Kutheni kubakho abatsha abatshali-mali abafuna ukucinga ukuba babe neSahlulo seSahlulo
Kukho izihlwele ezininzi zezizathu zokuthi kutheni le nto eyenzekayo kodwa iyinamandla enamandla okwenza abatyali-mali abaninzi baye benza ngokwabo ngokwexesha lokuphila lokutyalomali ngokugxila kwii-stock-stocks, ngokukodwa kokucwangciswa kwezicwangciso ezimbini, okujoliswe ekufumaneni iipotifoliyo ezahlukahlukeneyo zeenkampani eziye zaphakamisa izabelo zazo kwiirhafu kakhulu ngaphezu komyinge ophezulu kunye nomrhumo ophezulu wezabelo , ezijolise kwiimpahla ezibonelela ngokugqithiseleyo ngaphezu kwemilinganiselo yexabiso lokuhlawulela njengoko kulinganiswe kwinqanaba lentlawulo ngokulingana nexabiso lemarike.
Ndenze ukuba sele ndisebenza ngokukhawuleza ekumiseni inkampani entsha yokuphatha i-asethi intsapho yam isungula lo nyaka kwaye, nangona i-3:46 ekuseni, andikulungele ukulala. Ndacinga ukuba kuya kuba luncedo ukuhlala phantsi okwethutyana kwaye ukugqithisa izizathu ezinhlanu zokuhlawula i-dividend stocks zixhaphaza kakhulu kubalimi-zimali abaza kubaluleka ukuqokelela ubutyebi besikhathi eside.
Inethemba lam kukuba ngokukunika isakhelo esisisiseko, unokuqonda ezinye zeemidlalo ezidlala; indlela umntu, ukubalwa kwemali, ukuphathwa kweshishini kunye nemakethe yemasheya yonke idibene ndawonye ngendlela engavumela umtyalo-mali onobuqili ukuba ajabulele imilambo yengeniso engenayo kwi-holdings yayo.
Iziphumo zoMngcipheko weMali yokuPhuma kwiNgcaciso engezantsi
Nangona mhlawumbi kungekudala kwinqaku ukukubetha nale nto, ndifuna ukuqala ngokuthetha ngawo okokuqala kuba nguyona ndiyibaluleke kakhulu. Ngokuqhelekileyo, abatyali-mali abanomdla kakhulu ekufundeni malunga neendlela eziphambili zokuphendula okanye ukudibela kwisitatimenti se ngeniso okanye ibhalansi .
Nangona kunjalo, yintliziyo nomphefumlo kwinkqubo yokutyalomali.
Emva koko, ishishini ekugqibeleni lixabisa ixabiso langoku lexabiso lemali ehlaziyiweyo yokuphuma kwemali kwaye liza kuvelisa abanikazi balo. Enyanisweni, xa uxabisa inkampani okanye isitokisi, abaninzi abatyali-mali batyhafisa ukusebenzisa ifom ye-cash flow flow ezamahala kwi- income net income esebenzayo .
Kwimeko yam, i-metric yam khethwayo yinto eyaziwa ngokuba ngumvuzo womnini.
Inkampani ehlawula igalelo kufuneka ifike ngokwenene ngemali abaya kubafumana ngayo imali-mali; imali eyithunyelwe kubo kwifomu ye-check check, ngokukhawuleza ifakwe kwi-akhawunti yabo yokujonga okanye yokulondoloza okanye ithunyelwe kwi-broker yabo yokufaka idilesi yabo ye- brokerage .
Njengoko ilizwi lisithi, "awukwazi ukukhohlisa imali". Ingaba isahlulo sikhombisa okanye ayifuni. Oku kunesiphumo sokubangela iinkampani ezinika imali izahlulelo ukuba zibe nezantsi ezibizwa ngokuba yi-accruals phakathi kokungena kwemali kunye nenzuzo engenayo.
