Ukuqonda ukuba Iimpawu Zingakanani Ziyakwenza Ukulinganise kwi-Big Market Market
Ukukwazi ukuba khona kwabo kunokukunceda ukuba uphathe kakuhle ingozi yakho yepotfoliyo , ukuphepha iingxaki ezinokuthi uzame ukukwenza into engento ebuwula.
Uluphi utywala?
Ehlabathini lokulawulwa kwemali, igama elithi "value trap" libhekisela kwimeko apho, kubonakala phezulu, kubonakala kunika umtyalo-mali ithuba lokufumana iimpahla ezibonakalayo kunye / okanye umvuzo onxulumene nentengo yemarike, ethembisa ithuba elingaphezulu kakhulu- ngaphezu kwenzuzo-yesilinganiso kuneemarike ezithengiswayo , kodwa kuya kuba yinto engabonakaliyo ngenxa yamanani amanqaku.
Yintoni Edala Ubungozi Bokuxabisa Ukuphuhlisa?
Kukho naziphi na izizathu ezibangela ukuba izibambiso zivele. Ezinye zeemeko eziqhelekileyo ezikhokelela ekuphuhliseni kwazo zi:
- Utshintsho oluhlala njalo kwiCash Generating Power of aQinisekisiweyo okanye iCandelo elenza ukuthelekiswa okudlulileyo kokusetyenziswa okuncinci - Cinga malunga nabavelisi behashe nabakhweli emva kokuba uHenry Ford aqale ukuveliswa kwimoto yeT Model T. Imihla yabo yabalwa; imizila yabo yemveliso ibhujiswe ngenxa yokunyuka kwemizila njengoko iintsapho zithengiswa kwiimigangatho zazo kwiigaraji, zinika uhlaza kunye ne-oats kwipetroli. Ukuba ubona ukuhla kwexabiso, ubukele umvuzo wexesha elidlulileyo, wacinga ukuba, "O mfana, oku kungancinci uma kuqhathaniswa nezinto ezisemgangathweni!", Wawuphosakele kakhulu. Iziphumo zokusebenza ezidlulileyo zoshishino zazingenakusetyenziswa ngokukhawuleza ekuqingeni ixabiso langaphakathi.
- I-Peak Ebizwa ngokuba yi-Trap Traps ku-Industries of Cyclical - Kukho into eyaziwa ngokuba yi "intlanzi yokufumana umvuzo" ongenza umonakalo omkhulu wezezimali kumafama angenamava. Kuyenzeka xa amadoda nabesifazane bethenga izabelo zeenkampani kwiimashishini ezijikelezayo ezifumana ama-booms kunye neebhasi - cinga abakhi bezindlu, amakhemikhali, ukuchithwa kwemigodi, ukucocwa-phezulu kwimijikelezo yokufumana; xa iimeko zibhetele kunokuba ziye zadlulileyo kwiminyaka, amashumi eminyaka nanjalo, ngoko imali ikhukhula kwisitatimende sengeniso kunye nekharityhulam yeefemu apho bafumene khona ubunini. Oku kubangela ukuba isilinganiso somvuzo-kuya-umvuzo sibonakale singabalulekanga . Ngokudlulileyo, amaninzi amashishini amashishini axabisa kakhulu xa isilinganiso sabo se-p / e sibonakala siphantsi kwaye sincinci xa isilinganiso sabo se-p / e sibonakala siphezulu. Kwiimeko ezinjalo, ungcono ukujonga i- PEG ratio okanye isilinganiso se -PEG esilungisiwe .
