Ungabi yintshabalala eyona nto inqabileyo
Utyalo-mali lwe-Investment 1: Ukusasaza i-Investment Your Too
Kwiminyaka emininzi edlulileyo, iWall Street iye yashumayela ubuhle bezinto ezahlukeneyo , ukuyifaka kwiingcinga zabo bonke abatyala-mali kwiindlebe.
Wonke umntu ovela kwi-CEO ukuya kwinkwenkwe yokuzisa uyazi ukuba akufanele ugcine onke amaqanda akho ngebhasikidi enye, kodwa kuninzi kunoko. Enyanisweni, abaninzi abantu benza umonakalo omkhulu kunokuba bahle kwiinzame zabo zokungafani.
Njengazo zonke izinto ebomini, ukungafaniyo kunokuthathwa kakhulu. Ukuba ukwahlukanisa i-$ 100 kwiikhampani ezilikhulu ezihlukeneyo, nganye yezo nkampani zinokuthi zibe nefuthe elincinci kwipotfoliyo yakho. Ekugqibeleni, iintlawulo zemali yomrhwebi kunye nezinye iindleko zokuthengisa zingadlulela kwinzuzo evela kutyalo-mali. Abatyalomali abaxhomekeke kule "hombo-in------------------------------------dollar-in-nganye" ifilosofi iya kulungiswa ngakumbi ngokutyalomali kwinkcazo yengxowa-mali , ebonakalayo yenziwe ngabantu abaninzi nkampani. Ukongeza, iimbuyekezo zakho kufuneka zifanise ezo zorhwebo jikelele kwi-lockstep epheleleyo.
Utyalo-mali lwe-Investment 2: Awuyi-Accounting kwi-Horizon Horizon
Uhlobo lwe-asethi otyalo-mali kufuneka lukhethwe ngokusekelwe kwisithuba sakho.
Kungakhathaliseki ukuba uneminyaka engakanani, ukuba unemali enkulu enokuyidinga ngexesha elifutshane (omnye okanye emibini iminyaka, umzekelo), akufanele utyalole imali kwimarike yemasheya okanye kwiimali zengxowa-mali ezisemgangathweni. Nangona ezi ntlobo zotyalo-mali zinika ithuba elihle lokwakha isakhiwo esinexesha elide, zihlala zifumana i-short-term gyrations ezinokushenxisa iibhenti zakho ukuba unyanzelekile ukuba uhlawule .
Ngokufanayo, ukuba ukugqithisa kwakho kuneminyaka engaphezu kweyishumi, akunakuqonda ukuba utyalomise uninzi lwemali yakho kwiibhonkce okanye utyalo-mali olungenakunyulwa ngaphandle kokuba ukholelwa ukuba imarike yemasheya ixhomekeke kakhulu .
Utyalo-mali-mali: Ukuthengwa rhoqo
Uninzi lwabantu bangabalisa abatyalo-mali abathathu kwiluhlu lweForbes, kodwa akukho mntu oyedwa owenzela i-fortune ukuthengiswa rhoqo. Xa utyalomali, i-fortune yakho iboshwe kwi-fortune yenkampani. Uyingxenye-ngumnikazi we shishini; njengoko inkampani iphumelela, kunjalo nawe. Ngenxa yoko, utyalo-mali othabatha ixesha lokukhetha inkampani enkulu akamele enze nto ngaphandle kokuhlala emva, ukuhlakulela isicwangciso semali esabiza imali , ubhalise kwisahlulo sokubuyisela imali kunye nokuphila ubomi bakhe. Iingcaphuno zemihla ngemihla ayinomdla kuye ngenxa yokuba akanqweneli ukuthengisa. Ngexesha elide, isigqibo sakhe esiyingqiqo siya kuhlawula ngokukhawuleza njengoko inani lezabelo zakhe lixabisa.
Umthengisi, ngakolunye uhlangothi, ngulowo uthengayo inkampani kuba ulindele ukuba isitokethi singene kwixabiso, apho liza kulila ngokukhawuleza kwaye liqhubele phambili ekujoliswe kuyo. Ngenxa yokuba ayibophelelwanga kwizoqoqosho zenkampani, kodwa kunokuba kubekho ithuba kunye nemvakalelo yabantu, ukuhweba yindlela yokugembula ezuze ngokuba ngumenzi wemali ngenxa yeembali ezimbalwa zempumelelo (abazange bakuxelele nge-millioneire elahlekelwe konke ngokubheja kwakhe okulandelayo ...
abahwebi, njengabagijimi, banakho imemori encinci kakhulu xa kufikelelwe ekulahlekeni kwabo).
Utyalo-mali lwe-Investing 4: Ukwenza izigqibo ezinoyiko
Iimpazamo ezibi kakhulu zihlala zixhomekeke kwimoyiko. Abatyala-mali abaninzi benza uphando lwabo, khetha inkampani enkulu , kwaye xa i-marhwebo ibetha i-bump endleleni, yilahla isitokisi sayo ngenxa yokwesaba ukulahlekelwa yimali. Le ndlela iyisidenge. Inkampani yinkampani efanayo njengoko yayingaphambi kweemarike ngokupheleleyo, kodwa ngoku ithengisa ixabiso elincinci. Ukuqonda ngokuqhelekileyo kuya kuqinisekisa ukuba uthenge ngaphezulu kwezi nqanaba ezantsi (ngokwenene, iinkampani ezinjengeWal-Mart ziye zaba ziqhwaba ngenxa yokuba abantu bathanda inzuzo. Kubonakala ukuba lo mkhuba ufikelela kuyo yonke into kodwa iphothifoliyo yabo). Isihluthulelo sokuba ngumtyalo-mpu melelo kukuba, njengokuba umntu oyisilumko esithi, "...
ukuthenga xa igazi lihamba ezitalatweni . "
Ifomula elula yokuthenga "ezantsi / ezithengisa phezulu" iye yahlala ngonaphakade, kwaye abaninzi abantu banokuyifumana. Ngokwenza oko, kuphela abambalwa abatyala-mali. Uninzi lubona isihlwele esiya emnyango wokuphuma kunye nomlilo osindileyo, kwaye endaweni yokuhlala ujikeleze ukuthenga ubunini kwiinkampani ngamanani ahlekisayo, ukwethuka kwaye uphume kunye nabo. Imali yinyani eyenziwa xa wena, njengomtyalo-mali, uzimisele ukuhlala phantsi kwigumbi elingenanto elowo wonke umntu oseleyo, kwaye ulinde ade aqonde ixabiso abaye lashiya. Xa bebuya, makube ngeveki okanye emva kweminyaka emininzi emininzi, uya kubamba onke amakhadi. Umonde wakho unokuhlaziywa ngenzuzo kwaye unokucingwa "ubuqili" (ngokungathandabuzeki ngabantu abafanayo bakubiza ngokuthi idiot yokubamba kwi-stock yenkampani kwindawo yokuqala).