Iimpawu ezi-3 kufuneka Ube ngumtyalo omkhulu

Iimpawu Zonke abaTyalo-mali abaphumelelayo baye bafana

Ingaba injongo yakho kukuba ube ngumninimzi weedolophu elincinci eliqokelela i-25,000 kwiinyanga kwizabelo, inzala engenayo, kunye neentlawulo , iiforati zezakhiwo zebhanki zamazwe angaphandle emhlabeni jikelele, okanye ingqondo yezemali eneempawu ezintle kunye nokubuya okuphezulu, kukho iindawo ezincinci kwezinto abaninzi abatyali-mali abaninzi abafana ngazo. Ezi zimpawu ziwela kwiindidi ezintathu ezibanzi: ukulungelelanisa, ukukwazi ukuxabisa impahla kunye nokuqonda okufanelekileyo kwengozi.

Ngokuzihlakulela, unika ithuba lokunyusa iinjongo zokufikelela kwiinjongo zakho zemali, njengokuba umgijimi wenza ngokuqeqeshwa kwindawo yokuzivocavoca.

1. Ukuba nguTyalo-mali oMkhulu Ufuna iNkcazo efanelekileyo

Ukuba uzama ukufezekisa ukubuyiswa kweentlawulo ezilungileyo, kufuneka ube nesimo esifanelekileyo. Kubalulekile ukuba uqaphele isimo sengqondo sahluke ngolwazi, ubulumko, ubulumko nokuqonda. Oku kubandakanya:

• Ukunyamezela: Ngamazwi omtyalo owaziwayo uWarren Buffett , ezinye izinto zithatha ixesha; awukwazi ukufumana umntwana kwinyanga enye ngokufumana abesithoba abasetyhini abakhulelweyo. Kukho inyaniso eninzi kwingxelo yakhe.
• Ikhono kunye nokuzimisela ukunamathela kwisiCwangciso: Nangona uqonda ngokucacileyo imbali yezemali kwaye uyazi oko kusebenzayo, njengokuthenga izinto ezingaphantsi kunokuba zifanelekile kwizaphulelo ezikhangayo ukuya kwixabiso elikhoyo langoku kwaye ubambe ukuqokelela iintlawulo , inzala yengeniso, kunye neendleko, kufuneka ube nobuqili bomlingani ukuba uhlale uzinzile. Ngethuba le-1990-bub-dot-com bubble, abanye abatshali-mali abatshabalalisayo kwihlabathi ababenqabile ukunikela kwixabiso lempahla yamanani, ngenxa yoko babonakala ngathi "ii-dinosaurs" kunye "namadoda amadala", bathumela iileta bebuza ukuba babelindele ukubuya kwesibili Elvis. Musa ukutshutshiswa ngombono woluntu.

• Ikhono loMoya lokwahlula iMarikelelo yokuThatyathwa kweNkcitho yangempela: Ukuba uthenge isakhiwo sendawo edolophini yakho eyenza i-$ 50,000 ngonyaka ngemali engenayo engenayo kwimali kwaye umntu weza kuwe, enikela ukuthenga indawo ye $ 100,000, okanye i-2x yokufumana, ucinga ukuba uyawahoxisa okanye uhleka ebusweni bawo. Ukuba kwenzeka into efanayo kwimarike yemasheya, abaninzi abantu banokwesaba kwaye bayamkele idibanisa! Kunzima ukufumana isityebi.

2. Ukuba nguTyalo-mali oMkhulu Uyakudinga amandla okuBaluleka kweeMpahla kunye neeShishini

Ukuba ufunde ibali lam Ukuba awukwazi Ukuxabisa iBhizinisi, akufanele ube neeMpahla eziMntu , uyazi ukuba kuyimfuneko ukuba ube nekhono lokubala ukubaluleka kwangaphakathi kwexabiso. Akunandaba nokuba i-asethi iyilwelo lokuhlamba imoto, i-bond bond, ulwahlulo lwesitokhwe, ishishini lokucoca elomileyo kwidolophu yakubo, okanye i-conglomerate yamazwe ngamazwe. Ngaphandle kokuba unako ukukhupha i-calculator uze usebenze iifomula ngokwakho, uhlala usebenza kwindawo engathintekiyo kukhuphiswano, kufana kakhulu nomntu oyimpumputhe ozama ukunqoba umncintiswano we-sharpshooting.

Ekuqaleni, izibalo ezibandakanyekayo zinokubonakala zingenakwenzeka, zibuhlungu kwaye zidideka. Nangona kunjalo, ukuba uyazikhumbuza rhoqo ukuba konke ozama ukukwenza kuyiphendula umbuzo omnye: "Ndingakanani na ukuba ndihlawule i-$ 1 yemali yentlawulo ekhoyo yangoku?", Uya kumangaliswa ukuba kucace kangakanani le mantra elula ukugcina iinkqubo zakho zokucinga kucace. Impendulo yaloo mbuzo ingathetha ukugatya ama-90 okanye ama-95 kwithuba eli-100 kumathuba otyalo-mali kodwa khumbula oku: kuthatha kuphela izigqibo ezintle zokufumana ukuzinzimela okanye ukufumana ukuzimela kwemali .

3. Ukuba nguTyalo- mali oMkhulu Uyakudinga ukuqonda ngokuchanekileyo koMngcipheko, zombini ngokucacileyo nangokucacileyo

UMarko Twain watsho ngelinye ixesha ukuba imbali ayiphindaphindi kodwa ingeniso. Kukho, mhlawumbi, akukho lungiselelo olungcono lokulawula imali nokwakha umthamo wakho kunokuba uqonde ngokucacileyo imbali yezemali. Bekungekho uqobo oluphambili phakathi kwebhola lezindlu, i-dot-com craze, kunye ne-Dutch tulip bubble ngaphambi kwekhulu leminyaka. Ngokuzibamba ngokuqonda kwengqondo yengqondo echaphazela ukuthenga nokuthengisa izigqibo zamadoda nabasetyhini ngabanye, unokuphucula amathuba akho okuphepha iimpazamo ezinokulimaza intsapho yakho.

Ngokomntu, ndilandela indlela yokusebenzisa imodeli. Imodeli yengqondo yimbono, ingcamango, esetyenziswa njengesixhobo ekukunceda ukuba ugweme ukwenza izigqibo ezimbi.

Iimpawu zengqondo ziquka izinto ezinjengeempembelelo zePhondo kunye neHalo Effect, iVeblen Goods, The Illusion of Choice, kunye ne-Asymmetry yoLwazi. Kungabonakali okokuqala ukuba kutheni ezi ngcamango zibalulekile kwishishini kunye nokutyalomali kodwa ukuzifunda, ukulungelelanisa, nokuzibeka ekusebenzeni kwakho kunokukunceda ukukhulisa ibhalansi yakho yebhanki ngonyaka emva konyaka.