- Iingxaki zeMali yokuHlaba kweeNgxowa zixhomekeke ngakumbi kwiNkcazo yokuNikwa kweNgeniso kuphela -Ukuba uke wathatha iikholeji ye-coleji-level, ungase ufunde imimandla evelele yamashishini anenzuzo ayenzela ukufumana imali emihle ngexesha abaye bachithwa. Oku kuya kwenzeka ngezizathu ezahlukeneyo. Ngonyaka ka-2008 ukuya ku-2009, ukuhlaziywa okukhulu, amaziko amaninzi eemali-mali, okubandakanya iibhanki ezinkulu zezobalo-mali zehlabathi, ababenomnini-mafutha abo babesuswe ngenxa yokuba ibhajethi yenkxaso -mali yangexesha elide kunye nezinto ezikhoyo ; iphutha kwisakhiwo esikhulu esichaza ukufa komntu othile xa ihlabathi liwela ngaphandle kodwa eliphindaphindiweyo isizukulwana njengoko izifundo zexesha elidlulileyo zilibalekile. Kwezinye iimeko, izitolo zentengiso zinezinto ezaziwa ngokuba ngumgangatho ophezulu wokusebenza; izakhiwo zendleko ezizinzileyo ezithetha ulwandle olungapheliyo lwamalahleko xa kuthengiswa kuthengisa ngaphantsi komyinge othile, phantse yonke into engaphezulu kwesi sixa esiwela kumgca njengenzuzo . Ngokomzekelo, ukuba abahlalutyi balindele ukuthengiswa kwehla ngaphantsi kwesi sizathu ngesizathu esithile okanye esinye, ukuncipha kwe-20% kwimali engenayo kunokuguqula ukuhla kwe-80% kwinzuzo. Kwezinye iimeko, iqumrhu lingahle lenze kakuhle kodwa iimeko zemarike zentengano zinzima okanye umbandela omkhulu wezobambiswano uphumela ukukhula kwaye akukho nto inokuqiniseka ngayo ngokukwazi ukulungiswa kwenkampani. Ngaphandle koko, ishishini liza kufuneka lihlawule imali ephezulu kakhulu yemali , iyancipha inzuzo kwixesha elizayo ngenxa yokunyuka kwindleko yemali. Mhlawumbi umncintiswano omkhulu uye wangena kummandla kwaye uqhubela isabelo semarike, ethatha abaxhasi abalulekileyo, kunye neendlela zokuvelisa iinkonzo okanye ukunikezelwa kweenkonzo ezenza ukuba ishishini libe yintlekeleko enzima, kwimeko apho, ixabiso lentengo elisezantsi likhona ngaphantsi nje ngokuba i- earnings nganye yesabelo iya kubanjwa ngexesha, iwa kwizinga elifanelekileyo ngokumalunga nexabiso lemarike yamasheya.
Indlela onokuyiphepha ngayo iimbobe zexabiso okanye ukukhusela
Kubaninzi abatyalo-mali, impendulo yokugwema iimbobe zexabiso ziphepha ukugcina zonke izitokethi njengoko zingenakho imali, ukubalwa kwemali, nezakhono zokulawula ezifunekayo ukuvavanya iifemu ezithile; ukuthenga iimali zenkcazo , endaweni yoko, idoli rhoqo ihlawulisa kuyo, ngokukhethekileyo ngaphakathi kwendawo yokukhusela irhafu efana neRoth IRA . Ngaphandle koko, impendulo ingayifumana ngokuzama ukufumana izizathu - kutheni - abanye abanikazi baye balahla ukulingana kwabo. Ukufumanisa iindaba ezimbi; ukulindela okubangela ukuba wonke umntu anganeliseki ngoshishino. Emva koko, zama kwaye uqaphele ukuba ingaba 1.) ucinga ukuba izinto ezilindelekileyo ezingenakwenzeka ziza kwenzeka, 2.) ingaba zingaphaya okanye zingaphantsi, kwaye 3.) ziyiphi iqondo.
Kwiimeko ezinqabileyo, uza kuza kwi-gem.
Uya kufumana ishishini elimangalisayo elinikezelwa ngokukhululekile. Omnye umzekelo weklastiki wokwenza umsebenzi wakho wesikolo ukuba ufumanise ukuba oko kubonakala ukuba ngumthi wokuxabisa awunjalo, eqinisweni, umgibe wexabiso luyinkohlakalo yamafutha e-saladi yase - American Express yama-1960 . Omnye uWarren Buffett wenza imali eninzi-imali eyaqhubeka ukukhonza njengesiseko senzuzo yakhe yaseBerkshire Hathaway - ngokubala ubuninzi obunokutshabalalisa inkampani yekhadi lesikweletu iya kujongana ukuba yonke into yayingenakwenzeka, ukuqonda ukuba abatyali-mali bebexakeke kakhulu. Ibhizinisi liya kuba lihle.
Kutshanje, abaninzi abatyalo-mali bathenga ii-share of high-quality, ama-chip stocks asempilweni anesibhakabhaka ngexesha lokutshatyalaliswa kwe-2008-2009 xa befumene ukuba abanye abatyali-mali bathengisa kungekhona ngenxa yokuba babefuna ukuhlula ubunini babo, kodwa ngenxa yokuba bejongene i- crunches yokuthengwa kwempahla kwaye ifuneka ukunyusa nayiphi na imali ebenokukwazi ukuhlawula ngayo iimali! I-starbucks yekhofi i-Starbucks yinkcazo yecala elimangalisayo. Ngaphambi kokuphazamiseka, i-enterprise yayinekharityhulam ene-rock-solid kunye neentlawulo zerhafu emva kweentlawulo. 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 ngokunjalo akuqokeleli kuphela izahlulelo zemali kwiminyaka ukususela, kodwa baye babuka isitokhi senyuka siye kwi $ 50 + ngesabelo ngasinye. Ngomlinganiselo ohlawulayo we-$ 1 ngesabelo ngasinye (ngoSeptemba, 2017) emva kwebhodi yesigqibo somlawuli wokuthumela imali enini kubanini , oko kuthetha ukuba umntu, kwindawo ethile ngaphandle apho unokuqokelela i-18% kwizabelo ezithengiweyo ngaphantsi (khumbula-kubekho umthengi kunye nomthengisi kuyo yonke intengiso;