Iimfihlakalo ezisibhozo zokuphucula ukubuyiswa kweePortfolio

01 Musa ukudibanisa izinga lokukhula kunye neNqanaba lokuQinisa kwakho

I-inverse nayo yinyani; Ngaba ungathenga inkampani ekhulayo kwi-25% ngonyaka ngenzuzo ye-100x, akunakwenzeka ukuba uya kwenza njalo. Akunjalo nje kuphela umngcipheko omkhulu wokubangela ukutshatyalaliswa ekubhubhiseni ubuninzi bexabiso le-stock, kodwa kwaye uthembela kwithemba kunye nomthandazo wokuba izinto ziphumelele ngokwanelisayo. Utyalo-mali lokwenene malunga neebhanki kwizinto ezinokuthi zisebenze ngokuzithandayo, nokuba yonke into ayifuni ngokucwangcisa - okungafanekiyo.

02 Gcina i-Outlook njengento ephantsi njengoko inokwenzeka

I-Tweedy, i-Browne & Inkampani, enye yeyona ndlela endala kwaye ihlonishwa kakhulu kwiivenkile zokutyalo-mali kwihlabathi, ibonisa impembelelo echaphazelayo inokuthi isebenze kwipotifoliyo kwiphepha layo likaNovemba 22, 1999, eya kubanini-nxaxheba. Ishati abaye bavelisa i-$ 1 yezigidi zokutshala imali yokuqala ihlanganiswe ngama-20% ngonyaka (emva kokuba bonke - abaphathi bezemali abangenasiphelo kwi-yorhwebo yabo, bafuna ukwenza okungenani ama-70% ukuya kuma-80% angcono kunomyinge wexesha elide Inkcazo.) Baye baqikelela ukuba i-27% yentlawulo yezinga lentlawulo kuzo zonke iimali ezifunyenweyo kunye neminyaka engamashumi amabini ephethe.

Kwingeniso yonyaka yokubuyisela i-0%, ixabiso lepotfoliyo liye likhule liyi-$ 38,337,600; kwi-3% yemali, i-$ 34,211,200, kwi-10%, i-$ 27,808,500, kwi-30%, i-$ 20,250,200, kuma-85%, i-15,695,500 yama-dollar, kunye ne-100% yenzuzo, i-$ 15,264,800. Ngamanye amazwi, uya kuphelisa ngemali engama-150% ngaphezulu ngenxa yepotfoliyo ye-0% yokufakela imali kunokuba uza kutyalomali kwi-portfoliyo ye-100% yentengiso, eyanciphisa izinga lokukhula konyaka (CAGR) ukuya kuma-14.6%. Ngenxa yoko ukutsaliswa kwendlela yokuthenga-kunye-yokubamba imali-ngenxa yeendleko zokuxhatshazwa , unako ukuphuma phambili ngemali eninzi ephaketheni lakho ngokugcina utyalo-mali olunezinga elincinci.

Ubungcono obunokuboniswa kwindlela ekhokelela uCharlie Munger, uSihlalo weBerkshire Hathaway, iqabane loshishino lweWarren Buffett, kunye nomphathi ohloniphekileyo kwaye ohloniphekileyo wemali, ukuba ahlawule ibinzana elithi "uhlale kwi-** yakho yokutshala imali" ukuchaza imfihlelo yokukhula ngokwenene kwixesha elide. Ikuvumela ukuba wenze izinto ezibaluleke kakhulu kuwe njengokungena kwimidlalo encinane yengane yakho, imidlalo yezemidlalo, ukufunda, ukufumana ikhofi kunye nabahlobo, ikhefu kunye neqabane lakho, okanye nayiphi na enye into oyixabisa kakhulu.

03 Yazi uMandla weeNkcazo zokuBala kwakhona

Hlalani nisasaza iiMboleko zakho
Kutheni Ubunzima Bokuba Kukho Uncedo Olukhulu
IziCwangciso zokuBala kwakhona
Ukukhetha Amasheya aphezulu ahlulo
Xa Kukhangela Amasheya Ahlulayo, Iintlawulo Zokuhlukana Akuzona Zonke Izinto

04 Yenza iphothifoliyo yakho inokuthandwa kakhulu: Thatha ikhosi yeKholeji kwi-Accounting Basic

Uchithe iminyaka usebenza ngendlela ephakanyisiweyo. Uvuka ekuseni nganye, uthele i-caffeine kwisistimu yakho, jongana neendleko zokuhamba ngeeyure, ukuhamba kwezoshishino, ukungahambi nabantwana bakho, abaqeshini abathethi, abasebenzisayo, abathengayo abathengi, kunye neminye imiba emele ifike, ubuncinci ngezinye iinkqubo, kulo lonke ixesha. Nangona kunjalo, xa kuziwa ekunakekeleni ngokwenene imali osebenza ngayo ngokukhawuleza kunzima, abantu abaninzi baphosa nje itayili. Oku kubuhlungu, ngakumbi ekukhanyeni ukuba ngokufanelekileyo, ulawulo oluyisiseko, loo mali ingabangela inzuzo engaphezulu kunokuba umsebenzi wakho unakho.

