I-Stock Market iyinto enobuncwane Ngabanini abashishini abathengayo abathengisa iiNkampani zabo
Akusoloko kusengqiqweni, kwaye intengo yesitokisi ayibonisi ukubaluleka kwangaphakathi kweshishini nangona kunengqiqo ixesha elininzi.
Sebenzisa le nto ngenzuzo. Ixesha lokutya okukhulu kunye ne-avarice iya kubamba iimarike zorhulumente kuba iimarike zikarhulumente zibandakanya abantu nazo zonke iingxabano zabo, iimvakalelo ezingenangqondo. Kwinqaku lwakutshanje lichaza inkcazo yeengcambu zeempawu , ndinike umzekelo wemeko eninzi ayizange iwele kulolu hlobo. Ngenxa yokulula, ndiya kuphinda ndiwunike umzekelo endiwunike khona:
I-starbucks yekhofi i-Starbucks yinkcazo yecala elimangalisayo. Ngaphambi kokuphazamiseka kwe-[2008-2009], ishishini lalinomlinganiselo we-balance-solid and sheet emva kweerhafu. Xa kuvela amaqhwithi ezoqoqosho, iindwendwe zatshatyalaliswa ngokukhawuleza izindlu zabo, iibhanki zotyalo-mali zaqalisa ukufakwa, kwaye i- Dow Jones Industrial Average yaqala ukuwa, le ntsebenzo ebalulekileyo kakhulu, ukukhupha ixabiso elikhulu lenzuzo kunye nokuhamba kwemali, yehla ukusuka kuma-20.00 ngaphezulu. yabelana ngo-2006 ukuya kwi-$ 3.50 ephantsi ngo-2008; umfanekiso omele imali engaphantsi kwama-8x kumanani awo angaphambi komnyaka kunye ne-12.5% emva kwentlawulo yembuyekezo. Le nkampani eyayinekamelo elikhulu lokunyuka elishiyekile, lalikhulile kwi-20% + ngaphandle kokunciphisa ukulingana kweminyaka eminyaka; kunye nehlabathi eliphela eliya kunqoba njengoko likhula kwiChina naseIndiya. Kwakuyithuba elilodwa-in-lifetime yokuba ngumnini kwintengiso yekhofi kwiplanethi. Abo bawasebenzisa ngokungazange baqokelele i-$ 1.66 + ngemali ekhethiweyo kwiminyaka ukususela, kodwa baye babukela isitokhi senyuka siye kwi $ 51 + isabelo ngasinye. Ngomlinganiselo ohlawulayo we $ 0.64 ngesabelo ngasinye emva kwebhodi yesigqibo somlawuli wokuthumela imali engabanini , oko kuthetha ukuba umntu, kwindawo ethile ngaphandle apho unokuqokelela i-18% + yentengo yesabelo semali kwiindleko zezabelo ezithengiweyo ngokupheleleyo ngaphantsi (khumbula - kufuneka kubekho umthengi kunye nomthengisi kuyo yonke into eyenziwa ngayo;
Amaxesha ambalwa kumntu ngamnye wobomi, uza kubona into enjengale yenzeka; iinkampani ezigqibeleleyo ezinobungqina obuqinileyo kunye nezikhundla zoshishino ezikhuphisanayo eziqhankqalaza ezinokuthi zenze inzuzo engcolileyo zinikezelwa ezitratweni njengoko wonke umntu eqhuba ngokuxhalabisa, ukuchitha impahla eyayihlawulele amanani aphakamileyo kakhulu kwiintsuku, okanye kwiminyaka embalwa.
Ngowe-1973-1974, umzekelo, ezinye zeenkampani ezintle kwihlabathi zithengiswa nge-3x okanye kwi-4x. Ngowe-1929 ukuya ku-1933, amanqaku eenkampani, kwinqanaba elinye okanye kwelinye, athengiswa ngaphantsi kwemali ekhoyo kwi-bhanki, ekunikezeni ixabiso elingenamsebenzi kwi-shishini, iifriji zayo, i-estate yayo kunye nepropati yayo yengqondo.
Iingxowa-mali zeengxowa-mali (oko ndiyakholelwa ukuba kufuneka ininzi labantu abayifunayo le nto ngoku ) bangayisebenzisa ngokunjalo le nyaniso eyinqobo, nayo. Nangona unamathela kwisicwangciso se-dollar esilungileyo , ukuthenga rhoqo kwiimarike eziphezulu kwaye akukho nto ikunqanda ukuba unyuse umrhumo wakho ngexesha lexesha elipheleleyo leengxowankulu ngaphezulu nangaphezulu kwesicwangciso sakho sokuzimela . Kwakukho abantu abaningana kwisangqa sam sangaphakathi esasilisebenzise ngcebiso endikunike ngayo ngexesha lokugqibela ukuqhuma, ehla ukuya kwiiNkonzo zabasebenzi ukwenzela ukwandisa ama-401 (k) iminikelo. Ndiyazi nangaphezulu komntu omnye othabatha imisebenzi yesibini neyesithathu, ukutshala imali eyongezelelweyo kwimpahla eseleyo wonke umntu ukulahla! Ukuba ihlabathi liyahlukana kwaye uyaqiniseka ukuba ilizwe liya kuphila, kusenokungabi yinto embi ukuxhatshazela imeko kwintsapho yakho inzuzo.
Kwabo abo into enjenge-Vanguard ye-S & P 500 yengxowa-mali yesikhokelo yindlela ekhethiweyo yokuhlanganisa imali yakho, yeqa ukutya kunye nokusebenzisa imali oyigcinayo ukuthenga izabelo ezininzi. Thatha ukutshintsha kwebusuku kwisitoreji esilungileyo sendawo. Ucinga ukuba ndiyinkathazo kodwa imbali ibonise imicimbi efana nale kuphela yenzeke kanye emva kwamashumi ambalwa eminyaka. Yilungele ukuthatha ithuba xa izitonkqoza.
Iindleko kunye neentlawulo
Lo mxholo ndiphindaphindiwe iminyaka elishumi nesiqingatha kodwa kufuneka uwuqonde. Iindleko. Imirhumo. Kwinqaku endiyibhalile ngaphambili kwiveki ebizwa ngeendlela ezili-7 zokunciphisa umrhumo weNtlawulo yeNtlawulo yeNtsapho , ndacacisa indlela yokubeka ingqalelo ezintweni ezincinci, njengecebo lokubambisa i- asethi okanye izabelo zokubamba ngendlela ebenokuthi iindlalifa zakho zizuze isiseko salo , singongeza izigidi zeedola ngokubaluleka kwexabiso elongezelelweyo kwiintlawulo zeentsapho.
Kuyafana nokuphepha okanye ukunciphisa iindleko zokuxhatshazwa oza kuhlangana nazo, ezenza njengerhafu yokufihla imali .