphindaphindiweyo ukuba amabhangi akwaBerkshire Hathaway ayaphumelela kuphela ngenxa yabaphathi babo abaphezulu abaqhuba imisebenzi yokuziphatha kunye neendlela ezinzima zokuphindaphinda. Ngokomzekelo, i-GEICO kaTony Nicely yajoyina inkampani eneminyaka eyi-18 ubudala kwaye yagqitywa iminyaka engama-55 yenkonzo ngo-2016 ngokuphuhlisa inzuzo enkulu enokuthi iqhubeke iyanandipha ngaphezu kweziqhwala zoshishino.
Abatyalomali bamazwe ngamazwe abakhetha ukutyalomali kwiimali ngabanye kufuneka bafune amaqela aphezulu alawulo, amaqumrhu amanyanzelayo, kunye nexabiso elifanelekileyo. Amaxesha amaninzi, oku kuthetha ukumbamba kwiingxelo zemali kuphela kodwa okubhaliweyo kwenkomfa kunye nezinye izinto ezibonelela ngeenkcukacha zamakhono kunye nezicwangciso zexesha elizayo.
Ukuthatha ezi nyathelo kunokukunceda ukuphepha iingxaki kunye nokuhlawulwa kwee-stocks.
Ngaphantsi
Iileta zabanini-mali zonyaka zakwaWarren Buffett zifunwa ukuba zifundelwe nayiphi na imali-mali enzulu ngokubaluleka kwezoqoqosho kunye neengcebiso ezingapheliyo. Ngoxa uBuffett engumdlali osisigxina we-United States, abatyala-mali basemhlabeni bangakwazi ukuqokelela ubuninzi beengcebiso kwiingcebiso zakhe zokungcebeleka. Abatyalomali abaphulaphule le ngcebiso banokunyusa ukubuyiswa kweengcipheko zabo ngokuhamba kwexesha ngokugwema iimpazamo ezixabisekileyo kunye nokusebenzisa amathuba enzuzo.