Abatyalomali bezoLwazi uWarren Buffett noPeter Lynch ngokulula
Wakhuthaza abatshali-mali ukuba banake ingqalelo kwizinto abazisebenzisayo zokufumana ubunini bempahla enxulumene nokukhula kunye nemali ekujoliswe kuyo kwi-PEG kunye nezilinganiso ze-PEG ezilungisiweyo. Okwesibini kwaba nguWarren Buffett , uSihlalo oyingqungquthela kunye ne-CEO yeBerkshire Hathaway , inkampani ebambe iqela echaphazelekayo yenza phantse yonke icandelo kunye noshishino loqoqosho.
Xa uthatha i-"Keep it simple, stupid" indlela yokutshala imali yakho, ukuyisebenzisa kokubili ukuphathwa kweepotfoliofolio kunye namanqanaba okhuseleko ngamnye, ugxininisa kwizinto ezincinci kwaye unokunciphisa kakhulu ingozi onokuyibeka kuyo ubutyebi obuxabisekileyo kwaye bunzima obuhlala bunzima. Ikuvumela ukuba ubone ukudlula ingxolo, ukugqithisa, kwaye ugxininise kumvuzo womnini, phakathi kwezinye izinto ezifanelekileyo. Inqanda ubunzima obunokuthi, nabani na onobunjineli okanye imvelaphi enokuthi bayakwazi ukuyiqonda njengoko isongezelelo ngasinye esongezelelweyo senziwe, kungakhathaliseki ukuba sincinane kangakanani ithuba lokungaphumeleli, okwandisa kakhulu amathuba okuhluleka kulo lonke.
Yona nto yokugqibela oyifunayo xa uqhuba iphothifoliyo yengxowa-mali engenakuhlawulwa apho wena, usapho lwakho, okanye umntu okanye isikhungo obolekwa kuyo umsebenzi wokuxhomekeka, uxhomekeke kwimali engenayo njengemali, izabelo, kunye neentlawulo .
(Kwabo abangakwaziyo inkolelo, umzekeliso okhawulezayo unokunceda.
Unokukhetha ntoni: isitokethi esinamava angama-65% okuphindwa kabini kwiminyaka emihlanu ezayo okanye isitokethi esinethuba lokuphindaphindwa xa kukho imicimbi ekhethiweyo ekhethiweyo (mhlawumbi ilayisenisi yezoshishino kwimeko entsha, umveliso omtsha eyakhiwe, njl.), ngasinye isiganeko esinezinga eliphumelelayo elingama-90%? Umva wokugqibela, uyakholelwa okanye awukho, unelungelo elingama-43% lokuzaliseka-unzima kakhulu kunokuba ukhetho lwangaphambili! Ngezinye ikhonkco kwikhonkco, unemiba enkulu yezinto ezingahambi kakuhle. Ukuba isitokethi sinokukhuphuka ku-1,000% kodwa ukuba yenze njalo, imibutho yabasebenzi kufuneka ilahle imfuno, impahla yamanzi kufuneka iwile, inkundla yebhanki kufuneka iqhoqele umncintiswano ukuba akhokhe iimbopheleleko zakhe zempesheni, kunye nokulawula omtsha ukungena iindleko zenketho, mhlawumbi uza kudana ngokugqithiseleyo okanye, ngokugqithiseleyo, ugqibe njengabantu abahluphekileyo.)
Injongo yam ngokubhaliweyo kweli nqaku kukuxelela ezinye iindlela endingacinga ukuba umntu unokuzilandela "Gcina ilula, ifilosofi" kubomi babo. Inethemba lam kukuba akuyi kucinga kuphela ngokuthatha ezinye zazo, kodwa uyaziqeqesha ukuba uqale ukukhangela iindlela zokunciphisa ubunzima, ukuxhomekeka kwinqanaba leyona nto uzama ukuyenza.
Indlela Eyona Enkulu Yokuziqhuba "Yenza Ilula, Isidenge!" Xa ukhetha utyalo-mali kufuneka usebenzise i-One-Paragraph Test Test
Ngaphandle kweendlela ezithile zokutyalomali ezivela kumashishini angaphandle kweengxoxo zethu, zonke izityalo-mali ozenzayo ebomini zize zibe phantsi kwethemba lokuba uya kukhulisa imali ozinikele kuyo amandla angaphezulu okuthenga ukuze wenze okungakumbi; ukuthenga iimoto ezininzi, izindlu, iholide, kunika ngakumbi inceba, ushiye ngakumbi abantwana bakho okanye abazukulu. Utyalo-mali luvelisa ixabiso langaphakathi kwimali yokuphuma kwemali, ephakathi okanye kwimisebenzi yokuguquka. Akukho konke. Ixabiso olihlawulayo malunga nelokuhamba kwemali ekugqibeleni lixhomekeka kukufa malunga noko ungayilindela ngokwemigangatho yesilinganiso sembuyekezo yonyaka . Ukuba uhlawula i-2x ye-$ 1 yenani elikhoyo langoku elungisiweyo leerhafu kunye nokunyuka kwamaxabiso, uya kufumana isiqingatha kwisilinganiso sokubuyisela ubuya kuhlawula i-1x.
