Ngaphandle kwexabiso lokuTyala, uWarren Buffett Ungumcebisi onamandla
Phakathi nohambo, uqeqesho lwakhe lwabiwo-mali luye lwazala amaninzi amabhiliyoni ngaphandle kwedwa, kunye nenani elingaziwa (kodwa lininzi) elininzi lamamilionariya, kuquka neentsapho ezidibanisa amakhulu ezigidi zeedola kuphela ukubonisa ubungakanani benkxaso yabo kwiimfuno zokunceda. ukufa.
Ziziphi ezinye zezifundo thina, njengabalimi-mali, esinokufunda xa sijonga emva kobugcisa kunye neendlela zakhe? Ndifuna ukuthatha ixesha ukuba ndibonise ezimbalwa zabo ndicinga ukuba zibaluleke kakhulu.
1. Fumana isakhiwo sokunene
Cishe akukho mntu ubonakala exoxa ngento yokuba imfihlelo yangempela ku- Richren ubutyebi bukaWarren Buffett uyakwazi ukufumana isakhiwo sakhe sokubamba ngokubambisana ngendlela ephazamisayo. Izibambiswano ezisixhenxe zokuqala zathi zagijima zamnika i-override kwiimali ezenza abaphathi bezoqoqosho banamhlanje babonakalise ukuthelekiswa, bethatha phakathi kwama-25% kunye ne-50% yenzuzo ngokuxhomekeke kwisivumelwano esithile esicwangcisiweyo .
Ukuba wayevelise iziphumo ezifanayo zengxowa-mali njengelungu elihlawulelwe lisebe le-bank trust , mhlawumbi akunakuze ulive igama lakhe.
Kuyafana noBerkshire Hathaway. Ngokusebenzisa i-inshurensi ifakisha njengoluhlobo lwe-akhawunti ye-marginal ephumelelayo ngaphandle kwezinto ezingenakucala kwetyala le-marginal , uBuffett wakwazi ukufaka i-11% ukuya ku-15% kwiziphumo ezihlanganisayo kwiipotifoliyo zokulingana, kunye nokufumana imali eyayibuyiswa kwiinkxaso-mali, I-20% + i-annual average gain in value value for the half-century.
Ukuba wayenobungozi obufanayo kwi- akhawunti ye-brokerage engekho- leveraged , iziphumo zakhe zaziza kubonakala ziqhelekileyo. Wazinikela ngenzuzo. Njengomcwangcisi, unobungozi obunzima kwaye kufuneka anikezelwe ngetyala elininzi ngenxa yokukwazi kwakhe ukuhlanganisa iinkqubo ezingamzuzi ngokungafaniyo, intsapho yakhe kunye namaqabane akhe. Uyabona impembelelo yokuqala kwakhe, uHenry Singleton e-Teledyne, wayenokuziphatha kwakhe.
2. Fumana Eyona Nene, Eyona Ntle Efanelekileyo Kwinto Enye kwaye uyixhaphaze kwi-Maximum Advantage yakho
Abantu baphazamiseka ebomini. Ukuba ufuna ukufumana impumelelo yangaphandle, kufuneka udibanise kwisakhono esithile kwaye ube yinto engavamile kuyo. Ukuba uBuffett wayesetyenzisile iminyaka emihlanu edlulileyo kwaye ezama ukuvula i-chain of restaurants okanye ukuzama ukuba ngumvelisi we-world classist, mhlawumbi akayi kuba ne-influcum yempembelelo, ubutyebi kunye nedumela ayenzayo namhlanje. Nangona abahlakaniphileyo abavelele kwiindawo ezininzi, njengoBenjamin Franklin, abazange benze njalo ngokufanayo, kodwa kunoko, bagxininise kwiindawo ezahlukeneyo kumaxesha ahlukeneyo ebomini babo.
Mbonise into ongayenza ngcono ngaphezu komntu wonke. USam Walton noRay Kroc babengabaqhubi abangcono kunye nabaqhubi. USteve Jobs kunye noWalt Disney babengabonakaliso abangcono kunye nababonisi.
Ingaba injongo yakho ebomini kukuba yinkwenkwezi ye-opera okanye ukwakha ishishini lama-Fortune ukusuka kumhlaba, uphucule "ukugxilwa kwe-laser-like", njengoBuffett ngokwakhe. Yazi into oyifunayo, xa ufuna, nendlela oya kuyenza ngayo. Phuma-yenza wonke umntu.
3. Ubume beFom yeFomali ekufuneka ifumaneke kwaye ikhuselwe
Ukuba uyaziwa ngenxa ye-intembelelo kunye nokunyaniseka kwakho, uya kuzifumana ekupheleni kokufumanisa ubuninzi obuninzi kunye namathuba amaninzi angenakuzibonakalisa. UBuffett wasebenzisa eli lungelo lonke. Nangona ngexesha lokuthengwa kweempahla zama-1980, akayi kuthatha inxaxheba engathandabuzekiyo ngenxa yokuba wayefuna ukuziphosa ekukhanyeni komkhonto omhlophe okanye obomvu; isityebi, umfana omhle kunye nencwadi yokukhangela ebonisa kwaye ekuhlangula kwiipirates ezifuna ukuhlasela inqanawa yakho.
Wayenombono woluhlobo owaziwa ngalo kwaye wayilungisa yonke inyathelo endleleni. Kwaba ngumqondiso; umfanekiso.
Xa ukhangele ebomini bakhe, kwaye uyifunde ngokujulile, ubona ukuba i-façade ye-avuncular igquba indoda enobuqili, engenangenangqiqo ene-IQ ekhutshwe kwiitshati kunye nomkhwa wokuba i-avarice (ekugqibeleni, inceda uluntu kuba ibeka 99% kwakhona ukuphucula impucuko). Uya kuvumela amabhizinisi aphumelele. Uya kulahla abahlobo bakhe xa kubeka ingozi kwigama lakhe eliyinkunzi. Uya kufaka iimfuno zakhe, kunye neBerkshire Hathaway, ngaphezu kwazo zonke ezinye izinto. Akayisidenge. Uyazi kakuhle indlela yokufumana, ukwandisa, kwaye athathe inzuzo enkulu ngamandla ngamali, ezopolitiko kunye nezentlalo.
4. Thatha inzuzo yeKhowudi yeRhafu kwaye uqonde amandla okuNcinci okuNcinci
Izinto ezincinci uBuffett azenzile kulo lonke umsebenzi wakhe ukuze afumane ingozi engaphezulu kwe-2% okanye i-3% apha okanye apho, ngokukodwa ngokubhekiselele ekusebenzeni kakuhle kwerhafu, iyamangalisa ngokwenene. Ngandlela-thile, ulungelelwaniso lwerhafu lwakhiwe eBerkshire Hathaway, elimvumela ukuba athathe inkunzi njengeoli injini kulo lonke ubukhosi ekusebenziseni kakhulu, luyinxalenye enkulu yemfihlelo yakhe kwimpumelelo. Kusuka kwizinto ezicacileyo, nje kuphela ukwenza ukufumana ubuncinane ubuncinane ngama-80% ebhaliso elincinci ukwenzela ukuba angathatha inzuzo ngaphandle kweerhafu kwiinkampani zokusebenza kwaye aphinde ahlawule, kwii-quirks ezifunyenwe emashumi eminyaka edlulileyo kwi-code ye-tax yeNebraska njengoko Ngokubhekiselele kumashishini e-inshorensi ngokwayo, ngokubetha ezininzi ezininzi kunye nokuphindaphinda kabini, unokongeza ngokwezinto eziphathekayo ekupheleni komsebenzi wobomi bakhe. (Kukho enye i-quirk - uBuffett ngokwakhe ungomnye wabanini-mali abahlula kakhulu kwihlabathi, kodwa wenqaba ukuyihlawula kubani abanamasheya ngenxa yezizathu ezichazwe kakuhle kwixesha elidlulileyo.)
Abatyalomali abancinci bangasebenzisa oku, ngokunjalo. Utyalo ngeRoth IRA, eyona nto ifanelekileyo kwindawo yokukhusela yentlawulo epheleleyo ekhoyo eUnited States . Musa ukuthatha i-debt non deductible yexabiso lokunciphisa ixabiso. Ukuxhamla kwiirhafu ezichasayo ngokugcina imali engaphantsi ( ubone i-capital income engenziwanga kwi-portfolio yaseBerkshire Hathaway!
5. Zizenzele kunye nabantu abalungileyo kwaye wenze iNkcubeko ezuzisa indlela oziphatha ngayo
Ukuphakama okunzima kwenziwa nge-subsidiary yaseBerkshire Hathaway. Lawo mashishini, amaninzi kuwo aya kuba kwi-Fortune 500 ukuba ahlawulelwe, aqhutywa yi-CEOs ebonisa ukusebenza rhoqo ngosuku. Zilawula iinkampani zehlabathi ngokwenene ezivelisa iibhiliyoni kunye neebhiliyoni zobuncwane obutyebi obuthunyelwa ku-Oma kabini ngonyaka. Nangona iimeko ezinzima zivela, ngokuqinisekileyo ziza kwenzeka kwinqanaba lobungakanani bayo, italente kaBuffett yokukhanga abaphathi abakhulu, eyenza bafune ukuphumelela, kwaye ukuhlala bethembekile kwishishini kubaluleke kakhulu ukuba baxoshe. Kwimashishini amaninzi, umgangatho wabantu abenza umsebenzi ngowona luleke kakhulu kwinzuzo . Fumana abantu abangcono, banandiphe iziphumo ezingcono.
Ngokufanayo, jongene nezikhuthazo ezimbi. Ufuna ukuphepha ukudala inkokhelo okanye iinkqubo zokubangela ukuba abasebenzi, iikontraka okanye amanye amaqela ahlanganyele ekuziphatheni okubi, okungekho mthethweni, engekho mthethweni, okanye ukuziphatha okungafanelekanga. Ufumana enye yento oya kuncedisa ngayo ukuze uxhasane ngokuhlakanipha.
6. Gxila kwiingcamango zakho ezilungileyo
Umlingani webhizinisi waseBuffett, uCharlie Munger, ngamanye amaxesha ubonisa ukuba ukuba uthathe iingcamango ezingcono ze-4-5 ezakhe wazifumana kwaye wazihlutha ngaphandle kwe-equation, irekhodi likaBuffett liya kuba malunga ne-Berkshire Hathaway. Kwakuyi-nkalipho yokugwetywa ukuba ilayishe kwizabelo zeCoca-Cola Inkampani; ukugxila kwipropati kunye ne-inshorensi yecala; ukuthatha isigxina kwi-Washington Post Inkampani okanye iGillette eyenza umehluko.
Xa into ewela i-radar yakho efanelekileyo kwindawo yakho emnandi - uyayiqonda, uyayazi ingozi, iimeko ezinokubakho kakhulu, kwaye kuyacaca ukuba unako ukufikelela kwaye uyibambe - ungavumeli ukuba idlule. Kanye emva kweminyaka elishumi okanye ngaphezulu, uya kuthiwa unikwe ithuba lokuguqula izicingo ngaphandle kokuzilimaza xa kuhamba kakubi. Xa kwenzeka, vumela ukuba lihle.
7. Yenza okulungileyo kwaye ubuyele kumbutho
Njengama tycoons amakhulu phambi kwakhe, uWarren Buffett unikezela malunga nayo yonke imizamo yokuvelisa umsebenzi wakhe kwimpumelelo enkulu. NgokweSiseko seGates, inzuzo yakhe iya kubonelela ngemali yokuxhasa ubomi, ukuphucula imfundo, nokuguqula ihlabathi ukuba ibe ngcono. Cinga ngaphaya kwakho. Zama ukufumana indlela yokusebenzisa iitalente zakho ekuphuculeni amava abo abakujikelezile, kuba ntsikelelo kubo ngendlela abangazange bacinge ngayo.