UWarren Buffett ube ngumtyalomali osisigxina, umlenze wezoshishino kunye nomthandi wobubele ukususela ngo-1951, kwaye uyaqhubeka enamandla. Uthathwa njengowomnye wezolimo-mali eziphumelele kakhulu, kwaye imali yakhe eyi-$ 90.1 yezigidigidi ngo-Januwari 16, 2018, imenza ibe sesithathu kuloluhlu lwabantu abacebile kakhulu kwilizwe lonke nakwihlabathi lonke. I-Buffet inerekhodi elide lomzila wokuphumelela ekubetheni i-marhwebo kunanoma yimuphi omunye umtyalo-mali oyimvelaphi.
UBuffett wafumana inkampani ye-textile egama linguBerkshire Hathaway ngowe-1965 waza kamva wasebenzisa igama elifanayo kwinkampani yakhe yokuloba. Ukususela ngo-1970, uBuffett usebenze njengosihlalo weBerkshire Hathaway kwaye naye unomnini-nxaxheba omkhulu kunabo bonke. NgoDisemba 19, 2017, ixabiso leentengo zeBerkshire Hathaway lithatha phezulu; isabelo se $ 300,000 ngesabelo ngasinye. Amaphephandaba amaninzi ayibhekisela kuye ngokuthi "I-Oracle ye-Omaha" okanye "iWebhu" ngenxa yecebo lakhe lokutyala-xabiso kunye nendlela ahlala ngayo kunye nobunzima bakhe ebomini. UBuffett ungumphikisi owaziwayo kwaye uye wathembisa ukuba uya kunika i-99 ekhulwini yobutyebi bakhe ukuba axhasane nezizathu zokuphila, ikakhulukazi kwiBill kunye neMelinda Gates Foundation.
Kule minyaka, uBuffett uye wabelana ezininzi iingcamango zakhe malunga nokutshala imali. Ucatshulwe ngokuphindaphindiweyo, kwaye unemibono ecacileyo kwiqondo elifanelekileyo xa utyalomali kwinkampani:
- "Xa iBerkshire ithenga i-stock efanayo , sisondela kwingxelo njengokungathi sithengisa ishishini labucala."
- Imiphumo ebhaliweyo ayiyikuchaphazela izigqibo zethu zokusebenza okanye ukunikezelwa kwemali. Xa iindleko zokuthenga zifana noko, sinqwenela ukuthenga i-$ 2 yemali engenayo engabonakaliyo phantsi kweemigaqo-nkqubo eziphambili kunokuba kuthenge i-$ 1 yemivuzo echazwayo. "
UBuffett naye wabelane ngemibono malunga nomgangatho wolawulo lweenkampani kunye nengqondo ecinga ngayo ivelisa ukusebenza ngokuphumelelayo:
- "(Xa uthetha ngabaphathi kunye nembuyekezo yokulawula) I-hitter .350 ilindele, kwaye iyafanelwe, inzuzo enkulu ekusebenzeni kwayo-nokuba idlala kwiqela leendawo zokuhlala. udlala kumdlali wepennant. "
- "Uninzi lwezikhetho kwiindawo zenkampani ziye zasebenza ngendlela efanayo: zifumene ngexabiso nje kuba ukuphathwa kugcinwe i-earnings, kungekhona ngenxa yokuba yenze kakuhle kwi-capital ezandleni zayo."
- "Asiyibukeli nkampani ngokwayo njengomnini oyintloko wezinto zethu zezoshishino kodwa kunoko siyibheke inkampani njengendlela yokuqhuba iifazi zethu."
UBuffett uvame ukunika izikhokelo ezinikeza ingqiqo kwimpumelelo yakhe yokutshala imali:
- "Awuyilunganga okanye ingalunganga kuba isihlwele asivumelani nawe. Uchanekile kuba idatha yakho kunye nokucingisisa kulungile."
- "Musa ukuthatha iziphumo zonyaka ngokubalulekileyo. Endaweni, gxininisa kwimimiselo emine okanye emihlanu."
- "Gxininisa ekubuyiseni kwi-equity, kungabi yi-share share."
- "Ukujika-kancinci kungekho nto."
