Ukwenza imali kwii-Holdings Holdings zakho ziyakwenzeka kwiNye yeeNdlela ezine
Akuyona into elula kodwa yinto eyenzileyo yezigidi zabantu. (Ukukunceda ukuba ubone ukuba "isityebi" sithetha ntoni kuwe, sifunde Ingakanani Imali Eyathatha Ukuba Yityebi? )
Kwinqanaba lenkqubo yokwenza ubutyebi kwi-portfolio yakho yenze imali; ngokwenene ukwenza imali , ukubeka loo mali ukuba isebenze kwiimpahla ezongezelelweyo ezivelisayo, ngoko, njengemiyalelo kwibhotile ye-shampoo, "Geza. Unikwe ixesha elaneleyo, amandla okuqulunqa imisebenzi yomlingo kwaye kungekudala imali yakho yenza imali engakumbi kunokuba unokucinga. Kule nqaku, siza kuthatha uhlobo lwenkcazo ebanzi, ekufundeni kweendlela ezahlukeneyo apho iphothifoliyo yenze imali engaphezulu kwenkcitho kubanini-mali ukuba banandiphe.
# 1: Ukufumana Inzala Yomdla kwiMali oyibolekisileyo
Abanye abatyala imali batyala imali ngokuthe ngqo. Omnye wamakhulu ugqitha iminyaka eyakha ukonga kwakhe kwindloba kwaye emva koko, iminyaka elishumi okanye amabini edlulileyo, baqala ukubhalwa phantsi kwemali-mboleko kumntu obangelwa yingozi kakhulu, ukufumana amanqaku athembisayo ngepropati ephantsi, ngokuqhelekileyo kumaxabiso angama-13% ngonyaka.
Wayesebenza kuphela kwinqanaba elincinane yoluntu kunye needolophu ayezijwayele iminyaka engaphezu kwe-70. Kwiimeko ezininzi, wayeza kuthengisa amanqaku athembisayo kwiibhanki xa kuye kwasungulwa imbali yentlawulo okanye uza kuhlaziywa ngaphandle kwento leyo xa umthengi ekwazi ukufumana imithwalo yempahla yemveli.
Enyanisweni, "wayeqashisa" imali yakhe kubantu ababeyifuna ukuthenga ikhaya. Wayelawula umngcipheko wakhe kwaye wagcina iphothifoliyo enkulu ngokwaneleyo yale mpropati ukuba xa omnye wabo angena kwi-foreclosure, okwenzeka rhoqo ngamaxesha, akazange abhekane nobunzima kwaze kwagqitywa inkqubo.
Abanye abatyali-mali bathetha ukutyalomali kwiibhondi ezikhutshwa ngabarhulumente kamasipala , iinkampani , okanye ezinye izinto. Aba bashicileli bebhanki basebenzise imali ephakanyisiwe yokwakha iifeksi, izikolo, izibhedlele, izitishi zamapolisa, ukwandisa kwiimarike ezintsha, ukuvelisa iimkhankaso zentengiso okanye nayiphi na injongo enokuthi ikhankanywe kwi- prospectus prospectus . Ukuba konke kuhamba kakuhle, umnini-mkhonkxa ufumana ukuhlolwa kweengeniso kumvuzo kwi-imeyile-okanye, kule mihla ngokuqhelekileyo ityala, ngokukhawuleza kufakwa kwi- akhawunti ye-brokerage okanye i- akhawunti yokugcinwa kwe-akhawunti- kude kufikeleleke i-bond bond, apho Inqununu iyabuyiswa kwaye ibhondi iphelile.
# 2: Qoqa iImali yeeMali eziShishini ezivela kwiiNkampani oziNayo okanye iNxalenye
Xa uthengisa ishishini, nokuba uthetha ngevenkile yesigxina sekhonkco okanye iqela le-conglomerate enkulu, njengengxenye yesitokisi eBerkshire Hathaway, United Technologies, okanye kwiGeneral Electric, unelungelo lokuqokelela izabelo zemali .
Le mali imelela inxalenye yenzuzo yokuba iBhodi yabaLawuli ikhetha ukuba ithunyelwe kubanikazi ngokusekelwe kwisigxina sabo sonke kwishishini. Ubulungisa obuninzi (ubunikazi) onayo kunye / okanye inzuzo eyenziwa yinkampani, i-dividends yakho iphezulu.
Ukususela ngo-Agasti 2016, isabelo seNkampani kaMcDonald, i-chain yokutya yeyona ndawo enkulu yehlabathi, ihlawula i-$ 3.56 ngemali eyimali ngonyaka. Ukuba unayo izabelo eziyi-100, uza kufumana i-$ 356. Ukuba unayo izabelo eziyi-1,000,000, uza kufumana i-$ 3,560,000. Ezi tshekisho zibonisa nokuba ingaba isitoksi sandile okanye sinciphisa ixabiso lonyaka ngenxa yokuba ixhaswa ngemali yeziphumo zenkampani ngokwalo; imali eveliswa ngokuqokelela imali evela kuma-franchisees athengisa i-cheeseburgers, amafries aseFransi, i-tshokoleta, i-chicken, i-apple pie, i-sandwiches breakfast, kunye nekhofi.