NgesiNgesi esicacileyo, oko kuthetha ukuba kukho utshintsho oluncinci kwiirekhodi zeengxelo ze-corporation ngoko "umgangatho wemvuzo" uphakamileyo ukuba iingeniso ezixeliweyo zixhomekeke ekuhambeni kwemali ehamba ngokukhululeka. Yinyaniso eqiniswe kakuhle ukuba, ngaphezu kwexesha elide, iinkampani ezinobuncwane obuncinane zibetha ngokukhawuleza iinkampani ezineemveliso eziphezulu xa zilinganiswa ngokubuya okupheleleyo .
Ukuzibophezela kweeNgxowa-mali ekunciphiseni imali kuyanciphisa iifowuni ezifumanekayo kwiSabelo soLawulo
Abaphathi kunye nabaphathi ngabantu kuphela. Xa imali iqala ukunyuka kwi-surplus, amadoda namabhinqa amaninzi afumana ukujamelana nokunyanzelwa kwengcinezelo yokuyichithela, nangona ukuchitha imali kuya kuba yimpembelelo okanye kukhokelela kwiziphumo ezingaphantsi.
Kwabo baseMelika eMelika, xa ukuchitha imali kuxhomekeke ekuhlanganiseni nasekuthengeni, kunokubangela ukuba kubekho indawo enkulu kunye nayo yonke into ehamba nayo, ngokuqhelekileyo ukukhethwa kwezitoko, isitokethi esinqandekileyo, umvuzo ophezulu, iibhonasi, inzuzo yempesheni, kwaye, mhlawumbi, kwaneparachute yegolide.
Kuphela kunye kunye ngokubanzi, iinkampani ezihlawula iindleko zinelayini lokuqala lokungena kwi-inoculation ekuthi abantu abaqhuba i shishini abanakho imali eninzi nje ngokuba bengenalo ukuba ngaba kungekho sabelo endaweni.
Oku kuthetha ukuba abaphathi kufuneka bakhethe ngokukhethekileyo xa bechonga abadibeneyo kunye nabathengi bokufumana izinto ngaphandle kokuba bekungenokwenzeka ukuba babekho kwilizwe elinemali elula. Iprojekthi nganye kufuneka ifaniswe kwaye ihluke kwabanye kunye neeprojekthi ezikhethiweyo kuphela kunye neeprojekthi "ezilungileyo" ezilahliwe.
"Khupha iNkxaso" Ngethuba lokuShatyalaliswa kweThengi
Cinga ukuba ukhangele kwisitokethi esenza u-$ 100 ngesabelo ngasinye. Ngoku, cinga ukuba isitokethi sihlawula isahlulo se-3%. I nkampani ngokwayo izinzile ngokungaqhelekanga. Iintlawulo zifihla isahlulelo ngokwaneleyo kwaye ezo mphoso zivela kwimithombo engaphantsi kwemihlaba ukuze kubekho umncinci omncinci wokunqunyulwa kwesahlulo. Ngoku, cinga ukuba imarike yemasheya iqala ukuphazamiseka. Le nkampani iwela kwi-90 yeesabelo ngasinye, i-$ 80 ngesabelo ngasinye, i-$ 70 ngesabelo ngasinye. Iyaqhubeka, ihlawule nge-60 engama sabelo ngasinye, i-$ 50 ngesabelo ngasinye.
Ngexesha elithile, ngaphandle kokuba igalelo likhuselekileyo kwaye abatyali-mali baqiniseke ukuba kuya kugcinwa, isivuno sokwabiwa kwemali kwisitokhi ngokwawo siya kuba sikhangele kangangokuba siza kubathengi ukusuka ngaphandle, abantu abangenako ukuma ukuze babone ukuvelisa khona phambi kwabo ngaphandle kokwenza okuthile malunga nalo. Cinga ukuba i-divider eyodwa ye-3 yesahlulo ngasinye iza kuba yi-6% yexabiso lentengo xa isitokisi sithengisa kwi-50 engama sabelo ngasinye. Oku kuchaza ukuba kutheni ama-stockend stocks afana nokuwa ngaphantsi kweemarike zeebhere .
