Gxininisa kwiibhakethi ezimbini zexabiso-i-Income Income and Securities Securities
I-Berkshire Hathaway isebenza njani?
Eli lungiselelo linika inzuzo eninzi kwiBerkshire Hathaway. Okokuqala, xa izitokisi ziwa, uBuffett uyakwazi ukuxhomekeka kwimali eyakhiwe ngamashishini asebenzayo ukuba amnike imali yokubuyisela kwakhona kwimarike, ukuthenga ixabiso kwixabiso. Ukuba wayeqhuba i- fund fund , le nto ayiyi kuba yimeko kwaye njengoko ixabiso lokubamba kwakhe liwile, i-Warren yayiya kunyanzelwa ukuba ithengise into eyayiselungele ukuthenga into eyayingabalulekanga. Okwesibini, amashishini asebenzayo ayaxhomekeka kwimilinganiselo yemihla ngemihla (ngaphandle kohlobo lokuba inkampani ebambe iqumrhu elibambisene nomnini lihanjiswe esidlangalaleni). Ngaloo ndlela, iibhanki ziyakwazi ukubolekisa ngexesha elide, elilinganiselwe kwisiseko esoshishino esigxina kunye nezinto eziphathekayo ezifana neefortiki, izitolo zokuthengisa, iikhomputha, kunye nokuba ziza kuba kwipotfoliyo yamasheya abamele izabelo zalabo nkampani ezifanayo.
Ubomi bakho, unokufumana ukuba kulula kakhulu ukuphakamisa umthamo wakho ngokukhawuleza xa ugxininisa kuzo zombini, uthabatha "inkunzi emibini" eya eBuffett kunye nomlingane wakhe wexesha elide, u-Munger, wenze ilitye lembombo.
Ukusebenzisa iNkqubo
Kwabaninzi abantu, i-"bhizinisi labo" eliphambili liya kuba ngumsebenzi wabo wosuku.
Ingaba ungumfundisi, umfaki-mlilo, umgcini-mali, okanye umzali we-part-time-babysitter, yile mijelo yemali evumela ukuba uhlawule iibhidi zakho, jonga ithelevishini, uthenge ukutya, ufake ifayile kwimoto yakho. Kwakhona le ngeniso ekubonelela ngenkunzi yakho yokuqala yokufumana utyalo-mali.
Njengawo nawaphi na ishishini elilungileyo , ufuna ukukhulisa iingeniso zakho, okanye kulo mzekelo umvuzo, umvuzo, kunye neminye imali engenayo emisebenzini, ngokuninzi kunokwenzeka nge-investment encinci. Ngaloo ndlela, ukuba ukhetho lwakho lusebenza ngaphezulu iiyure ukwenza imali engaphezulu okanye ubuyele esikolweni ukuba ube ngugqirha, unokukhetha okokugqibela ngenxa yemali ephezulu ephantsi kwendlela ngokubeka inani elithelekiswayo eliphindwe kabini nangesithathu . Oku kukhokelela kumgaqo wegolide wokwakha ubutyebi: Kufuneka utyalomle kuwe ukuba ufuna ukufumana inkululeko yemali. Oku kuthetha ukufumana izakhono ezitsha nokuguqula ezo zakhono kwiinzuzo zemali. Kuphela iintsuku ezimbalwa ezedlule, ndafunda ibali kwiphephandaba malunga nomenzi wokuzikhusela oye wafumana kakuhle kwi-coupon clipping, angayinqumla ibhilikri yokutya e-$ 150 ukuya kwi-$ 40 - ugcine engqondweni, ekubeni ukuthengwa kuthengwa ngengeniso yerhafu emva kwentlawulo. , ezi ziphumo zikhangeleka ngaphezu kokubonakala kwazo.