Oku bekudlulileyo nje ngoku xa ndixubusha ngolu hlobo lokuba abatshali-mali abaninzi bangaqondi kakuhle ukuba ingaba njani kakuhle ngaphezu kwexesha elide ukuguqula isakhiwo semali yenkampani ukubuyisela ukulingana netyala ngokuboleka imali kwixesha elide, eliphantsi kweendleko, isistim esisiseko sokuthengwa kwesitokhwe, ukunciphisa inani elipheleleyo lezabelo ezikhoyo. Oku kwenzekayo njengoko sithetha kwelinye iindidi zam intandokazi, i-AutoZone. Ukufumana ulwazi olungakumbi ngalo, jonga Imida yokuTyala kwi-Equativity Ratio - Ukujonga ngaphaya kwamaNombolo

05 Hlalani Ngaphakathi Kobuchule

Xa ukhangela ama-stocks, iibhondi, iimali kunye kunye nezinye iimpahla, kufuneka ufumane imvakalelo efudumeleyo. Ukuba isakhiwo sendawo yokuhlala, unokukhumbula into oyihlawuleyo, kutheni uthenge yona, uhamba kwaye uhlolisise ipropathi okokuqala, kwaye usayina amaphepha. Ukuba unayo izabelo zikaMcDonald's, uJohsonson & Johnson, isikhwama seenkcukacha zeS & P 500, okanye naluphi na ukhuseleko olungenakubalwa, xa ukhangela iingxelo zakho, kufuneka uqonde ukuba kutheni unabo Iminyaka elishumi ezayo, iiprojethi zokwabiwa kwemali-mali (izabelo kunye nokwabelana ngokuthengwa ngokumalunga nokunciphisa amatyala kunye nokuthengwa kwamatyala, ngokuchasene nokukhula ngokusemthethweni), kunye nemimiselo yezomthetho nezomnotho ezinokuchaphazela isikhundla sakho.

Yingakho i-Warren Buffett eqinisekisa ukuba abatyali-mali bahlala ngaphakathi kwisigxina sobunzima kubaluleke kakhulu. Usenokungakwazi ukuxabisa inkampani yenkampani yeoli; shiya loo nto kumntu onolwazi kule ntsimi. Kunoko, gxila kwizinto owaziyo kunye nendlela yokwenza imali kuyo. UGraham, kwelinye leencwadi ezininzi zokutyalo-mali, wachaza imeko yomntu oqhelekileyo owazi kakuhle kakhulu kwi-American Water Works Company, wakwazi ukwenza inzuzo yakhe yokuthengisa nokuthengisa kuphela olokhuseleko ngaphezu kokuphila kwakhe. Ukutyalo-mali, ububanzi bolwazi alunanto; oko ufunayo ubunzulu bokwazi.

06 Buza umbuzo wePeter Lynch

UPeter Lynch wayethetha ukuba ekupheleni konyaka, umtyalo-mali kufuneka abhekise ngaphezu kokubamba kwakhe kwaye azibuze, "Ukwazi oko ndiyaziyo ngoku, kunye nexabiso apho ezi zintengiso zikhoyo, ngaba ndingathanda ukutshala imali entsha imali kwiinkampani phantsi kwezi meko ukuba andingenayo indawo? "Ukuba impendulo ayikho, kufuneka uhlolisise ixesha elide kwaye unzima izizathu zokubamba ubulungisa.

Kukho imeko ezimbalwa apho kulungile ukugcina isimo salo, nangona impendulo yakho "ayikho." Mhlawumbi iirhafu zakho ezikhutshweyo zikhule zikhulu kakhulu ngenxa yesiseko esincinci kakhulu sokuthengiswa nokutshintshwa kwintlawulo-mali. kulindeleke ukuba ufumane iipalenti ezintathu okanye ngaphezulu kwamashumi elishumi ezayo uya kuthi ahlawule imali ngenxa yesigxina-mali esilahlekile kwi-IRS. Mhlawumbi, nokuba, yinto elula yokwazi nokuthuthuzela. KwakunguFilipu Fisher, umbhali we-Stockbreaking Common Stocks kunye neNzuzo engaqhelekanga , owayehlala ekhuthaza abafundi bakhe ukuba baqaphele ngokurhweba esitokisini senkampani abaye bayayazi kwiminyaka emininzi baze baqonde kakuhle ukuba bangabani na eyaziwayo njengoko izisa iintlobo ezahlukeneyo zobungozi.

