Ixesha Xa i-Fortunes yenziwe
Inyaniso enamandla, engenakuphikiswa ngokuphindaphindiweyo kwimibandela yezemali kukuba ukwenza imali eninzi ayifuni i-IQ ephakamileyo, mhlawumbi kwimarike okanye kwishishini.
Kuthatha ukulawulwa kweendleko ezingenangqondo, uqeqesho oluqhelekileyo, kwaye ugxininise ekwenzeni okulungileyo ixesha elide, ukunamathela kuphela kwizinto oziqondayo (okanye isicangca sakho sobungcali). Ingaba uqhuba i-franchise yeMcDonald okanye ulawula i- 401k yakho kwiofisi yakho yasekhaya, mhlawumbi u-economic win-win prize Nobel uPaul Samuelson uthe: "Ukutshala imali kufanele kufane nokubukeka kwipende eyomile ... Ukuba ufuna ukuvuya, thabatha i-800 zamaRandi uze uye eLas Vegas. "U
Inkomfa yempumelelo ayitshintshi kwiqela elidlulileyo leeminyaka, kwaye kubonakala ngathi akunakwenzeka ukutshintsha kwikamva.
Umthetho Wokuqala Wokwenza Imali Ngethuba leSitokhwe seThengi
Thenga amashishini amashishini afanelekileyo avelise inzuzo yangempela kunye nembuyekezo ekhangayo kwi-equity , ibe netyala elincinci ukuya kwii-equity ratios , eziphucula umgangatho wenkxaso enobunini -mali, kunye nobuncinane bexabiso lokuthengisa . Ezi fenisi zibambe ngcono phantsi koxinzelelo, zenze ukuba kubuyeke kwakhona, nokuba ixabiso lentengo liyancipha ngo-75% okanye ngaphezulu.
Umthetho wesiBini wokwenza imali ngexesha leSitokhwe seThengi
I-Dollar igqiba umyinge ophakathi kwaye uphume kwiindawo zakho, ukuthenga nokuthengisa kwiirhafu ezichanekileyo kunye nemali ehleliweyo. Oku kuya kukuvumela ukuba ugweme ukuthenga isikhundla kwisikhulu okanye ukuthengisa ngezantsi. Awunakukwazi ukuhamba ngexesha leemarike, ngoko unamathela kumgaqo-nkqubo oqhelekileyo wokuqokelela ukwabelana rhoqo okanye ukucinywa.
Umthetho wesithathu wokwenza imali ngexesha le-Stock Market Crash
Phinda uhlawule izabelo zakho kuba iya kukhulula idireli yakho yindleko yokuphawula. Umsebenzi weprofesa owaziwayo wezezimali uJeremy Siegel uye wabonisa ngokuphindaphindiweyo ukuba izabelo ezibuyisiwe ziyinxalenye enkulu yobutyebi bobubanzi babo babenza imali yabo yokuthengisa imali.
Umthetho wesine wokwenza imali ngexesha leSitokhwe seThengi
Gcina iindleko zakho ziphantsi. Nangona kubonakala kungabalulekanga, kodwa kukho umehluko omkhulu phakathi kokufumana i-7% kunye ne-8.25% kwimali yakho. Ukuba uneminyaka engama-25 ubudala utyalomali i-$ 5,000 ngenyanga ngenyanga yeRoth IRA enethemba lokuthatha umhlala-phantsi kwi-65, izinga lokubuyisela i-7% liya kumfumana i-$ 998,175 ngomhlalaphantsi. Ukubuya kwe-8.25% kuya kubangelwa i-$ 1,383,610 ebutyebi. Yiyo eyimali engama-38.6%, okanye i-385,435 ayi-$! Beka umahluko kumabhondi kamasipala kwaye ufumana i-$ 17,000 eyongezelelweyo kwingeniso yerhafu emva konyaka ngaphandle kokuchukumisa inqununu yakho.
Cinga ngolo hlobo - utsalo-mali olufanayo, ngokubuya okuncinci kuphela, luya kufumana i-$ 1,400 engaphezulu kwinyanga nganye emva kwerhafu yengeniso emva komvuzo ngaphandle kokuba uthinte iphothifoliyo yakho. Ngaphambi kweerhafu, malunga ne-$ 2,300 kwintlawulo ephezulu xa usebenza kwiphepha elithoba ukuya kwemihlanu ngosuku lwakho lomsebenzi.
Beka enye indlela, ukufumana oko-1.25% ukubuyisela kwiminyaka engaphezu kwe-40 kufana nokufumana i-$ 27,600 ehlawulwayo ngexesha lokusebenza kwakho. Umehluko omkhulu kukuba awuyi kuba nako ukujongana neeyure ezicwangcisiweyo, umphathi, osebenza nabo, okanye uhambo lokuqokelela inzala yakho ye- bond bond kamasipala .
