Indlela uMgaqo we-72 unokukunceda ngayo ukwakha ubutyebi ngaphandle kweengozi enkulu
Nguwuphi uMthetho we-72?
UMthetho we-72 uthi inani lexesha elifunekayo ukuphinda kabini imali yakho lilingana no-72 lwahlula ngezinga lakho lokubuyela. Umzekelo:
- Ukuba utyalomali imali ekuphumeni kweepesenti ezili-10, uza kuphinda uhlawule imali yakho yonke iminyaka engama-7.2. (72/10 = 7.2)
- Ukuba utyalomali ekuphumeni kweepesenti eziyi-9, uya kuphinda uhlawule ngemali yakho yonke iminyaka eyi-8. (72/9 = 8)
- Ukuba utyalomali ekuphumeni kweepesenti eziyi-8, uza kuphinda uhlawule imali yakho yonke iminyaka engama-9. (72/8 = 9)
- Ukuba utyalomali kwi-pesenti ye-7, uza kuphinda uhlawule imali yakho yonke iminyaka eyi-10.2. (72/7 = 10.2)
(Qaphela: UMgaqo we-72 uthatha ukuba uvuselele izihlawulelo zakho kunye neenzuzo ezinkulu. Lo mgaqo usebenza ngenxa yezimanga zomdla .
Yiyiphi Inyaniso Ebuyayo Ndingayilindela?
Umvuzo weminyaka engama-25 wokubuya kwe -S & P 500 (ukususela ngexesha lika-1987 ukuya ku-2012) ngowama-9.61 ekhulwini.
Ngamanye amagama, ukuba utyalomali kwingxowa-mali elandelela i-S & P 500 ngo-1987, kwaye awuzange uphambuke imali, ubuya kubakho ukubuyisela okuphakathi kwama-9.61 ekhulwini ngonyaka. Ngelo nqanaba, uya kuphinda uhlawule ngemali yakho yonke iminyaka engama-7.5.
Kubalulekile ukuqonda ukuba imarike iya kuthatha ukuguquka kwamasango kunoma yimuphi unyaka othile. Ngexesha eli-25 leminyaka ukususela ngo-1987 ukuya ku-2012, imarike yanikezela ukubuyisa ngokuphakama ngamaphesenti angama-37 ngonyaka ka-1995, kwaye iphinda iphinde iphinde ibe yi -37 ekhulwini ngo-2008.
Sixubusha umyinge wexesha elide , kwaye indlela yodwa yokuthabatha loo myinge ukuhlala kwikhosi ngokuqinileyo kunye noxakeke. Abanini-zimali abaninzi bafumana ukulingwa ukuthenga ngaphezulu xa izitokisi zikhuphuka, okanye zichithwe kwaye zithengise ukubamba kwazo ngexesha lokuncipha.
Ukutshala imali ngokwemvakalelo yakho akuyiyo isicwangciso esihle.
Nangona kunzima, uya kuxhamla ngakumbi xa uhlala emakethi xa amaxesha enzima (ngaphandle kokuba usondelene kakhulu nomhlalaphantsi).
Kuthiwani Ukuba Ndiza Kuphinda Ndiyibuyise Imali Yonke Iminyaka?
Ukuba iinkcukacha zembali zibonelela nayiphi na inkcazelo, kunengqiqo ukulindela ukuba umntu unokuphinda kabini imali yabo yonke iminyaka engama-7.5, ngokwemigaqo ye-72.
Nangona kunjalo, umlo-mali u-Warren Buffet uxela ukuba ukubuyela kwexesha elide lemarike yemasheya yase-US ngekhulu lama-21 kuya kuba ngaphantsi kwezinto esizifumene ngekhulu lama-20. Utsho ukulindela ukubuyela kwexesha elide kwixesha elide kwi-7 ekhulwini (ngaphezu kwama-9,8 ekhulwini). Ngokusekelwe kuloo mbono, uMthetho we-72 uthi uya kuthatha iminyaka eyi-10 ukuphinda kabini imali yakho.
Oko akubi. Cinga ukuba utyalise i-$ 5,000 kwi-20 ubudala. Xa uneminyaka engama-30, uya kuba ne-$ 10,000. Nge-40, uya kuba ne-20,000. Kwi-50, ibe ngama-40,000.
Xa uneminyaka engama-60, xa usondeza umhlalaphantsi, uza kukhula u-$ 5,000 wokutshala imali kwi $ 80,000.
Inqaku eliphantsi: UMgaqo we-72 ufundisa indlela yokuphindaphinda imali yakho, kodwa kuya kuwe ukuthatha inyathelo. Ukutshala imali kwimarike ebanzi, gcina isigulane ngokuzenzekelayo kwaye uphinde uhlawule , kwaye uvuselele kwakhona iimali zakho .