Nokuba xa inkampani ibhekene neentloko, umsebenzi we-McDonald ngokwawo uphumelele ngokwaneleyo ukuba isahlulo siye sakhula kakhulu kwiminyaka, emashumi, nakwizizukulwana. Kuyeyona nto ingundoqo yamandla okwakha ubutyebi kulabo abanengxenye yombuso wehlabathi kwaye bafuna ukuzityebi. Enyanisweni, ekubeni uMcDonald waqala ukuhlawula igalelo yonke indlela ngo-1976, uye wandisa umvuzo ngamnye ngamnye ngonyaka, ngaphandle kokungafani, ngamaxabiso amaninzi anamaxabiso athile. Iminyaka eyi-15 ukuya kwe-20 edlulileyo ibonisa umzekelo. Ukujonga ixesha eliphezulu esinokulifumana kwi- Survey Value Investment Survey , i-1999, isabelo esinye sikaMcDonald sihlawule i-dividend ye-$ 0.20. Kulo nyaka, njengoko usuvele uyazi, isantya sokuhlawula i-$ 3.56. Oko kukunyuka kwama-17.8x, okanye i-19.72% yenkcitho yokukhula yonyaka ngonyaka . Akuzange wenze nto ngaphandle kokuxhomekeka kwisitokisini sakho kwaye wanyulwa ngemali engaphezulu ngonyaka.
# 3: Unobhishino olukhulayo, luye lwabuyisela inzuzo kuwe, kwaye emva koko uthengisa isitya sakho kwixabiso eliphezulu kunokuba uhlawulwe
Xa uthenga ixabiso ngexabiso elinye kwaye uyithengisa ngentengo ephezulu, inzuzo ibizwa ngokuba yinzuzo enkulu . Abanini-shishini banokuyolonwabo kwesi siphumo ngokuthatha inzuzo eyenziwa kwinkampani nokuyibuyisela ekukhuleni ukwenzela ukuba inzuzo ezayo iphezulu. Umzekeliso unokunceda. Khawucinge ukuba unalo ihotele kwaye uhlala uhlawulela imali yakho yokubuyisela ekwakheni iihotele ezongeziweyo. Kuphele iminyaka engamashumi amabini anesihlanu. Ukuba ulawulo lwentlawulo yakho inkulu, kwaye amashishini ngokwabo aphezulu kakhulu (wenza amagumbi okugcwalisa imisebenzi, abasebenzi bakho bayazi ukuba bangene njani kuluntu kwaye badonsa ishishini ukuze bafumane ukubhuka okhethekileyo, ukuba ufunde ukuthengisa iinkonzo eziphuculweyo ukwenzela ukuba ufumane ngaphezulu kwindwendwe nganye, njl.), mhlawumbi uya kufumana intengo ephakamileyo ngaphezu kwesibalo seenzuzo ezipheleleyo ozibuyisele xa uhamba ukuyithengisa isigxina sakho. Oku kwenzeka ngenxa yokuba ubulungisa obuthengisayo bunenani elikhulu; ezongezelelweyo izakhiwo, imali engaphezulu, kunye nenzuzo. Kufana nokupheka ikhekhe; amaqanda, umgubo, iswekile, i-oyile kunye nezinye izithako zidibanisana ukuze zenze into enomtsalane ngakumbi kunenani leengxenye.
Kubalulekile ukuba uqonde i-capital earnings kunye neengeniso zemali azihambelani. Enyanisweni, phantse bahlale behamba ngesandla xa inkampani imisiwe kwaye inenzuzo. Ezinye zeenkampani eziphambili kwiimbali zenze iityebi zabanini-zimpahla zabo zizityebi kuba bobabini bakhula ngokubaluleka kwaye banikezela umlambo wokufumana imali ehlawulwe kubanikazi bamasheya. Ngokomzekelo, utyalo-mali lwama-$ 10,000 e-Wal-Mart ngexesha le-IPO yaloo-1970 lixabisa ngaphezu kwe-10,000,000,000 phakathi kweemali ezazisetyenziselwa imali kunye nokukhula kwintengo yezoshishino njengezitolo ezigqitywe ngaphesheya kweMerika. Isabelo esisodwa seNkampani yeCoca-Cola ithenge i-$ 40 kwisikolo sayo sokuqala esidlangalaleni ngo-1919, izahlulelo zivunyiwe , ngoku zixabisa ngaphezu kwe-15,000,000.
Ezi nkampani zigcinwe ezininzi iimali zazo kunye nokukhula okuxhaswa ngemali. Ukukhula kwaye kwavumela ukuba izinga lokuhlawula linyuswe ngonyaka, ngokunjalo. Xa ukhangelelana zombini kwezi zinto ndawonye - inzuzo eyinkunzi kunye nenzuzo yemali-mali - ibizwa ngokuba yi- return return .
# 4: Ikhona into enokubaluleka (njenge-Real Estate) kwaye uyihlawule umntu onoMfuno okanye onqwenela ukuTshintshiselana ngeCash
Kukho inzuzo enkulu yokwenza imali kuloluhlobo lwentyalo-mali kwaye lithetha ntoni neerhafu. Ngeli xesha eli phephancwadi lishicilelwe ngo-2016, ukuba ungumtyalo-mali oqhelekileyo, mhlawumbi awuyi kuhlawula irhafu ye-self-income ye-15.3% kwingeniso yakho yokuqeshisa ukuba umnini-shishini lomncinci kufuneka ahlawule. Oku kuthetha ukuba imali engenayo eyimali evela kulo mthombo inokubangela ukuba ufumane imali engaphezulu ephaketheni lakho endaweni yokuya kurhulumente. Ndakhe ndabhala malunga nendoda endiyazi ukuba unetyala lokubambisa izigidigidi zeedola kwaye ihlawula iirhafu ezincinci ngenxa yezicwangciso zakhe zokutyalomali, inxalenye yayo yayiquka ukuthenga izakhiwo zeziko kunye nokuqashisa. Le nto ingaba yingqiqo yokwenza ubutyebi, kwaye abantu abaninzi baye benza ngokuchanekileyo ukuba kunye neefowilifo zepropati eziphuhlisiwe, ezifunyenweyo, eziqokelelwayo, kwaye zanyiswa ngexesha elide.
I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo zotyalo-mali, ukunyamezela, 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.