Musa ukujoyina i-Capital Benefits Cult - Ixabiso lentengo yedwa ayikho umfanekiso wonke
Ziyabhengezwa yiBhodi yabaLawuli kunye nepesenteji epheleleyo yenzuzo ehlawulwayo iyaziwa njengomyinge wokuhlawula umvuzo . Iinkampani ezindala, ezikhulileyo, kwaye abanamathuba amaninzi okwandiswayo zinokulinganiswa kokuhlawula okuphezulu kunabantwana abancinci, abancinane kunye nokukhula ngokukhawuleza.)
Umzekeliso unokukunceda ukugxininisa ingongoma yam. Khawucinge ukuba ungumlingane kwishishini lobugcisa kunye nezabelo zakho zaxabiswa ngama-500,000. Kwiminyaka elishumi, ubambelele kulo mfuyo kwaye ixabiso alize landa, kodwa ngeli xesha, ufumana i-$ 1,500,000 ngezabelo zemali. Kucacile, oku kutyalo-mali kwaye kufuneka uvuyiswe. Unyaka ngamnye, ufumana iikopi ezinkulu kwiimeyile ngenxa yobunini bakho. Nangona kunjalo, ukuba unokuphulaphula amaphephandaba, okanye ujonge ityati yesitokethi, uya kuthathela ingqalelo ukuba utyalo-mali lwakho luhlulekile.
Ngoba? Iindaba zezezimali azibandakanyi izahlulo ezipheleleyo ezifunyenweyo ekuqaliseni abanini-mali ababuyiselweyo abazuzile ngokufumana isitokisi. Enyanisweni, kulo mzekelo, isatifiketi sakho sothengi siza kubonisa umgca wecala, okukhokelela abatsha-mali abatsha ukuba bakholelwe ukuba ulahlekelwe yimali emva kokunyuka kwamaxabiso kwiminyaka elishumi owabamba ngayo izabelo zakho.
(Kwiblogi yam, ndachaza ezi zinto zintathu izinto zokubonelela ngeesatriki kufuneka zibandakanye ukunyusa ngokuchanekileyo ukuchaneka kwabo abatyali-mali bexesha elide babezimisele ukwenza njalo.)
Ndiyakholwa ukuba le ngongoma yecala lobuchule. Ngaba unokucinga ukuba uye kugqirha owayengazi ukufunda i-X-Ray? Inkathazo kukuba le ngxaki intsha. Kude i-market enkulu ye-bulls eyaqala ngawo-1980, kwathiwa injongo yenkampani kwakufuneka ihlawule iindleko, ezenza ukuba kugxininiswe ukubuyisela ngokupheleleyo kunokuba zizuze i-capital income kuphela. Ngabantu abanomlingo wokuphinda ubuncwane bokulala kunye nenkcubeko yokugembula, kwaba lula ukucinga ukuba uthenga isitokhwe kwaye ubukele kwinyanga kunokuthenga i-stock kunye nokuqokelela ngokukhawuleza imali kunye nexabiso eliphantsi.
Ukuba udinga ubungqina bokuba le ngqondo iqhubekile nokuba i-media media ibone oku: Iphutha eliqhelekileyo eliqhelekileyo elenziwe ngumlobi-ntatheli kukubonisa ukuba kuthathe iminyaka engaphezu kwemashumi amabini ukuba imarike yemasheya ifikelele kwizinga layo lephambili emva kokuxineka okukhulu. Nangona kunjalo, uphando oluthile lwezezimali lubonise ukuba umtyalo-mali osebenzise i- dollar ehlawulisiweyo wabiza ixabiso kwaye wabuya wahlaziya izabelo zakhe ngokwenene zaphuka ezincinane kwiminyaka emi-5-7, kwaye ngeli xesha ixesha lemarike libuyele kumgangatho walo wangaphambili, ingcamango epheleleyo.
Oku kungenxa yento ethi uDkt. Jeremy Siegel kwiYunivesithi yaseWharton ebizwa ngokuba yi-"marketer speed accelerator", endixubusha ngayo kwithuba malunga nokutyalomali kwi-oors.
Kutheni le nto igxininise ukubuyiswa kwexabiso elipheleleyo kwaye ayiyiyo inzuzo yemali
Uninzi lweenkampani ezinkulu kwihlabathi zihlawula imali eninzi, ukuba ingeyona ininzi, yenzeniso yonyaka eyenziwa ngokusebenza ngendlela yesahlulelo semali. Iifemu ezifana noJohnson & Johnson, i-Coca-Cola, iGeneral Electric, i-Apple, i-Exxon Mobil, i-Nestle, i-United Technologies, i-McDonald's kunye ne-Walt Disney Inkampani ihlala iphinda ibuyise imali efunyenwe kulo lonke unyaka kubanikezeli-zimali ngendlela yokuhlawula imali kunye nokwabelana ngentengo iinkqubo . Kutheni i-Boring ihlala iyinzuzo ngakumbi , ndaxubusha ngomsebenzi weDkt uJeremy Siegel okhankanywe ngasentla, owabonisa ukuba i-99% ye-real-price-adjustment-adjustment-investedors earnings isiphumo sokubuyisela kwakhona izabelo zabo, ngokukodwa kwiifemu eziphezulu ezifana ezi.
Oko kuthetha ukuba xa unesitampu se- blue chip , akudingeki ukuba amaxabiso okwabelana nawo anyuke kakhulu ngaphambi kokuba uqale ukukhula ucebile.
Impembelelo kumtyalo-mali othe wucacile: Ukuba unayo ingxowa-mali ebonisa imali ngokusekelwe kwi- S & P 500 okanye kwi- Dow Jones Industrial Average , imali eninzi iya kusebenza kwiinkampani ezinezabelo ezininzi zezahlulelo. Oko kuthetha ukuba ipesenti yezinto eziphathekayo zokubuya kwakho kwexesha elide ziya kuvela kwiintlawulo ezibuyisiwe , kungekhona inzuzo enkulu . Kungaba malunga nokuthakazelisa njengoko ubona upende womile, kodwa xa ufumana ucebile ekupheleni , akufanelekile.
Ukuthatha Isinyathelo esilandelayo ukugxininisa kwiRhafu yeNtlawulo
Emva kokuba uqonda ukubaluleka kokubuya okupheleleyo, kufuneka ufunde Ukubala iRhafu yeRhafu kunye neCAGR . Kuya kuchaza indlela ongayisebenzisa ngayo enye i-algebra elula ukujonga izinga lokubuyisela owaluthole ngotyalo-mali ngelixesha olingene ngalo, kubandakanywa izabelo ozifumeneyo. Ungaphinda ufune ukufunda ukuba Kutheni ukubuyiswa kweNtlawulo kubaluleke ngakumbi kunokuba utshintshe kwi-Market Capital.
Ekugqibeleni, cinga ukujonga i- Income Investing for Beginners-isiXhosa seNgxenye ezili-10 ekukhethweni kweTyalo-mali eziKhulu ezenza iCash .