Kutheni uthetha ngo-1.25% umahluko? Leyo yintlawulo yolawulo ehlawulwe yimali ehlanganyelweyo ephathekayo. Inkcazo yenkcazo ithenga kuphela kwaye ibambe ibhasikidi yamasheya esekelwe kwisibuko-ngokuqhelekileyo, i- S & P 500 okanye i- Dow Jones Industrial Average . Ngaphandle kweendleko zokulondoloza, akukho mali engama-0.12% yeempahla ngonyaka, okanye i-$ 120 nganye kwii-100,000 zama-$ 100,000 ozifakile ukusebenza! Iingxowa-mali ezibini ezithandwa kakhulu zinikezwa yiVanguard kunye ne-Fidelity (jonga i-prospectus yamaxabiso ekhoyo ngoku).
Ndibone enye inkampani enkulu yolawulo lobutyebi inika inkxaso ye-S & P 500 yengxowa-mali, efuna ukuba akukho msebenzi, kodwa ihlawula i-1% + intlawulo yemali ngamnye ngonyaka.
Yiyo eyi-10x iindleko ze-Fidelity kunye ne-Vanguard iimali zeemveliso ezifanayo! Usuke ubona ukuba iimpembelelo zingaphi kwi-pocketbook kwiminyaka embalwa. Uninzi lwabatyalomali aluqapheli ukubaluleka kweemali kuba imali ichithwa ngokuzenzekelayo kwi-fund efanayo. Ngamanye amazwi, akudingeki ukuba babhale isheke kuba yimeko 'yokungaboni, ngaphandle kwengqondo'. (Ukuze ufumane ulwazi oluthe vetshe, funda yonke i-About About Mutual Funds .)
Umthetho wesihlanu wokwenza imali ngexesha leSitokhwe seThengi
Ekugqibeleni, imfihlo yokugqibela yokwakha i-fortune xa iWall Street isesiphepho kukudala i-generator cash cash sources . Le ngenye yezona zinto ezibaluleke kakhulu ongayenza ukuze unciphise umngcipheko. Nangona ungummeli ofumana i-$ 300,000 ngonyaka, okanye umdlali owenza i-$ 2,000,000 ngefilimu, uya kuba nobomi obonwabisayo xa uyazi ukuba awuxhomekeke kwi-paycheck yakho elandelayo ukuze ugcine umgangatho wakho wokuphila.
Ukusetyenziswa kwam okuthandayo kwile ndlela yiBerkshire Hathaway Model . Le yindlela indlela yam ubomi kunye nemali ehlelwe ngayo, kwaye ingenza kube lula kakhulu ukuqokelela iibhiliyoni ezimbalwa zokuqala zeedola ngokufanelekileyo. Ngokwenene, uhlala kumsebenzi wakho wosuku, uxhaswa ngemali yakho yomhlala phantsi ngaphandle komvuzo wakho oqhelekileyo. Emva koko, wakha ezinye iirakhi zeekhredithi (umzekelo, ukuthuthwa kweemoto, izitolo zokuthengisa, iindlela zepapasho, umsebenzi wokulondoloza impilo ngexesha lehlobo, iipententi, izibonelelo, izindlu zokuqashisa, njl.) Ozisebenzisayo ukwakha iphothifoliyo yakho yokutshala imali. Ngaloo ndlela, ngelixa uqhuba into yakho rhoqo - uya emsebenzini, uqoke abantwana, ube neentlanganiso zabasebenzi, kwaye ubeka igesi kwimoto - iirhasi zakho zemali zithela imali kwi-brokerage yakho, umhlalaphantsi kunye nezinye i-akhawunti.
Oku kungenza iinqununu zenze i-quest yakho yokuzimela ngokuzimela, ungakhangeli kukukhusela ukuba ulahlekelwe ngumsebenzi wakho (kwimeko apho, unokukrazula okwesikhashana imali evela kubakhiqizi bemali ukuhlawula iindleko zakho zokuhlala uze ufumane umsebenzi kwakhona ). Cinga ngeWarren Buffett . Ukuba uNdlovukazi weeNkcenkceshi kwakuza kuphawulwa, uya kuhlala esityebi ku-GEICO. Ukuba bekuza kuphinda uyehla, usenayo iNebraska Furniture Mart. Ukuba oko kwachithwa, kukho rhoqo uBenny Moore Paints. Ukuba babesuswa, unokuhlala ehla kwiCoca-Cola. Ukuba bayeka ukuba khona, kukho rhoqo i-American Express, iWashington Post, i-Wells Fargo, i-US Bancorp, i-Johnson & Johnson, i-Borsheim kunye ne-MidAmerican Power. Ngaphezu koko, wenza izigidi ezihleli kwiBhodi yabaLawuli . Konke oku kuqalwe ngendlela yephepha eyanikela ngenkunzi yakhe yokuqala ngaphezu kweminyaka engamashumi asixhenxe edlulileyo. Funda kuyo!