Yinto elula.
Xa uqonda le nyaniso eyimfuneko ubona ubulumko ekuphatheni kukaPeter Lynch kunye noWarren Buffett ngoxa bafuna ukwazi, ngokukhawuleza kwaye ngokukhawuleza, izizathu ozicinga ukuba i-asethi iyakhaka. Ingxelo yokuba uPeter Lynch wayesebenzisa ukuqala iqela leqanda xa efonini kunye nabahlalutyi bezezimali nabahwebi. Wabatshela ukuba bangaphantsi kweyodwa ngomzuzu ukuchaza isiseko esisiseko seengcamango zokutshala imali. UWarren Buffett uncoma ukuba ubhale umhlathi omfutshane uchaza into ecaleni kwimizila ethi, "Ndiyathenga i-$ 10,000 yeeNkampani ze-XYZ kwi-25 yeesabelo ngasinye ngenxa yokuba ndiyakholwa (faka isizathu apha njengenzuzo iya kukhula kabini ngokukhawuleza njengoko ixabiso langoku- umlinganiselo wokufumana umvuzo , iimpahla ezifihliweyo kwi- balance sheet , bekukho utshintsho lolawulo olulungileyo, ukulinganisa kuncinci kakhulu, njl.) Emva koko, jonga imeko, uhlale ukhumbula ingcamango yakho yesiseko. Inxulumene nembono endiyithethayo ngoku kutshanje kwiblogi yam yabantu ngabantu abavelisa kakhulu; indlela ongeke ubhake ipake. Ugxininisa ekuqinisekiseni ukuba isithako ngasinye, kunye nenyathelo ngalinye, lichanekile kwaye i-pie iyenzeka ngokwayo, ibonakalisa njengoko ufumana iziphumo ngokufanelekileyo. Ukuba uthengela izabelo zenkampani kwaye ulindele ukuba imali ikhule ngo-12%, emva kweminyaka emininzi emva koko, iyancedisa kwi-8%, uyazi into ethile engalunganga okanye eyahlukileyo. Yithobele loo nto. Musa ukuyikhupha kwaye ubale ngolungelo lokwenza utyalo-mali kwindawo yokuqala.
Enye Indlela Yokuziqhuba "Yenza Ilula, Isidenge!" Ngaba Kuphela Kuzobamba Uvimba Ngama-Akhawunti Yemali, Uhlawulwe Ngokupheleleyo, kwaye Yeka Ukuzama Ukuba Uncedo
Enye yezona mpazamo ezinkulu ndizibona abatyala-mali bazifumana kulo mzekelo wokuziphatha okungaqhelekanga apho bazama ukusebenzisa iphothifoliyo yabo ukuze bazive banengqiqo okanye ngokukhethekileyo ngandlela-thile kunokugxila kwizinto ezibalulekileyo-ukuhamba kwemali. Xa kuziwa kutyalo-mali kwiimpahla, umsebenzi wakho ukuthenga inzuzo.
