Iimvo zeWarren Buffett kwi-Investment, Life and Mutual Funds

Kutheni Ubulumko bukaWarren Buffett bukhokelela kwiNgxowa-mali

Iingcaphuno zikaWarren Buffett malunga nokutyalomali ziyaziwayo ngenxa yokulula kunye nobulumko. Kwaye njengoko uza kubona, ngamazwi akhe, ucebisa ukutshala imali kwiimali ezihlangeneyo.

UMnu. Buffett watsho ngabatshintshi beenkampani zakhe, iBerkshire Hathaway , ukuba uya kuncomela intsapho yakhe ukuba ityala ifa layo kuye kwelinye lezona mali eziphezulu ze- S & P 500 , ngokukodwa kwi- Vanguard Investments .

IQela likaWarren Buffett kwiVanguard Funds

Ukuqala le Warren Buffett icatshulwa ngokutyalomali, nantsi isicatshulwa esicacileyo esivela kwi- 2013 yakhe eya kubakwa-Berkshire Hathaway abanini-mali :

Imali yam ... yilapho umlomo wam: Oko ndikucebisayo apha kuyafana nemigaqo ethile endiyifumene ngayo kwintando yam. Enye inkokhelo inikezela ukuba imali iya kuhanjiswa kumphathiswa kumzuzwana wam umfazi. (Kufuneka ndisebenzise imali ngeentlawulo zamanye amazwe, kuba zonke izabelo zam eBerkshire ziya kuhanjiswa ngokugcwele kwimibutho ethile yobubele kwiminyaka elishumi emva kokuvalwa kwendawo yam.) Ingcebiso yam kwi-trustee ayinakulula ngakumbi: Beka i-10% yemali kwiibhondi zexesha elifutshane kunye no-90% kwi-S & P 500 yengxowa-mali. (Ndiyasikisela iVanguard.) Ndiyakholelwa ukuba iziphumo ezide zithemba kule nkqubo ziza kuba ziphezulu kunezo ezifunyenwe ngabatyalimi abaninzi - ingaba iimali zempesheni, amaziko okanye abantu ngabanye - abasebenzisa imali ephezulu
abaphathi.

Awunakukwazi ukucaca ngakumbi kunale miyalelo: Iimali zengxowa-mali, ngokukodwa imali yeendleko zendleko eziphantsi, yintlobo engcono kakhulu yotyalo-mali kubafakeli-mali abaninzi abafuna ukukhupha i-portfolio ephakathi kwexesha elide.

Kwaye kwanona i-Warren Buffett engcono kakhulu ekucaphungeni ngokutyalomali kunye nobomi kunokutshilwa njengemiyalelo ecacileyo yokutyalomali kwiimali zentsebenziswano. Oku kungenxa yamandla kwizicelo zobuninzi bezinto ezintle ezifana nokulula, umonde, ukumodareyitha, kunye neentlobo ezahlukeneyo eziphambili zefilosofi zeBuffet.

Iimpawu eziphambili ze-Warren Buffett kwi-Investment and Life

1. "Umgangatho obalulekileyo kunomtyalo-mali ulungelelwano, hhayi ukuqonda. Ufuna umoya ongenakuvuyela ekubeni nesihlwele okanye kwisihlwele."
2. "Ukutshala imali ngokuphumelelayo kuthatha ixesha, uqeqesho kunye nomonde. Kungakhathaliseki ukuba ityala okanye umzamo omkhulu kangakanani, ezinye izinto zithatha ixesha: Awukwazi ukuvelisa umntwana kwinyanga enye ngokufumana abafazi abathathu abakhulelweyo."
3. "Andikhangeleli ukugxuma ngaphaya kweebhola ezisixhenxe.
4. "Kwixesha elifutshane, imarike yintsebenziswano yokuthandana. Kwixesha elide, imarike ngumatshini obunzima."
5. "Amathuba afikeleleka kakhulu xa ivula igolide, yikhuphe ibhakethi, ingabi yinto."
6. "Ukukhwabanisa kukukhusela ngokungazi." Yenza ingqiqo kakhulu kwabo baziyo oko benzayo. "
7. "Ukuba awufuni ukufumana isitokethi kwiminyaka elishumi, ungacingi ukuba uyigcine imizuzu elishumi. Hlanganisa iipotifoliyo zeenkampani ezifumana umvuzo wazo ngokubanzi ukuya kwiminyaka, kwaye ngokunjalo kuya kuba nexabiso lemalike . "
8. "Injongo ephambili yokutyalo-mali ayiyi kuhlola ukuba i-shishini liyakuthintela njani uluntu, okanye luya kuba lukhulu kangakanani, kodwa kunokuba luqulunqe inzuzo yokhuphiswano kwanoma yiphina inkampani enikwe, kwaye ngaphezu kwakho konke, ukuhlala kwelo lungelo."

1. "Ndingumtyalo-mali ongcono kuba ndiyindoda yoshishini, kwaye ngumntu osomashishini ongcono kuba ndingumtyalomali."
2. "Kungcono ukuba uthenge inkampani emangalisayo kwixabiso elifanelekileyo kunenkampani enobulungisa kwixabiso elihle."
3. "Ndiza kukuxelela ukuba ungayityebi njani. Vala iingcango, ukwesaba xa abanye bekratshi.

4. "Kufuneka wenze izinto ezimbalwa kakhulu ebomini bakho ngokude nje ungenzi izinto ezininzi ezingalunganga."

5. "Ukuba ufumene kwisikhephe esingapheliyo, amandla anikezelwe kwiinqanawa ezitshintshayo ziza kuba zivelisa ngakumbi kunamandla anikezelweyo ekubambeni ukuvuza."

6. "Akukho imfuneko yokwenza izinto eziqhelekileyo ukuze uthole iziphumo ezingaphezulu."

7. "Into esiyifunda kwimbali kukuba abantu abafundanga kwimbali."

8. "Amaketanga omkhwa alula kakhulu ukuba aziva ade avuke kakhulu."

1. "Kubonakala ngathi kukho uphawu oluthile oluphambene noluntu oluthandayo ukwenza izinto zibe lula nzima."

2. "Akukho nto idlwengula ingqiqo efana nemilinganiselo emikhulu yemali engenamsebenzi."

3. Umehluko phakathi kwabantu abaphumeleleyo kunye nabantu abaphumelele ngokwenene kukuba abantu baphumelela ngokwenene bathi akukho nto malunga nayo yonke into. "

4. "Kudala, uBen Graham ungifundise ukuba 'Ixabiso liyihlawulayo; Ingaba sithetha ngamasokisi okanye iisitokisi, ndiyakuthanda ukuthenga iimpahla ezisemgangathweni xa ziphawulwe. "

Jonga kwakhona: I- Mutual Funds 101 - Utyalo-mali lweeDummies kunye ne- Top 5 Imfanelo yabaTyalo-mali abaphumeleleyo .

Ukuziphendulela: Ulwazi olukule ndawo lunikezelwa ngeenjongo zengxoxo kuphela, kwaye akufanele lichazwe ngokungeniswa njengeengcebiso zotyalo-mali. Ngaphandle kweemeko ngaba le nkcazelo ibonisa isincomo sokuthenga okanye ukuthengisa iziqinisekiso.