Uhlalutyo olunzulu ngenye yeemfihlo zikaBuffett zokuphumelela. Akajonganga kuphela kwiingxelo zemali kodwa nakwikhwalithi yeqela lokuqala lokulawula iinkampani zakhe. Uzinikeze imigaqo kwezinye izinto ezibalulekileyo ekujongeni ngelixa uvavanya impumelelo yenkampani kunye nokusebenza kwayo kwesitokisi:
- "Khangela iinkampani ezineenzuzo eziphezulu."
- "Ngaba ulawulo olunengqiqo?"
- "Ngaba ngaba ngabaphathi baphathi abanini-mali?"
- "Ngaba ulawulo luyayichasa umqathango?"
- "Ingaba ishishini lithembele kwixesha elide?"
- "Ngaba ishishini linomlando osebenzayo?
Izindlela zokutyalomali zikaWarren Buffett zinemixholo eqhelekileyo; phakathi kwabo, ugxininisa ukuba ukuthengwa kwempahla kwiinkampani ezimbalwa kunceda abatshali-mali ukuba bangcono. Ukhuthaza ukuthengwa kwempahla kwiinkampani apho abatyali-zimali banomdla, njengokuba umthengi weemveliso zenkampani okanye umthandi wefilosofi yebhizinisi, ukubuyisela i-stock portfolio. Kwakhona uvakalelwa ngamandla ekubambeni kwi-stock investment kwixesha elide.
- Uhlobo olubanzi lufunwa kuphela xa abatyali-mali bengayiqondi into abayenzayo. "
- "Ungaze utyalole ishishini ongenakuliqonda."
- "Ngaphandle kokuba unokwazi ukubheka i-stock holding holding down by 50% ngaphandle kokusazela, ungayi kuba semakethe yemasheya."
- "Kutheni ungalisebenzisi impahla yakho kwiinkampani ozithandayo? Njengoko uMadie West wathi, 'Kuninzi into enhle inokuba yinto emangalisayo'."
- " Ingozi ingancitshiswa kakhulu ngokugxila kwiindawo ezimbalwa kuphela."
- "Inethemba lokuba intshaba yomthengi onengqiqo."
- "Ukukwazi ukuthi 'cha' kuyinzuzo enkulu kumtyalomali."
- "Umtyalo-mali kufuneka enze izinto ezimbalwa ngokukhawuleza nje ukuba ugweme iimpazamo ezinkulu ."
- "Iingcebiso 'awunakuyeka ukuthabatha inzuzo' budenge."
- "Kubaluleke kakhulu ukuba uthi 'cha' kwithuba, kunokuthi 'yebo.'"
- "Njalo utyalomali ixesha elide."
- "Akukho imfuneko yokwenza izinto eziqhelekileyo ukuze uthole iziphumo ezingaphezulu."
Ekugqibeleni, uBuffett uye wayethetha ngokubhekiselele kwiingcamango ezingaphezulu kwiqondo lokugcina imali. Ezi ngcaphuno ziphinda zikhethile ukukhethwa kwexesha elide kunye nokugxilwa, kungekhona kakhulu kwishishini langaphandle okanye kwezoqoqosho, kodwa kumgangatho wekampani; ifilosofi, ulawulo kunye nemisebenzi:
- "Yeka ukuzama ukuxela ubungqina beemarike zamasheya, uqoqosho, inzala, okanye ukhetho."
- "Yithengisa iinkampani ngeembali ezinamandla zokuzuza kunye ne- franchise ebalulekileyo yezoshishino ."
- "Yoloyike xa abanye bekratshi nabanokratshi kuphela xa abanye besaba."
- "Impumelelo enkulu ingabangelwa ukungasebenzi. Abaninzi-zimali abanako ukuchasa isilingo sokuthenga nokuthengisa rhoqo."
- "I-Lethargy, engqamene ne-sloth imele ihlale ingundoqo yecala lotyalo-mali."
- "Umtyalo-mali kufuneka enze njengokungathi wayenekhadi lokuthatha isigqibo esiphila ubomi esinezipondo ezingamashumi amabini."
- "Ukukhula kunye nexabiso lokutshala imali kuhlanganiswe kwi-hip."
- "Khumbula ukuba imarike yesitokisi iyinxunguko yamadoda."
- "Thengisa ishishini, ungaqeshisi izitokisi."
- "Umtyalo-mali kufuneka abambe iqela elincinci lenkampani ebalulekileyo ngokulinganayo ukuba umniniyo ubonise ukuba unayo yonke loo shishini."
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu.