Iimali zeeMali eziKhutshwayo ziNomlando omde weeNtlawulo eziPhakamileyo zeNtengo
Xa iingeniso zithunyelwa kubanikazi, zibizwa ngokuba yizabelo .
Kukho iqela elikhulu lophando lwezemfundo olubonisa ukuhamba kwexesha elide leempahla ezihlawulelanayo ezingabandakanyi isabelo semali. Nangona ipesenti eyongezelelweyo apha okanye ingabonakali nje, cinga ukuba umtyalo-mali ugcine i-$ 10,000 ngonyaka, owathola i-7% ngemali yakhe, uya kugqiba nge-$ 4,065,289 emva kweminyaka engama-50. Umtyalo-mali ofanayo ofumana i-9% ngonyaka uya kugqiba nge-$ 8,150,836. Ukuba ngaphezulu kwe-2% ngonyaka kwakuthetha ngokuphindaphinda kabini ubuncwane!
Kukho izizathu ezintathu eziphambili zokuba iisabelo ze-dividend, ngokubanzi, zithande ukwenza ngcono kunezihlobo zabo. Makhe sijonge nganye, ngabanye.
1. Iingxowa zeSahlulo zivame ukuba neNqanaba eliPhezulu leMfanelo - Awukwazi ukuTyala imali
Kukho uqikelelo oluninzi kunye neengcamango zokuphendula. Ukhawuleza kangakanani ukuhlaziya isakhiwo? Unokumisela enkulu kangakanani indawo yokugcina imali yokuthengisa? Ngethuba elifutshane, kunokuba lula kubaphathi ukwenza inzuzo kwingxelo engenayo ibonakale ephakamileyo okanye ephantsi kunokuba ikhona.
Zombini zinokuba yingxaki, kubandakanywa ne-"cookie jar" yokukhangela irekhodi yokunciphisa i-earnings kwithuba elilodwa ngokusebenzisa ukusetyenziswa kweendlela zokubala, ngokukhawuleza ukuguqula ezo qi kelelo ngexesha lexesha elibi ukukhokelela kumanani amaninzi.
Nangona kukho ingxoxo ende malunga nezizathu zendlela yokuziphatha - Abatyalo-sitrato beNtloko bacela ukuba iinkampani ziyenze ngokufuna umgangatho ongenangqiqo umgca wokufumana imali xa kungeyona indlela umhlaba usebenza ngayo ixesha elininzi.
Ukubona ngokubhukuda kwamatye angaphantsi kwamanzi kunokuba nzima ukuba awukwazi ukuba uphando lwezobuchwepheshe olufunekayo ukufezekisa lo msebenzi.
Yilapho izabelo ziza kuhlangulwa. Enye into ongeke uyikhohlise ngayo imali yamanzi ; i-greenbacks enokuthi ugxothwe kwi-pocket yakho okanye ubeke kwi-bhanki. Xa inkampani ikuthumela unotshekethi yokunqunyulwa kwakho kwenzuzo, loo mali ingeyakho. Ungayichitha, yinike inceba, uyibuyisele kwakhona , okanye uyifake kwi-savings yakho . Njengoko iimpahla ezininzi zingenakulinganiswa nale mihla, abanakuzibuyisela kuwe.
Ngaloo ndlela, inokuthi ichaneke ngokuchanekileyo ukuba iinkampani ezinomlando omiselweyo wokuhlawula iindleko zokuhlawula ngokuqhubekayo ngelixa ziqhayisa ngokuxhaswa ngemali yeebhanti zamaphepha , ngokwenene, ukwenza imali.
2. Ulwahlulo oluthabathayo luyakwazi ukuxhasa iStock ngexesha loKhuseleko lweMakethe
Ngethuba lokudakalisa okukhulu kweemarike ezithengiswayo, iimpahla ezihlawulelwayo ezinamandla zivame ukubambelela ngakumbi kunabo abazalwana abahlawulanga abahlawulelwayo. Isizathu senziwa ngenxa yento ethiwa "inkxaso yemveliso".
Cinga ukuba unepotfoliyo ene-$ 100,000 kuyo. Awuzange uyiphathe kakuhle kwaye awuzange unake ingqalelo kumanqaku malunga neendlela ezahlukeneyo ukuze ube nezitokhwe ezimbini kuphela. Isitokethi ngasinye sithenga i-$ 50,000.
Isitoko sokuqala, iBerkshire Hathaway , ngenye yezoshishino ezinamandla kwiimbali. Unamabutho amakhulu angama-100 asebenza kuyo yonke into esuka kwakha, ifenitshala, kunye ne-inshurensi kwiibhanki, iziphuzo ezithambileyo kunye neendwanguzo. Unamaphephandaba kunye neentengiso ze-candy; abafaki bezixhobo zasefama kunye nomzila. Sekunjalo, iBerkshire Hathaway ayizange ihlawule igalelo ukususela ngo-1960.
