Kukho iindlela ezimbini zokubuyisela iimali ezahlukileyo, enye yazo iyabahlalela kwinkampani ebahlawulele (esi sicwangciso sinokubeka umngcipheko kumngcipheko komnye umntu kodwa sichaza isigwebo sabantu kunye nethuba lokuphutha kwinkqubo), enye ukuxuba kunye kunye nokwabiwa kwakhona njengokungathi ziyimali entsha njengoko kukho enye idiphozithi.
Okwangoku, siza kugxininisa kwindlela yokuqala yokulungiselela lula.
Ukubuyiswa kweeNkcazo ziyakwazi ukuguqula iNkampani ekhula ngokuNcinci kuTyalo-mali olungcono
Kwinqaku ekhupha incwadi kaJeremy Siegel, Ixesha elizayo kubaTyalo-mali: Kutheni ukunyamekela kunye nokunyaniseka kwenene kwi-Bold kunye neNtsha, uza kufumana amanqaku amanqaku anomdla anikezelwa nguprofesa:
Phakathi kowe-1950 no-2003, i-IBM yakhula ingeniso kwi-12.19% ngesabelo ngasinye, izabelo kwi-9.19% ngesabelo ngasinye, inzuzo nganye ngesabelo 10.94%, kunye nokukhula kwecandelo lika-14.65%. Ngexesha elifanayo, i-Standard Oil yaseNew Jersey (ngoku yingxenye ye-Exxon Mobile) inenzuzo yokukhula kwesabelo se-8.04% kuphela, isahlulo sokukhula kwesabelo se-7.11%, ukufumana isabelo ngasinye ngokukhula kwe-7.47%, kunye nokukhula kwecandelo elibi 14.22% .
Ukwazi ezi nkcukacha, yiyiphi na iifemu ezimbini oza kuba nayo? Impendulo inokumangalisa. Imali eyi-1 000 efunyenwe imali kwi-IBM yayiya kukhula ibe ngama-961,000 amawaka ngelixa inani elifanayo elibekelwe imali kwi-Standard Oil laliya ku-$ 1,260,000-okanye phantse i-$ 300,000 ngaphezulu-nangona isitokisi senkampani yeoli yanda ngokuphindwe ngama-120 ngeli xesha kunye ne-IBM, Ukwahlukana, kwandiswe ngama-300, ngokuphindaphindiweyo kabini inzuzo yesabelo ngasinye.
Ulwahluko lwentsebenzo luvela kulawo mahlulelo abonakalayo: Nangona igalelo elithile lihle ngakumbi kwi-IBM, abanini-masabelo abaye bathenga i-Standard ye-Oli kunye nokubuyisela kwakhona izabelo zabo zemali baza kuba namaxesha angaphezu kwe-15 inani lezabelo abaqalise ngazo ngelixa i-IBM yabanikazi beempahla babe ne-3 kuphela -ixesha labo lemali yokuqala. Oku kuya ku bonisa ukuba uBenjamin Graham utsho ukuba nangona ukusebenza komsebenzi kubalulekile, intengo ibaluleke kakhulu .
Ukukhetha ukubuyisela iMida-mali kwiShishini eliPhumeleleyo lingayiphumela kwiiMali eziPhakamileyo eziPhakamileyo kunye nokuPhuma kweMpahla.
Ukhetho lokubuyisela izahlulelo zakho lunokwenza umehluko omkhulu xa uhlolisisa iqela elilodwa ngaphandle. Kuthetha ukuba unqwenela ukubeka i-$ 100,000 kwenye yezona zizwe ezinkulu, ezona zihloniphekileyo zonyango, imithi kunye nomthengi wemveliso ye-blue chip, Johnson & Johnson. Iindlalifa zentsapho eyisekeleyo yenkampani zikunye uluhlu lwama-Forbes 400 olutsha lwabantu abacebile baseMerika. Kwakuyiminyaka emininzi idlangala phambili, ngowe-1944. Kwakudala kuthathwa njengolu hlobo lwe- blue-chip stocks kwiimarike, kwaye lukhethi olufanelekileyo njengalowo.
Uyithenga isitokisi, uhlawula i-share share 2.8281 ngeesabelo ngasinye.
Kwenzekani? Khawucinge ngezinye ezimbini zendalo.
Kwindalo yendalo yonke, unquma ukungahlawuli imali. I $ 100,000 yakho ikhula ibe yi-$ 4,367,897 phambi kweerhafu. Oku kuquka:
- Izabelo ezingama-35,359 zikaJohnson & Johnson kwixabiso lemarike ye-$ 93.39 yexabiso lemarike elipheleleyo elikufutshane ne-$ 3,302,177
- Izahlulelo zeengxowa-mali ezihlukeneyo ze-$ 1,065,720 ezijikelezayo
Esinye isizathu sokubhiyozela kukuba kwizinga elihlawulelayo lamanani ka-3.00 ngesabelo ngasinye, usethe ukuqokelela imali eyi-105,204 kwi-dividend engenayo kwiinyanga ezilishumi elinambini ezizayo.
Kweminye imimandla yonke, unquma ukubuyisela kwakhona izabelo. I $ 100,000 yakho ikhula ukuya kwindawo ejikeleze i-$ 7,062,245. Oku kuquka amasheya angama-75,621 we-Johnson & Johnson kwisikhululo semarike ye-$ 93.39
Ngenxa yesabelo sakho esiphezulu sabelo - phantse kabini isitokisi - usemiselwe ukufumana i-$ 226,863 yeengeniso kwi-dividend engenayo kwiinyanga ezilishumi elinambini ezizayo.
Lezo zikhetho ezibonakala ngathi zincinci zenze loo nto. Ngokubuyisela izibonelelo, usuphelile nge-$ 2,694,348 ezimalunga nobutyebi obutyebi obuvela kwiintengo ezinkulu kunye nezahlulelo eziveliswe kwizabelo ezathengiweyo ngezabelo zakho zangaphambili, ukubeka umjikelezo onobuchule.
Leyo yonyani imali engaphezulu kunye nenzuzo engenayo yangaphezulu. Ukuphazamiseka kukuba ngokubuyisela iindleko owayeke usebenzise umvuzo ohambisane nohambo, ulahlekelwe kwiminyaka engama-33 yokuphumla, iimpahla, iikonkethi, iminikelo yokuncedisa, iimoto kunye nezinye izinto onokuyithandayo ukusuka kwisabelo sakho sokuthengisa ezimbalwa izinto ezizinzileyo. Ukuba ubuvele ucebile okanye ucebile, oko kwakungeke kube yinto enkulu. Ngaphandle koko, kwakuwumnikelo omkhulu.