07 Indlela Obeka ngayo Ubutyebi Bakho Unokuba YiSigqibo seDola-Million

Iingxelo ezahlukeneyo zineempawu ezahlukeneyo zerhafu phantsi komthetho. Kwi-IRA yeNdabuko, umzekelo, unokubamba igalelo ozenzayo kwiirhafu zakho zerhafu, imali iya kukhula i-tax-free ude uyikhuphe, xa uza kuhlawulwa irhafu kwiintlawulo njengoko zisasazwa. Ngakolunye uhlangothi, i-Roth IRA, ayikuvumeli ukuba unike igalelo evela kwiirhafu zakho zerhafu, kodwa imali ekhula kwi-akhawunti ayiyi kuhlawulwa irhafu ngokomthetho okhoyo. Oku kuthetha ukuba unayo i-$ 10,000 kwi-akhawunti yakho kwaye ufumana iWal-Mart elandelayo, ukuyikhupha ibe ngaphezu kwama-$ 10,000,000 emashumi ambalwa eminyaka, uMalume Sam akayi kukwabelana naye; konke okwenu.

Khumbula ukuba kufuneka uhlale uxubusha nomcebisi wakho werhafu owamkelwe kakuhle kwaye ufumane isiluleko esinolwazi esekelwe kwimeko yakho. Uninzi lwama-akhawunti ahlawulwa ngerhafu luxhomekeke kwimimiselo enkulu yonyaka ukwenzela ukuba unyanzelekile ukuba unqume ukuba yeyiphi i-asethi yokubamba apho. Imithetho embalwa jikelele ilandelayo:

• Utyalo-mali oluchanekileyo lweentlawulo ezifana neengxelo ezixhomekeke kwiinkcukacha kufuneka ziqhutywe ngqo kunye nenkampani yenkxaso okanye nge-akhawunti ye-brokerage. E kubeni abanako ukuthenga nokuthengisa imali ngokuphindaphindiweyo, inzuzo iyakwakha ngendlela yoxabiso. Oku ngakumbi kule kamva.
• Iimpahla ezivelisiweyo zemali ezifana nee- REIT , i-stocks-rich stocks, kunye nezibophelelo zenkampani kufuneka zigcinwe kwii-akhawunti ezixhamliweyo zerhafu. Izabelo zeenkampani ezigcina zonke iingeniso zazo kwaye uceba ukubamba ixesha elide zingase ziqhube kakuhle kwii- akhawunti ze-brokerage . Ibhizinisi elinjengeBerkshire Hathaway, elingazange lihlawule igalelo ukususela phakathi no-1960, ngumviwa olungileyo kuba nje uthe uthenge izabelo zakho kwaye usabambelele, awuzange uhlawule irhafu kwiirhafu. Endaweni yoko, imali yakho idibanise ngokungathi i-IRA yeNdabuko kunye nerhafu efanelekileyo ekuthengiseni kuphela.

08 Khangela kuphela iiNgxelo zeMakethe kwiSiseko sekota

Ekugqibeleni, le ngcebiso enye enokukwenza kakuhle ukuba ukhethe ukwakhiwa kwexesha elide, i-potifoliyo yokugcina imali ephantsi kwendleko yexabiso leedola , izindleko eziphantsi kweendleko ezifana neprogram yokubuyisela i-dividend (eyaziwayo njenge-akhawunti ye-DRIP), kwaye ungalindeli ukuba uthathe umhlalaphantsi okanye ufune imali ngeminyaka elishumi okanye ngaphezulu, ikhondo elifanelekileyo lezenzo elisekelwe kwimeko yamava kunokuba kuhamba ngokuzimela. Okokuthi, misela utyalo-mali lwakho ukuhoxiswa ngokuthe ngqo kwi-akhawunti yakho yokukhangela okanye yokulondoloza, ukubuyisela iindleko , kwaye ugxininise ekuthengeni kuphela umngcipheko ophantsi kakhulu, umgangatho ophezulu, amasheya anqabileyo kakhulu okanye inkcazo zemali ezifana nesinye esekelwe kwi-S & P 500.

Emva kokuba oko kuyenziwe, ungakhathazeki mhlawumbi udibanise ixabiso lemarike ecatshulweyo kwi-intanethi xa uhleli phambi kwesikrini sakho, ukukhathazeka. Injongo yakho, kule meko, kukufumana ukulingana eMelika, Inc. onethemba kwaye ulindele ukuba lufaneleke ngakumbi kwiiminyaka ezayo. I-Gyrations, kwimiba emibini ukuya kwimithathu, ayinanto kulo mzekelo. Kutheni ke, kutheni amandla anemimoya eguqukayo yamanani asethi? Kunoko, emva kweenyanga ezintandathu okanye ngomnyaka, udibana nomcebisi-mali oqeqeshekileyo ohloniphekileyo, unerekhodi elungileyo elisekelwe kwizibonelelo eziphathekayo eziphathekayo ezilungiselelwe ukuhlangabezana neemfuno zakho kunye neprofayili yengozi, kwaye uhlaziye iimpahla zakho. Ukuba iinkampani ziyaqhubeka zibonakala zivakalayo, zixabiseke ngokufanelekileyo, kwaye ukujonga kwakho iimfuno zekheshi akutshintshi, awunakufuna ukwenza nantoni na. Ukuba iimbali zembali kwixesha elidlulileyo leminyaka lihlala linyani, uya kugcina unobuncwane obuninzi kunokuba ungayifumana ngokurhweba okanye ukwehliswa kwezinto eziphathekayo kwimali okanye izinto ezifana negolide.