Isitya sesibini, uJohnson & Johnson, sinye ngobukhulu obufana neBerkshire Hathaway kodwa sigxininisa kumashishini amakhulu amathathu: Amachiza, izixhobo zonyango, kunye neemveliso zabathengi ezinxulumene nempilo ezifana ne-mouthwash, i-powder baby kunye ne-Band-Aids. Njengamhla, unamalungu angama-672 kaJohnson & Johnson kwi $ 74.41 ngesabelo ngasinye, okanye i-$ 50,000 iyonke. I ngasinye sabelo sinikela isahlulelo semali esingu-$ 2.44 ngonyaka. Esi sivuno sesahlulo se-3.3% kwixabiso lemarike langoku.
Oko kuthetha ukuba unyaka ngamnye ufumana imali engama-$ 1,639.68 ngaphambi kokuba nayiphi irhafu onokuhlawulwa. (Unokuphephela irhafu ngokupheleleyo xa ubamba izabelo kwinto efana neRoth IRA ).
Cinga ukuba ihlabathi liyahlukana. Abatyalomali batya. Kukho ukuxhatshazwa. Ngobusuku, imakethe yemasheya iyancipha ngo-50%. Kwenzeke ngaphambili, kwaye ngokuqinisekileyo kuya kwenzeka kwakhona. Yiyo imeko yehlabathi.
Ngoku, yonke iphothifoliyo yakho ixabise i $ 50,000. Unayo i $ 50,000 kwilahleko. Izabelo zakho zeBerkshire Hathaway zibiza ama-25,000 zamawaka kwaye izabelo zakho zikaJohnson & Johnson zifanele u-$ 25,000.
Nangona kunjalo, isabelo sakho saseJohnson & Johnson sisakuthumela i-$ 2.44 e-imeyile ngamnye ngonyaka. Oko kuthetha ukuba isivuno sokwahlula si-6.6% kwiimarike.
Ukuba kukho naziphi na abatyalo-mali ngaphandle apho kunye nekheshi ye-spare, iziphumo ezilungileyo ziza kutsalwa kuloo ntengo yesahlulo sexabiso, kwaye zithenge amasheya kaJohnson & Johnson, encedisa ukubeka phantsi phantsi kwexabiso lesitoko nokuzinzisa.
Hlanganisa oko kunye nobuntu bakho. Ukuba ufanele uthengise izabelo ukuba zifike ngemali, uya kukhangela ntoni kuqala: iBerkshire Hathaway okanye uJohnson & Johnson? Iyokuqala ayikuthumeli nayiphi na iitsheki. Okwesibini ikuthumela i $ 1,639.68. Ukuba uthengisa ezo zabelo, ezo zihlolwe ziyeke, ngokunjalo.
Uninzi lwabantu lugcina izinto ezithumela idilesi. Imali ezayo kwibhokisi leposi okanye nge-deposit ngqo kwi-akhawunti ithandeka kakhulu, ngakumbi xa ihlabathi liye lahlukana nawe. Abo baphumelele ukusinda i-fine bangasebenzisa loo ntlawulo yengeniso ukuxhaswa ezinye ukuthengwa kwezinto ezincinci, ukwandisa ubunini bebhanki kwipotfoliyo yabo.
3. Uxinzelelo kwi-Management ukukhetha ngakumbi malunga nokusetyenziswa kweNkunzi yoMnini-mali
Xa iqumrhu limele lithumele i-30% ukuya ku-50% yemali eyibuyisela kubanikazi, inika umyalelo. Ngokukhawuleza, ukuba izinto ezimbini zokufumana iimpahla ziwela idesksi ye-CEO, kufuneka akhethe ukhetho oluhle ngakumbi ngesithembiso esingcono sokwandisa inzuzo. Yiyo le mithintelo yengqondo ejongene nokubuyiswa okuphezulu okuveliswa ngama-stockend stocks kwixesha elide.
Ukubonisa indlela enamandla ngayo oku, buyela emuva kwipotfoliyo yethu yangaphambili kwindawo yokuqala. UCharlie Munger waphinda wathi, emva kokufa kwakhe kunye noWarren Buffett, indlela esheshayo yokuxazulula ingozi ye-Berkshire Hathaway ingeniso yokubuyisela imali yayiza kubakhokhela ininzi yemvuzo njengesahlulo. Abaphathi abakwazi ukusihlaziya oko akuyikulawula. Inyaniso elula ngokulula. Ukwahlula ukubeka isiyalo.
Wonke umntu uhlala ekhangela i-Starbucks i-IPO elandelayo, kwaye ezo zinokuba zikhulu. Kodwa musa ukulibala ukugcina iso lakho kwiimfinjana ezikhupha imali ezithi "zixhamle imali" kubantu ababenamagama abo abhalwe kwisiqinisekiso sesitokisi . Kuyinto enhle ukuhlala ekhaya uze ubone imali ephuma kwiakhawunti yakho. Ukuba ukhethe izibhengezo zakho ngokufanelekileyo, loo mfanekiso kufuneka ukhule ngokugqithiseleyo kwiminyaka.