I-Return Accelerator Phenomenon
Kodwa akukho konke. Oko kuvelisa inkxaso kuxhomekeke kwenye into eyenziwa yiNkululwazi uhlonishwa nguWharton uDkt Jeremy Siegel, ebiza ngokuba yi "Return Accelerator" okanye i-bear accelerator. Ngokwenene, abatyali-mali abavuselela izabelo zabo baqokelela izabelo ezininzi ngexesha leemakethe zamasitoreji eziyekezelayo njengoko isahlulo sokuvelisa isivuno sibavumela ukuba baphumelele ukulingana ngokubanzi kunye nesahlulo ngasinye sokuhlawula baxoshe kwi-akhawunti yabo okanye isahlulelo sokubuyisela isabelo . Njengoko sixoxwa kwinqaku elincinci malunga nokutyalomali kwi-oil majors, enye yezona zizathu iinkampani zeoli, njengeklasini, zenza ngcono kakhulu kunomlinganiselo ophakathi kwe-S & P 500 yesitampu sorhwebo kwimali emva kokuqalisa ngowe-1957.
Enyanisweni, uDkt. Siegel wabonisa ukuba ukugqithiseleka kokungabi nantoni, kungcono ukuba umtyalo-mali ohlala ixesha elide wenza! Isizathu sinxulumene neemathematika. Ixabiso eliphantsi kwisiseko ngasinye sokuthengwa, ngokukhawuleza isiseko sexabiso elilinganiselweyo sendawo esipheleleyo sisigxina phantsi kwaye ikwabelwana ngokubanzi nomtyalomali uqokelela apho, ngokwabo, bahlawula igalelo. Oku kuthetha ukuba kuthatha ukunyuka okuncinci kakhulu-ngokuqinisekileyo kuncinci kunene kwinqanaba elidlulileyo-ukufumana indawo kwindawo enenzuzo.
Izabelo ezihlukileyo zibonelela ngeeNdawo eziNinzi zeeNgqondo kwiiNdidi ezithile zabantu
Njengoko ubaba wexabiso lokutshala imali, uBenjamin Graham, wabhala wathi, "Imali yangempela ekutyala imali iya kufuneka yenziwe - njengoko ininzi eyenziwe ngaphambili - kungekhona ekuthengeni nasekuthengiseni, kodwa ngaphandle kokubamba kunye nokugcina iziqinisekiso, befumana inzala kunye negalelo, kwaye bazuza ngokunyuka kwexesha elide kwixabiso. "
Xa unayo inkampani ehambisa ezinye zeenzuzo zayo ngendlela yesahlulelo semali, kuba lula kakhulu ukugxila kwizinto ezinjengeengxaki zokujonga i-earnings "; ukwenza udibaniso phakathi kwempumelelo kweshishini kwaye ubeka izandla zakho kwezinye zeemali eziqhutywe ngezimali zenkampani.
Iyakwenza ube nesigulane ngakumbi, ugxininise nokuba ingaba isahlulo sakho sokuhlawulela sihlakulele kunye nexesha, ngokungaqhelekanga ukunyaniseka kwexabiso lexabiso lemali. Oku, kunokukukhokelela ekuthengeni nasekubambeni utyalo-mali , ukunciphisa iindleko zokuxhatshazwa , ukwandisa iimeko zakho zokusebenzisa izinto ezinjengeemfanelo zerhafu ezichaseneyo , kwaye ekugqibeleni, ukunyuswa kwetyala .
Akunakwenzeka ngathi inzuzo enkulu kodwa, kwihlabathi lenene, kunokuthetha ukumahluko phakathi kokungaphumeleli kunye nempumelelo. Enye yezinto ezifihlakeleyo zemarike zentengiso yebhanki zifana noko zingabonakali kakhulu kwi-hyperactivity.
Kungakhathaliseki ukuba uthathe umhlalaphansi u- Anne Scheiber uhlawula i-$ 22 yezigidi ukusuka kwindlu yakhe yaseNew York okanye umgcini-mali omncinci werhafu njengoRonald Reed uqokelela i-$ 8 yezigidi ngamanqanaba ngokusebenzisa izatifikethi zamaphepha kunye nee-DRIP, bathambekele ekufumaneni iinkampani ezikhethekileyo, ezahlukahlukeneyo ukwenzela ukuphepha umngcipheko wokuhlenga, kwaye ubambelele ngokungathi ubomi babo buxhomekeke kuyo.