Ukunyaniseka kukuba abo abanezakhono ezizodwa ezifana neentliziyo zonyango, i-auto mechanics, amazinyo, ama-plumbers kunye nezivakalisi eziqhelekileyo zesi-Chinese zesi-Mandarin azishiywe ngaphandle koqoqosho lwehlabathi. Cishe sonke sinobuchule bokufaka ezinye zeetekethi zezakhono ezizodwa kwiibhokisi zethuluzi lobugcisa, kodwa ingcamango yokuba uya kukwazi ukuphumelela esikolweni esiphakeme kungekho nto ngaphezu kwediploma, ufumane umsebenzi wobomi, kwaye uthathe umhlalaphantsi kakuhle i-naïve. I-genie iphuma kwibhotile kwihlabathi lehlabathi jikelele kwaye akukho nto inokutshintsha loo nto (nangona ukuba i-US yayingamisela ukukhuselwa okukhulu kwezorhwebo, siza kuba nokunciphisa ngokweqile okanye ukudandatheka kunye neChina neIndiya zaza kusithintela ngokukhawuleza ngokukhawuleza).
Xa unomsebenzi wakho oyintloko kwindlela kwaye utyalomali kwizakhono zakho, kusenokuba yithuba lokufumana okanye ukuseka amanye amabhizinisi asebenzayo.
Kwabanye, oku kunokuthetha ukuba izakhiwo zokugcina okanye ukuthuthwa kwemoto. Kwabanye, kunokubandakanya ukuqala inkonzo yokutshisa umtshini. Ilungu elinye lentsapho yam linomsebenzi njengomqhubi wendiza, umphathi wokuvelisa kwenkampani yokugcoba, kwaye ke unomsebenzi weqhosha lokuklama ikhekhe. Uhlala kumvuzo wakhe njengomphathi, usebenzisa enye imisebenzi emibini ngokubanzi njengengxowa-mali eyitsho-mali yokuqinisekisa ukuba unezigidi zeedola ngobuncwane ngamashumi amabini ayo nangona unemivuzo ephakathi kunye nokuxhasa intsapho.
Le yilapho unenene ithuba lokuvelisa ukheshi ukwenza into oyithandayo. Xa ungeze amanye amabhizinisi asebenzayo, kufuneka uzame ukufumana izinto ezenza ukuba "udonse umdaniso" ukusebenza, ukuboleka ibinzana eBuffett. Masithi uneminyaka engama-25 ubudala kwaye ulawula ukuthengisa imifanekiso okanye ukwenza imilingo kwimikhosi yokuzalwa kunye nemitshato, udala i-$ 96 ngaphezulu ngeveki (malunga nama-5,000 ngonyaka). Oku kungabonakali ngathi kuninzi kodwa kuya kufaka i-$ 9,266,500 + ngelo xesha uneminyaka yobudala bukaWarren Buffett xa uyifaka kwi- Roth IRA kwaye ulawula ukuvelisa i-11% yentlawulo yokubuyisela i-S & P eyifake abanini ngaphezu kwexesha elide. Akunjalo ihlaya. Ngokwenza into oyithandayo, kwaye ubeka loo mali kwimpahla edala imali, unokuthatha umhlalaphantsi ucebile. Ngokuphathelele indlu enkulu, imoto, i-X-Ibhokisi, kunye nezinye izinto ozifunayo endleleni, yingakho usebenza umsebenzi wakho oyintloko kwaye ugcine utyalo-mali kwizakhono zakho. (Ukuba awunayo ixesha lomsebenzi wesibini okanye umsebenzi, khumbula umenzi wethu wokuhlala ekhaya ogcine ngaphezu kwe-$ 110 ngeveki kwizinto zokutya? Oku kungaphezulu kokwaneleyo ukuphumeza iziphumo ezifanayo.)
Njengoko uvelisa imali, uya kufuna ukutyalomali ngendlela efanelekileyo yokuncedisa irhafu. Oko kuthetha ukuthatha inzuzo yakho 401k , kunye ne- akhawunti yomhlala phantsi njengesi- IRA yeRituli , i- Roth IRA , okanye i-SEP-IRA nje ukubiza ezimbalwa. Apha, ukuba ubulumko kunye neengqiqo, imali leyo inokuqhaqha ibe yintlambo yemali eyinzuzo , izabelo kunye nomdla, zonke ezo zihlwayelwe ukuba zivelise ngakumbi inzuzo. Ukuba i- market market falls, ungasebenzisa ngokunxulumene namashishini akho asebenzayo kwiindleko eziqhelekileyo zezikhundla zakho, ngoko usebenzise inqobo imigaqo-siseko yobutyalo-mali .