Le mfuneko yokuxakrazeka ayikuphela, iza kwaye ihamba ngemijikelezo edla ngokuba yintlekele. Kwakukho i-inshorensi yephothifoliyo kuma-1980. Kwakukho ukuvezwa kwe-Asia ephaseneyo kuma-1990. Kwakukho iimbopheleleko zetyala kwi-2000s. Ngoku, into emitsha abantu abazama ukuyobamba kuyo i-Robo-Advisors; Iiplatifwthi zesofthiwe ezizenzekelayo zibhalwa ngamashishini algorithms angaziwa apho abantu bafaka khona yonke into enomdla kumdlalo ondikhumbuza umntwana odlala kunye nesibhamu esithwele. Ngolunye usuku, ngokuzonwabisa okucocekileyo, ndenze iprofayili yomntu-mali oneminyaka engama-50 engama-250 000 kwimali engenayo kwaye kungabikho ukugcinwa kwemali yomhlala-phantsi ukuze kubone ukuba nguyiphi enye i-Robo-Advisors, eyakha iipotfoliyo ngaphandle - ETFs , ezicetyiswayo. Xa uluhlu lwabambiso lwangasetyenziselwa ukubuyisela, ndagqiba ngaphantsi kokubambisa-ukutyalo-mali okwenziwe ngaphantsi komhlaba, ongabonakali ngabanini baninzi bala mafama asethi-asethi-kwaye bafumanisa ukuba imali engabalulekanga yinto ebekwe kuyo ityala eliyicala lokuziphendulela lamazwe angaphantsi kwama-beacons obala kunye nokuzinza. Oku ngu-asinine. Ukusebenza kakuhle kwemakethe kuqhuba i-amok; Umntu wabantu abanokuqiniseka ukuba banokwenza izinto ezahlukeneyo ezingabonakaliyo zingabonakali ngokufaka izinto ezingabonakaliyo. Umtyalo-mali ofuna i-component engenayo ingenakunelisekile ukuthenga izitifiketi ezixhaswe nge-FDIC zeminyaka emihlanu ye-deposit kwi-2.15% okanye nayiphi na into eyenzeka ukuba ivumele. Esikhundleni salokho, isofthiwe inqume ukuba "ifikelele kwisivuno", enye yezinto ezinobugqwetha inokuthi umtyalo-mali angakwenza kwaye oko kukhokelela ekulahlekeni okungakumbi kunokuba yintoni na enye yamandla kwiimarike zematyala. Ngenxa yezulu, kwiminyaka embalwa edlulileyo abantu babengenelisekanga ukuhlala ngekhementi kangangokuthi bazama ukukhawuleza ukubuyisela okongezelelweyo ngokuthenga izitishi zokufumana izitishi kuphela ukuba bafumane ukugqitywa xa ulwalamano olomile ngo-2007-2009 ukuwa. Kutheni uhlala ngaloo ndlela? Akuyinto engadingekile. Yeka ukwenza ubomi bakho bunzima kunokuba kufuneka. Yeka ukuzibulala.
Ukuba ufuna ukubeka utyalo-mali, kwaye unayo iimfuno ezizodwa, qiniseka kumxube ohlukeneyo weempahla kunye nezibophelelo - kwaye ewe, ukuba uneminyaka engaphezu kwexesha elilodwa, mhlawumbi ufuna iimfuno kunye nezibophelelo zidlala indima ezahlukileyo kwipotfoliyo yakho ngaphaya kwembuyekezo yabo yokumisela. Gcina ezi zixhobo kwi- akhawunti yekheshi, kungekhona i-akhawunti ye-margin , ukuphepha ukufumana ingozi yokuvuselela ingxaki , nangona kuthetha ukuba, abatshali-mali abathile kwezinye iimeko, ukuhlawula imali yokugcina imali . Hlala uye uqokelele izabelo zakho kunye nemali engenayo. Cinga ngephothifoliyo yakho njengendlela yokufumana inzuzo kwinjini yakho yezoqoqosho, apho, kubantu abaninzi, ngumsebenzi wabo, kwaye bayeka ukuzama ukufumana ubutyebi kulo busuku. Ukuba awukwazi oko ukwenzayo, okanye ungasebenzi kunye nenkampani yokulawula i-asethi , ucinga ukutshala imali kwi-index ye-index eyona ndlela ibhetele yakho ibhetele ngakumbi ukuba ufikelele kumgangatho othile wexabiso emva kokuba yiyiphi inqaku budenge ngenxa yezizathu ezininzi eziquka ukungaphumeleli kwindlela kunye nokunyuswa kweerhafu.
Ezinye iindlela zokuthi "Zigcine zilula, ziyizatha!"
Kukho zonke iindidi zezinye iindlela ongayilandela ngazo "Hlalani Nqabile, Ziyathavu!" ifilosofi. Abanye abatyali-mali kuphela bafumana utyalo-mali kwiintlawulo zeentlawulo ezili-100 ukwenzela ukuba i-portfolio accounting ilula. Abanye abatyebileyo abanetyala abanokufumana umcebisi-mali obhalisiweyo abasebenza kwiplani yesakhiwo evulekileyo ngoko kungakhathaliseki ukuba baninzi amaziko abanike wona, okanye ukuba bangaphi abaphathi beempahla abaqeshweyo, zonke zichazwe kwindawo ephakathi, edibeneyo kwaye, mhlawumbi, nangona i-akhawunti egcinwe kuyo. Indlela yokuphumeza lo mkhuba ebomini bakho iya kuxhomekeka kubuntu bakho kunye neemeko ezizodwa, iimfuno kunye nezinto ezikhethiweyo. Ingongoma kukuvuma ukuba ukulula kulula. Ukulula kulula kukukhusela ngokukucacisa ngakumbi ukuba yiyiphi ingozi oyithathayo. Ukulula kulula kwenza ubomi bakho bube lula.