Kutheni iWarren Buffett noCharlie Munger bekunene

Ukuziphatha okungekho phantsi koTyalo-mali kuPhulo lweMarike

Ngaphezulu kweminyaka elishumi eyadlulayo, ndaya kwintlanganiso yesabelo sabanikazi besivumelwano saseBerkshire Hathaway kunye nento engabonakaliyo abatyali-mali abali-billion, uWarren Buffett kunye noCharlie Munger, bathi ndiyinqaba. Xa bebuzwa ukuba kutheni bengabandakanyekanga malunga nokwabelana ngendlela yabo yokuphuhlisa ixabiso, aba bantu babambelela ukuba bakholelwa ukuba yindlela efanelekileyo yokuziphathela ukudala uluntu olungcono, ngoxa beqaphela ukuba abaninzi abantu abazange bahambelane nantoni na ayithethayo ngexesha leengxaki ezilandelayo; ukuba uninzi lwabantu abaphulaphulayo luya kuhoxisa oko bakufundile kwaye bayenqaba ukuziphatha ngokufanelekileyo.

Nangona ndihlonipheke kakhulu kubini, ndabona ukuba kuphazamisekile.

Kwiminyaka kamva, ndazibonela ngabanye ukuba bekunjani. Njengoko ndabhala ngoMatshi 21, 2009 xa i- Dow Jones Industrial Average ifikelele ngaphantsi kokulandela ukubola okukhulu kwizizukulwana, "... silapha phakathi kwexabiso lokuhlaziywa kwexabiso elikhulu kwizizukulwana kwaye abanye abantu abanengqiqo baziphatha ngendlela Ukungabi ncamango Ndiphantse ndifumanise ukuba ndingabakhathazi ukuba ndiyilungise kwakhona. Elinye lamalungu omtshato osondeleyo ngoku afuna ukuba nezitokisi, okanye ngokuqinisekileyo, amabhizinisi ngokubanzi, akayikho into efana nayo. akusiyo ingozi. Ukungaphumeleli kwimilo kufuneka kubonakale kodwa ngenxa yesizathu esithile, abaninzi abantu banokuthi babe neengxaki zokulondeka komsebenzi (kwaye kukungabonakali, ingqondo yenu) kunokuba ukhuseleko lokulawula isigqibo sabo sokuba ubugorha bokubukela ixabiso lempahla kwi-balance sheet yakho. "

Njengomntu oye wangena kwindlela yokwakha ubutyebi ukususela ekuqaleni, makhe ndithi: Inkqubo yokwandisa umthamo wakho awuyi kuba yinto ehamba phambili, elula ukunyuka njenge-escalator. Kunoko, kunokwenzeka ukuba kuya kufana kwaye kuqale, kunye nexesha elide phakathi kokubulumko ukuchitha ixesha lokufunda, ukufunda, kunye nokuxhamla izixhobo zokusebenzisa amathuba anokungabonakaliyo.

Yingakho ndandinamandla kakhulu kuloo ngqungquthela xa ndathi, "Kukho igazi elihambelana nezitratato ngoku kunye nalabo abanezibonelelo, isibindi, nokuzimisela ukusebenzisa inzuzo enkulu yokuthengisa ngomlilo kwixesha elidlulileyo Isiqingatha sekhulu leminyaka baya kuzifumana ngokucebileyo kwiminyaka elineshumi apha.Uku ngoku, xa abantu beqala ukukhwela kwiimakethe okanye kwimingcipheko, ndiyifumanisa kwaye ndihamba, ndiziva ndibi ngenxa yokuba bakholelwa ngokwenene ukuba bayabelana. babuyele, bebuza ukuba kutheni abanye [baqokelela] ubutyebi. "

Sekuyiminyaka esixhenxe. Njengawo onke amaxesha ngaphambili, imbali yayingafani. Nangona konke ukwesaba, abo babambelele kumashishini abo amangalisayo, bavuselela izihlawulelo , kwaye baqhubeka bethenga ngaphezulu ngokusebenzisa i-maelstrom benza imali eninzi. Abatshali-mali basemalini abanolwazi ngokwaneleyo ukuthabatha izindlu ezixubileyo bayavuya.

Okuthakazelisayo, abantu abanjalo ababethelela ngaphantsi kwinqanaba elisezantsi ekulandeleni imarike yenkomo ende kunazo zonke kwimbali yehlabathi. Ndiphulaphule abatyali-mali bathetha ukuba i-100% yabelwe ukulingana kwamanani okunyuka kwamaxabiso. Ndihlala ndibona abantu bebuza ukuba bafanele bathathe ityala lesikhwama somfundi ukuba batyathele kwimarike yeemasheya.

Kwiiforum ezininzi zeemali, ndiye ndaqala ukubona abantu begxeka abanye ngenxa yokugcina iindawo ezinkulu zemali eziphuthumayo, "Ulahlekelwa ngumxube!" bathetha ngokukhawuleza.

Yimodeli efanayo ibeka yona ukuba idlale, kwakhona. Iimarike ziza kuphazamiseka ngexesha elithile - lisoloko lwenziwa, luhlobo lwendlela yokuthengiswa kwintengiso - kunye nabanye abantu abahlakaniphile baya kuhlawula iibamba zabo ezintle kwiinkampani ezinamandla kakhulu; umzekelo, uJohnson & Johnson, enye yeenkampani ezine kuphela kwi- S & P 500 yonke ngexabiso le- AAA kwiibhondi zayo zenkampani , ebonisa ubungqina besakhiwo semali.

Ngaphambi kokuba kwenzeke, khumbula oko ndiza kukuxelela: Ukwenza imali kwi-portfolio yakho akunzima. Kuba bambalwa benu abanomnqweno wokuzimelela ngokwezimali , cinga ngezinto ezilandelayo:

• Ukwakha iphothifoliyo epheleleyo . Le yinyathelo yokuqala kunye neyona nto ibalulekileyo, kufuneka uthabathe ixesha lokufunda eli nqaku lilandelayo ngokulandela ikhonkco.
• Sebenzisa umzekelo waseBerkshire Hathaway ngokutyunjwa nje kuphela iimpahla zakho kodwa umthombo wakho osebenzayo kwaye ongenayo imali . Oku kuya kukukunceda ukuba uphile kwiintlekele zemali kuba awuxhomekeke kumsebenzi omnye okanye umthombo wemali.
• Qhubeka ufuna ixabiso kodwa ubeke imali kuphela kwizinto ozaziyo , ukuqonda, kwaye unokuzichaza kubantwana bakho. Kwimeko yam, ndiyakwazi ukuthetha ngokutshintshwa kwezinga lokunciphisa kunye neempesheni zokubuyisela impesheni kwiingxelo ezifunyenweyo zenkampani zorhwebo. Mhlawumbi awukwazi. Oko akumele kukugodle ngenxa yokuba unako ukuqonda kakuhle kangcono kwintsimi eyahlukileyo. Cinga ngabantu abakuqonda ukukwazi ukwenza iifowuni e-United States baze bathengise indawo yokudlala i-spray space kuphela ngeedola ezingamakhulu ambalwa, emva koko bayithengisa ngamashumi okanye amakhulu eenkulungwane kwiinkampani zonxibelelwano! I-asethi yakho ebaluleke kakhulu isiseko sakho solwazi - luyodwa kwaye kufuneka uyisebenzise.